Terms and Conditions

Terms & Conditions of Agreement to Purchase:

Cosmic Countertops, LLC. shall be known as “Contractor” and Customer shall be known as “Owner” hereinafter; all Sub-Contractors are Customers of Cosmic Countertops, LLC.:

1) Scope of Work: The Contractor shall provide all stated line itemized materials, products, services, labor, and installation as required to perform the scope of work on the Purchase Agreement and for the stated total price. The invoice within the “Purchase Agreement” is therefore made a part of this agreement. No agreements, deals, additions, required products, services, labor and/or installation shall be outside of this written agreement. All agreements must be in writing and incorporated within this Purchase Agreement; no verbal agreements will be accepted or fulfilled. All changes to agreements must be documented on a Change Order Form within an Updated Purchase Agreement and Approved with signature by Owner and Contractor. If an Owner provides outside of this agreement any products and/or materials, said products and/or materials will not be covered by Contractors’ Warranty or guaranteed by Contractor within the Purchase Agreement. If Owner’s materials are deemed damaged, broken, and/or unusable; Owner is responsible for any and all corrections and/or replacements along with a rescheduling fee to Contractor. All in home, shows, events, showroom, design center, vendor location, third-party locations, reseller locations, other place of business, etc. agreements by Design Consultants, Sales Reps, Contractor Reps, other Retail Vendors and/or other Resellers, are not valid until approved by Contractor Sales Manager. Commercial project outlines are based upon each specific project and can be addressed by the Project Coordinator.

2) General Project Timeline: Timelines are based upon Production Department business days Monday – Friday and with any weekend purchases starting on the next Production Department business day. Please note the timeline will vary based upon “General” conditions including the Scope of Work, the season, holidays, weather conditions, vendor supplies, special orders, time of installation, traffic and/or distance, etc. A “General” residential timeline is from time of Template to installation will be typically 10-14 business days; this is best achieved with an Owner scheduling, responding, returning as required appointments, documents and additional selections in a timely manner coupled with the above-mentioned conditions/factors. “General” Contractor timeline breakdown: Contractor Request for Templating typically within 2-3 business days of Purchase Agreement; Following the Templating Appointment typically within 2-4 business days for “Updated Purchase Agreement”, “Countertop Layout Approval” and/or “Slab Layout Approval” coupled with the above-mentioned conditions/factors. Following the Owner approved, signed, and dated documents the project is moved into Full Production Phase typically for a time 8-10 business days coupled with the above-mentioned conditions/factors. Completion of the Full Production Phase the Owner is scheduled for installation in conjunction if/with an additional service, products, etc. as outlined within the Updated Purchase Agreement. Please note Contractor offers a “Front of the Line Rush” also known as an “Expedited Service” and has limited availability with a fluctuating cost based upon the season, general availability and production levels; please speak with the Project Coordinator for specific details and options. *Please note the attached timeline for guidance

