SIGNING UP FOR SKRUMBLE’S VOIP SERVICE CREATES A CONTRACT BETWEEN YOU AND US, CONSISTING OF THE ORDER, THE APPLICABLE SERVICE DESCRIPTION AND THIS AGREEMENT. ANY ONE OF THE FOLLOWING ACTIONS CONSTITUTES YOUR ACCEPTANCE AND AGREEMENT TO BE BOUND BY THESE TERMS AND CONDITIONS: (1) ACCEPTING THE TERMS AND CONDITIONS ELECTRONICALLY DURING THE ORDERING PROCESS AND/OR UPON LOGGING ON TO USE YOUR BROADBAND PHONE SERVICE, (2) YOUR SUBMISSION OF AN ORDER, (3) YOUR USE OF THE SERVICE DESCRIBED HEREIN. THROUGH THESE ACTIONS YOU ARE AGREEING TO BE BOUND BY THE TERMS OF THIS AGREEMENT AND ALL TERMS AND CONDITIONS INCORPORATED BY REFERENCE IN THIS AGREEMENT.

1. INTRODUCTION. SKRUMBLE™ Service Terms and Conditions, together with any operating rules, policies, price schedules, or other supplemental documents incorporated herein by reference and published from time to time (collectively, the “Agreement”), constitutes the entire agreement between SKRUMBLE TECHNOLOGIES Inc., an Ontario corporation (hereinafter referred to as “we,” “us” or “Skrumble”) and the party set forth in the related registration order form (herein after referred to as “you,” “user” or “Customer”) regarding SKRUMBLE’s Service (as defined herein), and supersedes all prior agreements, discussions and writings between the parties regarding the subject matter of this Agreement. For purposes of this Agreement, the term “SKRUMBLE” include our respective subsidiaries, affiliates, agents, employees, predecessors in interest, successors, attorneys and any other service provider that furnishes services or devices to you in connection with this agreement.

2. DEFINITION OF SERVICE. SKRUMBLE Broadband Phone Service is an enhanced voice communication service that uses a data network (like the Internet) to transport voice communications that have been converted into data packets. For purposes of this Agreement, the term “Service” shall mean SKRUMBLE Broadband Phone Service, including all other features, products and services provided by SKRUMBLE under the pricing plan that you have selected. For purposes of this Agreement, “Device” shall mean a SKRUMBLE-provided telephone, personal phone, telephone adapter (“Adapter”), or router.

3. REVISIONS TO TERMS AND PRICING. From time to time, we may revise the terms and conditions of this Agreement (including, without limitation, any of the policies incorporated by reference) and the pricing (except during the term of a Minimum Commitment Contract) for the service. Notice of revisions to the Agreement or pricing shall be posted on the SKRUMBLE Website (“the Website”) and deemed given and effective on the date posted to the Website. If you do not agree to the revision(s), you must terminate your service immediately, subject to the Termination provisions provided in this Agreement. By continuing to use the Service after revision(s) are in effect, you hereby accept and agree to all such revisions.

4. CUSTOMER REPRESENTATIONS. You represent and warrant that your primary residence or business address is in the United States or Canada. You represent and warrant that you are at least eighteen (18) years of age or the age of majority in the country, state or province in which you reside, and that you possess the legal right and ability to enter into this Agreement. You represent and warrant that your name, user name, contact information and registered location are true and correct and if for business use, you are authorized to act on behalf of your company. You understand that SKRUMBLE relies on the information you supply and that providing false or incorrect information may result in service provisioning and delivery delays, the suspension or termination of your service and the inability of a 911- dialed call to be correctly routed to emergency service personnel, as further explained below. You agree to promptly notify SKRUMBLE whenever your personal or billing information changes (including, but not limited to, your name, address, e-mail address, telephone number, and credit card information). You agree to be financially responsible for your use of the Service as well as for use of your account by others.

5. USE OF SERVICE AND DEVICE.

5.1 Business Plans. Service is provided to you as a business user, for your business and home office use. This means that you are not using it for any personal, residential, nonbusiness and nonprofessional purpose. This also means that you are not to resell or transfer the Service to any other person for any purpose or make any charge for the use of the Service, without express written permission from SKRUMBLE in advance. SKRUMBLE reserves the right to immediately terminate, change the calling plan or modify the Service if SKRUMBLE determines, in its sole discretion, that you are using the Service for non business or non-commercial use.

5.2 User Responsibility. You agree that you are responsible for all use(s) related to your account. You understand this means that you accept full liability and responsibility for your actions or the actions of anyone who uses the Service via your account with or without your permission. You acknowledge that SKRUMBLE will be sending you information, including your Password, via e-mail over the Internet. You agree that the Internet is not a secure network and that third parties may be able to intercept, access, use or corrupt the information and telephone calls you transmit over the Internet. In order to maintain the security of your Service, you should safeguard your User IDs and Passwords, as well as the media access control (MAC) address of the Adapter. The MAC address is one of the pieces of information used by SKRUMBLE to authenticate customer calls and should not be shared.

5.3 Use of Service and Device by Customers outside the continental United States and Canada. While SKRUMBLE encourages use of the Service within the United States and Canada to other countries, SKRUMBLE does not presently offer or support the Service to customers located in any countries other than Canada the continental United States (not including Hawaii or Alaska). SKRUMBLE’s Services are only for use by persons or entities whose primary residence or business address is in the United States or Canada. SKRUMBLE’s Services are designed to work generally with unencumbered high-speed internet connections. However, if the highspeed internet connection you are using is outside the United States or Canada and/or your ISP places restrictions on the usage of VoIP services, SKRUMBLE does not represent or warrant that use of the Service by you is permitted by any other jurisdictions or by any or all the ISPs. If you remove the Device to a country other than the United States or Canada or use the Service from there, you do so at its own risk, including the risk that such activity violates local laws in the country where you do so. You will be solely responsible for any violations of local laws and regulations or violations of ISP terms of service resulting from such use. You also agree to indemnify us for any claims, damages or expenses resulting from your use of the Services outside of the United States or Canada. SKRUMBLE reserves the right to disconnect Services immediately if SKRUMBLE determines, in its sole and absolute discretion that you have used the Service or the Device in violation of applicable laws, including without limitation laws of jurisdictions outside the United States or Canada. You are solely liable for any and all use of the Service and/or Device by any person making use of the Service or Device provided to you.

