my only regreat that i didn't do this surgery before sept. *
- Name: Marie
- Age: 55
- Surgery: Gastric Sleeve
- Surgery date: September 8th, 2016
- Testimonial date: December 4th, 2016
- Surgeon: Dr. Marcelo Hernandez
* Please read our Testimonial Disclaimer.
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PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE.
By using this website, you signify your agreement to these Terms and Conditions of Use ("Terms and Conditions" or "Terms"). You must agree to these Terms and Conditions of Use in order to use this Medical Tourism Agency, LLC ("MTA") website, WeightLossAgents.com. If you do not agree to all of these Terms and Conditions of Use, do not use this website!MTA is a limited liability company organized under the laws of the State of Delaware. The servers that host this website are located in the United States, and any personal details you provide us will be processed by MTA in the United States. For information about the way in which we use, process and share personal information that we may obtain about you, please refer to our Privacy Policy, available at https://www.weightlossagents.com/privacy.php. MTA expressly excludes any representation or warranty, express or implied, with respect to the information available on this website. MTA makes no representation about any third-party websites that may be accessed via links from this Website.
These Terms and Conditions of Use govern your access to and use of the MTA website including, without limitation, all content such as text, information, images, video and audio (collectively, "Content") and all services ("Services") made available to you through the MTA website (this website and the Content and Services are collectively referred to herein as this "Site") by MTA and/or third parties.
This Site incorporates proprietary intellectual properties, which are protected by copyright (including certain rights of patentability) and are maintained by MTA and/or its affiliates, as confidential and proprietary information to be used only in connection with these Terms and Conditions. This Site may provide access to additional information that may be of use to physicians and other health care providers. We have established the following terms that govern the use of this Site. By using this Site, you are agreeing to be bound by these terms. MTA may revise and update these Terms and Conditions at any time. Therefore, we encourage you to review this Site and these terms for any updates or changes on a periodic basis. Your present and subsequent use of this Site demonstrates your acceptance of these Terms and Conditions of Use.
BY USING THIS SITE, YOU AGREE TO BE BOUND BY THE TERMS, AND REPRESENT THAT YOU ARE OVER THE AGE OF 18 AND ABLE TO FORM LEGALLY BINDING CONTRACTS.
1. Disclaimer on Emergency Medical Conditions. DO NOT USE THIS SITE FOR MEDICAL EMERGENCY SERVICES. IN AN EMERGENCY, CALL 911 OR YOUR LOCAL EMERGENCY ASSISTANCE NUMBER.
2. Medical Disclaimers. THE CONTENT AVAILABLE THROUGH THIS SITE IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND IS NOT A SUBSTITUTE FOR THE PROFESSIONAL JUDGMENT OF A HEALTH CARE PROFESSIONAL IN DIAGNOSING AND TREATING PATIENTS. MTA DOES NOT GIVE MEDICAL ADVICE, NOR DOES IT PROVIDE MEDICAL OR DIAGNOSTIC SERVICES. ADDITIONALLY, THE USE OF THE CONTENT OBTAINED THROUGH THIS SITE DOES NOT ESTABLISH A PHYSICIAN-PATIENT RELATIONSHIP. Your reliance upon Content obtained by you at or through this Site is solely at your own risk. Always seek the advice of a physician or other qualified health care provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on this Site. MTA does not endorse or credential the services of health care providers listed on this site and MTA makes no representations or warranties about the type of services or quality of care of such health care providers. MTA is not a service that verifies and updates the licenses, accreditations, certifications or other permits and approvals of any health care provider.
Your reliance upon information and Content obtained by you at or through this Site is solely at your own risk. Neither we nor our Content providers assume any liability or responsibility for damage or injury (including death) to you, other persons or property arising from any use of any product, information, idea or instruction contained in the Content or Services provided to you.
