CONTRAXAWARE ENTERPRISE TERMS
Last Modified: October 29, 2018
1. Your Acceptance
2. User Information and Accounts
After registering we shall grant you access to Platform as permitted by us and in accordance with this Agreement. All rights not explicitly granted are reserved for ContraxAware. Where you access this Platform through an electronic device or a web browser, we grant you access to the Platform at our discretion. If you breach this Agreement, your access or license to use our Platform may be terminated at our discretion. Additionally, we may revoke your access to use our Platform if we believe that your actions may harm us, our business interests, or any third party rights. Failure by us to revoke your access does not act as a waiver of your conduct.
4. Platform and Services
The ContraxAware Platform is constituted by the website, software, components, and any associated services offered. The Platform may offer services including but not limited to contract management, contract tracking, electronic signature, contract workflow assistance, and contract authoring (“ContraxAware Services”). Any ContraxAware Services offered via the Platform may change at any time, and we reserve the right to change, update, add, remove, or suspend our Platform, any portions of our Platform, or the ContraxAware Services at our sole discretion. We may, but are not required to provide you any notice where we make a change to the Platform. We will not be liable to you or any third party for any modification, price change, suspension or discontinuance of any portion of our Platform and any ContraxAware Services. Please be aware that any ContraxAware Services are “as-is” and “as-available.” Additionally any information or content found on our Platform, including any notifications or tools provided, are offered only for informational purposes only. ContraxAware has no liability to you for any content including but not limited to all User Content (defined below), information, copy, images, URL names, and anything else provided by any third parties using the Platform (collectively “Non-ContraxAware Content”). We shall not be liable for any inconvenience, loss, liability, or damage resulting from any interruption of the Platform, directly or indirectly caused by, or proximately resulting from, any circumstances beyond our control, including, but not limited to, causes attributable to you; inability to access to the Platform; failure of a communications satellite, strike; labor dispute; riot or insurrection; war; explosion; malicious mischief; fire, flood, lightning, earthquake, wind, ice, extreme weather conditions, or other acts of God; failure or reduction of power; or any court order, law, act or order of government restricting or prohibiting the operation of or access to the Platform.
5. Third Party Integrations
The ContraxAware Services may allow users to sign documents through e-signatures. Such e-signatures are subject to the United States Electronic Signatures in Global and National Commerce Act (“E-Sign”). By using any e-signature features, you agree that your e-signature is legally binding and enforceable and such e-signature is a substitute for a paper based signature.
8. Use of the Platform
When using our Platform, users are responsible for your use. You agree to the following: • You way not copy, distribute or disclose any part of the Platform in any medium, including without limitation by any automated or non-automated “scraping”; • You may not attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the Platform; • You may not use any robot, spider, crawler, scraper or other automated means or interface not provided by us to access the Platform or to extract data; • You may not use automated bots or other software to send more messages through our Platform than humanly possible; • You may not use the Platform on a computer that is used to operate nuclear facilities, life support, or other mission critical applications where life or property may be at stake; • You may not decompile, reverse engineer, disassemble, modify, or create derivative works or improvements to the Platform or any portion of it; • You may not access our Platform in an attempt to build a similar or other competitive product; • You may not use the Platform in an unlawful manner; • You may not take any action that imposes, or may impose at our sole discretion, an unreasonable or disproportionately large load on our infrastructure; • You may not collect or harvest any personally identifiable information, including account names, except where permitted, from the Platform; • You may not impersonate any person or entity or misrepresent your affiliation with a person or entity; • You may not violate or infringe other people's intellectual property, privacy, or other contractual rights while using our Platform; • You may not violate any requirements, procedures, policies or regulations of networks connected to ContraxAware; • You may not sell, lease, loan, distribute, transfer, or sublicense the Platform or access to it or derive income from the use or provision of the Platform unless enabled through the functionality of our Platform; • You may not interfere with or disrupt the Platform; • You may not violate any law or regulation and you solely are responsible for such violations; • You agree that you will not hold ContraxAware responsible for your use of our Platform; and • You agree not to cause, or aid in, the disruption, destruction, manipulation, removal, disabling, or impairment of any portion of our Platform, including the de-indexing or de-caching of any portion of our Platform from a thirty party’s website, such as by requesting its removal from a search engine. If you are discovered to be undertaking any of the aforementioned actions your privileges to use our Platform may at our discretion be terminated or suspended. Generally, we will provide an explanation for any suspension or termination of your use of any of our Platform, but ContraxAware reserves the right to suspend or terminate any account at any time without notice or explanation.
