Sunday, July 24, 2016

Legal / Regulatory & Consumer Resources

Legal / Regulatory & Consumer Resources
Which one of you pussies reporter me?






Legal / Regulatory & Consumer Resources

IMPORTANT NOTICE: Sprint's opt-in Mobile Advertising program, which allows Sprint to use information it collects to provide service to you to make the ads you see on your device more relevant, and Sprint's opt-out Reporting and Analytics program, which creates and shares certain business and marketing reports, are governed by this privacy policy. We do not share any information that identifies you personally under either of these programs. For detailed information on these programs and to learn how to opt in or out, please visit sprint.com/privacy.
(En Español)

This Privacy Policy ("Policy") describes how Sprint Corporation ("Sprint") will collect, access, use or disclose your personal information. It applies to all of our products, services, and web sites ("Services"). A few of our Services are covered by different privacy policies and in the event of a conflict between the two, the product or service specific policy governs. For example, we may have a separate policy or agreement for certain products, services or brands. Our collection, access, use, disclosure and safeguarding of your personal information is subject to U.S. law.

  • INFORMATION COLLECTED
  • USE OF PERSONAL INFORMATION
  • INFORMATION WE SHARE
  • NETWORK AND INFORMATION SECURITY
  • INFORMATION CHOICES AND CHANGES
  • CHILDREN
  • CONTACTING US
  • UPDATING THIS POLICY
  • YOUR CALIFORNIA PRIVACY RIGHTS
  • INTERNATIONAL DATA PRIVACY POLICY

INFORMATION COLLECTED

We collect personal information about you in various ways. We may also get information from other sources, including from affiliates, and may combine it with information we collect about you. Personal information does not include information that is not used to identify you, including aggregate or anonymous information.

Information you give us. The personal information we collect includes information you give us, such as name, postal address, telephone number, e-mail address, date of birth, social security number or other government identification number, demographics, activities, location information, and personal preferences. You may give us information in a variety of ways, including when you sign up for Services, communicate with customer care or register on www.sprint.com.

Information that we automatically collect. We automatically receive certain types of information whenever you use our Services. We may collect information about your device such as the type, version of operating system, signal strength, whether it is on and how it is functioning, as well as information about how you use the device and services available through it, such as your call and data usage and history, your location, web sites you have visited, applications purchased, applications downloaded or used, and other similar information. We may link information we automatically collect with personal information, such as information you give us at registration or check out. We may use systems or tools to follow your use of our Services and other applications, including using cookies, web beacons and other mechanisms, along with analysis of network and device information. For example, we allow collection by analytic service provider(s) of site click-stream and cookie data to help track aggregate and individual use of our Services. We sometimes use cookies to enable features on our sites, such as the ability to save your shopping cart or set preferences. Advertisers and advertising networks that serve ads on our sites may also use their own mechanisms, including cookies. These third party cookies or tools are governed by the privacy policies of the entities placing the ads and are not subject to this Policy.

USE OF PERSONAL INFORMATION

We use your personal information for a variety of purposes, including providing you with Services. We use your personal information to do things like:

  • Process your orders.
  • Protect our rights and property and those of our customers.
  • Respond to legal process and emergencies.
  • Develop or inform you of new products and services.
  • Anonymize or aggregate personal information for various purposes like market analysis or traffic flow analysis and reporting.
  • Monitor, evaluate or improve our products, Services, systems, or networks.
  • Customize or personalize your experience with our Services.
  • Customize or personalize online advertising to bring you information about products and services of Sprint or others that may interest you, including co-branded offers.

INFORMATION WE SHARE

We do not share information that identifies you personally with third parties other than as follows:

Affiliates. We may share personal and non-personal information with affiliated entities for approved business purposes.

Service Providers. We may share personal information with third parties who perform services on our behalf.

Group Account Holders. We offer group accounts to business and government customers, family customers and other group account holders ("Group Accounts"). The account holder for Group Accounts is the entity or person that buys the service or product for its employees, family members or other authorized users. You (as the user of a device) may receive service, certain pricing, terms or other benefits through a Group Account with us. If so, we may share with that Group Account holder customer registration and other information related to your use of our services.

Third Party Verification Services. We may share limited personal information (e.g., address, phone number) with non-Sprint entities to assist with identity verification, and to prevent fraud and identity theft.

Other Third Parties with Your Consent. We may share information with other third parties with your consent. For example, you may agree to our sharing your information with other third parties to hear about their products and services. Use of the information you agree to share will be subject to those third parties' separate privacy policies.

Disclosures to Third Party Application and Service Providers. You may choose to use services and products offered by third parties through our Services or devices such as third party applications. When you leave our network you may also use mobile roaming services provided by third parties. Your use of such services and applications may result in these third parties collecting your personal information and obtaining information from Sprint, including location information (when applicable). You may also choose to give personal information directly to third parties when using our Services. In each case, personal information you give a third party will be subject to its terms, conditions, and policies—not this policy. You should review a third party's privacy policy and terms of service before providing your information or using the service.

Business Transfers. Personal information about you may be disclosed as part of any merger, acquisition, sale of company assets or transition of service to another provider. In the unlikely event of an insolvency, bankruptcy or receivership, personal information may also be transferred as a business asset.

Protection of Sprint and Others. We may access, monitor, use or disclose your personal information or communications to do things such as:

  • comply with the law or respond to lawful requests or legal process;
  • protect the rights or property of us, our agents, members, our customers, and others including to enforce our agreements, policies and terms of use;
  • respond to emergencies;
  • initiate, render, bill, and collect for services; or
  • facilitate or verify the appropriate calculation of taxes, fees, or other obligations due to a local, state, or federal government requirement; or determine eligibility for government benefits.

We may share information that is de-identified or in an aggregated form that does not directly identify you. We share de-identified or aggregate information for purposes such as to:

  • Conduct market or traffic flow analysis and reporting or produce or facilitate production by others of business and marketing reports to share with third parties. For example, we may aggregate customer information across a particular region and create a report showing that 10,000 subscribers from a given city visited a sports stadium. If you do not wish for us to use your information to produce de-identified and aggregated data sets in the reports we share with third parties, you may opt out at any time. See sprint.com/privacy for details.
  • With your opt-in consent only, customize or personalize advertising based on information we collect about your use of your wireless device in order to provide wireless service to you. For example, we may use information about your mobile web browsing or use of mobile applications to deliver advertisements tailored to your interests, and we may share de-identified information about your use of your device with third parties so that they can tailor advertising to your interests based on that information. To participate in this program, you must opt in. See sprint.com/privacy for details on how to do so.

