Terms of service

1. GENERAL TERMS AND CONDITIONS

2. ACCOUNTS

3. SUBMITTING AN APPLICATION

4. GENERAL USE OF THE SERVICE

5. Your Responsibilities.

6. USER CONTENT; LICENSE TO Ficto; FEEDBACK

7. Subscriptions, Payment Terms, and Order Processing

8. EXTERNAL WEBSITES.

9. TERM AND TERMINATION

10. INTELLECTUAL PROPERTY POLICY

11. LIMITATIONS ON LIABILITY AND WARRANTY DISCLAIMER

12. DISPUTE RESOLUTION

13. Governing Law; Choice of Forum

The laws of the State of California, excluding its conflicts of law rules, govern these Terms and your use of the Service.  Your use of the Service may also be subject to other local, state, national, or international laws; provided however, that the United Nations Convention on Contracts for the international Sale of Goods will not apply to any provision of these Terms. 

14. INDEMNITY

15. CONSENT TO ELECTRONIC COMMUNICATIONS

16. GENERAL