Your use of this application and your transactions conducted with the company in connection with this application are subject to the following terms and conditions, also referred to as "Terms of Use". Clicking onto pages beyond the application's homepage constitutes your acceptance of and agreement with the Terms of Use whether or not you complete a transaction with the company and whether or not you complete your transaction on the application or through other channels, such as by phone, by email, facsimile, or otherwise. If you do not agree to the Terms of Use, you may not use this application.