NETWORK AND INFORMATION SECURITY

We maintain a variety of physical, electronic, and procedural safeguards. These safeguards help protect your personal information from loss, misuse and unauthorized access, disclosure, alteration and destruction. Be sure to use a strong password to access your information on Sprint.com and not one you use for other services. You can learn more about how you can protect your information by reviewing our privacy FAQs.

INFORMATION CHOICES AND CHANGES

We offer you choices regarding how we contact you for marketing-related communications and whether we use information regarding your online or mobile web activities for marketing purposes. We also offer you choices regarding the use of de-identified information to make ads you see on your mobile device more relevant and to produce or facilitate production of business and marketing reports shared with third parties. Visit sprint.com/privacy to learn about your choices and how to register your privacy preferences with us.

As described above, we work with advertisers and advertising networks that serve ads on our sites and that may use cookies, web beacons and other technologies to collect information about your use of our sites and other websites. This information may be used to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on other websites and better understand your online activity. To find out more about targeted advertising and/or to "opt out" of automatic collection of information for this purpose, visit http://www.aboutads.info/choices/.

You also may register a do-not-contact request by calling Sprint customer care or sending an email to officeofprivacy@sprint.com. If you register a do-not-contact request, we still may contact you for non-promotional purposes, such as emails or wireless messages related to your accounts or our ongoing business relations. For details on Sprint's do-not-contact practices, including how we honor consumer and business customer do-not-contact requests, please visit sprint.com/privacy.

If you disable cookies on your Internet browser, you also may stop some collection and use of data when you visit our web sites. If you would like to change certain Sprint account information, you may create an online account and manage your account online. For more information, visit www.sprint.com.

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CHILDREN

You must be 18 or otherwise have legal capacity to subscribe to Sprint services. Nevertheless, as part of the Unlimited, My Way Student Promotion, a parent or legal guardian may provide a Sprint device to a child under the age of 13. In such cases, Sprint takes steps to minimize the data it collects from Sprint applications on the device and provides parents resources to control the information children can share with other parties. In some instances, a parent may be able to review or request deletion of the personal information collected from a child's device, or take steps to prevent further collection of such information. If you have any questions about Sprint's policies for student phones or about how to control the information collected on them from users under 13, or if you wish to correct or delete any personal information provided to Sprint on a student phone used by a child under 13, you can contact us using the contact information below. You may also control the content your child may access by logging into sprint.com/manage, and reviewing the My Preferences tab.

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CONTACTING US

If you have any questions about, or complaints that concern, this Policy, please call us at Sprint or email us at officeofprivacy@sprint.com. If you prefer, you also may write us at Office of Privacy -Legal Department, Sprint, P.O. Box 4600, Reston, Virginia 20195. To send us a legal notice relating to this Policy, send it to Our Legal Notices Address listed in, and by the method specified in, the Acceptable Use Policy.

UPDATING THIS POLICY

We may change this Policy at any time. When we change the Policy we will give notice by changing the date it was last updated or as required by law.

YOUR CALIFORNIA PRIVACY RIGHTS

Sprint shares personal information between Sprint affiliates and marketing agents for marketing purposes. We do not share your personal information with unaffiliated third parties for their own independent marketing purposes without your consent. California residents may request the categories of personal information Sprint shared with its affiliates during the previous calendar year, if any. To make your request, send an email to officeofprivacy@sprint.com. Written requests may be sent to the Office of Privacy -Legal Department, Sprint, P.O. Box 4600 Reston, VA 20195. Sprint will respond to these requests within 30 days. Requests that come to Sprint by other means may result in a delayed response.

INTERNATIONAL DATA PRIVACY POLICY

Our International Data Privacy Policy informs you about our practices and policies regarding the collection, use, disclosure, transfer, storage, and processing of personal information collected outside the United States in connection with Services offered by Sprint, its subsidiaries, affiliates, and agents.



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ACL Blog: Olmstead Ownership for Older Adults

ACL Blog: Olmstead Ownership for Older Adults

Olmstead Ownership for Older Adults

By Edwin Walker, Deputy Assistant Secretary for Aging

Today marks the 17th anniversary of a landmark Supreme Court decision. In Olmstead v. L.C. the Court ruled that people who need assistance with activities of daily living such as eating, bathing, dressing and walking cannot be unnecessarily segregated. They must receive services in the most integrated setting possible.

This decision, based on the Americans with Disabilities Act, has great implications for older adults.

All people should have the opportunity to live, work, retire, and contribute to diverse neighborhoods and communities, regardless of age or disability. The Olmstead decision has helped make that vision a reality for older adults and people with disabilities alike by shaping policy that ultimately provides services. For example, in the 2006 and again in 2016 Congress reauthorized the Older Americans Act, each time helping reshape the systems that provide long-term services and supports to include more home-and-community-based services.  As a result, more older adults now get help with dressing, grocery shopping, and other routine tasks, making it possible for them to continue living in their homes.

This is just one example of a shift in funding, policy, and attitudes toward community living that reflects the spirit of the Olmstead decision. As a result, more and more Americans are living in the settings they choose and are engaging in their communities throughout all stages of their lives.

Olmstead is for all of us, and with an estimated 10,000 Americans turning 65 each day, it has never been more important to the aging community. I hope you will join me in adding the anniversary of the Olmstead decision to your calendars of dates to celebrate.

For more information on how Olmstead helps older adults:



Elyssa D. Durant. Ed.M.
Research &  Policy Analyst
  

Ensuring All People with Disabilities Can Answer One Simple Question | Disability.Blog

Ensuring All People with Disabilities Can Answer One Simple Question | Disability.Blog

Ensuring All People with Disabilities Can Answer One Simple Question

A photo of John Kemp

By Guest Blogger John D. Kemp, President & CEO, The Viscardi Center

Who do you aspire to be? When asked, no matter what your age, it's likely an individual you can relate to in some sense. All too often this question, seemingly simple in nature, becomes difficult for people with disabilities to answer. Why… because many with disabilities have few aspirational role models, leaders and mentors they can liken themselves to in their midst.

For this reason, the Henry Viscardi Achievement Awards were established in honor of our organization's founder, Dr. Henry Viscardi, Jr. Dr. Viscardi, who used prosthetic legs, transformed the lives of countless individuals with disabilities around the world. In fact, he served as disability advisor to eight presidents, wrote eight books, was the inspiration for countless disability-related organizations, led the first U.S. business to be staffed primarily by employees with disabilities, and opened an accredited, private school giving children with severe physical disabilities the opportunity for an education in a more traditional setting.