3. Identification. Portions of this Site require a user identification and password to access and use. You are solely responsible for (a) maintaining the strict confidentiality of your user identification and passwords (collectively, "IDs") assigned to you; (b) any charges, damages, or losses that may be incurred or suffered as a result of your failure to maintain the strict confidentiality of your IDs; and (c) promptly informing us in writing at info@weightlossagents.com of any need to deactivate an ID due to security concerns. We are not liable for any harm related to the theft of your IDs, your disclosure of your IDs, or your authorization to allow another person or entity to access and use this Site using your IDs. You agree to immediately notify us of any unauthorized use of your IDs.
4. Description of Service. MTA is a healthcare services company based in the United States. Our services include: (a) medical tourism coordination - researching and connecting patients with qualified medical providers for surgical procedures domestically and internationally; and (b) telehealth coordination - operating a platform that connects patients with independent, licensed healthcare providers for remote consultations, and facilitating prescription fulfillment through licensed pharmacies when a provider determines treatment is medically appropriate. In both roles, we act as a coordination and administrative platform. All clinical decisions are made by independent, licensed healthcare providers.
5. Not A Medical Referral Service. MTA is not a medical provider. While we facilitate connections between patients and independent, licensed healthcare providers - including for telehealth consultations and prescription services - all clinical decisions, including whether to prescribe medication, are made solely by those providers. MTA does not practice medicine, make diagnoses, or control the clinical judgment of any provider. We do not endorse or guarantee the outcome of any consultation, treatment, or prescription. We encourage you to discuss all medical issues with your personal physicians and to seek in-person care when appropriate.
You agree to assume all responsibility in connection with choosing any health care provider for your desired treatment or procedure. We assume no responsibility or liability for any treatment or other Services rendered by any hospital, physician, or other health care provider, or for any malpractice claims and other claims that may arise directly or indirectly from any such advice, treatment or other Services.
6. Telehealth & Prescription Services. If you use our platform for telehealth-based prescription services, the following additional terms apply:
a. Coordination Platform. We operate a coordination platform that connects you with independent, licensed healthcare providers ("Providers") for telehealth consultations (including asynchronous and synchronous). We do not provide medical care, prescribe medications, or make clinical decisions. See our Telehealth Informed Consent for full details.
b. No Guarantee of Prescription. Submitting a questionnaire or completing checkout does not guarantee that a prescription will be issued. Providers may decline treatment for any clinical reason.
c. Payment Authorization. When you complete a purchase, your payment method is authorized (not charged) for the treatment amount. You will only be charged if and when a Provider approves your prescription and it is submitted for fulfillment. If a Provider declines to prescribe, the authorization will be released.
d. Prescription Fulfillment. Prescriptions are fulfilled by licensed pharmacies, which may include compounding pharmacies. Medications are patient-specific and dispensed pursuant to individual prescriptions. You agree that medications ordered through this platform will be used only by the patient for whom they are prescribed.
e. Availability & Pricing. All medications offered through this platform are subject to availability at the time of order fulfillment. Inventory levels may fluctuate, and certain products may become unavailable without prior notice. Pricing is likewise subject to change at any time due to market conditions, vendor adjustments, or regulatory factors. Final pricing and availability are confirmed when your order is processed.
f. Compounded Medications. Some medications available through our platform are compounded preparations - custom-prepared by pharmacies pursuant to provider prescriptions. Compounded medications are not FDA-approved products and are not evaluated by the FDA for safety or efficacy. They are prepared in accordance with applicable pharmacy compounding regulations and standards.
g. No Returns or Refunds on Prescription Products. Once a prescription medication has been dispensed and shipped, it cannot be returned to stock per pharmacy regulations. All prescription sales are final. This includes compounded and commercially available medications. If you receive a damaged or incorrect shipment, you must notify us within 24 hours of delivery with photographic documentation.
h. No Insurance Reimbursement. Compounded medications and telehealth consultation services provided through this platform are not covered by private health insurance, government programs, or third-party payors. You agree that you will not submit claims for reimbursement to any insurer or third-party payor for medications or services obtained through this platform.
i. Recurring Subscriptions. Certain treatment plans involve recurring billing. When you enroll in a subscription plan, you authorize us to charge your payment method on a recurring basis at the interval and amount specified at checkout. You may cancel a subscription at any time through your Patient Portal, but cancellation will not entitle you to a refund for any medication already dispensed or in preparation.
