NCCO Website Terms of Use

Welcome to the National Checking website (the “Site”), a website owned and operated by National Checking Company (“NCCO”).  These NCCO Website Terms of Use (“Terms of Use”) constitute a legally binding agreement between you and NCCO.  Please read these Terms of Use, and any additional terms and conditions, policies and guidelines referenced herein, before using the Site.

The Terms of Use identify what a user of the Site (“you” or “your” or “User” or “Users”) can expect from the Site from NCCO (“NCCO”, “we”, “us” or “our”), and/or persons who provide products or services to NCCO through the Site.  By using the Site, creating an account, making a purchase via the Site or through telephone orders, email, EDI, or other means, downloading an NCCO application, joining any NCCO online interactive community, posting a review or creating a profile, or using other features, you agree that you have read, understood, and agree to be bound by the Terms of Use.  If you do not agree to be bound by these Terms of Use and to follow all applicable laws, you should leave the Site or any other NCCO Service immediately.

  1. LICENSES AND RESTRICTIONS
    1. All rights are reserved and no implied licenses are granted.
    2. Restrictions.  The licenses in Section 1.1 do not include any rights to: (a) modify, download (other than automatic page caching by your browser), reproduce, copy, or resell the Site, the Content or any portion or derivative thereof; (b) copy or download any User’s account or profile information for the benefit of any third party; (c) enable high volume, automated, electronic processes that apply to the Site or its systems, the Content or any portion or derivative thereof; (d) use any robot, spider, data miner, crawler, scraper or other automated means to access, scrape, or index the Site or its systems, the Content or any portion or derivative thereof for any purpose; (e) interfere or attempt to interfere with the proper working of the Site; (f) bypass any measures used by NCCO to prevent or restrict access to any portion of the Site, the Content or any portion or derivative thereof; (g) frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of NCCO; (h) use NCCO’s name, trademarks, services marks or logos in any meta tags or any other “hidden text”; or (i) compile, repackage, disseminate, or otherwise use data extracted from the Site.
  • TRADEMARKS.  NCCO, or its subsidiaries, or affiliates, or third parties from whom NCCO has permission, own the trademarks or service marks that are used on the Site.  All rights are reserved and no implied licenses are granted.  These and other graphics, logos, service marks, trademarks and trade dress of NCCO and its licensors may not be used without prior written consent of NCCO or its licensor, as the case may be.  Without limiting the foregoing, no NCCO trademark or trade dress may be used in connection with any product or service that is not NCCO’s, in any manner that is likely to cause confusion among Users, or in any manner that disparages, or discredits NCCO.
  • CONTENT
    • Proprietary Rights.  User acknowledges that the Site contains certain content (such as text, graphics, photographs, video, audio, code, and other data or information relating to any subject) (“Content”), that is or may be protected by copyrights, trademarks, patents, trade secrets, or other proprietary rights, and that these rights are valid and protected in all forms, media and technologies existing now or hereinafter developed.  All Content is or may be copyrighted as a collective work under the U.S. copyright laws, and NCCO owns a copyright in the selection, coordination, arrangement, and enhancement of such Content on the Site.  User may not copy, modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any such Content, in whole or in part.  Except permitted by the fair use privilege under the U.S. copyright laws (see, e.g., 17 U.S.C. Section 107), User may not upload, post, copy, reproduce, or distribute in any way Content protected by copyright, or other proprietary right, without obtaining permission of the owner of the copyright or other property right.
    • Third-Party Content.  NCCO may from time to time distribute and publish on the Site content supplied by others such as third parties or users.  NCCO assumes no editorial control over such Content, and is not obligated to review such content, including User Created Content, as that term is defined in below.  Any opinions, advice, statements, services, offers, or other information that constitutes part of content, including User Created Content, expressed or made available by third parties, including any other User, are those of the respective authors or distributors and not of NCCO or any NCCO Provider, unless expressly stated otherwise.  NCCO makes no representations, warranties, or guarantees on the accuracy, completeness, or usefulness of any third-party content unless otherwise expressly stated.  Under no circumstance shall NCCO be liable for any loss, damage, or harm caused by a User’s reliance on information obtained through the Site.  It is the responsibility of User to evaluate the accuracy, completeness, or usefulness of the information, opinion, advice, third party content, or Content, including User Created Content, available through the Site.