Most importantly, Dr. Viscardi was one to admire. A shining example and living proof for thousands of children and adults with disabilities, including myself, that we should aim high and that we could accomplish anything we put our minds to academically, vocationally and socially. I now have the privilege of leading the organization he founded over 60 years ago. The Viscardi Center continues to educate, employ and empower people with disabilities, guide employers on the benefits of an inclusive workforce, and shape policy changes that will benefit the people it serves.

The Henry Viscardi Achievement Awards are an opportunity to spotlight influential individuals with disabilities who are today's leaders, mentors and role models for our peers and our next generations of people with disabilities. Every day, people with disabilities are leaving their mark all over the world, with their work often transcending the geographical boundaries of where they live. Since inception, the Viscardi Award recipients have been a dedicated, diverse, and trendsetting group that reminds us all how a single person can spur change on a global scale.

The 2016 Viscardi Awards Selection Committee is being co-chaired for the fourth consecutive year by Robert Dole, former U.S. Senator, along with Sherwood "Woody" Goldberg, Esq., retired U.S. Army Colonel and current Senior Advisor for Asian Affairs at the Center for Naval Analysis.

Each year, the global nomination pool has included business and healthcare professionals, wounded warriors, advocates, governmental leaders, to name a few. Read about past Henry Viscardi Achievement Awards recipients.

I encourage you to nominate an exemplary leader in the disability community who has had a profound impact on changing attitudes, raising awareness and making the lives of people with disabilities great so we have more men and women to emulate and we can all answer the question: who do you aspire to be?

Nominations are being accepted until September 30, 2016 and more information may be found at http://www.viscardicenter.org/about/hvaa/hvaa.html.

About the Guest Blogger

John D. Kemp is president and CEO of The Viscardi Center and School in Albertson, NY, a national disability employment and education organization. He is widely respected for his many achievements in the corporate and non-profit worlds.

From 2002 to 2011, Mr. Kemp was a partner in Washington, DC's Powers Law Firm. He was awarded an Honorary Doctorate of Law from Washburn University School of Law in May 2003.

In 2006, Mr. Kemp received the Henry B. Betts Award, America's most prestigious award within the national disability community. In 2014, he received the Dole Leadership Prize from Senator Robert J. Dole's Institute of Politics at the University of Kansas.  In 2015, Mr. Kemp was one of twenty-five inaugural inductees into the National Disability Mentoring Coalition's Disability Mentoring Hall of Fame, in honor of Susan B. Daniels, for demonstrated commitment to mentoring and the impact of their contributions to improving the lives of people with disabilities. In addition, he has received top awards from the U.S. Departments of Labor and Health and Human Services. 

Mr. Kemp served as CEO of UCPA, VSA Arts, ACCSES, and USBLN, and as General Counsel for the National Easter Seal Society, and managed law and consulting firms that advised companies on state/federal civil rights, employment and education laws and policies regarding persons with disabilities.

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Elyssa D. Durant. Ed.M.
Research &  Policy Analyst
  

Yahoo! Just Exposed One of the FBI's Most Secretive Tricks to Unethically Obtain Your Info

Yahoo! Just Exposed One of the FBI's Most Secretive Tricks to Unethically Obtain Your Info

Yahoo! Just Exposed One of the FBI's Most Secretive Tricks to Unethically Obtain Your Info

Home / Be The Change / Government Corruption / Yahoo! Just Exposed One of the FBI's Most Secretive Tricks to Unethically Obtain Your Info

yahoo-exposes-fbi

For the first time since the implementation of the USA Freedom Act, Yahoo published three National Security Letters — perhaps the most secretive and contentious method the FBI has for obtaining information on individuals — after the lifting of repressive and equally-contentious gag orders.

Mainstays of the USA PATRIOT Act, National Security Letters (NSLs) generally request customer data information from businesses such as banks, internet service providers, travel agencies, and phone and telecommunications companies — without a warrant required. Worse, NSLs include onerous, mandatory orders prohibiting their recipients from disclosing to anyone — including coworkers, friends, and family — that they even received the letter.

"Yahoo has always maintained a strong commitment to protecting our users' safety, security and privacy," the company said in an announcement of the disclosure. "The release of these documents and information regarding NSLs today is consistent with our commitment to share as much information as we legally can regarding government data requests. We believe there is value in making these documents available to the public to promote an informed discussion about the legal authorities available to law enforcement."

"Each NSL included a nondisclosure provision that prevented Yahoo from previously notifying its users or the public of their existence," the company ominously stated.

Largely due to these mandatory nondisclosure orders, gauging exactly how many NSLs have been issued remains impossible — though as of 2013, the Obama administration admitted an average of 60 per day were being issued. Alarmingly, in its latest transparency report, Apple claimed the number of "national security orders" — including NSLs — had doubled in just six months. Yahoo said it plans updates to its own transparency report as additional nondisclosure orders are lifted.

Though they haven't received quite the notoriety of more sweeping surveillance programs — perhaps due to the extensive reporting after revelations from Edward Snowden — NSLs are at least equally troubling. As EFF previously noted, "in march 2007 the Department of Justice's inspector general released a report confirming extensive misuse of NSLs in a sample of four FBI field offices. An internal audit by the FBI confirmed that the problem was far more extensive than first thought."

So insidious are NSLs, the Electronic Frontier Foundation (EFF) once described them as "one of the most frightening and invasive" facets of the PATRIOT Act.

Essentially anything surrounding the account of the user targeted by the FBI must be disclosed, except for the actual content of communications. But plenty of information can be derived, without having to delve into the content, Vocativ noted, as metadata could include "the dates when an account was opened, IP addresses used to log in, any physical address or phone number associated with the account, the credit card number it used to pay for any service, any listed aliases — pretty much anything a user gives when they create an account."

"Our understanding is that the vast majority of NSLs of these kind that are issued go to tech companies, and that it's a basic tool that the FBI uses to start investigations involving people's communications," Andrew Cocker, staff attorney at EFF, told Vocativ in discussing NSLs specific to companies like Yahoo.

Yahoo's decision to disclose these NSLs marks the company's "ongoing commitment to transparency." A minor concession in the Freedom Act requires the FBI to periodically assess whether gag orders should remain in place. In the case of Yahoo's three NSLs, the termination of ongoing nondisclosure indicates the FBI completed those investigations.

"We believe this is an important step toward enriching a more open and transparent discussion about the legal authorities law enforcement can leverage to access user data," Yahoo stated.