3) Payment: Owner authorizes Contractor to process the payment for services and products outlined within the Purchase Agreement. Owner understands if the balance is not paid in full, the balance must be paid in full prior to the start of any services and/or product deliveries or as outlined within the Purchase Agreement. Owner hereby allows Contractor to process any additional payment as agreed within Purchase Agreement without an additional signature page. Owner hereby understands Contractor provides a cash value price first. Owner understands Authorizations are Non Refundable & All Sales Final. Outline below is excluding consumer financing and/or Third-Party Financing, construction project production, labor, and installation such as countertop, backsplash, tile, cabinets, etc. will require a 60% payment of the total sales price of the project due upon agreement unless expressed differently in written format. A final payment of the remaining balance of the project will be due upon completion unless expressed differently in written format. All Commercial, Retail Vendors and/or Reseller accounts must be paid in full at the time of agreement. All payments are to be considered as an agreement to the terms of the Purchase Agreement, measurements, and/or templates. Adjustments, additions, or changes to the Purchase Agreement must be in writing and all additional changes paid for in full before proceeding. Special order material and/or stocked products (stone slabs, quartz slabs, tiles, vanities, sinks, faucets, accessories, etc.) must be paid in full when purchased outside or in addition to a construction project if not already agreed within Purchase Agreement. Any material and/or product balances must be paid in full prior to installation of said material and/or product; remaining “Scope of Work” balances (countertops, backs plash, tile, cabinet, etc.) are due upon completion; completion is defined as Contractor crews have finalized installation of respected products and/or services (additional services and/or vendors, such as sealing, cleaning, plumbing, electrical, etc. are not factored of completion). Any fine-tuning, sealing, wall minor issues, and/or warranty work that might be required and thereby scheduled for a follow-up date after the last day of installation are not grounds for delay of final payment of the balance in full. Final payment not collected upon completion will move to collections after 7 days and start to accrue penalty charges. Contractor reserves the right to require any payment in the form of certified funds. Contractor may decline a credit card payment if the card is not physically presented. If payment is made by another party, that party must be a party to the transaction documents and a signer of the Purchase Agreement including the Owner. Warranty will be considered “VOID” if final payment is not made prior to collections. Contractor has the right to send all collections due to a Third-Party Collection Agency without notice. If the Owners select specific materials from a supplier and/or importer and later reject the materials after they have been delivered to Contractor, there will be a re-stocking fee and return delivery fee payable by Owner up to 100% of all payments. Owners recognize and accept that failure to pay in full, for the materials and/or services provided by the Contractor, can result in legal proceedings for recovery of monies owed, seizure of personal property to pay debts, and/or that of a lien on project property for any and all balances owed including legal fees, collection fees and/or third party collection fees. Owner also agrees that any amount that goes into lien proceedings or debt collection will include the costs of said collection. Any check returned for “insufficient funds” or “stripped check” or cancelled credit card charge shall create an additional charge to the balance due of 10% per occurrence and merchant credit card process reversal fees. Any delay in payment for any reason will incur accumulation of interest charges at the rate of 0.5% per day, beginning on the day after installation or 7 days after the invoice date for any materials, services, products, etc. plus a 3% penalty fee for any payment that is 30 days late. Owners agree to provide sufficient information to facilitate a check of their credit worthiness if requested by the Contractor. Any and all sales are final.

4) Slab Payments/Pickups: Any purchased slabs by Owner not being installed by Contractor, must be picked up or delivered to an agreed upon destination no later than 5 business days after purchase date or final payment. If Owner neglects to pick up or schedule within the timeline given, a fee of $49.00/week will be assessed for 90 days or until picked up. If Owner has not picked up slabs within allocated 90 days, slabs will become property of the Contractor and can be sold to a third-party to settle unpaid holding fee’s and will be unavailable for Owner. No refunds and/or credit will be provided.

5) Revisions: Any revisions made to the Scope of Work, the Owner must note, sign and date an Update Purchase Agreement. If there are two or more Owners; any one Owner or an Owner’s spouse not listed as an Owner on the “Purchase Agreement” but residing within the same residence can approve, sign and date for revisions and modifications on all documents. If the Owner wishes to change the installation date, there may be an extensive delay for the next available installation date, this can vary based upon business flow and season. If an Owner requests a Saturday installation there may be a surcharge of up to $399. ANY CHANGES MADE AFTER THE TEMPLATING & MEASUREMENT APPOINTMENT MUST BE SUBMITTED IN WRITING TO THE CONTRACTORS SALES REPRESENTATIVE AND/OR INSIDE SALES REPRESENTATIVE WHO IS SPECIFFICALY ASSIGNED TO THE OWNERS PROJECT. IF CHANGES TO “SCOPE OF WORK” ARE NOT SUBMITTED AND AGREED WITHIN PURCHASE AGREEMENT, CONTRACTOR IS NOT RESPONSIBLE FOR SUCH CHANGES. When Contractor is providing materials, Owner should make selections of products/materials, including slabs, prior to the Templating Appointment. Project selections must be agreed on prior to production commencement. Last-minute changes in selection may result in a delay and/or additional expedited delivery charges to the project. This agreement may be executed in separate parts to facilitate signature. Digital, faxed and/or emailed copies are deemed to be acceptable as originals. This “Purchase Agreement” represents the entire agreement, and no verbal or other understanding shall be deemed to supersede or alter this agreement. Please note that the color/shade of the material can vary significantly. In most cases, one slab in the bundle may vary from the other slabs in the same bundle. Granite, marble, travertine, quartzite, onyx, slate, and other natural stones are naturally produced within the Earth and subject to variations in veining, coloring, light scratching, patterns, thickness, depth, and dimensions. Natural stones often have several industry names for the same stone. The name displayed does not represent the only industry name for a particular stone and does not necessarily represent the actual colors prominent in the slab used for any project.

