Terms & Conditions of use

IBL International GmbH and IBL International Corp ("IBL") require all users and visitors to the www.ibl-international.com website ("Site") to agree to these terms and conditions ("Terms & Conditions" or "Agreement").

Please read this Agreement carefully and, if you do not agree to all of the terms and conditions, you should not use or access the Site. By using or accessing the Site you, on behalf of yourself and any Person who you represent, indicate your collective acknowledgment and acceptance of these terms and conditions and agree to be bound by them.

  1. Definitions

    Capitalized terms used herein shall have the meaning provided below or elsewhere in this Agreement.

    1. "Buyer" is a Person ordering Product(s) through the Site.
    2. "Order" means an order submitted by a Buyer through the Site for the purchase of Product(s).
    3. "Person" means any natural person, partnership, trust, estate, association, limited liability Company, corporation, custodian, nominee, governmental instrumentality or agency, body politic or any other entity in its own or any representative capacity.
    4. "Product" or "Products" means, collectively, the various products that are advertised, marketed, offered for sale, promoted, sold and otherwise distributed through the Site.
    5. "Services" means, collectively, the various services and functionality offered to Users and Visitors through the Site, as well as the provision of content and print or electronic literature through the Site.
    6. "User" means a Person that has created a user account through the Site, and Buyer is a Person that orders Product(s) through the Site.
    7. "Visitor" is a Person that is using or accessing the Site, but has not created a user account.
  2. Products
    1. General. By placing an order the Buyer acknowledges these General Terms and Conditions. We do not acknowledge conditions of the Buyer contrary to or deviating from our Terms and Conditions unless we have expressly consented to their validity in writing.
    2. This Agreement will apply to Orders and no other terms and conditions will apply to such Orders unless such terms and conditions authored by IBL and posted on the Site, or unless physically executed in blue ink by an authorized officer of IBL.
    3. Prices. All prices are subject to change and are quoted, unless otherwise agreed in writing, ex works, excluding packaging and shipping and plus statutory turnover tax. Handling, packaging and freight will be charged in accordance with the freight table, as may be amended from time to time.
    4. Delivery and Shipping. All shipments are made ex works and at the Buyer's risk, unless otherwise agreed in writing. The risk of loss passes on the delivery of the Products to the shipping carrier for transport. IBL is entitled to effect deliveries in installments.
    5. Force Majeure, Impediments to Performance of the Agreement. Force majeure of any kind, unforeseeable interruptions of operations, of traffic or in dispatching shipments, war, terrorist acts, damage caused by fire, floods, unforeseeable shortages of labor, of energy, of raw materials or supplies, strikes, lockouts, orders by the authorities or other impediments for which the party obliged to perform is not responsible and which reduce, delay, prevent or render unacceptable the procurement from our suppliers, the manufacture, dispatch, taking delivery or consumption release IBL and Buyer for the duration and on the scale of the interruption from their obligation to deliver or take delivery. If the period for delivery and/or taking delivery is exceeded by more than eight (8) weeks as a result of the interruption, both parties will be entitled to rescind the Order. In the event of total or partial loss of IBL's sources of supply, IBL will not be obliged to purchase goods from other sources to replace those to which the contract relates. In this case the seller is entitled to allocate the available quantities of goods taking into account its own requirements.
    6. Terms of Payment. Payments shall be made in USD. The invoice in USD is issued after dispatch of the Products. Unless otherwise separately stipulated in individual Orders, customers must pay in advance upon placing the Order. If checks or bills are accepted, this will be done on account of performance only. The Buyer must immediately reimburse IBL for discount and collection charges. Apart from that IBL and Buyer pay their respective banking charges. If the Buyer fails to timely pay amounts due, Buyer will be in material default of this Agreement without any breach notice being required from IBL to Buyer. In the event of a default by Buyer for failure to timely pay amounts due, Buyer agrees to pay to IBL all costs and expenses, including attorneys' fees, incurred by IBL in collecting any past due amounts. In addition, all overdue payments hereunder will accrue interest at a rate equal to the lesser of one and half percent (1.5%) per month or the highest rate allowed under applicable law, which interest shall be due and payable by Buyer. Assertion of claims for more extensive damage caused by default remains reserved.