While the Freedom Act basically continued many of the same programs from the PATRIOT Act that had expired, minor changes like the requirement to review FBI nondisclosure arrangements provide a degree of transparency desperately needed. Now, thanks to Yahoo, NSLs became a little less secretive.



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Friday, July 22, 2016

Fwd: iOS Terms and Conditions



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Begin forwarded message:

From: Apple iCloud <noreply@email.apple.com>
Date: July 20, 2016 at 1:54:46 AM EDT
To: ed70@columbia.edu
Subject: iOS Terms and Conditions

iCloud Terms of Service
ENGLISH

IMPORTANT: BY USING YOUR iPHONE, iPAD OR iPOD TOUCH ("iOS DEVICE"), YOU ARE AGREEING TO BE BOUND BY THE FOLLOWING TERMS:

A.     APPLE iOS SOFTWARE LICENSE AGREEMENT
B.     APPLE PAY SUPPLEMENTAL TERMS
C.     NOTICES FROM APPLE

APPLE INC. 
iOS SOFTWARE LICENSE AGREEMENT
Single Use License

PLEASE READ THIS SOFTWARE LICENSE AGREEMENT ("LICENSE") CAREFULLY BEFORE USING YOUR iOS DEVICE OR DOWNLOADING THE SOFTWARE UPDATE ACCOMPANYING THIS LICENSE. BY USING YOUR iOS DEVICE OR DOWNLOADING A SOFTWARE UPDATE, AS APPLICABLE, YOU ARE AGREEING TO BE BOUND BY THE TERMS OF THIS LICENSE. IF YOU DO NOT AGREE TO THE TERMS OF THIS LICENSE, DO NOT USE THE iOS DEVICE OR DOWNLOAD THE SOFTWARE UPDATE. 

IF YOU HAVE RECENTLY PURCHASED AN iOS DEVICE AND YOU DO NOT AGREE TO THE TERMS OF THE LICENSE, YOU MAY RETURN THE iOS DEVICE WITHIN THE RETURN PERIOD TO THE APPLE STORE OR AUTHORIZED DISTRIBUTOR WHERE YOU OBTAINED IT FOR A REFUND, SUBJECT TO APPLE'S RETURN POLICY FOUND AT http://www.apple.com/legal/sales_policies/.

1. General. 
(a) The software (including Boot ROM code, embedded software and third party software), documentation, interfaces, content, fonts and any data that came with your iOS Device ("Original iOS Software"), as may be updated or replaced by feature enhancements, software updates or system restore software provided by Apple ("iOS Software Updates"), whether in read only memory, on any other media or in any other form (the Original iOS Software and iOS Software Updates are collectively referred to as the "iOS Software") are licensed, not sold, to you by Apple Inc. ("Apple") for use only under the terms of this License. Apple and its licensors retain ownership of the iOS Software itself and reserve all rights not expressly granted to you. You agree that the terms of this License will apply to any Apple-branded app that may be pre-installed on your iOS Device, unless such app is accompanied by a separate license, in which case you agree that the terms of that license will govern your use of that app.

(b) Apple, at its discretion, may make available future iOS Software Updates for your iOS Device. The iOS Software Updates, if any, may not necessarily include all existing software features or new features that Apple releases for newer or other models of iOS Devices.  The terms of this License will govern any iOS Software Updates provided by Apple that replace and/or supplement the Original iOS Software product, unless such iOS Software Update is accompanied by a separate license in which case the terms of that license will govern.

2. Permitted License Uses and Restrictions.  
(a) Subject to the terms and conditions of this License, you are granted a limited non-exclusive license to use the iOS Software on a single Apple-branded iOS Device. Except as permitted in Section 2(b) below, and unless as provided in a separate agreement between you and Apple, this License does not allow the iOS Software to exist on more than one Apple-branded iOS Device at a time, and you may not distribute or make the iOS Software available over a network where it could be used by multiple devices at the same time. This License does not grant you any rights to use Apple proprietary interfaces and other intellectual property in the design, development, manufacture, licensing or distribution of third party devices and accessories, or third party software applications, for use with iOS Devices. Some of those rights are available under separate licenses from Apple. For more information on developing third party devices and accessories for iOS Devices, please visit https://developer.apple.com/programs/mfi/. For more information on developing software applications for iOS Devices, please visit https://developer.apple.com.

(b) Subject to the terms and conditions of this License, you are granted a limited non-exclusive license to download iOS Software Updates that may be made available by Apple for your model of the iOS Device to update or restore the software on any such iOS Device that you own or control. This License does not allow you to update or restore any iOS Device that you do not control or own, and you may not distribute or make the iOS Software Updates available over a network where they could be used by multiple devices or multiple computers at the same time. If you download an iOS Software Update to your computer, you may make one copy of the iOS Software Updates stored on your computer in machine-readable form for backup purposes only, provided that the backup copy must include all copyright or other proprietary notices contained on the original. 

(c) To the extent that Apple has preinstalled Apple-branded apps from the App Store on your iOS Device at the time of purchase ("Preinstalled Apps"), you will need to log into the App Store and associate these Preinstalled Apps with your App Store account in order to use them on your iOS Device. When you associate a Preinstalled App with your App Store account, you will at the same time be automatically associating all other Preinstalled Apps on your iOS Device. By choosing to associate the Preinstalled Apps with your App Store account, you agree that Apple may transmit, collect, maintain, process and use both the Apple ID used by your App Store account and a unique hardware identifier collected from your iOS Device, as unique account identifiers for the purpose of verifying the eligibility of your request and providing you access to the Preinstalled Apps through the App Store. If you do not wish to use a Preinstalled App, you can delete it from your iOS Device at any time.

(d) You may not, and you agree not to or enable others to, copy (except as expressly permitted by this License), decompile, reverse engineer, disassemble, attempt to derive the source code of, decrypt, modify, or create derivative works of the iOS Software or any services provided by the iOS Software or any part thereof (except as and only to the extent any foregoing restriction is prohibited by applicable law or by licensing terms governing use of open-source components that may be included with the iOS Software).

(e) The iOS Software may be used to reproduce materials so long as such use is limited to reproduction of non-copyrighted materials, materials in which you own the copyright, or materials you are authorized or legally permitted to reproduce. Title and intellectual property rights in and to any content displayed by, stored on or accessed through your iOS Device belong to the respective content owner. Such content may be protected by copyright or other intellectual property laws and treaties, and may be subject to terms of use of the third party providing such content. Except as otherwise provided herein, this License does not grant you any rights to use such content nor does it guarantee that such content will continue to be available to you. 