9. User Content
Your ability to submit or transmit any information through the Platform, including but not limited to contracts, data, written content, images, videos, or any other information will be referred to as “User Content” throughout this Agreement. Please be aware that we are not required to host, display, migrate, or distribute any of your User Content and we may refuse to accept or transmit any User Content. You agree that you are solely responsible for any User Content submitted and you release us from any liability associated with any User Content submitted. We provide industry standard security but we cannot guarantee the absolute safety and security of any such User Content. Any User Content found to be in violation of this Agreement or that we determine to be harmful to the Platform may be modified, edited, or removed at our discretion. When submitting any User Content to our Platform you represent and warrant that you own all rights to the User Content and you have paid for or otherwise have permission to use any User Content submitted. Furthermore, you represent and warrant that all User Content is legal and the User Content does not interfere with any third party rights or obligations. When you submit any User Content to us, you grant ContraxAware, its partners, affiliates, service providers, representatives and assigns a non-exclusive, limited, fully-paid, royalty-free, revocable, world-wide, universal, transferable, assignable license to display, distribute, store, broadcast, transmit, reproduce, modify, prepare derivative works, or use and reuse all or part of your User Content for the purposes of providing you any services associated with the Platform for the duration of this Agreement. Where required by US federal or state law, we may keep copies of your User Content after the termination of this Agreement. Additionally, you grant to ContraxAware a worldwide, perpetual, irrevocable, royalty-free license to use and incorporate into the Platform any suggestion, enhancement request, recommendation, correction or other feedback provided by you relating to the operation of our Platform. We reserve the right to remove, delete, modify, screen, edit, or refuse any User Content for any reason or no reason, and with or without notice to you.
10. User Content Requirements
User represents and warrants the following: (1) User owns or has properly licensed all User Content provided; (2) the User Content does not and will not infringe on any copyright, moral right, trademark or other intellectual property right and will not violate any right of privacy or right of publicity; (3) the User Content offered does not violate any US state or federal laws or any third party agreements; (4) User has the sole, exclusive and unencumbered ownership of all rights of every kind and character throughout the universe in and to the User Content and has clear title to any other subsidiary materials contained in the User Content; (5) User has the absolute right to grant to ContraxAware, all rights, licenses and privileges granted to or vested in ContraxAware under this Agreement; and (6) there are no existing, anticipated, or threatened claims or litigation that would adversely affect or impair the use of any of the User Content.
11. Monitoring User Content
ContraxAware shall have the right, but not the obligation, to monitor all User Content on the Platform at all times, to determine compliance with this Agreement and any guidelines established by us. Without limiting the foregoing, ContraxAware shall have the right, but not the obligation, to remove any User Content that ContraxAware at its sole discretion. For example, we may remove User Content if we believe that any User Content may harm us or our business interests or violate any United States laws or regulations. We have no obligation to retain or provide you with copies of any User Content after your termination of this Agreement.
At the cessation of your Paid Subscription (defined below), ContraxAware may offer data migration services for User Content. Please be aware that any data migration services are offered at ContraxAware’s sole discretion and an additional fee may be required for you to use such services.
13. Platform Availability
Although we try to provide continuous availability to you, we do not guarantee that the Platform will always be available, work, or be accessible at any particular time. Specifically, we do not guarantee any uptime or specific availability of the Platform. You agree and acknowledge that the Platform uses remote access and may not always be either 100% reliable or available.
14. Modification of Platform
We reserve the right to alter, modify, update, or remove the Platform or any portions thereof, at any time. We may conduct such modifications to our Platform for security reasons, intellectual property, legal reasons, or various other reasons at our discretion, and we are not required to explain such modifications or provide you access to previous versions of our Platform. For example, we may provide updates to fix security flaws, or to respond to legal demands. Please note that this is a non-binding illustration of how we might exercise our rights under this section, and nothing in this section obligates us to take measures to update the Platform for security, legal or other purposes.
15. Platform Security
ContraxAware implements administrative, physical, and technical safeguards for protection of the security, confidentiality and integrity of your information and all User Content. Those safeguards used are based on industry standards. Aside from such industry standard safeguards, ContraxAware can make no guarantees regarding any Platform security or any User Content secured.
16. Services and Support
At ContraxAware we aim to provide 24/7 customer support for any issues you are experiencing with the Platform. However, at times immediate support may be unavailable and we will aim to return your support questions within one business day. Where you are having any issues please contact us at firstname.lastname@example.org.