6) Templating & Measurements: Templating and Measurements shall be referred to as Templating Appointment hereinafter. Templating Appointment is the official basis for square footage calculations. Tape measurements can be the only form of measurements, as not all projects will require lasers or hard templates. Owner must have current countertops removed to ensure ideal measurements; if Owner does not have current/old countertops removed Contractor shall make measurements based upon best professional estimate for measuring; all current/old countertop must be cleared of all items; Contractor assumes no liability if Owner does not have current/old countertops removed, and Contractor’s representative will work cooperatively with Owner onsite during the Templating Appointment outlining any possible challenges and/or any inconsistences to overcome and ensure accuracy and approval with Owner prior to moving into final cut measurements with corresponding slab layouts with imaging and cuts, countertops birds eye view layout and if required project laser measurements. All cabinets must be completely installed in their final position before the Templating Appointment can begin, and they must not be moved, removed, and/or reinstalled in any way after the Templating Appointment has been performed as these measurements are used for the final cut measurements, if the above happens it could cause the slabs to be cut/fabricated possibly incorrectly; if cabinet changes occur, as outlined above after the Templating Appointment, it can result in the outcome of the quality of the countertops. The Owner must communicate and disclose any cabinet changes as outlined above after the Templating Appointment to the Contractor in writing prior to approval by the Owner of the updated paperwork signing offs of the “Update Purchase Agreement”, “Countertop Layout Approval” and “Slab Layout Approval” which is created from the Templating Appointment information for the fabrication of the project. Simply said, Owner do not move your cabinets after the Templating Appointment because the Contractor will have performed 87% of the project based upon the Templating Appointment information, including materials cuts, that can’t be uncut, fabrication and production all prior to the installation based upon the Owner approved updated paperwork of the “Update Purchase Agreement”, “Countertop Layout Approval” and “Slab Layout Approval”. If the Owner does not communicate and disclose to the Contractor any cabinet changes as outlined above after the Templating Appointment, the Contractor may cancel this agreement and retain the deposit as Compensation due to 87% of the project fulfillment per Owner document approvals. Existing back splashes may have to be removed at templating to ensure accuracy at the actions or cost of Owner. This may result in a modification to the Scope of Work and/or additional costs if this was not a part of the original Scope of Work. If a material not provided by Contractor is planned for the back splash; Contractor must be informed in writing of the thickness of the material and the method of installation before fabrication can begin. The Owners shall provide the make, model, and template of cook-tops, sinks and faucets from the manufacturer with preferable installation instructions and cut out dimensions. Please note industry standards for kitchen faucet, vanity faucet(s), soap dispenser, water filtration dispenser, sprayer, etc. are a 1 3/8” core hole size. Contractor must measure, calculate and inspect at the Templating Appointment in insure sizes, core holes, mounting aspects, etc. If Owner is not purchasing faucet(s), sink(s), etc. from Contractor the Owner shall have any and all cook tops, sinks, cabinets, faucets, hoods, vents etc. at the time of templating or possibly incur a rescheduling with penalties. If the sink is an under-mount, the sink with template must be in the possession of the Contractor before fabrication can begin. If an existing sink or cook-top is to be re-used Contractor shall assume no liability with the function, condition, and/or workability of re-used products. Cabinets must be within 1/16 inch of level or there may be additional charges for shimming/leveling of the countertop. If Owners are installing new cabinets, they must be installed to meet manufacturer specifications. Contractor is not responsible for moving or re-leveling cabinets or building additional support for the counter tops unless specifically outlined within the scope of work. Template Appointment is booked in four-hour arrival time windows; this is due to size and complexity of prior appointments, weather, distance, traffic and/or road conditions between respected appointments. Owner must be present during the Templating Appointment to approve all finalized project details prior to proceeding to Updated Purchase Agreement approval prior to moving into “Full Production Phase”. If Customer cancels or reschedules Templating Appointment, a rescheduling fee maybe assessed. Templating is the basis of actual project square footage to calculate price; Designer appointments, Customer outlines, Reseller estimates, show estimates, etc. serve only as a layout of pricing factors based upon rough square footage. Owner will be responsible for any adjustments in price based upon actual square footage. Package pricing does not represent final price if rough square footage is not accurate during initial measurements prior to expert templating. If Owner is adding an Apron Sink, also known as a Farmhouse Sink, to existing cabinets that must be altered by a Carpenter and this is not a line item purchase on the Purchase Agreement, the Owner must have this process completed prior to Templating Appointment. Owner is encouraged to discuss the template thoroughly and discuss seams to ensure complete agreement and transparency.