(f) You agree to use the iOS Software and the Services (as defined in Section 5 below) in compliance with all applicable laws, including local laws of the country or region in which you reside or in which you download or use the iOS Software and Services. Features of the iOS Software and the Services may not be available in all languages or regions, some features may vary by region, and some may be restricted or unavailable from your service provider. A Wi-Fi or cellular data connection is required for some features of the iOS Software and Services such as FaceTime or iMessage.

(g) Use of the App Store requires a unique user name and password combination, known as an Apple ID. An Apple ID is also required to access app updates and certain features of the iOS Software and Services. In addition, you acknowledge that many features, built-in apps, and Services of the iOS Software transmit data and could impact charges to your data plan, and that you are responsible for any such charges. You can view and control which applications are permitted to use cellular data and view an estimate of how much data such applications have consumed under Cellular Data Settings. For more information, please consult the User Guide for your iOS Device.

(h) If you choose to allow automatic app updates, your iOS Device will periodically check with Apple for updates to the apps on your device and, if one is available, the update will automatically download and install onto your device. You can turn off the automatic app updates altogether at any time by going to Settings, tap iTunes & App Store, and under Automatic Downloads, turn off Updates.

(i) Using your iOS Device in some circumstances can distract you and may cause a dangerous situation (for example, avoid typing a text message while driving a car or using headphones while riding a bicycle). By using your iOS Device you agree that you are responsible for observing rules that prohibit or restrict the use of mobile phones or headphones (for example, the requirement to use hands-free options for making calls when driving).

3. Transfer. You may not rent, lease, lend, sell, redistribute, or sublicense the iOS Software. You may, however, make a one-time permanent transfer of all of your license rights to the iOS Software to another party in connection with the transfer of ownership of your iOS Device, provided that: (a) the transfer must include your iOS Device and all of the iOS Software, including all its component parts, original media, printed materials and this License; (b) you do not retain any copies of the iOS Software, full or partial, including copies stored on a computer or other storage device; and (c) the party receiving the iOS Software reads and agrees to accept the terms and conditions of this License.

4. Consent to Use of Data. When you use your device, your phone number and certain unique identifiers for your iOS Device are sent to Apple in order to allow others to reach you by your phone number when using various communication features of the iOS Software, such as iMessage and FaceTime.  When you use iMessage, Apple may hold your messages in encrypted form for a limited period of time. You may turn off FaceTime or iMessage by going to the FaceTime or Messages settings on your iOS Device. Other iOS Software features may require information from your iOS Device.  You can find more information on which features send information to Apple, what information they send and how it may be used, when you turn on or use these features, or by visiting http://www.apple.com/privacy/. At all times your information will be treated in accordance with Apple's Privacy Policy, which can be viewed at: http://www.apple.com/legal/privacy/.

5. Services and Third Party Materials.  
(a) The iOS Software may enable access to Apple's iTunes Store, App Store, iBooks Store, Game Center, iCloud, Maps and other Apple and third party services and web sites (collectively and individually, "Services"). Such Services may not be available in all languages or in all countries. Use of these Services requires Internet access and use of certain Services may require an Apple ID, may require you to accept additional terms and may be subject to additional fees. By using this software in connection with an Apple ID, or other Apple Service, you agree to the applicable terms of service for that Service, such as the latest iTunes Store Terms and Conditions, latest iBooks Store Terms and Conditions for the country in which you access such Store(s) or Game Center Terms and Conditions, which you may access and review at http://www.apple.com/legal/internet-services/itunes/ww/, or the iCloud Terms and Conditions which can be found at http://www.apple.com/legal/internet-services/icloud/ww/, respectively.  

(b) If you sign up for iCloud, certain iCloud features like "iCloud Photo Library", "My Photo Stream", "iCloud Photo Sharing", "Back Up" and "Find My iPhone" may be accessed directly from the iOS Software.  You acknowledge and agree that your use of iCloud and these features is subject to the latest terms and conditions of the iCloud service, which you may access and review at: http://www.apple.com/legal/internet-services/icloud/ww/.

(c) News App Content. Your use of content accessed through the News application is limited solely to personal, noncommercial use, does not transfer any ownership interest to you in the content, and specifically excludes, without limitation, any commercial or promotional use rights in such content. Furthermore, you are prohibited from republishing, retransmitting and reproducing any images accessed through News as a stand-alone file.

(d) Maps. The maps service and features of the iOS Software ("Maps"), including map data coverage, may vary by region. When you use any location-based features within Maps, such as turn-by-turn navigation, traffic and local search, various location-related and usage information may be sent to Apple, including the real-time geographic location of your iOS Device, in order to process your request and help improve Maps. Such location and usage data is collected by Apple in a form that does not personally identify you. By using Maps, you agree and consent to Apple's and its subsidiaries' and agents' transmission, collection, maintenance, processing, and use of this information, to provide and improve the Maps features and service, and other Apple products and services.  You may disable the location-based functionality of Maps by going to the Location Services setting on your iOS Device and turning off the individual location setting for Maps. Certain Maps features will however be unavailable if you disable the Location Services setting, such as turn-by-turn navigation.

(e) iBooks; Podcasts. If you choose to use the sync feature of the iBooks and Podcasts apps to synchronize your bookmarks, notes, collections and podcast subscription data across your iOS Devices and computers, you acknowledge that such data will be sent to Apple and stored in conjunction with the Apple ID you use for the iBooks Store or iTunes Store, in order to sync such data to your other devices and computers that are authorized to access content through that Apple ID. You can turn off syncing at any time by going to Settings and changing the syncing options for the iBooks and Podcasts apps, respectively.

(f) You understand that by using any of the Services, you may encounter content that may be deemed offensive, indecent, or objectionable, which content may or may not be identified as having explicit language, and that the results of any search or entering of a particular URL may automatically and unintentionally generate links or references to objectionable material. Nevertheless, you agree to use the Services at your sole risk and that Apple, its affiliates, agents, principals, or licensors shall have no liability to you for content that may be found to be offensive, indecent, or objectionable. 

(g) Certain Services may display, include or make available content, data, information, applications or materials from third parties ("Third Party Materials") or provide links to certain third party web sites. By using the Services, you acknowledge and agree that Apple is not responsible for examining or evaluating the content, accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect of such Third Party Materials or web sites. Apple, its officers, affiliates and subsidiaries do not warrant or endorse and do not assume and will not have any liability or responsibility to you or any other person for any third-party Services, Third Party Materials or web sites, or for any other materials, products, or services of third parties. Third Party Materials and links to other web sites are provided solely as a convenience to you. 