      Acceptance of payments on account or of partial payments is not considered to be a deferment of any balance of the purchase price due. Buyer may not reduce or otherwise offset any amounts against its payment obligations under this Agreement.
    7. Online Payment. To the extent Buyer utilizes IBL's online payment Services, Buyer acknowledges that there cannot be a guarantee that communications or payment transactions conducted online will be absolutely secure. Buyer further acknowledges that there may be system failure that may limit Buyer's ability to use the online payment Services. Buyer agrees that it assumes all risk and liability arising from Buyer's use of IBL's online payment Services, including the risk of breach in the security of the communications or transactions Buyer conducts with IBL online. IBL's online payment Services are provided "AS IS" without warranty of any kind, whether expressed or implied, including, without limitation, the implied warranties of merchantability fitness for a particular purpose or otherwise.
      Buyer is solely responsible for maintaining the confidentiality of Buyer's password, and agrees that IBL will have no obligations with regard thereto. Buyer agrees not to give Buyer's password to anyone. If Buyer believes Buyer's password has been lost or stolen or someone has gained access to Buyer's password without Buyer's permission, call us immediately at +1 416-645-1703 . If Buyer uses a third party vendor (or distributor) to pay Buyer's payment to IBL and Buyer discloses to such vendor Buyer's username, password, account number, IBL will not be responsible for the accuracy and timeliness of processing Buyer's payment.
      For purposes of identification, payments and marketing, Buyer agrees to provide IBL with current, accurate, complete, and updated information for online payment, including legal name, address, telephone number(s), and applicable payment data (e.g., credit card or bank account number). Buyer agrees to notify IBL immediately of any changes in Buyer's account registration data. Proceeding with the account registration process indicates Buyer's intent to comply with this obligation. Please review IBL's Privacy Policy.
      By accepting these terms and conditions, Buyer acknowledges that IBL will initiate an ACH debit or credit card debit to the payment account(s) that Buyer has provided.
    8. Default. If the Buyer defaults in payment, IBL shall not be obliged to effect any further delivery under any Order until the invoice amounts due, including default interest have been paid. If the Buyer fails to pay within the periods allowed for payment or circumstances have occurred from which can be inferred, in interpreting criteria customary in banking, a substantial deterioration of the Buyer's financial circumstances and/or its creditworthiness has occurred, IBL shall be entitled to demand immediate payment for deliveries carried out and, at IBL's option, cash in advance or cash on delivery for future Orders. Alternatively, IBL may also demand provision of securities customary in banking. In the circumstances mentioned herein, all of IBL's other claims against the Buyer will fall due immediately and any deferral agreements will become void. IBL may suspend performance in the event of a breach by Buyer of its payment obligations hereunder.
    9. Warranty and Notification of Defects. IBL warrants that Products shall be delivered to the shipping carrier free from defects in material, workmanship and title. The warranty for Products shall expire ninety (90) days from deliver to the shipping carrier.

      If Products do not meet the above warranties, Buyer shall promptly notify IBL in writing prior to expiration of the warranty period. IBL shall within a commercially reasonable period of time at its option, repair or replace defective Products. If despite IBL's reasonable efforts, a non-conforming Product cannot be repaired or replaced, IBL shall refund or credit monies paid by Buyer for such non-conforming Products. Warranty repair, replacement or re-performance by IBL shall not extend or renew the applicable warranty period.

      The warranties and remedies are conditioned upon (i) storage, (ii) installation, (iii) use, (iv) operation, and (v) maintenance of Products in accordance with any IBL documentation. Failure to meet any such conditions renders the warranty null and void. Seller is not responsible for normal wear and tear. No warranty claims exist in the case of natural wear or tear or in the case of damage caused after the passing of the risk as a result of faulty or negligent treatment, unsuitable storage, mishandling or exceptional external influences which are not assumed under this Agreement by IBL.