7) Preparation: If not a line item on the Purchase Agreement the Owner is responsible for disconnections of waterlines and drains, gas line and/or electrical (if required) unless agreed otherwise in the Scope of Work prior to project install date. This is a line item aspect and was not included by the Sales Representative or Project Manager as an oversight in which is corrected by the Template Technician during the Templating Appointment. Prior to installation remove all contents of cabinets and clear all existing counter tops as demolition creates dust and debris that can damage cabinet contents. Ensure electrical power is available for use, clear pathways from the main entry ways to the installation area and remove countertops and back splash unless agreed otherwise. Owner to seal adjacent rooms from dust as desired or request for an additional charge for the Contractor to do so. Owner shall have all vanity mirrors removed prior to install date. Due to the nature of construction Contractor assumes no responsibility for damages, broken items (including vanity mirrors), plumbing issues (including leaks), electrical issues, etc. Notify your Project Manager or Sales Representative in writing of any special issues or concerns. Instruct all persons on site not to use the new countertops as a work bench or stand on them. Do not schedule other trades on same day(s) as any work under this Purchase Agreement. Owner shall allow at least two days for installation of the counter tops. Plumbing and electrical sub-contracted re-connections are generally scheduled the next business day after installation is complete, allowing time for adhesives and caulks to cure properly. Note: Contractor’s employees do not install appliances, reconnect electrical or plumbing under any circumstances and Owner shall not ask Contractor’s installation team for these services. Most sinks do not come with any drain fittings or flanges. Owners shall coordinate this with their installation plumber unless Contractor coordinates this as agreed in the Scope of Work.

8) Installation Day(s): Owner must be present and/or ensure the property is open and accessible at the scheduled time and the driveway or work area is clear. If the Owner is not at the project on the scheduled time and day, there can be a $200.00 re-mobilization charge. Owner must ensure pets and children are kept out of the construction area for their safety; ensure birds or other sensitive pets are kept far away from where solvents and adhesives may be used. Owner must be present to pay the remaining balance in full or otherwise make arrangements prior to completion of the project. Once started, please stand clear and prevent distractions with the installer. Contractor works to leave a construction project clean however additional cleaning may be required at the Owners responsibility to Owner’s preferred level of cleanliness. OWNER SHALL BE PRESENT TO INSPECT ALL WORK WHEN CONTRACTOR HAS COMPLETED THE COUNTERTOP INSTALLATION AND NOTE ANY DEFICIENCIES ON CONTRACTORS COMPLETION FORM FOR EACH PHASE (IF REQUIRED), PHONE CALL OR VIA EMAIL PRIOR TO PRODUCTION CREW LEAVING PROJECT, SO ANY CONCERNS CAN BE ADDRESSED AT THAT TIME. IF OWNER IS NOT PRESENT WHEN EACH PHASE IS COMPLETE, AND A CALL-BACK IS IMMEDIATELY REQUESTED. IT IS AGREED WITHIN 24 HOURS OF COUNTERTOP COMPLETION THAT OWNER ACCEPTS THE WORK AND AGREES THERE ARE NO IN OR OUT OF SCOPE OF WORK DAMAGES IF OWNER IS NOT PRESENT AND NO EMAIL IS SENT TO PROJECT MANAGER OR SALES REPRESENTATIVE. PLEASE NOTE: COUNTERTOP INSTALLER AND TILE INSTALLER ARE NOT PART OF THE SAME CREW. 

9) Contractor Shall: Strive to arrive within the time of arrival window scheduled in respect to the General Project Timeline; install agreed services to industry standards; take all reasonable precautions to minimize damage; answer any and all questions through the assigned Project Coordinator as outlined during the Templating Appointment; explain the proper care and use of stone as requested; and schedule minor follow-up work if required on the project.

