T’s & C’s

Woven Bark Studios – Terms & Conditions

RETURNS POLICY
We want you to be happy with your purchase. If you are not completely satisfied, you can return the
product to us and we will either repair / replace it or credit your account, subject to the terms
below. This policy applies to products bought from Woven Bark Studios.
This policy forms part of the Woven Bark Studios Terms and Conditions and words defined in the
Terms and Conditions have the same meaning in this policy unless the context indicates otherwise.
Nothing in this policy is intended to limit your statutory rights in any way.

1. Unwanted Products
In general, you can return any unwanted product to us at no charge, provided:

  • it is undamaged and unused, with the original labels and stickers still attached;
  •  it is in the original packaging, which must be undamaged and in its original condition with all
    seals still intact (if applicable). Please refer to our FAQs for some examples;
  •  it is not missing any parts;
  • you log a return by e-mailing info@wovenbarkstudios.co.za within 7 days of delivery to you
    or collection by you of the unwanted product.

We will collect the product from you at no charge. Our courier is entitled to refuse collection of a
product that is not properly packaged for transport.
Once we have inspected the product and validated your return, we will credit your account with the
purchase price of the product within 8 days of the return (or refund you if that is your
preference).  Please bear in mind that refunds can take 5 – 10 working days to reflect in your
account. We are entitled to refuse a return if the unwanted product is returned damaged, not in a
re-saleable condition or missing any accessories.
Want to exchange?
We are happy to accept exchanges if such variation is available, and is available at the same price as
the product originally purchased. In such a case, we will collect the product from you and deliver the
requested product to you at no charge. If such variation is not immediately available, we will credit
your account with the purchase price of the product (or refund you if that is your preference) within
8 days of you logging the return.
We reserve the right to inspect the product to validate your return.
Not what you ordered?
If we accidentally deliver the wrong product to you or if the product is not as described on the
Website (or if it is missing any accessories), please notify us and we will collect the product from you
at no charge. Once we have inspected the product and validated your return, we will, at your choice,

deliver the correct product to you as soon as possible (if the correct product is available); or credit
your account with the purchase price of the product within 8 days of the return (or refund you if that
is your preference).

2.  Products damaged on delivery
Should a product be damaged at the time of delivery / collection, please notify us of such delivery /
collection by logging a return by e-mailing info@wovenbarkstudios.co.za.
We will arrange to collect the product from you at no charge. Once we have inspected the product
and validated your return, we will, at your choice, repair / replace the product as soon as possible (if
such repair / replacement is possible) or credit your account with the purchase price of the product
(or refund you if that is your preference). Credits and refunds are normally handled within 8 days of
logging the return (bear in mind that refunds can take 1-4 working days to reflect in your account).
Repairs and replacements could take longer, depending on parts / replacement availability.

3.  Defective products
We do our best to ensure that the products we deliver to you are of a high quality and without
defects.
What is a defect? A defect is a material imperfection in the manufacture of a product or any
characteristic of a product, which makes the product less acceptable than one would reasonably be
entitled to expect in the circumstances.
The following will NOT be regarded as defects and will not entitle you to a return under this section

  • faults resulting from normal wear and tear;
  •  damage arising from negligence, user abuse or incorrect usage of the product;
  • damage arising from electrical surges or sea air corrosion;
  • damage arising from a failure to adequately care for the product;
  • damage arising from unauthorised alterations to the product; and

Please e-mail info@wovenbarkstudios.co.za for any other questions.

T & C

This website is operated by Woven Bark Studios. Throughout the site, the terms “we”, “us” and
“our” refer to Woven Bark Studios. Woven Bark Studios offers this website, including all information,
tools and services available from this site to you, the user, conditioned upon your acceptance of all
terms, conditions, policies and notices stated here.

By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to
be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those
additional terms and conditions and policies referenced herein and/or available by hyperlink. These
Terms of Service apply to all users of the site, including without limitation users who are browsers,
vendors, customers, merchants, and/ or contributors of content.
Please read these Terms of Service carefully before accessing or using our website. By accessing or
using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all
the terms and conditions of this agreement, then you may not access the website or use any
services. If these Terms of Service are considered an offer, acceptance is expressly limited to these
Terms of Service.
Any new features or tools which are added to the current store shall also be subject to the Terms of
Service. You can review the most current version of the Terms of Service at any time on this page.
We reserve the right to update, change or replace any part of these Terms of Service by posting
updates and/or changes to our website. It is your responsibility to check this page periodically for
changes. Your continued use of or access to the website following the posting of any changes
constitutes acceptance of those changes.