(h) Neither Apple nor any of its content providers guarantees the availability, accuracy, completeness, reliability, or timeliness of stock information, location data or any other data displayed by any Services.  Financial information displayed by any Services is for general informational purposes only and should not be relied upon as investment advice. Before executing any securities transaction based upon information obtained through the Services, you should consult with a financial or securities professional who is legally qualified to give financial or securities advice in your country or region. Location data provided by any Services, including the Apple Maps service, is provided for basic navigational and/or planning purposes only and is not intended to be relied upon in situations where precise location information is needed or where erroneous, inaccurate, time-delayed or incomplete location data may lead to death, personal injury, property or environmental damage. You agree that, the results you receive from the Maps service may vary from actual road or terrain conditions due to factors that can affect the accuracy of the Maps data, such as, but not limited to, weather, road and traffic conditions, and geopolitical events. For your safety when using the navigation feature, always pay attention to posted road signs and current road conditions. Follow safe driving practices and traffic regulations, and note that walking directions may not include sidewalks or pedestrian paths.

(i) To the extent that you upload any content through the use of the Services, you represent that you own all rights in, or have authorization or are otherwise legally permitted to upload, such content and that such content does not violate any terms of service applicable to the Services. You agree that the Services contain proprietary content, information and material that is owned by Apple, the site owner and/or their licensors, and is protected by applicable intellectual property and other laws, including but not limited to copyright. You agree that you will not use such proprietary content, information or materials other than for permitted use of the Services or in any manner that is inconsistent with the terms of this License or that infringes any intellectual property rights of a third party or Apple. No portion of the Services may be reproduced in any form or by any means. You agree not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the Services, in any manner, and you shall not exploit the Services in any unauthorized way whatsoever, including but not limited to, using the Services to transmit any computer viruses, worms, trojan horses or other malware, or by trespass or burdening network capacity. You further agree not to use the Services in any manner to harass, abuse, stalk, threaten, defame or otherwise infringe or violate the rights of any other party, and that Apple is not in any way responsible for any such use by you, nor for any harassing, threatening, defamatory, offensive, infringing or illegal messages or transmissions that you may receive as a result of using any of the Services.

(j) In addition, Services and Third Party Materials that may be accessed, linked to or displayed on the iOS Device are not available in all languages or in all countries or regions. Apple makes no representation that such Services and Third Party Materials are appropriate or available for use in any particular location. To the extent you choose to use or access such Services and Third Party Materials, you do so at your own initiative and are responsible for compliance with any applicable laws, including but not limited to applicable local laws and privacy and data collection laws. Sharing or syncing photos through your iOS Device may cause metadata, including photo location data, to be transmitted with the photos. Apple and its licensors reserve the right to change, suspend, remove, or disable access to any Services at any time without notice. In no event will Apple be liable for the removal of or disabling of access to any such Services. Apple may also impose limits on the use of or access to certain Services, in any case and without notice or liability. 

6. Termination. This License is effective until terminated. Your rights under this License will terminate automatically or otherwise cease to be effective without notice from Apple if you fail to comply with any term(s) of this License. Upon the termination of this License, you shall cease all use of the iOS Software.  Sections 4, 5, 6, 7, 8, 9, 12 and 13 of this License shall survive any such termination.

7. Disclaimer of Warranties. 
7.1     If you are a customer who is a consumer (someone who uses the iOS Software outside of your trade, business or profession), you may have legal rights in your country of residence which would prohibit the following limitations from applying to you, and where prohibited they will not apply to you. To find out more about rights, you should contact a local consumer advice organization.

7.2     YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT, TO THE EXTENT PERMITTED BY APPLICABLE LAW, USE OF THE iOS SOFTWARE AND ANY SERVICES PERFORMED BY OR ACCESSED THROUGH THE iOS SOFTWARE IS AT YOUR SOLE RISK AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. 

7.3     TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE iOS SOFTWARE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, AND APPLE AND APPLE'S LICENSORS (COLLECTIVELY REFERRED TO AS "APPLE" FOR THE PURPOSES OF SECTIONS 7 AND 8) HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE iOS SOFTWARE AND SERVICES, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. 

7.4     APPLE DOES NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF THE iOS SOFTWARE AND SERVICES, THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, THE iOS SOFTWARE WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OF THE iOS SOFTWARE AND SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ANY SERVICE WILL CONTINUE TO BE MADE AVAILABLE, THAT DEFECTS IN THE iOS SOFTWARE OR SERVICES WILL BE CORRECTED, OR THAT THE iOS SOFTWARE WILL BE COMPATIBLE OR WORK WITH ANY THIRD PARTY SOFTWARE, APPLICATIONS OR THIRD PARTY SERVICES. INSTALLATION OF THIS iOS SOFTWARE MAY AFFECT THE AVAILABILITY AND USABILITY OF THIRD PARTY SOFTWARE, APPLICATIONS OR THIRD PARTY SERVICES, AS WELL AS APPLE PRODUCTS AND SERVICES. 

7.5     YOU FURTHER ACKNOWLEDGE THAT THE iOS SOFTWARE AND SERVICES ARE NOT INTENDED OR SUITABLE FOR USE IN SITUATIONS OR ENVIRONMENTS WHERE THE FAILURE OR TIME DELAYS OF, OR ERRORS OR INACCURACIES IN, THE CONTENT, DATA OR INFORMATION PROVIDED BY THE iOS SOFTWARE OR SERVICES COULD LEAD TO DEATH, PERSONAL INJURY, OR SEVERE PHYSICAL OR ENVIRONMENTAL DAMAGE, INCLUDING WITHOUT LIMITATION THE OPERATION OF NUCLEAR FACILITIES, AIRCRAFT NAVIGATION OR COMMUNICATION SYSTEMS, AIR TRAFFIC CONTROL, LIFE SUPPORT OR WEAPONS SYSTEMS. 

7.6     NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY APPLE OR AN APPLE AUTHORIZED REPRESENTATIVE SHALL CREATE A WARRANTY. SHOULD THE iOS SOFTWARE OR SERVICES PROVE DEFECTIVE, YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS ON APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO THE ABOVE EXCLUSION AND LIMITATIONS MAY NOT APPLY TO YOU. 