      This subpart provide the exclusive remedies for all claims based on express or implied warranties, regardless of when any failure or defect in warranty arises and whether a claim, however described, is based on contract, indemnity, warranty, tort/extra-contractual liability (including negligence), strict liability or otherwise. The warranties provided in this subpart are exclusive and are in lieu of all other warranties, conditions and guarantees whether written, oral, implied or statutory. NO IMPLIED OR STATUTORY WARRANTY, OR WARRANTY OR CONDITION OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE APPLIES.
    10. Returns. Purchased goods which are free of defects may not be returned or exchanged in the absence of any special stipulation. The Buyer's rights under our warranty are not limited thereby.
    11. Handling Permit. Under Section 7 of the German Radiation Protection Ordinance (Strahlenschutzverordnung) of 20 July 2001 (BGBl. I 2001, S. 1714/1846), the Canadian Nuclear Safety Commission, the US NRC and under other international laws, handling radioactive substances requires a permit. For this reason we may deliver such substances only to persons in possession of a valid handling permit. We require a copy of your permit with the first Order. The Buyer is obliged to inform us of any changes (e.g., to activities, time limit, address).
    12. Reservation of Title. IBL retains title to the Products delivered by IBL until the full purchase price has been paid in full by Buyer. Until the full purchase price has been paid in full by Buyer the Buyer is obliged to treat the Products carefully and may not pledge, encumber or assign the Products.
  3. Content
    1. The content, including without limitation, text, images, data, graphics, animation, video and/or the arrangement of any of the foregoing on the Site and any Submissions ("IBL Content") are all subject to protection as the intellectual property of IBL and such IBL Content located on the Site and any other website owned, operated, licensed or controlled by IBL or any related, affiliated or subsidiary companies or entities may not be copied (in whole or in part), reproduced, stored, displayed, distributed, republished, uploaded, posted or transmitted in any way without the prior written consent of IBL. Any unauthorized modification or use of IBL Content for any purpose violates IBL's intellectual property rights.
    2. IBL grants to Users and Visitors a personal, nontransferable, revocable and limited license to view IBL Content in connection with their authorized use, accessing of the Site and Services, and ordering of Products. No other right, title or interest to IBL Content, to use or access the Site or Services, or order Products is granted. Title to IBL Content and any intellectual property rights therein is not transferred to a User or Visitor by such User or Visitor using, accessing the Site or Services, or ordering Product, but ownership of all rights therein shall remain solely with IBL, which owns full and complete title to IBL Content and all intellectual property rights therein.
    3. BY ACCESSING THE SITE YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR YOUR SUBMISSIONS, AND YOU, NOT IBL, HAVE FULL RESPONSIBILITY FOR SUCH SUBMISSIONS, INCLUDING ITS LEGALITY, RELIABILITY, APPROPRIATENESS, ORIGINALITY AND COPYRIGHT. YOU FURTHER ACKNOWLEDGE THAT (I) YOU ARE RESPONSIBLE FOR MAINTAINING THE SECURITY OF YOUR USERNAME, PASSWORD AND ANY ENCRYPTION KEY PROVIDED TO YOU FOR ACCESSING THE SERVICES OR SITE OR CONTENT STORED THEREON OR ACCESSIBLE THERETHROUGH OR ORDERING PRODUCTS THROUGH THE SITE, AND (II) IBL ACCEPTS NO RESPONSIBILITY OR LIABILITY FOR A LOST USERNAME, PASSWORD OR ENCRYPTION KEY.
  4. Submissions
    • All remarks, suggestions, ideas, or other information communicated to IBL by a User or Visitor regarding the IBL Content, Services, Site, or Products, including its functionality (a "Submission") will forever be the property of IBL. IBL will not be required to treat any Submission as confidential, will not be liable for any ideas for its business (including without limitation, product or advertising ideas) and will not incur any liability as a result of any similarities that may appear in future IBL operations. Without limitation, IBL will have the exclusive ownership of all present and future existing rights to all Submissions of every kind and nature everywhere. IBL will be entitled to use Submissions for any commercial or other purposes whatsoever without compensation to any person sending a Submission.
