TERMS AND CONDITIONS It is important to carefully review all Terms and Conditions below, including the provision concerning REFUNDS. These Terms and Conditions may be amended at any time. All amended terms shall be effective immediately after they are posted to the Website. You are agreeing to accept and comply with the Terms and Conditions as modified. These Terms and Conditions also apply to Service transactions, or Payments, made by or through any "Alternative Payment Channels" including those Payments initiated, or completed through, Integrated Voice Response (IVR) systems, customer service representatives, telephone, internet, or any other means or mechanisms of Payment acceptance. These Terms and Conditions, as amended, shall apply to all REVOCATION OR CANCELLATION. You may not cancel a Payment once your bank card has been charged or your bank account has been debited. If You schedule recurring Payments, You may revoke Your Authorization by re-accessing the means by which you provided Authorization (e.g. if you provided Authorization through phone call you may revoke Authorization through phone call or in writing) or by contacting Customer Service at the number provided in time for us to receive Your request 3 Business Days or more before the Payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. 8) RESOLUTION OF DISPUTES. Any dispute arising from or relating to Service or your Payment(s) shall be resolved by mandatory and binding arbitration. The arbitrator shall also decide what is subject to arbitration unless prohibited by law. The arbitration will be administered by American Arbitration Association ("AAA")