5.4 Account Ownership. The owner of the account under which the Services are ordered shall be the legal entity (e.g., corporation, partnership, individual) that signs up for the Services with SKRUMBLE. If no legal entity is provided upon sign-up, the account owner shall be the owner of the credit card used to open such account. Subsequent changes to ownership must be supported by appropriate legal documentation. SKRUMBLE shall not adjudicate ownership-related disputes, or any other internal business dispute. If SKRUMBLE is unable to determine the valid owner of the account, SKRUMBLE reserves the right to suspend or terminate the account and Services.

6. LOCAL NUMBER PORTABILITY. In the event you are transferring an existing phone number that currently is subscribed to another carrier, the following terms and conditions apply:

6.1 Authorization. You hereby authorize SKRUMBLE to process your order for the Service and to notify your local service provider of your decision to switch your local services to SKRUMBLE and to transfer your telephone number, and represent that you are authorized to take these actions. You may be required to complete a letter of authorization, provide us with a copy of your most recent bill from your service provider, as well as provide us with any other information required by your service provider to port your number. Failure to provide any information requested by SKRUMBLE or the third party services provider will delay the porting of the number to SKRUMBLE. SKRUMBLE shall not be responsible for any delay in the port of your number and will not provide credit for any such delays.

6.2 Activation. You agree and acknowledge that you must install and activate your Device prior to the date that the number switch becomes effective. You will be assigned a temporary telephone number until your transfer is completed. You may place and receive calls using this temporary number until such time as your phone number is transferred. The activation process will may take several days and we are not responsible for any lost business or transitions during this process.

6.3 Limitation. SKRUMBLE has the right to refuse to import a number if, in its sole discretion, it does not have the infrastructure to support the number.

7. SERVICE DISTINCTIONS. You acknowledge and understand that the Service is not a telephone service, and we provide it on a best efforts basis. Important distinctions exist between telephone service and the enhanced Service offering provided by SKRUMBLE. The Service is subject to different regulatory treatment than telephone service. This treatment may limit or otherwise affect your rights of redress before Federal and State telecommunications regulatory agencies or judicial forums. Events beyond our control may affect our service, such as power outages, fluctuations in the internet, your underlying ISP or broadband service, or maintenance. We will act in good faith to minimize disruptions to your use of and access to our service.

7.1. EMERGENCY SERVICES - 911 DIALING. You acknowledge and understand that SKRUMBLE 911 dialing is different than traditional 911 service. See complete 911 disclosure posted on our Web site at www.SKRUMBLE.com. YOUR SERVICE WILL NOT BE ACTIVATED UNTIL SKRUMBLE RECEIVES AN AFFIRMATIVE ACKNOWLEDGMENT THAT YOU HAVE READ AND UNDERSTOOD SKRUMBLE’S 911 DISCLOSURE AGREEMENT.

7.2. No 0+ or Operator Assisted Calling; May Not Support X11 Calling. You acknowledge and understand that the Service does not support 0+ or operator assisted calling, including, without limitation, collect calls, third party billing calls, 900, calling card calls or dialaround calls. Our Service may not support 311, 511, and other x11 services in one or more service areas.

7.3. No Directory Listing. The phone numbers you get from us will not be listed in any telephone directories. However, any phone numbers you transfer from your local phone company may be listed.

7.4. Incompatibility with Other Services.

7.4.1. Non-Voice Equipment Limitations. You acknowledge and understand that the Service is not compatible with all non-voice communications equipment, including but not limited to, some home and office security systems that are set up to make automatic phone calls, emergency phones in elevators, some aspects of satellite TV systems, digital entertainment systems, fax machines, modems and medical monitoring devices. By accepting this Agreement, you waive any claim you may have against SKRUMBLE for interference with or disruption of such systems due to the Service.

7.4.2. Certain Broadband, Cable Modem, and Other Services. There may also be other services with which our Service may be incompatible. Some providers of broadband service may provide modems that prevent the transmission of communications using the Service. We do not warrant that the Service will be compatible with all broadband services and expressly disclaim any express or implied warranties regarding the compatibility of the Service with any particular broadband service.

7.5 Use Outside of the continental United States and Canada. As previously noted there are limitations with the Service’s access to 911. SKRUMBLE’s Service does not provide access to emergency services in any country outside of the United States and Canada. SKRUMBLE disclaims any obligation to provide you with access to emergency services in any jurisdiction other than the United States and Canada.

8. LENGTH OF SERVICE.

8.1. Service Term. We provide the Service for the term that you have signed up for. Your term begins on the date you first ordered service (the “Subscription Date”), or the date we successfully process your payment, whichever is later. It is not the day you receive the device you ordered or the first time you use the Service. You are purchasing the Service for the full service term as set forth in the Order.

8.2. Automatic Renewal. SKRUMBLE shall automatically renew the Service for the same term on your Subscription Date unless you cancel your Service before the end of the current service term. See “Termination of Service” Section 8.4. The renewal begins on the day after the last day of your term. The renewal will be charged to your payment method (credit card) on file, which may include any payment method automatically updated by your issuing bank. If your credit card is declined, invalid, or payment is not made by the issuer of your credit card on your Subscription Date, without further notice SKRUMBLE reserves the right to automatically recharge the payment method until payment is received, the payment method is updated, or the Service is discontinued for nonpayment.

8.3. Our right to disconnect. We have the right to suspend or discontinue service generally, or to disconnect the Service, at any time. In addition, we reserve the right to immediately disconnect the Service at any time without notice due to non-payment or unlawful or inappropriate use of the Service.

8.3.1. All charges owed at the time of disconnection will be immediately payable. We will pursue collection for unpaid amounts on disconnected accounts and may report these unpaid charges to credit bureaus.

8.4. Termination of Service. In order to terminate the Service, contact our Customer Care Department, via email at service@SKRUMBLE.com or by calling 1-888-898-8826 prior to expiration of the current service term. Please refer to the SKRUMBLE Cancellation Policy posted on our Web site at SKRUMBLE.com.

9. DEVICES.

9.1. Ownership and Risk of Loss. You will own the device and bear all the risk of loss, theft, or damage regardless of the payment schedule selected for Services and Devices. Minimum Commitment Contracts for Services and Devices may include early termination fees. Returns of non-defective Devices outside of the initial 30 day moneyback guarantee period will not be accepted.