j. Delivery. Medications are shipped to the address you provide. You are responsible for ensuring that an adult is available to receive and sign for the package, and for storing medications according to the instructions provided. We are not responsible for delivery failures due to an incorrect address, refused delivery, or failure to sign.
k. Storage & Handling. Certain medications require specific storage conditions (e.g., refrigeration). You are responsible for storing medications as directed on the label. We are not responsible for medication degradation due to improper storage after delivery.
l. Beyond-Use Dates. Compounded medications have a Beyond-Use Date (BUD) calculated from the date of compounding. You are responsible for using medications within their stated BUD and must not use any medication past its expiration or beyond-use date.
7. Confidentiality. You agree that MTA, and all other persons or entities involved in the operation of Services provided through this Site, has the right to monitor, retrieve, store and use confidential health information in connection with the operation of such Services, and are acting on your behalf in transmitting confidential health information. We will use commercially reasonable efforts to maintain the confidentiality of such information and prevent the disclosure of such information to third parties except (a) in connection with the transmission, storage, retrieval, and disclosure of such information on your behalf, (b) in connection with the transmission, storage, retrieval, and disclosure of such information to health care professionals involved in your treatment, (c) as may be required or permitted by law, or (d) as otherwise provided in our Privacy Policy.
8. User Information.
a. Information Collected. You agree that MTA may collect the following information.
i. If you only browse this Site: MTA may collect the following information about you: your country, IP address, server host, operating system, Internet browser, the name of the domain from which you access the Internet (for example, gmail.com, if you are connecting from a Gmail account), date and time you access this Site, and the Internet address of the website from which you linked directly to this Site; and other Internet routing information. The information collected is used to measure the number of visitors to the different sections of this Site, and to assist us in making this Site more useful to visitors. MTA will not knowingly make any of the foregoing information we collect available to anyone else.
ii. If you register or purchase a Service: MTA will collect your full name, financial information in the form of a credit card number and expiration date, for payment of fee. Additionally, we may collect financial applications, copies of cashiers' checks or other financial instruments, or any other form of personal information required to arrange for processing your payment. We also collect your telephone number so we may contact you regarding your account, your Services, and other related matters.
b. Change/Modify. You may change any information previously provided to MTA. To make or inquire about such changes, send an e-mail to info@weightlossagents.com.
c. Text Messaging Consent. By providing your telephone number to MTA, you consent to receive SMS or MMS text messages from MTA and its agents at that number. These messages may include, but are not limited to, updates regarding your account, scheduling information, customer service communications, promotional messages, prescription and treatment notifications, telehealth consultation updates, and notifications related to your Services. Message and data rates may apply. Message frequency may vary.
You understand and agree that:
i. Consent to receive text messages is not a condition of purchasing any goods or Services;
ii. You may opt out of receiving text messages at any time by replying “STOP” to any message we send; and
iii. MTA is not responsible for any delays or failures in the receipt of any text messages, as delivery is subject to the effective transmission from your mobile service provider.
Your mobile service provider’s standard messaging and data rates may apply to any text messages you send or receive.
9. Security. The security of your personal information is very important to us. None of your personal information can be legally accessed or released without your consent except as discussed in these Terms and Conditions of Use and our Privacy Policy. All such information is stored in a secured database and all reasonably prudent efforts are made to assure that same is accessible only by you and health care professionals who are involved in your treatment.
10. User Submissions. The personal information you submit to MTA is governed by the MTA Privacy Policy. If there is any inconsistency between these Terms and Conditions of Use and the MTA Privacy Policy, these Terms and Conditions of Use shall control.
11. Minors Prohibited.
a. MTA is for use by adults only. If you are not over 18 years of age, do not use this Site.
b. MTA is committed to protecting the privacy of children. You should be aware that this Site is not for or designed to attract children. We do not collect personally identifiable information from any person we actually know is a child.