  5. Notice and Takedown Procedures; Copyright Agent
    1. If you believe any materials accessible on or from the Site (including other User's or Visitor's Submissions) infringe your copyright rights, you may request removal of such content (or access thereto) by submitting a notification pursuant to the Digital Millennium Copyright Act ("DMCA") to IBL which sets forth the following information:
      1. Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (e.g., URL) of an authorized version of the work.
      2. Identification of the material that you believe to be infringing and its location on the Site. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.
      3. Your name, address, telephone number and (if available) e-mail address.
      4. A statement that you have a good faith belief that the complained of use of the materials is not authorized by the copyright owner, its agent, or the law.
      5. A statement that the information that you have supplied is accurate, and indicating that "under penalty of perjury", you are the copyright owner or are authorized to act on the copyright owner's behalf.
      6. A signature or the electronic equivalent from the copyright holder or authorized representative.
    2. IBL's address to receive notifications of claimed infringement is: IBL International GmbH, Flughafenstrasse 52a, 22335 Hamburg, Germany; email: ibl@ibl-international.com; fax: +49 (0) 532891 11. (Please visit: http://ibl-international.com).
    3. You acknowledge that if you fail to comply with all of the requirements of this Section, your DMCA notice may not be valid.
    4. Counter-Notice
      1. If your user submission was removed (or access thereto is disabled), and you believe such submission is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the content in your user submission, you may send a counter-notice containing the following information to IBL:
        1. Your physical or electronic signature;
        2. Identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled;
        3. A statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and
        4. Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located, or if your address is located outside the United States, for any judicial district in which IBL is located, and that you will accept service of process from the person who provided the original notification of infringement or an agent of such person.
      2. If a counter-notice is received, IBL may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in ten (10) business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in ten (10) to fourteen (14) business days or more after receipt of the counter-notice, at IBL's sole discretion.
      3. In an effort to protect the rights of copyright owners, IBL maintains a policy for the termination, in appropriate circumstances, of accounts of Users of the Site who are repeat infringers.
  6. Proper Use.
    1. You agree that you are responsible for your own use of the IBL Content, Products, Services, or Site or for any Submissions you make, and for any consequences thereof. You agree that you will use the IBL Content, Products, Services, and Site in compliance with all applicable local, state, national, and international laws, rules and regulations, including any laws regarding the transmission of technical data exported from your country of residence and all United States export control laws.
    2. The following additional content restrictions apply to the Site:
      1. You may not use the Site or Services to promote adult content;
      2. You may not post images, video or textual content that depicts or encourages incest or bestiality;
      3. You may not use the Site or Services to post any content that exploits children, including, without limitation, child pornography or pedophilia (violation of this Section 4(b)(iii) will be reported to law enforcement);
      4. You may not use the Site or Services to post content that promotes hate or violence towards groups based on race, ethnicity, religion, disability, gender, age, veteran status, or sexual orientation/gender identity.
      5. You may not use the Site or Services to threaten other people, including posting death threats or other content encouraging others to take violent action against another person or group of people.
      6. You may not use the Site or Services to post content that violates the copyright rights, rights of privacy or other proprietary or intellectual property rights of a third party;
      7. You may not use the Site or Services to post another person's personal and confidential information, including, without limitation, their credit card numbers, Social Security numbers, unlisted phone numbers, and/or driver's license numbers, without their express permission.
      8. You may not use the Site or Services to impersonate others or attempt mislead or confuse readers by pretending to be someone else or pretending to represent someone or an organization when you don't.
      9. You may not use the Site or Services in illegal activities or to promote dangerous and illegal activities. For example, don't author a blog encouraging people to drink and drive. Otherwise, we may delete your content. Also, in serious cases such as those involving the abuse of children, we may report you to the appropriate authorities.
      10. (x) You may not use the Site or Services to transmit viruses or other malicious code, cause pop-ups, attempt to install software without another user's consent, or otherwise impact other Visitors or Users with malicious code.