  • PRICES, PAYMENT
    • Prices.  User may purchase items on the Site for the price stated on the Site, which is a suggested retail price of a product.  If the product is not provided by NCCO the suggested retail price of the product is provided by a manufacturer, supplier, or seller.  NCCO may not be able to confirm the price of any such item until your order is processed.  It is possible that some products in the catalog may be mispriced.  If the correct price of an item sold by NCCO is higher than the stated price, we will, at our discretion, either contact you for instructions before shipping or cancel your order and notify you of such cancellation.  Other merchants may follow different policies in the event of a mispriced item.  Prices are subject to change without notice, which will supersede all previous quotations.  If your product is purchased with a credit card, you acknowledge that the price for an item on the Site may differ from the price shown in a User’s shopping cart and it is possible that such price may increase or decrease between the time the item is placed in a shopping cart and the time that the purchase is actually made.  Prices are subject to change without notice and supersede all previous quotations.
    • Notice.  Any purchases from any third-party sellers on the Site may be subject to different policies with regard to pricing, including as to incorrectly priced items.
    • Credit Terms: If you purchase product on credit, as approved by NCCO, NCCO will issue an invoice for the product and invoices are due and payable thirty (30) days from the date of invoice, and any amounts not paid when due shall accrue interest at the rate of six percent (6%) per annum until paid in full.  NCCO has the right to reduce the credit limit and/or withdraw your credit at any time without prior notice, except as otherwise provided by law.  NCCO reserves the right to revoke credit or demand full payment if you fail to pay amounts when due or, if in the reasonable discretion of NCCO, there has been an adverse change in your ability to repay credit extended by NCCO.  In the event that you default under any provision of an extension of credit, then you are liable to, and upon demand will reimburse, NCCO for any attorney fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due.  NCCO does not waive its rights by accepting late payments.
    • Custom Products: Orders for custom products are non-cancelable once the order has been placed by you.  Custom products are non-returnable unless expressly approved by the NCCO.  All custom orders are subject to a -10%/+10% over/under run of original quantity ordered.  You assume all responsibility for the selection, testing, and validation of custom products purchased from NCCO and the fitness of such products for your use.
    • Taxes.  A current resale certificate or tax exemption form must accompany this application, or be on file with NCCO, if purchases are deemed to be tax exempt per current tax law.  If no such exemption certificate is provided or on file with NCCO, NCCO will charge sales or use tax on all purchases by you.
  • RISK OF LOSS.  The risk of loss and title for all products purchased through the Site pass to you upon delivery of the item to the carrier, or based upon another shipping method as agreed to between the parties, including as set forth in an NCCO invoice or purchase order.
  • PRODUCT DESCRIPTION.  The products offered for sale on the Site may contain descriptions of the products and its functions, features, specifications and other information, which may be provided by NCCO or provided directly by the manufacturer, developer, or distributor of such product.  NCCO does not represent or warrant that the descriptions of such items are accurate or complete.  If you are dissatisfied with a product for any reason, including its description, your sole and exclusive remedy is to return the product in an unused condition as specified in these Terms of Use.
  • AGE OF USERS.  Products are marketed for and directed towards purchase by adults or with the consent of adults.  Individuals under the age of 18 (“Minors”) are not permitted to use NCCO websites without the supervision of a parent or legal guardian.  Furthermore, we do not knowingly collect or solicit personal information from children under the age of 13 or knowingly allow such persons to register for an online account or to post personal information on our websites.  Should we learn that someone under the age of 13 has provided any personal information to or on any of the NCCO websites, we will remove that information as soon as possible.
  • TERMINATION OF USAGE
    • Termination Rights.  NCCO may issue a warning, temporarily suspend, indefinitely suspend or terminate any User’s license and right to use or access all or any part of the Site including any account thereon, without notice, for any reason in NCCO’s sole discretion, including, without limitation, violation of the Terms of Use, NCCO’s belief that such access would violate any applicable law or would be harmful to the interests of, or potentially cause financial loss or legal liability to, NCCO or another party, or that continued use and access constitutes a security risk.