12. Copyright, Ownership and Use. All of the Content on this Site, including all text, photographs, graphics, images, videos, format, and other expressions is the property of MTA, or the suppliers of Content. All of the above is protected by U.S. and international copyright laws. ANY UNAUTHORIZED OR UNAPPROVED USE OF ANY OF THE CONTENT CONSTITUTES COPYRIGHT INFRINGEMENT AND SUBJECTS YOU TO ALL CIVIL AND CRIMINAL PENALTIES PROVIDED FOR UNDER DOMESTIC AND INTERNATIONAL COPYRIGHT LAWS AND TREATIES. A user of this Site may only use the Content for accessing and understanding such information for individual and personal use. No one may copy, make any reproduction or modification or any derivative work of the foregoing, and may not republish or display any of same, nor may any of same be linked to any other website unless such website provides acknowledgment of ownership of same in MTA or its third party suppliers or licensors.
13. Compliance with the Digital Millennium Copyright Act. MTA respects the rights of all copyright holders and in this regard, we have adopted and implemented a policy that provides for the termination in appropriate circumstances of users of this website who infringe the rights of copyright holders. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent the following information required by the Digital Millennium Copyright Act, 17 U.S.C. Section 512:
a. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
b. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works;
c. Identification of the Content that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and the information reasonably sufficient to permit MTA to locate the Content;
d. Information reasonably sufficient to permit MTA to contact the complaining party;
e. A statement that the complaining party has a good faith belief that the use of the Content in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
f. A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
For copyright inquiries under the Digital Millennium Copyright Act, please contact MTA's Copyright Agent at:
privacymatters@weightlossagents.com
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15. Content. The Content contained on this Site is provided by MTA or under license by third parties as a service to the users of this Site. This Site and the information, Services and materials contained on this Site are provided on an "as is" basis. You agree that the use of this Site is at your sole risk. Neither MTA nor any of its affiliates warrant that the information on this Site is accurate, reliable or current. Additionally there are no warranties as to results that may be obtained from the use of this Site. Rather, the information provided is for informational and educational purposes only. It is not a substitute for advice from physicians or other health care providers. Any specific medical questions that you, the user, may have relating to a medical condition, care or treatment or diagnosis should be presented to your physician or health care provider.
16. Advertisements and Links to Other Websites. This Site may contain advertisements placed by or on behalf of third parties. These advertisements may contain links to other websites. MTA may occasionally provide links on its Site to third party websites, including a link to PayPal or other Payment Providers for the purpose of making payments for Services. These links connect you with other websites that are maintained by other parties over whom MTA has no control. These links are provided only as a convenience to you, and MTA does not assume any responsibility for nor endorse such other websites. UNLESS EXPRESSLY STATED BY US, MTA DOES NOT RECOMMEND OR ENDORSE PARTICULAR PRODUCTS, SERVICES OR WEBSITES OF ANY THIRD PARTIES OR MAKE ANY DETERMINATION WHETHER ANY SUCH PRODUCT, SERVICE, OR WEBSITE MAY BE EITHER NECESSARY OR APPROPRIATE FOR YOU OR FOR THE USE IN RENDERING CARE TO PATIENTS.