You hereby agree to pay for all costs, fees, and expenses listed when using our Platform and any ContraxAware Services. User authorizes ContraxAware or its third party payment processors to charge the credit card on file in the user's account for such amounts listed. Please be aware that we use third party payment processors to process our credit card information. Depending on the transaction you selected or services requested, ContraxAware may charge you on a one-time or a recurring basis. All information that you provide in connection with a purchase or transaction with must be accurate, complete, and current.
18. Free Trials
You may be able to participate in a free trial subscription by submitting your information along with your payment information. Feel free to make use of the the subscription (“Paid Subscription”) portions of the Platform during the free trial period listed within your account. You may cancel at any time during your free trial period. Once your free trial period has expired you will be charged the amount listed for the subscription plan that you have selected.
19. Subscription Plans and Automatic Renewals
For your convenience when you sign up for a free trial, we will save your payment information so that you won’t have to re-enter your billing information at a later time for any Paid Subscriptions. After the expiration of your free trial Your account will be automatically billed the Paid Subscription amount so that You may continue using our Platform. IF YOUR ACCOUNT IS IN A TRIAL PERIOD, CONTRAXAWARE MAY CHARGE YOU AUTOMATICALLY AT THE END OF THE TRIAL, UNLESS YOU NOTIFY US THAT YOU WANT TO CANCEL YOUR FREE TRIAL. YOU AUTHORIZE US TO BILL YOU ON A RECURRING BASIS AFTER YOUR FREE TRIAL AND AGREE THAT AT THE EXPIRATION OF YOUR INITIAL SUBSCRIPTION PERIOD, YOUR SUBSCRIPTION SHALL AUTOMATICALLY RENEW FOR ADDITIONAL SUBSCRIPTION PERIODS (OF THE SAME LENGTH AS YOUR INITIAL SUBSCRIPTION) UNTIL WE ARE NOTIFIED OTHERWISE. YOU AGREE THAT NO ADDITIONAL CONSENT IS REQUIRED BY YOU TO CHARGE YOUR PREFERRED PAYMENT METHOD AUTOMATICALLY AND ON AN AUTOMATICALLY RENEWABLE BASIS FOR THE PAID SUBSCRIPTION PLAN SELECTED BY YOU.
You agree to pay any prices for the Paid Subscription as displayed in your ContraxAware account. Please be aware that we may offer discounted pricing on some Paid Subscriptions at our discretion. ContraxAware may increase the price of our Paid Subscriptions, at our discretion and we reserve the right to do so at any time. In the event of a price increase, ContraxAware shall notify you and you will have the chance to accept or reject any price increase. Where you have rejected any price increase, your access to some portions of the Platform may be restricted. You agree that ContraxAware has no obligation to offer any ContraxAware Services for the price originally offered to you at sign up.
21. Cancellation and Refunds
Users may cancel their Paid Subscription at any time. Upon cancellation of a Paid Subscription, portions of the Platform may become immediately inaccessible. Additionally, some User Content stored within the Paid Subscription portion of the Platform may be removed or deleted. As a Paid Subscription allows Users to access additional portions and features of the Platform, no refunds shall be issued to any users for any Paid Subscriptions. If you feel that you are entitled to a refund please contact us, any refunds are granted at our sole discretion.
22. Intellectual Property
The name “ContraxAware”, the ContraxAware Platform along with the design of the ContraxAware Platform and any text, writings, images, templates, scripts, graphics, interactive features and any trademarks or logos contained therein ("Marks"), are owned by or licensed to ContraxAware, subject to copyright and other intellectual property rights under US and foreign laws and international conventions. ContraxAware reserves all rights not expressly granted in and to the Platform. You agree to not engage in the use, copying, or distribution anything contained within the Platform unless we have given express written permission.
23. Idea Submission
ContraxAware or any of its employees do not accept or consider unsolicited ideas, including but not limited to ideas relating to processes, technologies, product enhancements, or product names. Please do not submit any unsolicited ideas, content, artwork, suggestions, or other works (“Submissions”) in any form to ContraxAware. The sole purpose of this policy is to avoid potential misunderstandings or disputes when ContraxAware’s products might seem similar to ideas you submitted to ContraxAware. If, despite our request that you not send us your ideas, you agree to the following: (1) your Submissions and their contents will automatically become the property of ContraxAware, without any compensation to you; (2) ContraxAware may use or redistribute the Submissions and their contents for any purpose and in any way; (3) there is no obligation for ContraxAware to review the Submission; and (4) there is no obligation to keep any Submissions confidential.