8. Limitation of Liability. TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW, IN NO EVENT SHALL APPLE, ITS AFFILIATES, AGENTS OR PRINCIPALS BE LIABLE FOR PERSONAL INJURY, OR ANY INCIDENTAL, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, CORRUPTION OR LOSS OF DATA, FAILURE TO TRANSMIT OR RECEIVE ANY DATA (INCLUDING WITHOUT LIMITATION COURSE INSTRUCTIONS, ASSIGNMENTS AND MATERIALS), BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE iOS SOFTWARE AND SERVICES OR ANY THIRD PARTY SOFTWARE OR APPLICATIONS IN CONJUNCTION WITH THE iOS SOFTWARE OR SERVICES, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF APPLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR PERSONAL INJURY, OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU. In no event shall Apple's total liability to you for all damages (other than as may be required by applicable law in cases involving personal injury) exceed the amount of two hundred and fifty dollars (U.S.$250.00). The foregoing limitations will apply even if the above stated remedy fails of its essential purpose.

9. Digital Certificates. The iOS Software contains functionality that allows it to accept digital certificates either issued from Apple or from third parties. YOU ARE SOLELY RESPONSIBLE FOR DECIDING WHETHER OR NOT TO RELY ON A CERTIFICATE WHETHER ISSUED BY APPLE OR A THIRD PARTY. YOUR USE OF DIGITAL CERTIFICATES IS AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, APPLE MAKES NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, AS TO MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE, ACCURACY, SECURITY, OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS WITH RESPECT TO DIGITAL CERTIFICATES.  

10. Export Control. You may not use or otherwise export or re-export the iOS Software except as authorized by United States law and the laws of the jurisdiction(s) in which the iOS Software was obtained. In particular, but without limitation, the iOS Software may not be exported or re-exported (a) into any U.S. embargoed countries or (b) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person's List or Entity List or any other restricted party lists. By using the iOS Software, you represent and warrant that you are not located in any such country or on any such list. You also agree that you will not use the iOS Software for any purposes prohibited by United States law, including, without limitation, the development, design, manufacture or production of missiles, nuclear, chemical or biological weapons.

11. Government End Users. The iOS Software and related documentation are "Commercial Items", as that term is defined at 48 C.F.R. §2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation", as such terms are used in 48 C.F.R. §12.212 or 48 C.F.R. §227.7202, as applicable. Consistent with 48 C.F.R. §12.212 or 48 C.F.R. §227.7202-1 through 227.7202-4, as applicable, the Commercial Computer Software and Commercial Computer Software Documentation are being licensed to U.S. Government end users (a) only as Commercial Items and (b) with only those rights as are granted to all other end users pursuant to the terms and conditions herein. Unpublished-rights reserved under the copyright laws of the United States.

12. Controlling Law and Severability. This License will be governed by and construed in accordance with the laws of the State of California, excluding its conflict of law principles. This License shall not be governed by the United Nations Convention on Contracts for the International Sale of Goods, the application of which is expressly excluded. If you are a consumer based in the United Kingdom, this License will be governed by the laws of the jurisdiction of your residence.  If for any reason a court of competent jurisdiction finds any provision, or portion thereof, to be unenforceable, the remainder of this License shall continue in full force and effect.  

13. Complete Agreement; Governing Language. This License constitutes the entire agreement between you and Apple relating to the iOS Software and supersedes all prior or contemporaneous understandings regarding such subject matter. No amendment to or modification of this License will be binding unless in writing and signed by Apple. Any translation of this License is done for local requirements and in the event of a dispute between the English and any non-English versions, the English version of this License shall govern, to the extent not prohibited by local law in your jurisdiction.

14. Third Party Acknowledgements. Portions of the iOS Software may utilize or include third party software and other copyrighted material. Acknowledgements, licensing terms and disclaimers for such material are contained in the electronic documentation for the iOS Software, and your use of such material is governed by their respective terms. Use of the Google Safe Browsing Service is subject to the Google Terms of Service (http://www.google.com/terms_of_service.html) and to Google's Privacy Policy (http://www.google.com/privacypolicy.html).

15. Use of MPEG-4; H.264/AVC Notice. 
(a) The iOS Software is licensed under the MPEG-4 Systems Patent Portfolio License for encoding in compliance with the MPEG-4 Systems Standard, except that an additional license and payment of royalties are necessary for encoding in connection with (i) data stored or replicated in physical media which is paid for on a title by title basis and/or (ii) data which is paid for on a title by title basis and is transmitted to an end user for permanent storage and/or use. Such additional license may be obtained from MPEG LA, LLC. See http://www.mpegla.com for additional details.

(b) The iOS Software contains MPEG-4 video encoding and/or decoding functionality. The iOS Software is licensed under the MPEG-4 Visual Patent Portfolio License for the personal and non-commercial use of a consumer for (i) encoding video in compliance with the MPEG-4 Visual Standard ("MPEG-4 Video") and/or (ii) decoding MPEG-4 video that was encoded by a consumer engaged in a personal and non-commercial activity and/or was obtained from a video provider licensed by MPEG LA to provide MPEG-4 video. No license is granted or shall be implied for any other use. Additional information including that relating to promotional, internal and commercial uses and licensing may be obtained from MPEG LA, LLC.  See http://www.mpegla.com

(c) The iOS Software contains AVC encoding and/or decoding functionality, commercial use of H.264/AVC requires additional licensing and the following provision applies: THE AVC FUNCTIONALITY IN THE iOS SOFTWARE IS LICENSED HEREIN ONLY FOR THE PERSONAL AND NON-COMMERCIAL USE OF A CONSUMER TO (i) ENCODE VIDEO IN COMPLIANCE WITH THE AVC STANDARD ("AVC VIDEO") AND/OR (ii) DECODE AVC VIDEO THAT WAS ENCODED BY A CONSUMER ENGAGED IN A PERSONAL AND NON-COMMERCIAL ACTIVITY AND/OR AVC VIDEO THAT WAS OBTAINED FROM A VIDEO PROVIDER LICENSED TO PROVIDE AVC VIDEO. INFORMATION REGARDING OTHER USES AND LICENSES MAY BE OBTAINED FROM MPEG LA L.L.C. SEE HTTP://WWW.MPEGLA.COM

16. Yahoo Search Service Restrictions. The Yahoo Search Service available through Safari is licensed for use only in the following countries and regions: Argentina, Aruba, Australia, Austria, Barbados, Belgium, Bermuda, Brazil, Bulgaria, Canada, Cayman Islands, Chile, China, Colombia, Cyprus, Czech Republic, Denmark, Dominican Republic, Ecuador, El Salvador, Finland, France, Germany, Greece, Grenada, Guatemala, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Italy, Jamaica, Japan, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Netherlands, New Zealand, Nicaragua, Norway, Panama, Peru, Philippines, Poland, Portugal, Puerto Rico, Romania, Singapore, Slovakia, Slovenia, South Korea, Spain, St. Lucia, St. Vincent, Sweden, Switzerland, Taiwan, Thailand, The Bahamas, Trinidad and Tobago, Turkey, UK, Uruguay, US and Venezuela.