17. Customer Satisfaction. MTA is committed to customer satisfaction. We attempt to provide access to educational information about medical conditions and treatment options with minimum interruption. Notwithstanding any provision in these Terms and Conditions to the contrary, you agree as follows:
a. Disclaimer of Warranty. THIS SITE AND THE INFORMATION, SERVICES AND MATERIALS CONTAINED ON THIS SITE ARE PROVIDED ON AN "AS IS" BASIS AND YOUR USE OF THIS SITE IS AT YOUR OWN RISK. MTA AND ITS AFFILIATES MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT, OR WARRANTIES ARISING BY COURSE OF DEALING OR CUSTOM OF TRADE. NEITHER MTA NOR ITS AFFILIATES WARRANT THAT THE INFORMATION ON THIS SITE IS ACCURATE, RELIABLE OR CURRENT. NEITHER MTA NOR ANY OTHER CONTENT PROVIDERS MAKE ANY WARRANTY OR REPRESENTATION, EXPRESS OR IMPLIED, AS TO THE ACCURACY OF THE DATA FROM WHICH THE INFORMATION IS COMPILED OR THE ACCURACY OF THE INFORMATION ITSELF, NOR THE COMPATIBILITY OF THE INFORMATION WITH ANY HARDWARE AND SYSTEMS. MTA ALSO MAKES NO REPRESENTATIONS OR WARRANTIES THAT YOUR ACCESS TO AND USE OF THIS SITE (1) WILL BE UNINTERRUPTED OR ERROR-FREE, (2) IS FREE OF VIRUSES, UNAUTHORIZED CODE, OR OTHER HARMFUL COMPONENTS, OR (3) IS SECURE. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS YOU BELIEVE NECESSARY OR ADVISABLE TO PROTECT YOU AGAINST ANY CLAIM, DAMAGE, LOSS OR HAZARD THAT MAY ARISE BY VIRTUE OF YOUR USE OF THIS SITE. MTA AND ANY THIRD-PARTY SUPPLIER ASSUME NO RESPONSIBILITY FOR ANY PRODUCT, BRAND, METHOD, INFORMATION OR SERVICES ON THIS SITE IN ANY WAY, AND THERE IS NO WARRANTY OR ANY ASSURANCE THAT THE PRODUCTS OR SERVICES CONTAINED OR DESCRIBED ON THIS SITE WILL SATISFY ANY REQUIREMENTS THAT YOU MAY HAVE. BY USING THIS SITE, THE USER ACKNOWLEDGES THAT IT IS AT THE USER'S SOLE RISK AND THE USER ASSUMES FULL RESPONSIBILITY FOR ALL RISK ASSOCIATED WITH USE OF THIS SITE.
WITH RESPECT TO PRESCRIPTION MEDICATIONS AND TELEHEALTH SERVICES: MTA MAKES NO EXPRESS OR IMPLIED WARRANTIES AS TO ANY COMPOUNDED PREPARATIONS, COMMERCIALLY AVAILABLE MEDICATIONS, OR TELEHEALTH CONSULTATION OUTCOMES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL CLINICAL DECISIONS ARE MADE BY INDEPENDENT PROVIDERS, AND ALL MEDICATIONS ARE PREPARED AND DISPENSED BY INDEPENDENT LICENSED PHARMACIES. MTA SHALL NOT BE LIABLE FOR ANY ADVERSE REACTIONS, SIDE EFFECTS, OR OUTCOMES RESULTING FROM MEDICATIONS PRESCRIBED BY PROVIDERS OR PREPARED BY PHARMACIES, NOR FOR ANY PROVIDER'S DECISION TO PRESCRIBE OR DECLINE TO PRESCRIBE TREATMENT.
b. NEITHER MTA NOR ITS AFFILIATES NOR ANY THIRD PARTY SUPPLIER CAN BE ASSURED THAT THE USER, IN USING THIS SITE, HAS SELECTED AN APPROPRIATE SERVICE PROVIDER. AGAIN, YOU SHOULD USE THIS SITE FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND SHOULD DIRECT ANY FURTHER INQUIRIES TO A PROFESSIONAL HEALTH CARE PROVIDER. Some jurisdictions do not permit the exclusion or limitation of implied warranties. Therefore, only if required by applicable law, some or all of the exclusions or limitations above may not apply to you. You may have other rights from jurisdiction to jurisdiction.