9.2. Promotional Devices. Devices included in a service offering at no charge may be previously used equipment. Unless otherwise provided in a Minimum Commitment Contract, Devices not returned upon cancellation of the Service will be charged to the customer. See Cancellation policy for details.

9.3 Replacement of a Defective Device. Devices purchased from SKRUMBLE will be covered by their respective factory warranties only. SKRUMBLE does not offer any warranty in addition to, or in replacement of any factory warranties. Prior to returning the equipment, you must contact SKRUMBLE at support@SKRUMBLE.com so that SKRUMBLE may determine whether a defect exists and to receive an RMA number, which is required along with the return. You must ship the equipment to the manufacturer at the address provided by SKRUMBLE in accordance with all RMA procedures. You have 7 days after receipt of an RMA to ship the equipment back to the manufacturer at the address we provide. You must pay all shipping fees. Once the manufacturer has received the equipment, a replacement will be sent to you. If an advance replacement is provided and the factory has not received the defective Device within 14 days or it was not in a returnable condition, (original carton, all packing materials and parts in the same condition in which you received them), then SKRUMBLE will charge you for the second device or for the missing parts.

9.4. Receipt of damaged Devices. If you receive cartons or Devices that are visibly damaged, you must note the damage on the carrier’s freight bill or receipt and keep a copy. You must also keep the original carton, all packing materials, and parts in the same condition in which you received them from the carrier. You must then contact our Customer Care Department immediately at support@SKRUMBLE.com for return instruction.

9.5. Tampering with the Device. You may not change the electronic serial number or equipment identifier of your Device or perform a factory reset of your Device without first getting our written consent.

10. FEES AND CHARGES.

10.1. We will publish fees and charges on our Web site. These fees and charges may change from time to time (except during the term of a Minimum Commitment Contract). New pricing will be effective the next day following posting to the Web site and may be applied to renewals of existing services. We may introduce new products and services at special introductory pricing. Introductory pricing will not be applied retroactively to existing services and may be applied for only limited periods of time. At our discretion, we may change introductory pricing. Certain service charges, such as Regulatory Recovery Fees, Universal Service Fund fees, and E911 fees, are subject to change from time to time and are applicable to ALL Customers regardless of a Minimum Commitment Contract.

10.2. Billing increments. All billing policies are defined by the specific package the customer chooses. Please refer to the Web site for exact billing policies. Any such additional service provided beyond the scope of the original package will be charged in conjunction of the prices listed on the Skrumble website.

10.3. Taxes. The customer is responsible for taxes on the services for their company, and shall pay are any applicable federal, state, municipal, local or other governmental sales, use, excise, Universal Service Fees, value-added, personal property, public utility and other taxes, fees and charges now in force or enacted in the future, that arise from or as a result of Customer’s subscription or use or payment for the Service or a Device. Such amounts are in addition to payment for the Service or Device and will be billed to you. If Customer is exempt from payment of such taxes, you will provide SKRUMBLE with an original government-issued certificate attesting to tax-exempt status. Tax exemption will only apply from and after the date SKRUMBLE receives such certificate.

10.4. Charges for Directory Calls (411). We will charge you $1.25 for each call you make to a SKRUMBLE directory assistance.

10.5. Charges for calls from Public Payphones. We reserve the right to charge you for any tolls or fees resulting from calls you receive from public payphones.

10.6. Activation Fee. One-time activation fees and any other installation fees that may apply are specified on the Web site and vary by product and plan chosen.

10.7 Regulatory Recovery Fee. A Regulatory Recovery Fee shall be charged monthly to offset costs incurred by SKRUMBLE in complying with inquiries and obligations imposed by federal, state and municipal regulatory bodies/governments and the related legal and billing expenses. This fee is not a tax or charge required or assessed by any government. The Regulatory Recovery Fee may apply to every phone number assigned, including toll free and virtual numbers.

10.8 Reinstatement Fee. Reinstating any service deactivated for non-payment of fees shall result in a reinstatement fee up to $25.

11.BILLING AND PAYMENT.

11.1. Billing. We will charge you in advance for each term of service. If you have selected a free trial offering, we will commence charging you for the Service at the expiration of the free trial period, unless we are notified of the contrary. When you subscribe to the Service, you must give us a valid email address and a payment method (credit card) that we accept. We reserve the right to stop accepting your payment method or your payments. You must advise us at once if your payment method expires, you close your account, your billing address changes, your email address changes, or your payment method is cancelled and replaced on account of loss or theft. Except for usage-based charges, we will bill in advance to your payment method all charges, fees, taxes, and surcharges for each service term. We will bill monthly as due immediately usage-based charges and any other charges which we decide to bill as due immediately. Bills will be posted to the customer portal and emailed to the email address on record.

11.2. Payment. When you subscribe to the Service, you authorize us to collect from your payment method. This authorization will remain valid until thirty (30) days after you terminate our authority to charge your payment method.

11.3. Collection. If we disconnect the Service, you will remain liable to us for all charges under this agreement and all the costs we incur to collect these charges, including, without limitation, collection costs and attorney’s fees. You also agree to pay any additional charges or fees applied to your billing account for any reason, including but not limited to, interest and charges due to insufficient credit.

11.4. Notices. You understand that it is difficult for us to distinguish between credit and debit cards. You agree to waive your rights under Regulation E to receive ten (10) days advance notice from us regarding the amount that we will debit from your account. While we may send you messages about your billing from time to time, we are not obligated to do so. We may change or cease our messages at any time without notice to you.

11.5. Billing Disputes. You must notify SKRUMBLE in writing within seven (7) days after receiving your credit card statement or from the time funds are debited from your bank account if you dispute any SKRUMBLE charges on that statement or that have been debited from your account, or such dispute will be deemed invalid. Notification of all billing disputes shall be sent to the following address: billing@SKRUMBLE.com.

12.PRICING AND PAYMENT.

12.1. Prices and Fees. SKRUMBLE fees and charges for the Service are supplied to you during the ordering process unless otherwise provided for in this Agreement. You agree to pay the applicable one-time and recurring charges. You further agree that any taxes and other charges, including but not limited to, account setup fees, Adapter fees, Device charges, shipping and handling and other nonrecurring charges will be charged to your credit card. Recurring charges will be billed and automatically charged to your credit card on the first day of every billing cycle. Your billing cycle will begin on the anniversary date of your subscription date as defined in section 8.1.