SECTION 1 – ONLINE STORE TERMS
By agreeing to these Terms of Service, you represent that you are at least the age of majority in your
country of residence, or that you are the age of majority in your country of residence and you have
given us your consent to allow any of your minor dependents to use this site.
You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the
Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of the Terms will result in an immediate termination of your Services.

SECTION 2 – GENERAL CONDITIONS
We reserve the right to refuse service to anyone for any reason at any time.
You understand that your content (not including credit card information), may be transferred
unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and
adapt to technical requirements of connecting networks or devices. Credit card information is
always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of
the Service, or access to the Service or any contact on the website through which the service is
provided, without express written permission by us.
The headings used in this agreement are included for convenience only and will not limit or
otherwise affect these Terms.

SECTION 3 – ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION
We are not responsible if information made available on this site is not accurate, complete or
current. The material on this site is provided for general information only and should not be relied upon or

used as the sole basis for making decisions without consulting primary, more accurate, more
complete or timelier sources of information. Any reliance on the material on this site is at your own
risk.
This site may contain certain historical information. Historical information, necessarily, is not current
and is provided for your reference only. We reserve the right to modify the contents of this site at
any time, but we have no obligation to update any information on our site. You agree that it is your
responsibility to monitor changes to our site.

SECTION 4 – MODIFICATIONS TO THE SERVICE AND PRICES
Prices for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content
thereof) without notice at any time.
We shall not be liable to you or to any third-party for any modification, price change, suspension or
discontinuance of the Service.

SECTION 5 – PRODUCTS OR SERVICES
Certain products or services may be available exclusively online through the website. These products
or services may have limited quantities and are subject to return or exchange only according to our
Return Policy.
We have made every effort to display as accurately as possible the colors and images of our
products that appear at the store. We cannot guarantee that your computer monitor’s display of any
color will be accurate.
We reserve the right, but are not obligated, to limit the sales of our products or Services to any
person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We
reserve the right to limit the quantities of any products or services that we offer. All descriptions of
products or product pricing are subject to change at any time without notice, at the sole discretion
of us. We reserve the right to discontinue any product at any time. Any offer for any product or
service made on this site is void where prohibited.
We do not warrant that the quality of any products, services, information, or other material
purchased or obtained by you will meet your expectations.

SECTION 6 – ACCURACY OF BILLING AND ACCOUNT INFORMATION
We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or
cancel quantities purchased per person, per household or per order. These restrictions may include
orders placed by or under the same customer account, the same credit card, and/or orders that use
the same billing and/or shipping address. In the event that we make a change to or cancel an order,
we may attempt to notify you by contacting the e-mail and/or billing address/phone number
provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our
sole judgment, appear to be placed by dealers, resellers or distributors.
You agree to provide current, complete and accurate purchase and account information for all
purchases made at our store. You agree to promptly update your account and other information,

including your email address and credit card numbers and expiration dates, so that we can complete
your transactions and contact you as needed.
For more detail, please review our Returns Policy.

SECTION 7 – SHIPPING
Shipping rates are dependent on your geographical location, there is a flat rate for shipping per
province and orders are delivered nationwide in South Africa ONLY.
Shipping only takes place through courier depending on the following:
Delivery via courier is door to door normally in 2 – 3 working days after payment has reflected in our
bank account.
Should you wish to check with us as to whether the courier delivers to your area, please
email info@wovenbarkstudios.co.za.
Shipping/delivery charges for all international orders (any order outside of South Africa) must be
quoted for on an ad-hoc basis on/ before / after the order has been placed. The delivery quote must
be accepted by the customer before delivery is arranged. Woven Bark Studios will not be liable for
International courier costs.
Deliveries do not take place over weekends and public holidays and could be delayed if stock is not
readily available, however we will inform you of this and then give you the option to amend your
order, request a refund or wait for stock to come in. (For more detail, please review our Returns
Policy)
Orders are only released once payment is received and reflected in the bank account.
Orders placed over a weekend or public holiday will only be processed on the next working day.
Once the order is shipped you will receive an e-mail confirming shipment including any tracking
information if applicable.
All items purchased from Woven Bark Studio’s store are made pursuant to agreements with shipping
and delivery agents and risk of loss pass from Woven Bark Studios store to such agents upon delivery
of any item to such carrier.

SECTION 8 – ERRORS, INACCURACIES AND OMISSIONS
Occasionally there may be information on our site or in the Service that contains typographical
errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers,
product shipping charges, transit times and availability. We reserve the right to correct any errors,
inaccuracies or omissions, and to change or update information or cancel orders if any information
in the Service or on any related website is inaccurate at any time without prior notice (including
after you have submitted your order).
We undertake no obligation to update, amend or clarify information in the Service or on any related
website, including without limitation, pricing information, except as required by law. No specified

update or refresh date applied in the Service or on any related website should be taken to indicate
that all information in the Service or on any related website has been modified or updated.