10) Limited Warranty: Contractor warranties first choice material product installation for 15 years on craftsmanship. Several product and material suppliers hold a separate warranty; Contractor warranty excludes products and materials (stone, quartz, tile, vanity, sink, faucet, accessories, etc.). Owner is responsible at Owner’s expense for other product and material warranties. Sealant warranties are provided only by the sealant suppliers with any and all claims being held by sealant supplier. Contractor holds no implied warranties. Countertops do not come sealed unless noted as a line item within the Purchase Agreement. Sealant services must be in writing and purchased prior to installation of countertops.

11) Estimates: All bids must be dated within the past 30 days and itemized by specific service, product, and price to be considered. Plumbing & Electrical: Contractor does not employ or warranty and assumes no liability for items relating to plumbing and electrical. An Owner can directly employ plumbing and electrical service providers outside of the agreement with Contractor. Services purchased from Contractor that involve plumbing and/or electrical are to provide a pass-through convenience to the Owner. The Owner assumes any and all liability for plumbing and electrical services. Owner must inspect all plumbing and electrical services to insure for normalcy (example: after old faucet is disconnected make sure valves are fully shutoff with no water leaking from valve). If Owner locates any concern to the normalcy of plumbing and electrical items, Owner must contact Contractor or Project Coordinator immediately; if Owner is unable to contact Contractor, Owner assumes any and all liability. Valves slowly disintegrate and breakdown over time and this goes undiscovered until a valve must be shutoff, Owner assumes all liability and cost if Owner’s valves must be replaced. Contractor assumes no liability or cost for any flood resulting in any leak. The Owner assumes any and all liability for electrical systems including plugs, switches, wiring, fuses and fuse boxes; Owner releases any and all claims towards Contractor.