12.2. YOU AGREE THAT WE MAY CHARGE YOUR CREDIT CARD FOR ALL AMOUNTS DUE TO US WITHOUT ADDITIONAL NOTICE OR CONSENT. You agree to provide a credit card and not a debit card. If your card is a combination credit card/debit card, you authorize us to use it as a credit card. If your issuing bank automatically provides us with an updated credit card, you agree that we may charge this new credit card for all amounts due to us without additional notice or consent. You also agree to indemnify us for any claims, damages or expenses resulting from providing a debit card instead of a credit card. If your credit card is declined, is invalid or payment is not made by the issuer of your credit card at the time that a charge is attempted, you will not be able to use the Service until your account is paid in full.

12.3. Credit Balance Account. Your credit balance account has been established to cover incidental charges on your account that are not covered by your subscription fee. For example, international calls, toll free charges, Directory Assistance calls and taxes related to these calls are automatically charged to your credit balance account. A certain credit limit will be set on your account based upon your service plan and credit history. When the balance of your credit account reaches the credit limit, your account will be unable to make additional calls until the balance is paid down. You can make payments to reduce your credit balance account at any time by contacting our Customer Care Department at 1-888-898-8826 or by email to support@SKRUMBLE.com. Any credit balance used as of your subscription renewal or monthly anniversary date will be charged to the credit card on file.

12.4. Credit Terms. All Services provided to You and covered by the Agreement shall at all times be subject to credit approval or review by SKRUMBLE. You will provide such credit information or assurance as is requested by SKRUMBLE at any time. SKRUMBLE, in its sole discretion and judgment, may discontinue credit at any time without notice or require a deposit.

12.5. Discontinuation of Service for Nonpayment. Your Skrumble service to you may be denied or discontinued without notice at any time in the event your credit card provider denies or discontinues providing credit to you for any reason, or you fail to provide us with a new credit card expiration date before the existing one expires. If your credit card fails for any reason during the ordering process, or any regular or monthly billing process, you will have 24 hours to provide SKRUMBLE your new credit card information. Skrumble customer service will send you a courtesy email to inform you that your credit card was declined. If the credit card issue is not resolved within 48 hours, SKRUMBLE will deactivate the Service. If your credit card is approved within 24 hours, your calling plan and billing cycle will remain unchanged. We reserve the right to modify the per minute calling plan at any time. You agree to pay all charges owed to SKRUMBLE, including but not limited to the reinstatement fee for reactivated services. In the event SKRUMBLE utilizes a collection agency or resorts to legal action to recover monies due, you agree to reimburse us for all expenses incurred to recover such monies, including attorneys' fees.

12.6. Promotions. SKRUMBLE may limit the number of promotions you may be eligible for in a given period. Promotions may be cancelled by SKRUMBLE at any time.

12.7. Cancellation Policy. SKRUMBLE cancellation policies are outlined in the Cancellation Policy posted at our Web site at SKRUMBLE.com and are incorporated into this policy with this reference. All cancellation requests must be submitted in the form of an email ticket to service@SKRUMBLE.com or by calling our Customer Care Department at 1-888-898-8826 and must be made prior to the expiration of the Service term. See the cancellation policy for details. Changes to the Cancellation Policy may be made at any time without notice to you and is effective the day following posting to our Web site.

13.Acceptable Use Policy. You agree to comply with the SKRUMBLE Acceptable Use Policy (“AUP”), which is posted on our Web site at skrumble.com/terms-of-service and is incorporated into this policy with this reference.

Changes to the AUP may be made at any time without notice to you and is effective the day following posting to our Web site.

14.MANAGEMENT OF YOUR DATA AND COMPUTER.

14.1. System Management and Service Performance. You are solely responsible for obtaining, installing, configuring and maintaining suitable equipment, including your computer and telephone and software, including any necessary system or software upgrades, patches or other fixes which are or may become necessary to access the Service and to operate your computer. SKRUMBLE will only provide technical assistance with respect to your SKRUMBLE-provided Adapter.

14.2. Monitoring of Network Performance. SKRUMBLE automatically measures and monitors network performance. We also will access and record information about your computer's profile and settings and the installation of the Software in order to provide customized technical support. No adjustments to your computer settings will be made without your permission. You hereby consent to SKRUMBLE's monitoring of your Internet connection and network performance, and the access to and adjustment of your computer settings, as set forth above, as they relate to the Service.

14.3. Storage of User Information. SKRUMBLE is not obligated to sore Your communications logs, voicemails, faxes, e-mails, or other messages and does so only as a convenience to You. You agree that SKRUMBLE has no responsibility or liability whatsoever for the deletion or failure to store any call log information, voicemails, faxes,

e-mails, messages, and/or other communications maintained or transmitted by the Services. You acknowledge and agree that SKRUMBLE may establish limits as to the size of communications that SKRUMBLE transmits or stores and the duration for which SKRUMBLE stores any communications.

14.4.LIMITATION ON WARRANTIES, REMEDIES AND LIABILITY, INDEMNIFICATION.

14.5. WARRANTIES.

15.1.1 SKRUMBLE MAKES NO EXPRESS OR IMPLIED WARRANTY REGARDING THE SERVICE OR DEVICE OR THE INSTALLATION OF SAME AND DISCLAIMS ANY IMPLIED WARRANTY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY AND/OR FITNESS FOR A PARTICULAR PURPOSE. SKRUMBLE DOES NOT WARRANT THAT THE SERVICE OR DEVICE WILL FUNCTION WITHOUT FAILURE, DELAY, INTERRUPTION, ERROR, DEGRADATION OF VOICE QUALITY OR LOSS OF CONTENT, DATA OR INFORMATION. SKRUMBLE DOES NOT AUTHORIZE ANYONE, INCLUDING BUT NOT LIMITED TO ITS EMPLOYEES, AGENTS OR REPRESENTATIVES, TO MAKE A WARRANTY OF ANY KIND ON ITS BEHALF AND YOU SHOULD NOT RELY ON ANY SUCH STATEMENT. CUSTOMER AGREES THAT IT ACCEPTS THE SERVICE AND DEVICE “AS IS” AND THAT CUSTOMER IS NOT ENTITLED TO REPLACEMENT OR REFUND IN THE EVENT OF ANY DEFECT. THE PROVISIONS OF THIS SECTION SHALL BE APPLIED TO THE FULLEST

EXTENT OF THE LAW, BUT IF ANY PORTION OF THIS SECTION IS DETERMINED TO BE UNLAWFUL, THEN THIS SECTION SHALL BE CONSTRUED TO LIMIT LIABILITY AGAINST SKRUMBLE TO THE FULLEST EXTENT POSSIBLE UNDER THE LAW.