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d. Limitation on Liability. IF, NOTWITHSTANDING THE OTHER TERMS OF THIS AGREEMENT (OR ANY OTHER AGREEMENT BETWEEN YOU AND US), WE (OR OUR CONTENT PROVIDERS OR OTHERS ASSOCIATED WITH THIS SITE) SHOULD HAVE ANY LIABILITY FOR ANY LOSS, HARM OR DAMAGE, YOU AND WE (ON BEHALF OF OURSELVES AND OUR CONTENT PROVIDERS AND OTHERS ASSOCIATED WITH THIS SITE) AGREE THAT SUCH LIABILITY SHALL UNDER NO CIRCUMSTANCES EXCEED THE GREATER OF $1,000 OR THE TOTAL AMOUNT PAID BY YOU TO MTA IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM. YOU AND WE (ON BEHALF OF OURSELVES AND OUR CONTENT PROVIDERS AND OTHERS ASSOCIATED WITH THIS SITE) AGREE THAT THE FOREGOING LIMITATION OF LIABILITY IS AN AGREED ALLOCATION OF RISK BETWEEN YOU AND US (AND OUR CONTENT PROVIDERS AND OTHERS ASSOCIATED WITH THIS SITE) AND REFLECTS THE FEES, IF ANY, WE CHARGE YOU TO USE THIS SITE, THE SERVICES AND THE CONTENT. YOU ACKNOWLEDGE THAT ABSENT YOUR AGREEMENT TO THIS LIMITATION OF LIABILITY, WE WOULD NOT PROVIDE THIS SITE, THE SERVICES OR THE CONTENT TO YOU.
18. Foreign Access or Use. MTA makes no claim that this Site is appropriate for access or use outside the United States. Your access and/or use of this Site outside the United States are at your own risk, and you are responsible for compliance with the laws of your jurisdiction.
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20. Termination. Your right to access and use this Site immediately terminates without further notice upon your breach of these Terms and Conditions of Use. MTA may terminate theses Terms and Conditions and/or your right to use this Site at any time, with or without cause. MTA reserves the right to discontinue or make changes to this Site at any time.
21. Assignment. MTA may assign these Terms and Conditions of Use, in whole or in part, in its sole discretion. You may not assign your rights under these Terms and Conditions without the prior written permission of MTA. Any attempt by you to assign your rights under these Terms and Conditions of Use without the permission of MTA shall be void.
22. Waiver. The waiver by MTA of a breach of any provision of these Terms and Conditions of Use shall not operate or be construed as a waiver of any other or a subsequent breach of the same or a different kind.
23. Severability. If any provision of these Terms and Conditions of Use shall be held by a court of competent jurisdiction to be contrary to law, the remaining provisions of these Terms and Conditions of Use shall remain in full force and effect.
24. Governing Law. This Site is controlled under the laws of the State of Delaware and the United States of America. Any claim relating to this Site or Services provided through this Site will be governed by the laws of the State of Delaware, without giving application to the conflicts of laws provisions thereof.
25. Entire Agreement. These Terms and Conditions of Use contain the entire agreement between you and MTA relating to the subject matter hereof, and supersede any other oral or written communications relating thereto. These Terms and Conditions of Use may not be amended or supplemented by (a) any purchase order or similar form originated by you relating to the subject matter hereof, or (b) statements of any MTA employees. MTA reserves the right to make changes to these Terms and Conditions of Use at any time without advance notice. MTA agrees to post all amended forms of these Terms and Conditions of Use on this Site and such amended forms shall be effective immediately upon its posting. Your continued use of this Site subsequent to MTA's posting of amended forms of these Terms and Conditions of Use shall constitute your acceptance of the modified Terms and Conditions of Use. It is at all times your responsibility to read the most current form of these Terms and Conditions of Use before using this Site to ensure that you agree to the terms and conditions of any amendments made to these Terms and Conditions of Use. You agree that these standards for notice of amendments to these Terms and Conditions of Use are reasonable.
26. Miscellaneous Information. You agree to use this Site for legal and proper purposes. If you no longer agree to be bound by these Terms and Conditions, you agree to immediately cease use of this Site.
27. Acceptance of Terms and Conditions. You acknowledge that the provisions, disclosures and disclaimers set forth above are fair and reasonable and your agreement to follow and be bound to them is not the result of fraud, duress or undue influence exercised upon you by any person or entity. There are no representations, promises, warranties or undertakings by MTA contrary to those set forth above. Depending on publishing context, by either clicking on the button marked "accept", or by clicking on the checkbox marked to indicate acceptance, you acknowledge that you have reviewed and agree to all of the above provisions, disclosures and disclaimers.