    • Restricted Users.  In certain cases, in NCCO’s sole discretion, NCCO may provide written notice (a “Restriction Notice”) to a User (a “Restricted User”) to inform such Restricted User that: (a) his or her right to use or access any part of the Site has been suspended or terminated, including the right to use, access or create any account thereon; (b) that NCCO refuses to provide any use or access to such Restricted User; and (c) any subsequent orders placed by a Restricted User will be subject to cancellation.  Other conditions may apply and shall be set forth in the Restriction Notice.
  • INDEMNITY.  You agree to indemnify, defend and hold NCCO (and its affiliates, employees, contractors, agents, suppliers and partners) harmless from any and all claims, suits, actions, losses, costs, damages, and any other liabilities, including reasonable attorneys’ fees, brought by any third party due to or arising out of: (a) such User’s access and use of the Site; (b) any alleged breach or violation of the Terms of Use; or (c) such User’s violation of any law or the rights of a third party.  NCCO reserves the right, at User’s expense, to assume the exclusive defense and control of any matter for which such User is required to indemnify NCCO, and User agrees to cooperate with NCCO’s defense of such matter.  This defense and indemnification obligation is intended to extend to the fullest extent permitted by law and will survive the Terms of Use and your use of the Site.
  • PASSWORD AND ACCOUNT SECURITY
    • Account Password.  Every User that has an account for the Site is responsible for: (a) keeping his or her account credentials (including passwords) confidential and secured; (b) ensuring that no one other than User accesses Users’ account (User shall not share account credentials with anyone); and (c) keeping the contact information associated with that account current.  User acknowledges that it is necessary to keep the e-mail address associated with his or her account current because although the User may be able to log into his or her NCCO account using an old e-mail address, such User will not receive messages from NCCO about his or her orders and inquiries or other matters.
    • Account Security.  User accepts full responsibility for all activities that occur within such User’s NCCO account or within the Site interactive community, whether or not authorized by the User.
  • INTERACTIVITY
    • Interactivity.  The Site may offer opportunities for interactive activities, which enable Users to communicate with each other directly, or which enable Users to post information and other material that will be visible to other Users of those services, such as product reviews, pose and answer questions about product, and other interactions (“Interactivity”).  The scope of these features may change from time to time, with or without notice.  You are using Interactivity if you post a review or blog entry, create a list, create a profile, submit any other User Created Content, as defined below, or otherwise participate in any interactive feature.
    • Interactivity Services.  Interactivity may be used only for lawful purposes in accordance with these Terms of Use.  If you are using any Site Interactivity, and post, publish or communicate any information, data, software, photographs, graphs, videos, typefaces, graphics, music, sounds, and other material on or through the Interactivity, please choose carefully the information that you post and/or provide to other Users (“User Created Content”).  User is prohibited from posting on or transmitting through the Site any unlawful, harmful, threatening, abusive, false, misleading, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically, or otherwise objectionable material of any kind, including, but not limited to, any material that encourages conduct that would constitute a criminal offense, give rise to liability, or otherwise violate any applicable law.  NCCO reserves the right, in its sole discretion, to reject, refuse to post or remove any posting or other User Created Content (including private messages) by you, or to deny, restrict, suspend, or terminate access to all or any part of the Interactivity at any time, for any or no reason, with or without prior notice or explanation, and without liability.
    • Right to Remove Profile or Terminate Access.  NCCO reserves the right, in its sole discretion, to remove your profile and/or deny, restrict, suspend, or terminate your access to all or any part of the Interactivity for any reason.
    • User Created Content.
      • Notwithstanding the foregoing, NCCO assumes no responsibility for ongoing monitoring of the Site or for removal or editing of any User Created Content, even after receiving notice.  NCCO assumes no liability for any action or inaction with respect to conduct, communication, or User Created Content.  You are responsible for your interactions on the Site and for User Created Content.