15.1.2. WE WILL NOT GIVE YOU CREDIT FOR ANY INTERRUPTION OF SKRUMBLE SERVICE, INCLUDING INTERNATIONAL CALLING SERVICES.

15.2. LIMITATION OF LIABILITY.

15.2.1. IN NO EVENT SHALL SKRUMBLE BE LIABLE TO YOU, YOUR REPRESENTATIVES OR AUTHORIZED ASSIGNS OR ANYONE ELSE FOR ANY INCIDENTAL, DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, OR FOR ANY DAMAGES FOR LOSS OF DATA, LOSS OF REVENUE OR PROFITS, RELATING TO OR ARISING OUT OF THE SERVICE, THE USE OF OR INABILITY TO USE THE SERVICE, THE ABSENCE, DELAY, FAILURE OR OUTAGE OF THE SERVICE, THE INABILITY TO DIAL 911 OR E911 TO ACCESS EMERGENCY SERVICE PERSONNEL, THE INABILITY TO DIAL SECURITY, LAW ENFORCEMENT OR FIRE PREVENTION/ PROTECTION SERVICES OR SYSTEMS, THE DEVICE, THE USE OF AND/OR INABILITY TO USE THE DEVICE, THE INSTALLATION OF THE DEVICE, AND/OR THIS AGREEMENT. NOR SHALL SKRUMBLE BE LIABLE FOR ANY DELAY OR FAILURE TO PROVIDE THE SERVICE, INCLUDING 911 DIALING, AT ANY TIME OR FROM TIME TO TIME, OR FOR ANY INTERRUPTION OR DEGRADATION OF VOICE QUALITY CAUSED BY ANY REASON INCLUDING BUT NOT LIMITED TO THE FOLLOWING: AN ACT OR OMISSION OF AN UNDERLYING CARRIER, SERVICE PROVIDER, VENDOR OR THIRD PARTY, EQUIPMENT, NETWORK OR FACILITY FAILURE, EQUIPMENT, NETWORK OR FACILITY UPGRADE, SERVICE, MAINTENANCE, MODIFICATION, SHORTAGE, OR RELOCATION, FORCE MAJEURE EVENTS SUCH AS BUT NOT LIMITED TO ACTS OF GOD, ADVERSE WEATHER, STRIKES, FIRE, WAR, RIOT, GOVERNMENT ACTIONS OR TERRORISM, SERVICE, DEVICE, EQUIPMENT, NETWORK OR FACILITY FAILURE CAUSED BY THE LOSS OF POWER OR INTERNET SERVICE TO SKRUMBLE OR CUSTOMER, AND ANY CAUSE THAT IS BEYOND SKRUMBLE’S CONTROL, INCLUDING WITHOUT LIMITATION THE FAILURE OF AN INCOMING OR OUTGOING COMMUNICATION, THE INABILITY OF COMMUNICATIONS TO BE CONNECTED OR COMPLETED, INCLUDING 911 DIALING, OR DEGRADATION OF VOICE QUALITY. SKRUMBLE SHALL NOT BE LIABLE FOR UNAUTHORIZED ACCESS TO SKRUMBLE’S OR CUSTOMER’S TRANSMISSION FACILITIES OR PREMISES, EQUIPMENT OR FOR UNAUTHORIZED ACCESS TO, OR ALTERATION, THEFT OR DESTRUCTION OF, CUSTOMER’S DATA FILES, PROGRAMS, PROCEDURES, OR INFORMATION THROUGH ACCIDENT, FRAUDULENT MEANS OR DEVICES OR ANY OTHER METHOD, REGARDLESS OF WHETHER SUCH DAMAGE OCCURS AS A RESULT OF SKRUMBLE’S NEGLIGENCE OR OTHER ACTS OR OMISSIONS. SKRUMBLE’S LIABILITY FOR ANY ACT OR OMISSION SHALL IN NO EVENT EXCEED THE SERVICE CHARGES WITH RESPECT TO THE AFFECTED TIME PERIOD. THE LIMITATIONS SET FORTH HEREIN APPLY TO ALL CLAIMS FOUNDED IN BREACH OF CONTRACT, BREACH OF WARRANTY, PRODUCT LIABILITY, TORT, AND ANY AND ALL OTHER THEORIES OF LIABILITY, AND APPLY WHETHER OR NOT SKRUMBLE WAS INFORMED OF THE LIKELIHOOD OF ANY PARTICULAR TYPE OF DAMAGE. FURTHER, YOU AGREE TO REIMBURSE SKRUMBLE FOR ALL COSTS AND EXPENSES RELATED TO THE DEFENSE OF ANY SUCH CLAIMS, INCLUDING ATTORNEYS’ FEES AND LITIGATION COSTS. THE PROVISIONS OF THIS SECTION SHALL BE APPLIED TO THE FULLEST EXTENT OF THE LAW, BUT IF ANY PORTION OF THIS SECTION IS DETERMINED TO BE UNLAWFUL, THEN THIS SECTION SHALL BE CONSTRUED TO LIMIT LIABILITY AGAINST SKRUMBLE TO THE FULLEST EXTENT POSSIBLE UNDER THE LAW.

15.INDEMNIFICATION AND WAIVER OF CLAIMS.