THE PLATFORM IS PROVIDED ON AN "AS IS", "AS AVAILABLE" AND "WITH ALL FAULTS" BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, NEITHER CONTRAXAWARE, NOR ANY OF OUR EMPLOYEES, MANAGERS, OFFICERS, ASSIGNS, AFFILIATES, OR AGENTS MAKE ANY REPRESENTATIONS OR WARRANTIES OR ENDORSEMENTS OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: (1) THE PLATFORM OR ANY CONTRAXAWARE SERVICES; (2) ANY INFORMATION OR CONTENT PROVIDED VIA THE PLATFORM; OR (3) SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION TO CONTRAXAWARE, OR VIA THE PLATFORM. IN ADDITION, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, CUSTOM, TRADE, QUIET ENJOYMENT, SYSTEM INTEGRATION, AND FREEDOM FROM COMPUTER VIRUS. CONTRAXAWARE DOES NOT REPRESENT OR WARRANT THAT THE PLATFORM WILL BE ERROR-FREE OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; OR THAT THE PLATFORM OR THE SERVER THAT MAKES THE PLATFORM AVAILABLE IS FREE FROM ANY HARMFUL COMPONENTS. CONTRAXAWARE DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT THE INFORMATION (INCLUDING ANY INSTRUCTIONS) ON THE PLATFORM IS ACCURATE, COMPLETE, OR USEFUL. CONTRAXAWARE DOES NOT WARRANT THAT YOUR USE OF THE PLATFORM IS LAWFUL IN ANY PARTICULAR JURISDICTION, AND CONTRAXAWARE SPECIFICALLY DISCLAIMS ANY SUCH WARRANTIES.
25. Limitation of Liability
IN NO EVENT SHALL CONTRAXAWARE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE CONTRAXAWARE IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. SOME STATES, INCLUDING NEW JERSEY, DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OF CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU OR ANY NEW JERSEY RESIDENTS. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE. SPECIFICALLY, IN THOSE JURISDICTIONS NOT ALLOWED, WE DO NOT DISCLAIM LIABILITY FOR: (1) DEATH OR PERSONAL INJURY CAUSED BY CONTRAXAWARE’S NEGLIGENCE OR THAT OF ANY OF ITS OFFICERS, EMPLOYEES OR AGENTS; (2) FRAUDULENT MISREPRESENTATION; OR (3) ANY LIABILITY WHICH IT IS NOT LAWFUL TO EXCLUDE EITHER NOW OR IN THE FUTURE. WHERE A TOTAL DISCLAIMER OF LIABILITY IS DISALLOWED YOU AGREE THAT OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED ONE HUNDRED USD.
You agree to defend, indemnify and hold harmless ContraxAware, its officers, directors, employees, affiliates, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: • your use of and access to the ContraxAware Platform; • your violation of any term of this Agreement; or • your violation of any third party right, including without limitation any copyright, property, or contractual right. This defense and indemnification obligation will survive this Agreement and your use of the ContraxAware Platform. You also agree that you have a duty to defend us against such claims and we may require you to pay for an attorney(s) of our choice in such cases. You agree that this indemnity extends to requiring you to pay for our reasonable attorneys’ fees, court costs, and disbursements. In the event of a claim such as one described in this paragraph, we may elect to settle with the party/parties making the claim and you shall be liable for the damages as though we had proceeded with a trial.
We take copyright infringement very seriously. If you believe that any content owned by you has been infringed upon please send us a message which contains: • Your name. • The name of the party whose copyright has been infringed, if different from your name. • The name and description of the work that is being infringed. • The location on our Platform of the infringing copy. • A statement that you have a good faith belief that use of the copyrighted work described above is not authorized by the copyright owner (or by a third party who is legally entitled to do so on behalf of the copyright owner) and is not otherwise permitted by law. • A statement that you swear, under penalty of perjury, that the information contained in this notification is accurate and that you are the copyright owner or have an exclusive right in law to bring infringement proceedings with respect to its use. You must sign this notification and send it to our Copyright Agent: Copyright Agent of ContraxAware, email@example.com Counter Notice In the event that you receive a notification from ContraxAware stating content posted by you has been subject to a copyright takedown notice, you may respond by filing a counter-notice pursuant to the DMCA. Your counter-notice must contain the following: • Your name, address, email and physical or electronic signature. • The notification reference number (if applicable). • Identification of the material and its location before it was removed. • A statement under penalty of perjury that the material was removed by mistake or misidentification. • Your consent to the jurisdiction of a federal court in the district where you live (if you are in the U.S.), or your consent to the jurisdiction of a federal court in the district where your Vendor is located (if you are not in the US). • Your consent to accept service of process from the party who submitted the takedown notice. Please be aware that we may not take any action regarding your counter-notice unless your notification strictly complies with the foregoing requirements. Please send this counter-notice in accordance with the takedown notice instructions above.
