THE WEB SITE, THE SERVICES, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE UNIQUE CARD SERVICES™ SHOPPING CARD MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. 24. The arbitrator's authority is limited solely to the Claims between You and the Company alone. 30. However, any participatory hearing that You attend shall take place in Fayette County, Pennsylvania. Plus, you earn 1% cash back on your purchases! 5. NOTICE FOR MARRIED WISCONSIN RESIDENTS: No Agreement, unilateral statement or court decree relating to marital property adversely affects a creditor’s interest, unless prior to the time credit is granted the creditor is furnished a copy of the Agreement, statement or decree, or has actual knowledge of the adverse position. Visa Gold Credit Card: Gold Standard Rewards. You and the Company do not intend that any agency or partnership relationship be created through operation of this Agreement. The Minimum Monthly Payment does not automatically decrease as Your Account balance decreases. Launched in July 2006, Credit 4 Everyone has helped tens of thousands of customers get the credit they deserve. You also certify that all the Application Data You supplied to the Company is true, accurate and verifiable. NOTICE TO AUTHORIZED CARD MEMBERS: As a member of VNSNY CHOICE Total (HMO D-SNP), you are covered for up to $132 a month for OTC and Grocery items. You certify that You have read, understand and agree to all the Terms and Conditions and Disclosures written in this Agreement. It will be billed every 30 days and will continue to be processed until Your Account is cancelled by calling 1-888-805-7648 or at memberservices@uniquecardservices.com. State of Illinois - CIP, PO Box 10181, Springfield, IL 62701. 2. Need help? Horizon Gold Card Sign In . IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, THE COMPANY AND THE COVERED PARTIES ARE NOT LIABLE TO YOU AND/OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS; LOSS OF PROFITS; DAMAGE TO REPUTATION OR GOODWILL; DEGRADATION IN VALUE OF BRANDS; TRADE NAMES; TRADEMARKS, SERVICE NAMES OR SERVICE MARKS; LITIGATION; OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, FAILURE TO WARN OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 11. The Cardholder’s Rights and The Company’s Responsibilities After The Company Receives The Cardholder’s Written Notice. Horizon Gold Card Shopping Website By accessing or using this Web Site, the Services and/or Your Account, You do not acquire ownership rights to any content, document, software, service or other materials viewed at or through the Web site, the Services and/or Your Account. Merchandise return policies and instructions are explained on the product order forms and/or on the UNIQUE CARD SERVICES™ Shopping Club Web Site. NOTICE FOR NEW YORK RESIDENTS: A Consumer Credit Report may be requested in connection with this application or in connection with updates, renewals, or extensions of any credit granted as a result of this application. As an exception to arbitration, You and We retain the right to pursue in a small claims court located in the state or federal judicial district that includes Your billing address at the time of the Claim, any Claim that is within the court's jurisdiction and proceeds on an individual basis. You agree that any claim with regard to any services shall be made against the vendor of such services and not the Company, and that the Company’s sole obligation hereunder shall be to allow access to the vendor/benefit provider. You may ask whether the Company obtained a Consumer Report and the Company will tell You the name and address of the Consumer-Reporting Agency, if a report was obtained.