15.1. INDEMNIFICATION.

15.1.1. YOU ARE LIABLE FOR ANY AND ALL USE OF THE SERVICE AND/OR DEVICE BY YOURSELF AND BY ANY PERSON MAKING USE OF THE SERVICE OR DEVICE, AND YOU AGREE TO DEFEND, INDEMNIFY AND HOLD HARMLESS SKRUMBLE AGAINST ANY AND ALL LIABILITY FOR ANY SUCH USE THAT FAILS TO COMPLY WITH THIS AGREEMENT. YOU AGREE TO DEFEND, INDEMNIFY AND HOLD HARMLESS SKRUMBLE FROM ANY AND ALL CLAIMS AND/OR LIABILITY FOR DAMAGES, PERSONAL INJURY, DEATH, FINES, PENALTIES, COSTS, EXPENSES, LOSSES, LOST PROFIT, LOST REVENUE, PROPERTY DAMAGE, ATTORNEYS’ FEES, AND ANY AND ALL OTHER DAMAGES OF WHATEVER KIND AND NATURE RELATING TO OR ARISING OUT OF THE SERVICE, THE USE OF OR INABILITY TO USE THE SERVICE, THE ABSENCE, FAILURE OR OUTAGE OF THE SERVICE, THE INABILITY TO DIAL 911 OR E911 TO ACCESS EMERGENCY SERVICE PERSONNEL, THE INABILITY TO DIAL SECURITY, LAW ENFORCEMENT OR FIRE PREVENTION/ PROTECTION SERVICES OR SYSTEMS, THE DEVICE, THE USE OF AND/OR INABILITY TO USE THE DEVICE, THE INSTALLATION OF THE DEVICE, AND/OR THIS AGREEMENT UNLESS THE CLAIMS OR CAUSES OF ACTION ARISE FROM OUR GROSS NEGLIGENCE, RECKLESSNESS, OR WILLFUL MISCONDUCT. THIS SECTION SHALL SURVIVE THE AGREEMENT.

16.CONTENT. You are liable for all liability that may arise from the content you transmit to any person, whether or not you authorize it, using the Service or Device. You promise that you and anyone who uses the Service and all your and their content comply at all times with all laws, regulations, and written and electronic instructions for using the Service and the Device.

17.MISCELLANEOUS LEGAL CONSIDERATIONS.

17.1. Governing Law. This Agreement and the relationship between you and SKRUMBLE shall be governed by the laws of Ontario without regard to its conflict of law provisions. Any claim brought pursuant to this Agreement shall be brought in a court of competent jurisdiction within the province of Ontario.

17.2. No Waiver of Rights. Our failure to exercise or enforce any right or provision of this agreement will not constitute a waiver of the right or provision. SKRUMBLE reserves all of its rights at law and equity to proceed against anyone who uses the Services or Device illegally or improperly. All determinations by SKRUMBLE under this Agreement and exercise of its rights are made and done in our sole and absolute discretion.

17.3. No Third Party Beneficiaries. If you are not a party to this Agreement, you do not have any remedy, claim, liability, reimbursement, or cause of action. This Agreement does not create any other third party beneficiary rights.

17.4. Entire Agreement. This Agreement, the Order, the applicable service description, the AUP, or any reference herein to the content of SKRUMBLE’s websites constitute the entire agreement between you and SKRUMBLE and govern your use of the Service, superseding any prior agreements between you and SKRUMBLE and any and all prior or contemporaneous statements, understandings, writings, commitments, or representations concerning its subject matter. No changes to this Agreement shall be binding upon either you or SKRUMBLE unless they are assigned by the parties.

17.5. Severability. If any part of this Agreement is legally declared invalid or unenforceable, all other parts of this Agreement will remain valid and enforceable. This invalidity or non-enforceability will not invalidate or render unenforceable any other portion of this agreement.

18.DISPUTE RESOLUTION AND BINDING ARBITRATION.

18.1. It is important that you read this entire section carefully. This section provides for resolution of disputes through final and binding arbitration before a neutral arbitrator instead of in a court by a judge or jury.

18.2. Arbitration. SKRUMBLE and you agree to arbitrate any and all disputes and claims between you and SKRUMBLE except with respect to claims for amounts owed for services rendered. Arbitration means that all disputes and claims will be resolved by a neutral arbitrator instead of by a judge or jury in a court. This agreement to arbitrate is intended to be given the broadest possible meaning under the law. It includes, but is not limited to: disputes and claims arising out of or relating to any aspect of the relationship between you and SKRUMBLE, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory; disputes and claims that arose before this or any prior agreement (including, but not limited to, claims relating to advertising); disputes and claims that may arise after the termination of this agreement; disputes and claims that are currently the subject of individual litigation; disputes and claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and disputes and claims concerning the scope of this arbitration provision. References to “SKRUMBLE,” “us” and “you” include our respective subsidiaries, affiliates, agents, employees, predecessors in interest, successors and assigns, as well as all authorized or unauthorized users or beneficiaries of the Service under this agreement or any prior agreements between you and SKRUMBLE.

18.3. Informal Resolution of Disputes. Our Customer Care Department can resolve most customer concerns quickly and to the customer’s satisfaction. If you have a dispute or claim against us, you should first contact the SKRUMBLE Customer Care Department and provide in detail, including documents or analysis supporting your position, the basis of your claim. Customer care shall be provided with 14 days in which to research and respond to your claim. In the event your dispute or claim is not resolved to your satisfaction, you may seek to have that dispute or claim resolved as set forth below.

18.4. Formal Notice of Disputes A party who intends to seek arbitration must first send to the other party a written “Notice of Dispute” setting forth in detail, including submission of supporting documentation, the grounds of your dispute. The Notice of Dispute to SKRUMBLE must be sent to SKRUMBLE, attention “General Counsel,” by certified mail to the appropriate power in Toronto, Ontario.

18.4.1. The Notice of Dispute must describe the nature and basis of the dispute or claim and set forth the specific relief sought. If you and SKRUMBLE do not reach an agreement to resolve the dispute or claim within thirty (30) days after the Notice of Dispute is received, you or SKRUMBLE may commence an arbitration proceeding. The amount of any settlement offer made by you or SKRUMBLE shall be non-discoverable and shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or SKRUMBLE is entitled.

19.5. Waiver of Judge or Jury Trial. You and SKRUMBLE agree that, by entering into this agreement, you and SKRUMBLE are waiving the right to a trial by judge or jury.

19.6. Waiver of Class Actions. You and SKRUMBLE agree that the arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. You and SKRUMBLE agree that you and SKRUMBLE may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. You and SKRUMBLE agree that, unless you and SKRUMBLE agree otherwise, the arbitrator may not consolidate more than one person’s or entity’s claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific waiver of class actions provision, or any portion thereof, is found to be unenforceable, then the entirety of this dispute resolution and binding arbitration provision shall be null and void.