    3. If you violate the terms of this Section 6, IBL, in its sole discretion, may do one or more of the following: disable your access to your account, reporting you to law enforcement; immediately terminate this Agreement and your right to use the IBL Content, Site and Services, delete content posted to your account, and may subject you to state and federal penalties and other legal consequences. IBL reserves the right, but shall have no obligation, to investigate your use of the Service or Site in order to (i) determine whether a violation of the Agreement has occurred or (ii) comply with any applicable laws, regulations, legal process or governmental request.
  7. NO WARRANTIES OR REPRESENTATIONS; DISCLAIMER; LIMITATION ON LIABILITY, INDEMNIFICATION
    1. IBL CONTENT, PRODUCT, SERVICES AND THE SITE ARE PROVIDED FOR THE USE OF USERS AND VISITORS IN ACCORDANCE WITH THE NOTICES, TERMS AND CONDITIONS SET FORTH HEREIN AND ON THE SITE. IBL CONTENT DOES NOT NECESSARILY REFLECT THE OPINIONS OF IBL OR ANY OF ITS AFFILIATES, REPRESENTATIVES OR AGENTS. IBL DOES NOT ENDORSE, SUPPORT, REPRESENT OR GUARANTEE THE TRUTHFULNESS, ACCURACY, OR RELIABILITY OF ANY SUBMISSIONS POSTED VIA THE SERVICE OR SITE OR ENDORSE ANY OPINIONS EXPRESSED VIA THE SERVICE OR SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON MATERIAL POSTED VIA THE SERVICE OR SITE WILL BE AT YOUR OWN RISK. IBL CONTENT IS NOT GUARANTEED OR REPRESENTED TO BE COMPLETE, CORRECT OR UP-TO-DATE. YOU MAY NOT ACT OR RELY ON ANY INFORMATION OR MATERIALS ACCESSED VIA THE SERVICE OR SITE. YOU MUST INDEPENDENTLY VERIFY THE ACCURACY OF ALL IBL CONTENT BEFORE ACTING OR RELYING THEREON.
    2. IBL CONTENT MAY BE CHANGED FROM TIME TO TIME WITHOUT NOTICE. IBL CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT LEGALLY PERMITTED, IBL HEREBY EXPLICITLY DISCLAIMS ALL WARRANTIES INCLUDING, BUT NOT LIMITED TO, ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND AGAINST INFRINGEMENT. IBL DOES NOT WARRANT THAT THE SITE, ITS FUNCTIONS AND/OR THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE HARDWARE AND SOFTWARE THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. IBL DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF OR THE RESULT OF THE USE OF IBL CONTENT IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT IBL) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.
    3. BY ACCESSING THE SITE AND SERVICES, USING IBL CONTENT PROVIDED THERETHROUGH AND ORDERING THE PRODUCTS, YOU AGREE THAT IBL (INCLUDING ITS AGENTS, OFFICERS, DIRECTORS AND EMPLOYEES) ARE NOT LIABLE TO YOU FOR DAMAGES OF ANY KIND AND THAT YOU WILL DEFEND, INDEMNIFY AND HOLD HARMLESS IBL, ITS AFFILIATES, EMPLOYEES AND AGENTS FROM ANY CLAIM OR ALLEGATION ARISING, DIRECTLY OR INDIRECTLY, OUT OF YOUR USE OF OR ACCESS TO THE IBL CONTENT, PRODUCTS, SITE AND/OR SERVICES; ANY SUBMISSIONS PROVIDED, SUBMITTED, POSTED OR UPLOADED BY YOU; AND/OR YOUR BREACH OF THIS AGREEMENT. TERMINATION SHALL BE YOUR SOLE AND EXCLUSIVE REMEDY IN THE EVENT OF ANY VIOLATION OR BREACH OF THESE TERMS & CONDITIONS BY IBL.
    4. YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OF OR RELATED TO USE OF THE IBL CONTENT, PRODUCTS, SITE OR SERVICES OR THESE TERMS AND CONDITIONS MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.