12) Other Important Acknowledgements: Some stones and finishes may require additional maintenance to maintain appearance. While Contractor takes great care removing the old countertops and back splashes, there may be damage to the back splash, sheetrock, paint, stain, appliances, cabinets and/or walls depending on how firmly the existing materials were adhered or installed to the wall and the size; Contractor is not responsible for said repairs in these circumstances unless specified within the scope of work. Similarly, minor damage to paint or wood trim may be unavoidable. No walls are perfectly straight, so walls and sheetrock may need to be trimmed to enable correct installation of the counter tops. If Owner plans on retaining existing wallpaper, back splash, tile, or repainting, then Owner must discuss this with the Contractor at Templating Appointment and must be in writing. If Owner wishes to retain their existing backsplash, and the new counter tops do not fit below the old back splash, there may be a gap or an overlap from the new countertop surface and the old back splash because walls are rarely straight. Tile back splash may have varied amounts of adhesive applied. If that occurs, it is the responsibility of the Owner to fill this gap. Countertops are preferably best when on a level foundation, it may be necessary to place shims between cabinet tops and the base of the stone countertop to create this level surface. This can result in gaps between the cabinets and the counter tops. Contractor can fill gaps with a latex/silicone paintable caulk that is available that may vary in a range of colors, the Owner color selection must be made prior to installation from the Mapei color chart; if no selection is made prior to installation by the Owner in writing the head installer will use an industry standard color. Additional service fee of $299.00 if Owner request a different color within 72 hours of installation completion day. If the gap is greater than 1/4” the Owners must make separate arrangements to trim out the gap. Note that caulk used to fill large gaps may shrink as it dries, and matching colors are not guaranteed. Any additional application of caulk for this reason will be the responsibility of the Owner. In the event that the stone has to be re-fabricated, Owner will be responsible for purchasing the new material in full. Natural stone and quartz is much heavier than laminate countertops. Raised bar sits on a standard 4-inch pony wall with an overhang greater than 7 inches from the sheetrock may require additional support in the form of brackets or corbels provided by the Owner unless line itemized with in the Purchase Agreement. These options must be resolved prior to moving into the “Full Production Phase”. Similarly, 3 cm material cannot overhang a supporting cabinet by more than 10 inches without the Contractor Recommending additional support of brackets, corbels, frames and/or posts. The Owner is responsible for providing this support unless line itemized with in the Purchase Agreement. If the Owner decides to install countertop overhangs without the recommended support, the Contractor warranty will become null/void. Sometimes the edge of an old countertop will hang below the top of the existing cabinets and the cabinet may not be painted or stained for the uppermost ¾ inch. In this case the Owner is responsible for any refinishing of cabinet surfaces that may be revealed when the new countertops are installed. Stones with large veins and varied crystal/green sizes and marbles may be weaker and more susceptible to chipping and cracking. Some of these stones may require additional fabrication steps such as fiber glass or steel reinforcements. Owner shall discuss this prior to Templating Appointment. Minor cracks and breaks (up to 9 inches in length) in these types of stones are to be expected and additional fabrication will be required, rather than replaced, at the sole discretion of Contractor. Also, some edge designs are not compatible with weaker stones as excessive chipping may occur. Owner is encouraged to ask about this type of problem when selecting a stone and with Project Coordinator at the Templating Appointment. Owner shall ensure that addition slabs of their chosen stone are available when slabs are reserved. Occasionally, breakage does occur in manufacturing, transportation, or installation. If Owner selects the last slab available, Contractor cannot be responsible for color mismatches between any additional slab(s) that might need to be purchased and the original slab(s). Natural stones have variation in color, grain size/structure and veining across any given slab to some degree. Some quartz has variation in color, grain size/structure and veining across any given slab to some degree. Contractor takes great care to avoid any glaring variations in the finished counter tops but does not guarantee the slab material to be 100% homogeneous in character or movement layout. If Owner has any concerns, or if there are parts of the stone Owner specifically want to avoid, Owner must specify at the Templating Appointment. If this is not done the stone cannot be rejected at Templating Appointment. Layout meetings may be done for expensive or highly varied materials. Layout meetings are scheduled within 1-3 days after template appointment and limited to 30 minutes. Layouts can be done in person or through emails. Any special requests by the Owners to layout to the templates in any special way that creates excessive wastage can create additional charges. The Contractor reserves the right to position seams as necessary to address issues of structural support, stone strength, and excessive waste. Most natural stones contain pits and fissures or natural cracks. These are not considered a problem unless they displace or separate. Templates made over existing counter tops can contain many compromises and accuracy issues. As such there may be a gap between your new countertop and the walls of up to 7/8 inch which is normally covered by a new back splash of tile or stone. If a gap of this size is not acceptable to an Owner, then the countertops and back splash must be removed at Owner expense prior to templating and this needs to be communicated before Templating Appointment otherwise a re-mobilization charge will be incurred of $299.00. Even when templates are made over prepared cabinets there may still be significant variations in the walls such that some gaps are unavoidable. Old counter tops have overhangs between a ¼ inch and 1 ½ inch. Contractor targets an average overhang of 1 ½ inch (1 ¼ to 1 ¾ inch) depending on how existing cabinets have been installed. Overhangs above this amount must be incorporated into the templating process. Contractor may call during the “Full Production Phase" to check that no changes have occurred in choices made earlier by the Owner, but it is the responsibility of the Owner to communicate any desired changes. If changes are made after the Updated Purchase Agreement, there is no guarantee they can be fulfilled or incorporated without additional cost. If Contractor and/or its affiliates coordinates the scheduling of electrical or plumbing re-connections with other parties, said subcontractor shall be responsible for their work or damages resulting from their work. Owners are responsible for reattaching electrical outlets and microwaves/vent hoods to the walls or cabinets where they have been loosened for backsplash work unless agreed otherwise. Note that longer screws are sometimes required for plugs, other outlets and switches. Replacements of faulty water shut off valves or other unforeseen electrical or plumbing problems are not included in the initial scope and will result in additional charges. Reattachment of existing dishwashers may require special fabrication and additional charges; the Owner shall make sure they are clear on how this will be handled. Owner provides the right to Contractor to picture, record and/or video with the use of Contractor’s audio/video equipment any and all before and after Contractor services with full rights of usage for any purpose including marketing, training, digital, online, social media and to the general public. Owner provides the right to Contractor to post signage on property up to 21 days before and after install has been completed unless expressed differently with in the Purchase Agreement; owner shall be responsible for removing any signage. Backsplash installation and plumbing reconnection, etc. performed by sub-contractors are the responsibility of said sub-contractor regardless of pass through fees to Contractor. All communication shall be in writing. Any agreed minor repairs and/or finishing touches must be scheduled with-in 7 business days; after 7 days Owner waives any rights based upon repairs and/or finishing touches. Sealer shall only be used on products Contractor installs or outlined with-in the Scope of Work. Due to the nature of stone, policies, and terms and conditions are subject to change without notice.