28. Choice of Law
This Agreement shall be governed by the laws in force in the state of Massachusetts. The offer and acceptance of this contract is deemed to have occurred in the state of Massachusetts.
Any dispute relating in any way to your visit to the Platform or our Platform shall be submitted to confidential arbitration in Boston, MA. Arbitration under this Agreement shall be conducted pursuant to the applicable Rules (“Rules”) then prevailing at the American Arbitration Association. Arbitration shall be conducted in English by one (1) arbitrator as selected pursuant to the Rules; the arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. Each party shall be responsible for their own arbitration fees and costs. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class action proceedings or otherwise. Where permitted by the Rules, both parties may make any and all appearances telephonically or electronically. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of, related to or connected with the use of the Platform or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever banned. Notwithstanding the foregoing, either party may seek equitable relief to protect its interests (including but not limited to injunctive relief), or make a claim for nonpayment, in a court of appropriate jurisdiction, and issues of intellectual property ownership or infringement may be decided only by a court of appropriate jurisdiction and not by arbitration. In the event that the law does not permit the abovementioned dispute to be resolved through arbitration or if this arbitration agreement is unenforceable, you agree that any actions and disputes shall be brought solely in a court of competent jurisdiction located within Suffolk County, MA.
30. Class Action Waiver
You and ContraxAware agree that any proceedings to resolve or litigate any dispute whether through a court of law or arbitration shall be solely conducted on an individual basis. You agree that you will not seek to have any dispute heard as a class action, representative action, collective action, or private attorney general action.
In the event that a provision of this Agreement is found to be unlawful, conflicting with another provision of the Agreement, or otherwise unenforceable, the Agreement will remain in force as though it had been entered into without that unenforceable provision being included in it. If two or more provisions of this Agreement or any other agreement you may have with ContraxAware are deemed to conflict with each other’s operation, ContraxAware shall have the sole right to elect which provision remains in force.
We reserve all rights permitted to us under this Agreement as well as under the provisions of any applicable law. Our non-enforcement of any particular provision or provisions of this Agreement or the any applicable law should not be construed as our waiver of the right to enforce that same provision under the same or different circumstances at any time in the future. 33. Assignment and Survival You may not assign your rights and/or obligations under this Agreement to any other party without our prior written consent. We may assign our rights and/or obligations under this Agreement to any other party at our discretion. All portions of this Agreement that would reasonably be believed to survive termination shall survive and remain in full force upon termination, including but not limited to the Limitation of Liabilities, Representation and Warranties, Access, Payment, Indemnification, and Arbitration sections.
You may cancel your access to the Platform or any recurring payments at any time via your ContraxAware dashboard or contacting us at firstname.lastname@example.org. Please be aware that upon termination of your account, access to portions of our Platform may be become immediately disabled. We may terminate this Agreement with you if we determine that: (1) you have violated any applicable laws while using our Platform; (2) if you have violated any portion of this Agreement or any of our Platform policies; or (3) if we believe that any of your current or future actions may legally harm ContraxAware, our business interests or a third party, at our discretion. In the event of termination, we will strive to provide you with a timely explanation; however, we are not required to do so.
35. Entire Agreement
We may amend this Agreement from time to time. When we amend this Agreement, we will update this page and indicate the date that it was last modified or we may email you. You may refuse to agree to the amendments, but if you do, you must immediately cease using our Platform and our Platform.
38. Electronic Communications
The communications between you and ContraxAware use electronic means, whether you visit the Platform or send ContraxAware e-mails, or whether ContraxAware posts notices on the Platform or communications with you via mobile notifications or e-mail. For contractual purposes, you (1) consent to receive communications from ContraxAware in an electronic form; and (2) agree that all terms, conditions, agreements, notices, disclosures, and other communications that ContraxAware provides to you electronically satisfy any legal requirement that such communications would satisfy if it were to be in writing. The foregoing does not affect your statutory rights.
39. Export Controls
The Platform and the underlying information and technology may not be downloaded, accessed, or otherwise exported or re-exported (1) into (or to a national or resident of) any country to which the U.S. has currently embargoed goods; or (2) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. By downloading or using the Platform, you agree to the foregoing and you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list, and that you will otherwise comply with all applicable export control laws.
40. Platform Issues
Where you have any questions, issues, or if you are having trouble accessing or using the Platform, please contact us at email@example.com
41. California Users
Pursuant to California Civil Code Section 1789.3, any questions about pricing, complaints, or inquiries about ContraxAware must be sent to our agent for notice to: firstname.lastname@example.org Lastly, California Users are also entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.