SECTION 9 – PROHIBITED USES
In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using
the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in
any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws,
or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual
property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate,
or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or
disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other
type of malicious code that will or may be used in any way that will affect the functionality or
operation of the Service or of any related website, other websites, or the Internet; (h) to collect or
track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape;
(j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of
the Service or any related website, other websites, or the Internet. We reserve the right to
terminate your use of the Service or any related website for violating any of the prohibited uses.

SECTION 10 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
We do not guarantee, represent or warrant that your use of our service will be uninterrupted,
timely, secure or error-free.
You expressly agree that your use of, or inability to use, the service is at your sole risk. The service
and all products and services delivered to you through the service are (except as expressly stated by
us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or
conditions of any kind, either express or implied, including all implied warranties or conditions of
merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-
infringement.
In no case shall Woven Bark Studios, our directors, officers, employees, affiliates, agents,
contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or
any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including,
without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any
similar damages, whether based in contract, tort (including negligence), strict liability or otherwise,
arising from your use of any of the service or any products procured using the service, or for any
other claim related in any way to your use of the service or any product, including, but not limited
to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of
the use of the service or any content (or product) posted, transmitted, or otherwise made available
via the service, even if advised of their possibility. Because some states or jurisdictions do not allow
the exclusion or the limitation of liability for consequential or incidental damages, in such states or
jurisdictions, our liability shall be limited to the maximum extent permitted by law.

SECTION 11 – INDEMNIFICATION
You agree to indemnify, defend and hold harmless Woven Bark Studios and our parent, subsidiaries,
affiliates, partners, officers, directors, agents, contractors, licensors, service providers,
subcontractors, suppliers, interns and employees, harmless from any claim or demand, including
reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these
Terms of Service or the documents they incorporate by reference, or your violation of any law or the
rights of a third-party.

SECTION 12 – CHOICE OF LAW
This Website is controlled, operated and administered by Provider from its offices within the
Republic of South Africa. Access to the Website from territories or countries where the Content or
purchase of the products sold on the Website is illegal is prohibited. The User may not use this
Website in violation of South African export laws and regulations. If the User accesses this Website
from locations outside of South Africa, that User is responsible for compliance with all local laws.
These Terms and Conditions shall be governed by the laws of the Republic of South Africa, and the
User consents to the jurisdiction of the Witwatersrand High Court in the event of any dispute. If any
of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be
invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as
to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and
Conditions shall continue in full force and effect. These Terms and Conditions constitute the entire
agreement between the Provider and the User with regard to the use of the Content and this
Website.

SECTION 13 – TERMINATION
The obligations and liabilities of the parties incurred prior to the termination date shall survive the
termination of this agreement for all purposes.
These Terms of Service are effective unless and until terminated by either you or us. You may
terminate these Terms of Service at any time by notifying us that you no longer wish to use our
Services, or when you cease using our site.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or
provision of these Terms of Service, we also may terminate this agreement at any time without
notice and you will remain liable for all amounts due up to and including the date of termination;
and/or accordingly may deny you access to our Services (or any part thereof).

SECTION 14 – CHANGES TO TERMS OF SERVICE
You can review the most current version of the Terms of Service at any time at this page.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of
Service by posting updates and changes to our website. It is your responsibility to check our website
periodically for changes. Your continued use of or access to our website or the Service following the
posting of any changes to these Terms of Service constitutes acceptance of those changes.

SECTION 20 – CONTACT INFORMATION

Questions about the Terms of Service should be sent to us at info@wovenbarkstudios.co.za.

PRIVACY

General
Your privacy is important to us. Our goal is to provide you with a personalized online experience that
provides you with the information, resources, and services that are most relevant and helpful to you.

