Use of this site by you (“User”) is subject to the terms and conditions contained on this site. User agrees that submission of any data through this site or through the use of any savings tools or other savings calculators on this site is voluntary and User authorizes AArete LLC to process any data submitted to AArete LLC through this site or any savings tool or calculator in AArete LLC’s sole discretion. User understands and agrees that calculating potential savings depends on multiple factors and analysis and User understands and agrees that the savings tools or calculators used on this site are only a representation or potential estimate of potential savings and are not guaranteed or warranted in the event of any relationship between User and AArete LLC. User further agrees and understands that any savings calculations simulated through this site and any tool or calculator contained on this site are not binding between User and AArete LLC or any other third party. User waives, relinquishes and disclaims any and all liability against AArete LLC related to the processing of any data through this site and any use of this site or any use of any savings tools or calculators contained on this site. User understands and agrees that User’s sole remedy against AArete LLC related to this site, any savings tools or calculators on this site, or related to any submissions or processing of data is to cease using this site immediately.