19.7. Statute of Limitations. You must present a claim within one (1) year of the date of the occurrence of the event or facts giving rise to a dispute (except for billing disputes which are subject to section 10 and 11 of the agreement), or you waive the right to pursue a claim based upon such event, facts, or dispute.

19.8. Exceptions to Arbitration Agreement. Notwithstanding the obligation to arbitrate and any other provisions to the contrary herein, you and we agree that with respect to claims for unpaid invoices: (a) we may take our dispute to small claims court, if the contained dispute qualifies for hearing by such court; (b) if you fail to timely pay amounts due, we may assign your account for collection, and the collection agency may pursue in court claims limited strictly to the collection of the past due debt and any interest or cost of collection permitted by law or the Agreement; (c) you or we may take any disputes over the validity of any party’s intellectual property rights to a court of competent jurisdiction; (d) any dispute related to or arising from allegations associated with fraudulent or unauthorized use, theft, or piracy of service may be brought in a court of competent jurisdiction; and (e) either you or we may seek any interim or preliminary relief from a court of competent jurisdiction, necessary to protect the rights or property of you or SKRUMBLE, pending the completion of arbitration.

19.9. Modification of Arbitration. If SKRUMBLE makes any substantive change to this arbitration provision, you may reject any such change and require SKRUMBLE to adhere to the language in this provision.

19.10. Venue/Jurisdiction. All claims for Arbitration shall be submitted to and heard by the relevant parties in Toronto, ON.

19.PRIVACY. SKRUMBLE Service utilizes, in whole or in part, the public Internet and third party networks to transmit voice and other communications. You acknowledge and understand that SKRUMBLE cannot guarantee that voice over IP communication is completely secure. You agree that SKRUMBLE may access all features of your account and the Service to determine whether the Service is being used fraudulently and/or in violation of this Agreement, and for any other purposes. YOU AGREE THAT SKRUMBLE SHALL NOT BE LIABLE FOR ANY LACK OF PRIVACY. SKRUMBLE is committed to respecting your privacy relating to personally identifiable information. Once you choose to provide personally identifiable information, it will only be used in the context of your relationship with SKRUMBLE. SKRUMBLE will not sell, rent, or lease your personally identifiable information to others. Upon the appropriate request of a government agency, law enforcement agency, court or as otherwise required by law, SKRUMBLE may disclose personally identifiable information. Please refer to our Privacy Policy for additional information.

20.EXPORT COMPLIANCE. You agree to comply fully with all relevant export laws and regulations of the United States, including but not limited to the U.S. Export Administration Regulations, administered by the Department of Commerce, Bureau of Industry and Security. You also expressly agree that the Customer shall not export, directly or indirectly, re-export, divert, or transfer any portion of the Service or Device, including, without limitation, to any destination, company, or person restricted or prohibited by U.S. export controls.

21.RECORDING CONVERSATIONS. Certain SKRUMBLE Services provide a function that allows you to record individual telephone conversations. The laws regarding the notice, notification, and consent requirements for recording conversations vary from state to state. In some states, You are required to obtain consent from all parties to a record a conversation. You are solely responsible for complying with all federal, state, and local laws in any relevant jurisdiction when using this feature. SKRUMBLE disclaims all liability with respect to your recording of telephone conversations. You hereby agree to fully, finally, and forever release, discharge, hold harmless, and fully indemnify SKRUMBLE from and against any damages or liabilities of any kind related to Your recording of any telephone conversations using the Services.

22.ASSIGNMENT. SKRUMBLE may assign all or part of its rights or duties under the Agreement without notifying you. If we do that, we have no further obligation to you. You may not assign the Agreement or the Service or Device without our prior written agreement.

23.SURVIVAL. The provisions of this Agreement relating to indemnification, limitations on liability, warranty limitations and disclaimers, resolution of disputes, billings and your obligation to pay for the Service provided and any additional usage charges, shall survive the termination of the Agreement and the termination of the Service.

24.CALEA. SKRUMBLE intends to fully comply with the Communications Assistance for Law Enforcement Act (“CALEA”). By using the Service, you hereby agree and consent to SKRUMBLE’s right to monitor and otherwise disclose the nature and content of your communications if and as required by CALEA without any further notice to you.

25.FORCE MAJEURE (EVENTS BEYOND SKRUMBLE’S CONTROL). SKRUMBLE shall be excused from any delay or failure in performance hereunder caused by reason of occurrence or contingency beyond its reasonable control, including without limitation, acts of God, earthquake, fire, flooding, riots, war, government intervention, embargoes, strikes, labour difficulties, equipment failure, late delivery by suppliers or other difficulties as may occur in spite of SKRUMBLE’s best efforts.

26.SOFTWARE COPYRIGHT. Any software used by SKRUMBLE to provide the Service and any software provided to you in conjunction with providing the Service is protected by copyright law and international treaty provisions. You may not copy the software or any portion of it.

27.COPYRIGHT AND TRADEMARK; COPYRIGHT INFRINGEMENT; DIGITAL MILLENNIUM COPYRIGHT ACT (DMCA) NOTICE. Our Website content, our materials, services, logs, service marks and trademarks are protected by trademark, copyright, or other intellectual property laws, and international treaty provisions. Infringement by you may result in civil or criminal prosecution.

28.Fair Use. The services provided by Skrumble shall not be used to transmit or operate any criminal activity. Skrumble has no liability in any such transmissions or interactions and reserves the right to cease any service the company deams appropriate.

911 Terms & Conditions

911 EMERGENCY DIALING AND TERMS AND CONDITIONS OF SERVICE

BY ACTIVATING AND PAYING FOR THE SERVICE, YOU ACKNOWLEDGE AND AGREE TO THE TERMS AND CONDITIONS POSTED ON THE WEBSITE AT SKRUMBLE.COM AND TO THE LIMITATIONS OF SKRUMBLE 911 EMERGENCY DIALING SERVICE.

PLEASE READ THIS INFORMATION REGARDING 911 VERY CAREFULLY. YOU ACKNOWLEDGE AND AGREE TO THE LIMITATIONS OF SKRUMBLE 911 EMERGENCY DIALING SERVICE AND UNDERSTAND THE DISTINCTIONS BETWEEN SUCH SERVICE AND TRADITIONAL 911 or E911 CALLS. You agree to notify any user who may place calls using your Service, including any household residents or guests who may be present in your household, of the limitations of SKRUMBLE 911 Emergency Dialing.