17. Microsoft Exchange Notice. The Microsoft Exchange mail setting in the iOS Software is licensed only for over-the-air synchronization of information, such as email, contacts, calendar and tasks, between your iOS and Microsoft Exchange Server or other server software licensed by Microsoft to implement the Microsoft Exchange ActiveSync protocol.

EA1348
09/17/2015

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Apple Pay Supplemental Terms and Conditions

These Apple Pay Supplemental Terms and Conditions (the "Supplemental Terms") supplement the iOS Software License Agreement (the "License"); both the terms of the License and these Supplemental Terms govern your use of the Apple Pay feature. Capitalized terms used in these Supplemental Terms have the meanings set forth in the License.

1 Overview and Use Restrictions

Apple Pay allows you to store virtual representations of credit and debit cards, including store credit and debit cards, which are supported by the Apple Pay feature ("Supported Payment Cards") and use supported iOS Devices to make contactless payments in select stores or within apps. Apple Pay also allows you to use rewards cards that are stored in Wallet, including those that contain stored value ("Apple Pay-Enabled Rewards Cards", and together with Supported Payment Cards, "Supported Cards"), to make contactless rewards cards transactions in select stores as part of a contactless payment using Apple Pay. The Apple Pay features of the iOS Software may only be available in select regions, with select card issuers, and with select merchants. Features may vary by region, issuer, and merchant.

In order to use Apple Pay, you must have a card supported by the Apple Pay feature. Supported Cards may change from time to time. Supported Payment Cards require an active iCloud account in order to use this feature. Supported Cards are only available to individuals aged 13 years or older, and may be subject to additional age-based restrictions imposed by iCloud or the Supported Card which you are trying to provision.

Apple Pay is intended for your personal use and you may only provision your own Supported Cards. If you are provisioning a supported corporate card, you represent that you are doing so with the authorization of your employer and you are authorized to bind your employer to these terms of use and all transactions effected by use of this feature.

You agree not to use Apple Pay for illegal or fraudulent purposes, or any other purposes which are prohibited by the License and these Supplemental Terms. You further agree to use Apple Pay in accordance with applicable law and regulation. You agree not to interfere with or disrupt the Apple Pay service (including accessing the service through any automated means), or any servers or networks connected to the service, or any policies, requirements or regulations of networks connected to the service (including any unauthorized access to, use or monitoring of data or traffic thereon).

2 Apple's Relationship With You

Apple Pay enables you to create a virtual representation of your Supported Payment Cards on your supported iOS Device and use Apple Pay-Enabled Rewards Cards as part of a payment, however Apple does not process payments or rewards cards transactions (such as reward accrual and redemption), or have any other control over payments, returns, refunds, rewards, value, discounts or other commerce activity that may arise out of your use of this feature. The terms of cardholder agreements you may have in place with your issuing bank will continue to govern your use of your Supported Payment Cards and their use in connection with Apple Pay. Similarly, your participation in any merchant rewards or stored value programs and your use of Apple Pay-Enabled Rewards Cards in connection with Apple Pay will be subject to such merchant's terms and conditions. Nothing in the License or these Supplemental Terms modifies the terms of any cardholder or merchant agreement, and such terms will govern your use of the applicable Supported Card and its virtual representation on your iOS Device.

You agree that Apple is not a party to your cardholder or merchant agreements, nor is Apple responsible for the content, accuracy or unavailability of any payment cards, rewards cards, stored value cards, commerce activities, transactions or purchases while using Apple Pay functionality, nor is Apple in any way involved in the issuance of credit or assessing eligibility for credit, or the accrual or redemption of rewards under a merchant's rewards program. For all disputes or questions about payment cards, rewards cards, stored value cards, or associated commerce activity, please contact your issuer or the applicable merchant.

3 Privacy

Apple Pay requires some information from your iOS Device in order to offer the full experience. You can find more information on the data collected, used or shared as part of your use of Apple Pay by reading About Apple Pay and Privacy or by visiting http://www.apple.com/privacy.

4 Security; Lost or Disabled Devices

Apple Pay stores virtual representations of your Supported Payment Cards and should be protected as you would protect your physical credit and debit cards. Providing your device passcode to a third party or allowing a third party to add their fingerprint to use Touch ID may result in their ability to make payments and receive or redeem rewards using Apple Pay on your device. You are solely responsible for maintaining the security of your device and of your passcode. You agree that Apple does not have any responsibility if you lose or share access to your device. You agree that Apple does not have any responsibility if you make unauthorized modifications to iOS (such as by way of a "jailbreak").

If your device is lost or stolen and you have Find My iPhone enabled, you can use Find My iPhone to attempt to suspend the ability to pay with the virtual credit and debit cards on the device by putting it into Lost Mode. You can also erase your device, which will attempt to suspend the ability to pay with the virtual credit and debit cards on the device and will also attempt to remove the Apple Pay-Enabled Rewards Cards. You should also contact the bank who issued your credit and debit cards and the merchant who issued your rewards or stored value cards in order to prevent unauthorized access to your virtual Supported Cards.

If you report or Apple suspects fraudulent or abusive activity, you agree to cooperate with Apple in any investigation and to use any fraud prevention measures we prescribe.

5 Limitation of Liability

IN ADDITION TO THE DISCLAIMERS OF WARRANTIES AND LIMITATION OF LIABILITY SET FORTH IN THE LICENSE, APPLE DOES NOT ASSUME ANY LIABILITY FOR PURCHASES, PAYMENTS, TRANSACTIONS, OR OTHER COMMERCE ACTIVITY MADE USING THE APPLE PAY FEATURE, AND YOU AGREE TO LOOK SOLELY TO AGREEMENTS YOU MAY HAVE WITH YOUR ISSUING BANK, PAYMENT NETWORK, OR MERCHANT TO RESOLVE ANY QUESTIONS OR DISPUTES RELATING TO YOUR SUPPORTED CARDS, VIRTUAL SUPPORTED CARDS AND ASSOCIATED COMMERCE ACTIVITY.

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NOTICES FROM APPLE
If Apple needs to contact you about your product or account, you consent to receive the notices by email. You agree that any such notices that we send you electronically will satisfy any legal communication requirements.