  8. Miscellaneous
    1. These terms and conditions will be governed and interpreted pursuant to the laws of the State of Georgia, inside the United States of America, notwithstanding any principles of conflict of laws and to the exclusion of the UN Convention on Contracts for the International Sale of Goods. Any dispute or claim arising out of or relating to this Agreement, the IBL Content, Products, Services, or Site shall be submitted first to non-binding mediation to be held in Atlanta, Georgia, unless either party elects to forego mediation by initiating a written request for arbitration. If mediation is not successful within ninety (90) days after the issuance by one of the parties of a request for mediation then the parties agree to refer and submit all disputes, differences, controversies, claims, and questions regarding the IBL Content, Products, Services, Site, or the terms and conditions of this Agreement, and its enforcement, including, but not limited to, the question of whether to arbitrate or not, to a panel of three (3) arbitrators selected pursuant to the rules and regulations of the American Arbitration Association and to be bound by any decision by said arbitrators. All arbitration hearings shall be held in Atlanta, Georgia. Also, the parties agree that any decision of the arbitrators may be entered by either party in any Court of competent jurisdiction in the State of Georgia and that such decision by the arbitrator shall be a final and binding decision as to the parties and the issues involved. By operation of this provision, the parties agree to forego litigation over such disputes in any court of competent jurisdiction.

      You are responsible for compliance with all applicable laws, statutes, regulations and rules. Any use of the IBL Content, Products, Services or Site in contravention of any provision of this Agreement is at your own risk and, if any part of this Agreement is invalid or unenforceable under applicable law, the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall govern such use.
    2. IBL can revise these Terms & Conditions at any time by updating this posting. The Site may be linked to other sites, which are not maintained by IBL. IBL is not responsible for the content of those sites.
    3. You agree that no joint venture, partnership, employment or agency relationship exists between you and IBL as a result of this Agreement or your use of the Site.
    4. IBL's performance of this Agreement is subject to existing laws and legal process and nothing contained in this Agreement is in derogation of IBL's right to comply with law enforcement requests or requirements relating to your use of the IBL Content, Products, Services or Site, or Submissions you have made, or information provided to or gathered by IBL with respect to such use.
    5. You acknowledge, as between you and IBL, that IBL owns all right, title and interest in and to the IBL Content, Products, Services and Site, including all intellectual property rights therein (the "IBL Rights"). IBL Rights are protected by U.S. and international intellectual property laws. Accordingly, you agree that you will not copy, reproduce, alter, modify, or create derivative works from IBL Rights. You also agree that you will not use any robot, spider, other automated device, or manual process to monitor or copy any content from the Service or Site. All trademarks and service marks are the property of IBL or the respective trademark owners. Except for the limited, non-exclusive, revocable right and license to use IBL Content, Products, Services, and Site set forth herein, you do not receive any right or license to use any of IBL Rights without IBL's prior written consent.
    6. There may be occasions when IBL obtains personally identifiable information to provide you with correspondence or otherwise. However, IBL only gathers personally identifiable information, such as names, addresses, e-mail addresses, etc., when you voluntarily submit the same. Such personally identifiable information is used solely by IBL and is not sold, transferred or otherwise disseminated to third parties. YOU CONSENT TO THE COLLECTION, STORAGE AND PROCESSING OF SUCH PERSONAL INFORMATION BY IBL AND SERVICE PROVIDERS RETAINED BY IBL FOR THE PURPOSES AS SET FORTH IN THE PRIVACY POLICY.
    7. This Agreement and the Privacy Policy constitute the entire agreement between you and IBL with respect to the IBL Content, Products, Services and Site. This Agreement supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and IBL with respect to the IBL Content, Products, Services and Site. No modification of this Agreement shall be effective unless it is authored by IBL, or unless it is physically executed in blue ink by an authorized officer or manager of IBL. Any alleged waiver of any breach of this Agreement shall not be deemed to be a waiver of any future breach. A printed version of this Agreement and/or of any notice given by IBL in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement or your use of or accessing or ordering of the IBL Content, Products, Services and Site to the same extent and subject to the same conditions as other business documents and records originally generated and maintained by IBL in printed form.

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