This Privacy Policy has been written to describe the conditions under which this web site is being
made available to you. The Privacy Policy discusses, among other things, how data obtained during
your visit to this web site may be collected and used. We strongly recommend that you read the
Privacy Policy carefully. By using this web site, you agree to be bound by the terms of this Privacy
Policy. If you do not accept the terms of the Privacy Policy, you are directed to discontinue accessing
or otherwise using the web site or any materials obtained from it. If you are dissatisfied with the
web site, by all means contact us; otherwise, your only recourse is to disconnect from this site and
refrain from visiting the site in the future.
The process of maintaining a web site is an evolving one, and the Operators may decide at some
point in the future, without advance notice, to modify the terms of this Privacy Policy. Your use of
the web site, or materials obtained from the web site, indicates your assent to the Privacy Policy at
the time of such use. The effective Privacy Policy will be posted on the web site, and you should
check upon every visit for any changes.
Sites Covered by this Privacy Policy
This Privacy Policy applies to all the Operators-maintained web sites, domains, information portals,
and registries.
Children’s Privacy
The Operators are committed to protecting the privacy needs of children, and we encourage parents
and guardians to take an active role in their children’s online activities and interests. The Operators
do not intentionally collect information from minors, and the Operators do not target its web site to
children.
Links to Non-Operators Web Sites
The Operators’s web sites may provide links to third-party web sites for the convenience of our
users. If you access those links, you will leave the Operators’s web site. the Operators do not control
these third-party websites and cannot represent that their policies and practices will be consistent
with this Privacy Policy. For example, other web sites may collect or use personal information about
you in a manner different from that described in this document. Therefore, you should use other
web sites with caution, and you do so at your own risk. We encourage you to review the privacy
policy of any web site before submitting personal information.
Types of Information We Collect
Non-Personal Information
Non-personal information is data about usage and service operation that is not directly associated
with a specific personal identity. The Operators may collect and analyze non-personal information to
evaluate how visitors use the Operators’s web sites (eg. via Google Analytics)
Aggregate Information
The Operators may gather aggregate information, which refers to information your computer
automatically provides to us and that cannot be tied back to you as a specific individual. Examples
include referral data (the web sites you visited just before and just after our site), the pages viewed,
time spent at our Web site, and Internet Protocol (IP) addresses. An IP address is a number that is
automatically assigned to your computer whenever you access the Internet. For example, when you

request a page from one of our sites, our servers log your IP address to create aggregate reports on
user demographics and traffic patterns and for purposes of system administration.
Log Files
Every time you request or download a file from the web site, the Operators may store data about
these events and your IP address in a log file. The Operators may use this information to analyze
trends, administer the web site, track users’ movements, and gather broad demographic
information for aggregate use or for other business purposes.
Cookies
Our site may use a feature of your browser to set a “cookie” on your computer. Cookies are small
packets of information that a web site’s computer stores on your computer. The Operators’s web
sites can then read the cookies whenever you visit our site. We may use cookies in a number of
ways, such as to save your password so you don’t have to re-enter it each time you visit our site, to
deliver content specific to your interests and to track the pages you’ve visited. These cookies allow
us to use the information we collect to customize your experience so that your visit to our site is as
relevant and as valuable to you as possible.
Most browser software can be set up to deal with cookies. You may modify your browser preference
to provide you with choices relating to cookies. You have the choice to accept all cookies, to be
notified when a cookie is set or to reject all cookies. If you choose to reject cookies, certain of the
functions and conveniences of our web site may not work properly, or not work at all. We do not link
non-personal information from cookies to personally identifiable information without your
permission.
Personal Information
Personal information is information that is associated with your name or personal identity. The
Operators use personal information to better understand your needs and interests and to provide
you with better service. On some of the Operators web pages, you may be able to request
information, subscribe to mailing lists, participate in online discussions, collaborate on documents,
provide feedback, submit information into registries, register for events, apply for membership, or
join technical committees or working groups. The types of personal information you provide to us on
these pages may include name, address, phone number, e-mail address, user IDs, passwords, billing
information, or credit card information.
Members-Only Web Sites
Information you provide on Operators’s membership applications is used to create a member
profile, and some information may be shared with other of the Operators’s individual member
representatives and organizations. Member contact information may be provided to other members
on a secure web site to encourage and facilitate collaboration, research, and the free exchange of
information among the Operators’s members, but we expressly prohibit members from using
member contact information to send unsolicited commercial correspondence. The Operators’s
members may be automatically added to the Operators’s mailing lists. From time to time, member
information may be shared with event organizers and/or other organizations that provide additional
benefits to the Operators’s members. By providing us with your personal information on the
membership application, you expressly consent to our storing, processing, and distributing your
information for these purposes.