      • You may not post User Created Content that: involves the transmission of junk mail, chain letters, or unsolicited mass mailing, instant messaging, spamming; contains restricted or password only access pages or hidden page or images (those not linked to or not otherwise from another accessible page); solicits passwords or personal identifying information for commercial or unlawful purposes from others; involves commercial activities and/or sales such as contests, sweepstakes, barter, advertising, or pyramid schemes; includes a photograph or video of another person that you have posted without that person’s consent; circumvents or modifies, or attempts to circumvent or modify, or encourages or assists any other person in circumventing or modifying, any security technology or software that is part of the Site; involves the use of viruses, bots, worms, or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware, or otherwise permit the unauthorized use of or access to a computer or a computer network; covers or obscures the banner advertisements on your personal profile page; involves any automated use of the Site, such as, but not limited to, using scripts to add friends or send comments or messages; interferes with, disrupts, or creates an undue burden on the Site; impersonates or attempts to impersonate another user, person or entity; uses the account, username, or password of another user at any time or discloses your password to any third party or permits any third party to access your account; sells or otherwise transfers your profile; uses any information obtained from the Site in order to harass, abuse, or harm another person or entity, or attempting to do the same.
      • You may upload to or otherwise submit to NCCO for distribution on the Site only: (a) User Created Content that is not subject to any copyright or other proprietary rights restrictions; or (b) User Created Content in which the owner or licensor has given express authorization for NCCO to distribute over the Internet.  You may not upload, embed, post, e-mail, transmit or otherwise make available any material that infringes any copyright, patent, trademark, trade secret or other proprietary rights of any person or entity.  NCCO is entitled to presume that all User Created Content conforms to the foregoing requirements.  You assume all liability for any damage resulting from any infringement of copyrights or proprietary rights, or from any other harm arising from an unauthorized submission or submission of User Created Content.  NCCO assumes no liability for any damage resulting from any infringement of copyrights or proprietary rights, or from any other harm arising from any User Created Content.
      • By submitting User Created Content within the Interactive Community, You automatically grant, or represent and warrant that the owner or authorized licensor of such User Created Content has expressly granted, NCCO, the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, publish, translate, sublicense, copy, modify, delete, enhance and distribute the User Created Content in whole or in part worldwide and/or to incorporate such User Created Content in other works in any form, media, or technology now known or hereafter developed for the full term of any copyright that may exist in such User Created Content.
  • WARRANTY.
    • NCCO reserves the right to change or modify product design or construction without prior notice and without incurring any obligation to make such changes or modifications to products previously sold.  Any warranty claim must be made promptly upon detection or occurrence of the problem.  NCCO will be responsible for the cost of return shipping of products when the reason for the return is product non-compliance with a User’s purchase order or for valid warranty claim, provided NCCO approves the mode of shipping in advance. 
    • RETURNED PRODUCTS: Product returns will be accepted at NCCO discretion, and subject to the following conditions.  No products shall be returned to NCCO without prior written authorization from NCCO (a “Return Material Authorization or RMA”), which form is required to be sent along with any returned product.  Any credit issued will be at the price charged, or prevailing price, if lower, less handling charges based on costs of reconditioning, boxing, etc., not to exceed 20% of the price charged on the invoice.  NCCO will not accept returns: (a) if the invoice relating to such products is unpaid; (b) the product is not in original condition; (c) for custom products; or (d) for service parts.  User will be responsible for the cost of return shipping of products for User’s convenience.  All returned products must be in their original packaging, be new and unused, and returned with all manuals and other written product information. 
    • DAMAGES OR SHIPMENT SHORTAGES: No deductions for damages or shipment shortages will be accepted by NCCO unless you have notified NCCO within fourteen (14) days of receiving the products and the NCCO has expressly approved any such deduction.  You are required to notify NCCO at cs@ncco.com and acct@ncco.com.  For damaged products, you agree to provide photographic evidence of damage to NCCO within fourteen (14) days of receiving the damaged product.  For shipments that are WILLCALL and picked up by a freight carrier selected by you, no deductions for damaged product can be taken.
  • DISCLAIMERS AND LIMITATION OF LIABILITY
    • DISCLAIMER OF WARRANTIES.