PLEASE BE AWARE THAT EVEN IN THOSE AREAS IN WHICH SKRUMBLE OFFERS 911 SERVICE, SKRUMBLE CANNOT AND DOES NOT GUARANTEE THAT THE SERVICE WILL OPERATE AS INTENDED. THE ONLY WAY TO KNOW WITH ABSOLUTE CERTAINTY THAT YOU HAVE FUNCTIONING 911 SERVICE IS TO TEST THE SYSTEM; SKRUMBLE IS NOT AUTHORIZED TO MAKE TEST CALLS TO THE 911 SYSTEM AND CANNOT AUTHORIZE YOU TO DO SO. YOU MAY WISH TO CALL THE NON-EMERGENCY NUMBER OF YOUR LOCAL POLICE OR FIRE DEPARTMENT TO FIND OUT IF THEY ARE ABLE TO HELP YOU OBTAIN SUCH PERMISSION.

SKRUMBLE RECOMMENDS THAT YOU MAINTAIN AN ALTERNATIVE MEANS OF ACCESSING EMERGENCY SERVICES IN THE EVENT OF A SERVICE DISRUPTION FOR ANY REASON.

SKRUMBLE 911 Service. SKRUMBLE 911 Emergency Dialing is not available in all areas. To activate this service where available, you must register the physical location of your Equipment with SKRUMBLE, and that location must be within the geographic serving area of a Public Safety Answering Point ("PSAP") to which SKRUMBLE has established connectivity for this service. If you fail to activate and properly configure the Service and the Equipment, the Service will not support 911

Emergency Dialing, and you acknowledge and agree to this requirement. 911 Emergency Dialing may not function for up to thirty (30) days after SKRUMBLE activates your Service, and you acknowledge and agree to this requirement.

Service Address. You must provide the address which will be associated with the Service ("Service Address") during the registration process. The service address you provide must be in the same rate center as the Household (primary) number you have selected. Failure to provide the correct and proper may result in misdirecting 911 calls to the incorrect PSAP or emergency operator and/or the failure to reach the correct location and render emergency service when requested. You acknowledge that 911 dialing will not function properly if you move your Equipment to another Service Address, either temporarily or permanently, unless the new Service Address has been properly recorded and is in an area for which SKRUMBLE provides 911 Emergency Dialing. You may change your Service Address by following the procedures specified on the SKRUMBLE website. Change of Service Address will take a minimum of ten business days to properly update the 911 emergency databases.

911 Service Limitations. The following additional limitations apply to 911 Emergency Dialing when it is provided by SKRUMBLE:

if your SKRUMBLE Service is not functioning for any reason. This includes a broadband or electrical power outage or if your broadband, ISP, or SKRUMBLE Service is suspended or terminated. In addition, in the event of a local disaster, there is a greater possibility that a SKRUMBLE 911 call will produce a busy signal, fail to be completed, or experience long connection times due to network congestion.

Enhanced 911 ("E911"). In certain areas in which SKRUMBLE provides 911 Emergency Dialing, SKRUMBLE provides E911 capabilities. When the caller dials 911 on a SKRUMBLE-enabled phone with E911 service, SKRUMBLE will automatically deliver the location information you provided at the time of activation, or as subsequently and properly updated, validated, and acknowledged by SKRUMBLE, to the PSAP with the 911 call. If the location information you provided is incorrect, the emergency call may be misdirected to a PSAP that does not serve your location, which as a result may be unable to render sufficient emergency service. You acknowledge that you are solely responsible for maintaining accurate physical location information on your SKRUMBLE account. If you move your SKRUMBLE equipment to another location, you must update your Service Address in accordance with the instructions on the SKRUMBLE website.

Basic 911. In some areas in which SKRUMBLE provides 911 Emergency Dialing, SKRUMBLE may not support E911, and your physical location information may not be automatically delivered to the PSAP with the 911 call. The PSAP or local emergency dispatcher receiving a non-E911 emergency call may not be able to capture and/or retain automatic number or location information. This means that the dispatcher may not know the phone number or physical location of the person who is making the 911call. Therefore, a caller dialing 911 using SKRUMBLE may need to immediately tell the dispatcher the location of the emergency, and the caller must not prematurely disconnect the line, since the dispatcher may not have the phone number to call back the caller. If the caller is unable to speak or sufficiently describe the location, the emergency dispatcher may not be able to render emergency service to the appropriate location.

Acknowledgement. You understand and acknowledge that SKRUMBLE 911 Emergency Dialing has certain characteristics that distinguish it from traditional, legacy, circuit-switched 911service. These characteristics may make SKRUMBLE unsuitable to some users. You should carefully evaluate your circumstances when deciding to activate SKRUMBLE Service. You acknowledge that it is your responsibility to determine the technology or combination of technologies best suited to meet your emergency calling needs, and to make the necessary provisions for access to emergency calling services, such as maintaining a conventional phone line or wireless phone as a backup means of completing emergency calls. You authorize us to disclose your name and address to third parties involved with providing 911 Emergency Dialing to you, without limitation.

Suspension of Your Account. You acknowledge and understand that a Service outage due to suspension of your account as a result of billing issues or any other reason, including, but not limited to, those reasons described elsewhere in this Agreement, will prevent all service, which may include Emergency 911 Dialing.

Indemnification. You acknowledge and understand that SKRUMBLE will not be liable for any Service outage and/or inability to dial 911 using SKRUMBLE or to otherwise access emergency service personnel due to the characteristics and limitations of SKRUMBLE Service. You agree to defend, indemnify, and hold harmless SKRUMBLE, its officers, directors, employees, affiliates, and agents and any other service provider who furnishes services to you in connection with the Service, from any and all claims, losses, damages, fines, penalties, costs, and expenses (including, without limitation, attorney fees) by, or on behalf of, you or any third party user of the Service relating to the failure or outage of the Service, including those related to 911 dialing. You acknowledge that SKRUMBLE does not offer Lifeline service, and that we strongly recommend that you always have an alternative means of accessing emergency service. This provision supplements the general indemnification provision found below.

The under signed agrees to all the above terms and conditions