How We Use Your Information
The Operators may use non-personal data that is aggregated for reporting about the Operators’s
web site usability, performance, and effectiveness. It may be used to improve the experience,
usability, and content of the site.
The Operators may use personal information to provide services that support the activities of the
Operators’s members and their collaboration on the Operators’s standards and projects. When
accessing the Operators’s members-only web pages, your personal user information may be tracked
by the Operators in order to support collaboration, ensure authorized access, and enable
communication between members.
Credit card information may be collected to facilitate membership applications; or if you purchase a
product or service from our website, such information will not be kept longer than necessary for
providing the services requested. Credit card numbers are used only for processing payment and are
not used for other purposes. Payment processing services may be provided by a third-party payment
service, and a management company external to the Operators may provide support for the
financial activities of the Operators. the Operators may share your personal information with its
partners to facilitate these transactions.
Information Sharing
The Operators does not sell, rent, or lease any individual’s personal information or lists of email
addresses to anyone for marketing purposes, and we take commercially reasonable steps to
maintain the security of this information. However, the Operators reserve the right to supply any
such information to any organization into which the Operators may merge in the future or to which
it may make any transfer in order to enable a third party to continue part or all of its mission. We
also reserve the right to release personal information to protect our systems or business, when we
reasonably believe you to be in violation of our Terms of Use or if we reasonably believe you to have
initiated or participated in any illegal activity. In addition, please be aware that in certain
circumstances, the Operators may be obligated to release your personal information pursuant to
judicial or other government subpoenas, warrants, or other orders.
In keeping with our open process, the Operators may maintain publicly accessible archives for the
majority of our activities. For example, posting an email to any of the Operators’s-hosted public mail
lists or discussion forums, subscribing to one of our newsletters or registering for one of our public
meetings may result in your email address becoming part of the publicly accessible archives.
On some sites, anonymous users are allowed to post content and/or participate in forum
discussions. In such a case, since no user name can be associated with such a user, the IP address
number of a user is used as an identifier. When posting content or messages to a Operators site
anonymously, your IP address may be revealed to the public.
If you are a registered member of an Operators’s website or email list, you should be aware that
some items of your personal information may be visible to other members and to the public. The
Operators’s member databases may retain information about your name, e-mail address, company
affiliation (if an organizational member), and such other personal address and identifying data as
you choose to supply. That data may be visible to other of the Operators’s members and to the
public. Your name, e-mail address, and other information you may supply also may be associated in
the Operators’s publicly accessible records with the Operators’s various committees, working
groups, and similar activities that you join, in various places, including: (i) the permanently-posted
attendance and membership records of those activities; (ii) documents generated by the activity, which

may be permanently archived; and, (iii) along with message content, in the permanent
archives of the Operators’s e-mail lists, which also may be public.
Please remember that any information (including personal information) that you disclose in public
areas of our web site, such as forums, message boards, and news groups, becomes public
information that others may collect, circulate, and use. Because we cannot and do not control the
acts of others, you should exercise caution when deciding to disclose information about yourself or
others in public forums such as these.
Given the international scope of the Operators websites, personal information may be visible to
persons outside your country of residence, including to persons in countries that your own country’s
privacy laws and regulations deem deficient in ensuring an adequate level of protection for such
information. If you are unsure whether this Privacy Policy is in conflict with applicable local rules,
you should not submit your information. If you are located within the European Union, you should
note that your information will be transferred to the United States, which is deemed by the
European Union to have inadequate data protection. Nevertheless, in accordance with local laws
implementing European Union Directive 95/46/EC of 24 October 1995 (“EU Privacy Directive”) on
the protection of individuals with regard to the processing of personal data and on the free
movement of such data, individuals located in countries outside of the United States of America who
submit personal information do thereby consent to the general use of such information as provided
in this Privacy Policy and to its transfer to and/or storage in the United States of America.
If you do not want your personal information collected and used by the Operators, please do not
visit the Operators’s web site or apply for membership of any of the Operators’ websites or email
lists.
Access to and Accuracy of Member Information
The Operators are committed to keeping the personal information of our members accurate. All the
information you have submitted to us can be verified and changed. In order to do this, please email
us a request. We may provide members with online access to their own personal profiles, enabling
them to update or delete information at any time. To protect our members’ privacy and security, we
also may take reasonable steps to verify identity, such as a user ID and password, before granting
access to modify personal profile data. Certain areas of the Operators’s web sites may limit access to
specific individuals through the use of passwords or other personal identifiers; a password prompt is
your indication that a members-only resource is being accessed.
Security
The Operators make every effort to protect personal information by users of the web site, including
using firewalls and other security measures on its servers. No server, however, is 100% secure, and
you should take this into account when submitting personal or confidential information about
yourself on any web site, including this one. Much of the personal information is used in conjunction
with member services such as collaboration and discussion, so some types of personal information
such as your name, company affiliation, and email address will be visible to other the Operators’s
members and to the public. The Operators assume no liability for the interception, alteration, or
misuse of the information you provide. You alone are responsible for maintaining the secrecy of your
personal information. Please use care when use access this web site and provide personal
information.
Opting Out

From time to time the Operators may email you electronic newsletters, announcements, surveys or
other information. If you prefer not to receive any or all of these communications, you may opt out
by following the directions provided within the electronic newsletters and announcements.