      • EXCEPT AS SET FORTH IN SECTION 12.1, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AND EXCEPT AS STATED IN THIS AGREEMENT, THE SITE AND PRODUCTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY REPRESENTATION OR WARRANTY WHATSOEVER, AND THE USE OF THE SITE IS AT YOUR SOLE RISK, AND NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, IS MADE THAT THE SITE OR ANY PRODUCTS WILL (AS APPLICABLE): (a) BE UNINTERRUPTED OR SECURE; (b) BE FREE OF DEFECTS, INACCURACIES OR ERRORS; OR (c) OTHERWISE MEET YOUR REQUIREMENTS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE HEREBY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OR CONDITIONS OF FITNESS FOR A PARTICULAR PURPOSE, LACK OF HIDDEN OR LATENT DEFECTS, SECURITY, MERCHANTABILITY, SATISFACTORY QUALITY, QUIET ENJOYMENT AND NON-INFRINGEMENT OR ARISING BY REASON OF CUSTOM OR USAGE IN THE TRADE OR BY COURSE OF DEALING.
      • NCCO IS NOT RESPONSIBLE FOR AND MAKES NO WARRANTIES, EXPRESS, OR IMPLIED, AS TO ANY, USER CREATED CONTENT.  USER CREATED CONTENT DOES NOT NECESSARILY REFLECT THE OPINIONS OR POLICIES OF NCCO.  NCCO IS NOT RESPONSIBLE FOR THE CONTENT, ACCURACY OR OPINIONS EXPRESSED ON ANY WEBSITES LINKED TO ON THE SITE, AND SUCH WEBSITES ARE NOT NECESSARILY INVESTIGATED, MONITORED OR CHECKED FOR ACCURACY OR COMPLETENESS BY NCCO.  INCLUSION OF ANY LINKED WEBSITE ON THE NCCO SERVICES DOES NOT IMPLY APPROVAL OR ENDORSEMENT OF THE LINKED WEBSITE BY NCCO.  YOUR ACCESS THESE THIRD-PARTY SITES AT YOUR OWN RISK.  NCCO IS NOT RESPONSIBLE FOR THE CONDUCT, WHETHER ONLINE OR OFFLINE, OF ANY USER OF THE NCCO SERVICES.
      • WE TAKE NO RESPONSIBILITY FOR THIRD-PARTY ADVERTISEMENTS OR THIRD-PARTY APPLICATIONS THAT ARE POSTED ON OR THROUGH OR MADE AVAILABLE ON THE NCCO SERVICES, AND, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DO NOT TAKE ANY RESPONSIBILITY FOR ANY GOODS OR SERVICES PROVIDED BY THIRD-PARTY ADVERTISERS ON THE NCCO SERVICES.
    • LIMITATION OF LIABILITY.
      • EXCLUSION OF DAMAGES.  TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NCCO WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST REVENUE, LOST OR CORRUPTED DATA, OR DAMAGE TO REPUTATION OR GOODWILL OR ANY CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE OR OTHER INDIRECT DAMAGES OR LOSSES ARISING FROM, RELATING TO OR CONNECTED WITH YOUR USE OF (OR INABILITY TO USE) THE SITE OR FOR ANY PRODUCT PURCHASED THEREON REGARDLESS OF THE CAUSE OF ACTION ON WHICH THE CLAIM IS BASED (INCLUDING NEGLIGENCE, TORT, CONTRACT, STRICT LIABILITY, PRODUCT DEFECT OR MISREPRESENTATION), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
      • IN THOSE JURISDICTIONS WHERE THE LIMITATION OF LIABILITY SET FORTH HEREIN ARE NOT ALLOWED BY LAW, IN THOSE JURISDICTIONS NCCO DISCLAIMS LIABILITY TO THE FULLEST EXTENT ALLOWED UNDER SUCH LAWS, BUT NOT LESS THAN DISCLAIMING LIABILITY FOR ANY DAMAGES RESULTING FROM THE SITE OR ANY PRODUCTS PURCHASES THEREON UNLESS SUCH DAMAGES ARE THE RESULT OF OUR NEGLIGENT OR RECKLESS ACTS OR OMISSIONS.
      • TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL OUR AGGREGATE LIABILITY RELATED TO THE SITES OR ANY PRODUCTS PURCHASED THEREON EXCEED US $100 IN TOTAL.
  • MISCELLANEOUS
    • Severability.  The provisions of these Terms of Use are intended to be severable.  If for any reason any provision of these Terms of Use shall be held invalid or unenforceable in whole or in part in any applicable jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability without in any manner affecting the validity or enforceability thereof in any other jurisdiction or the remaining provisions hereof in any jurisdiction.  The failure of NCCO to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision.
    • Applicable Law, Jurisdiction. 
      • For Users in the U.S.A.  This agreement shall be governed by the laws of the State of Minnesota without giving effect to its conflict or choice of law rules.  The parties hereto agree that the application of the United Nations Convention on Contracts for the International Sale of Goods to this agreement does not apply and is strictly excluded.  All disputes under these terms and conditions and all claims arising out of or related to this agreement shall be resolved by courts located in the State of Minnesota.  The parties agree and consent to the exclusive jurisdiction and venue of the federal and state courts in the State of Minnesota, and you waive any jurisdiction or venue defense otherwise available.
      • For Users in Canada.  This agreement shall be governed by the laws of the Province of Ontario without giving effect to its conflict or choice of law rules.  The parties hereto agree that the application of the United Nations Convention on Contracts for the International Sale of Goods to this agreement does not apply and is strictly excluded.  All disputes under these terms and conditions and all claims arising out of or related to this agreement shall be resolved by courts located in the Province of Ontario.  The parties agree and consent to the exclusive jurisdiction and venue of the provincial courts in the Province of Ontario and the Supreme Court of Canada, and you waive any jurisdiction or venue defense otherwise available.
    • Export.
      • Any software distributed by NCCO is “commercial computer software” or “commercial computer software documentation.”  The U.S. Government’s rights with respect to the Site are limited by these Terms and Conditions of Use, pursuant to FAR § 12.212(a) and/or DFARS § 227.7202-1(a), as applicable.  User agrees that by installing, copying, or otherwise using the Site that: (i) User does not reside in a country subject to embargo or export controls by the U.S. Government; (ii) User is not on the List of Denied Persons as published by the U.S. government; and (iii) User will not use the Site for any illegal purpose.  Because the Site, and related technical data are subject to U.S. export controls, User agrees that User shall not upload, export or “re-export” (transfer) the Site or any Content, including User Created Content, unless User has complied with all applicable U.S. export controls.
      • Sale or retransfer of products supplied by NCCO must comply with applicable laws restricting the export or re-export of those products (“Export Controls”), including all economic or financial sanctions and trade embargoes imposed, administered or enforced from time to time by the U.S. or EU government or other relevant sanctions authority with jurisdiction over the parties (“Sanctions Laws”).  You understand and agrees that with respect to products provided to you: (a) you will not export, re-export or otherwise transfer the products to: (i) a country, territory or person to which/whom such export, re-export or transfer is prohibited by applicable law, including without limitation Export Controls and Sanctions Laws; or (ii) to a country or territory that is itself the subject or target of comprehensive Sanctions Laws including U.S. Sanctions; and (b) you confirm that you are not acquiring the products for any military, nuclear, terrorist or missile end use or end user.
    • Additional Terms.  The following policies are incorporated into the Terms of Use: Privacy Policy
    • Acknowledgement.  The Terms of Use, including all documents referenced herein, represents the entire understanding between User and NCCO regarding User’s relationship with NCCO and supersedes any prior or contemporaneous statements or representations.  Headings used in the Terms of Use are for reference only and shall not affect the meaning of any terms.  As used in these Terms of Use, “including” means “including, without limitation.”
    • Modification.  These terms were last revised on 6/27/2022.  NCCO may modify these Terms and Conditions from time to time, and you agree to comply with any such modifications and agree to monitor these Terms of Use periodically for any updates.  Purchases of product may include additional terms and conditions provided by NCCO at the time of purchase, such as NCCO issued transaction forms and acknowledgments, which are incorporated into this agreement by reference.