Leads Terms Of Use

STOYMEDIA CONSUMER TERMS OF USE
Last Updated: July 10, 2026

StoyMedia LLC, an Illinois limited liability company ("StoyMedia," "we," "our," or "us"), owns and operates each website, landing page, and brand property that displays these Terms of Use (each, a "Site"). The following StoyMedia Terms of Use ("Terms of Use") shall incorporate and govern the StoyMedia Privacy Policy ("Privacy Policy"), available at leads.stoymedia.com/leads-privacy-policy, and any and all other applicable StoyMedia operating rules, policies, and supplemental terms and conditions or documents that may be published from time to time (collectively, the "Agreement").

You agree, without limitation or qualification, to be bound by the terms of the Agreement in its entirety when you: (a) access a Site; (b) submit a request through any form on a Site to be connected with, or to obtain information about, the products or services offered or featured on that Site (collectively, "Lead Services") as provided by the third-party businesses, service providers, and professionals featured on or connected through the Sites (collectively, "Third-Party Service Providers"); (c) access articles, guides, or other content on a Site ("Content"); (d) utilize any interactive features of a Site, including forms, quizzes, or feedback tools ("Interactive Services"); and/or (e) access links to our social media pages on third-party platforms such as Facebook®, Instagram®, YouTube®, and TikTok® ("Social Media Pages," and together with the Sites, Lead Services, Content, Interactive Services, and Social Media Pages, the "StoyMedia Offerings").

Electronic Agreement and E-SIGN Act Disclosure. This Agreement is an electronic contract entered into under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001) and applicable state electronic signature laws. By accessing a Site or submitting any form, you affirmatively consent to: (a) transact business with StoyMedia electronically; (b) receive this Agreement, the Privacy Policy, and all notices, disclosures, and communications from StoyMedia in electronic form; and (c) execute this Agreement and all related documents electronically. You have the right to receive this Agreement in non-electronic form. You may withdraw your consent to electronic records at any time by contacting us, though doing so will terminate your ability to use the StoyMedia Offerings. Your electronic acceptance of this Agreement — whether by clicking a button, submitting a form, or continuing to use a Site — constitutes your legal signature and binding acceptance of all terms herein.

PLEASE REVIEW THIS AGREEMENT CAREFULLY. IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT IN THEIR ENTIRETY, YOU ARE NOT AUTHORIZED TO USE THE STOYMEDIA OFFERINGS IN ANY MANNER OR FORM.
NOTICE: THIS AGREEMENT CONTAINS DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, RELEASES, A CLASS-ACTION WAIVER, AND THE REQUIREMENT TO ARBITRATE ANY AND ALL CLAIMS THAT MAY ARISE HEREUNDER AGAINST STOYMEDIA, AS WELL AS ITS PARENT, SUBSIDIARIES, AFFILIATED COMPANIES, RELATED PARTIES, AND THIRD-PARTY SERVICE PROVIDERS (COLLECTIVELY, "COVERED PARTIES"), WHO ARE EXPRESS THIRD-PARTY BENEFICIARIES OF THE MANDATORY ARBITRATION PROVISION CONTAINED HEREIN. THE AFOREMENTIONED PROVISIONS ARE AN ESSENTIAL BASIS OF THIS AGREEMENT.
IMPORTANT: STOYMEDIA IS A LEAD GENERATION AND PERFORMANCE MARKETING SERVICE ONLY. STOYMEDIA IS NOT A PROVIDER OF THE UNDERLYING PRODUCTS OR SERVICES OFFERED OR FEATURED ON THE SITES, INCLUDING, WITHOUT LIMITATION, HOME IMPROVEMENT, CONTRACTING, LEGAL, SETTLEMENT, OR TIMESHARE OR CONTRACT EXIT OR CANCELLATION SERVICES. STOYMEDIA DOES NOT PERFORM ANY SUCH SERVICES, DOES NOT EMPLOY ANY THIRD-PARTY SERVICE PROVIDER, AND IS NOT A PARTY TO ANY AGREEMENT BETWEEN YOU AND ANY THIRD-PARTY SERVICE PROVIDER. ALL SUCH PRODUCTS AND SERVICES ARE PROVIDED SOLELY BY INDEPENDENT THIRD-PARTY SERVICE PROVIDERS WHO ARE NOT AGENTS, EMPLOYEES, OR REPRESENTATIVES OF STOYMEDIA. STOYMEDIA IS NOT LIABLE FOR THE ACTS, OMISSIONS, WORKMANSHIP, CONDUCT, NEGLIGENCE, FRAUD, OR FAILURE TO PERFORM OF ANY THIRD-PARTY SERVICE PROVIDER.

You understand and agree that StoyMedia shall not be liable to you, any other Site user, or any third party for any claim in connection with your use of, or inability to use, the StoyMedia Offerings. StoyMedia disclaims any and all liability for any loss, damage, or injury based on Site Content, third-party products or services, or other products, services, and information directly or indirectly obtained through the StoyMedia Offerings. You understand and agree that StoyMedia is not responsible or liable in any manner whatsoever for any dispute between you and any Site user or Third-Party Service Provider.

Facebook® and Instagram® are registered trademarks of Meta Platforms, Inc. YouTube® is a registered trademark of Google LLC. TikTok® is a registered trademark of ByteDance Ltd. Please be advised that StoyMedia is not in any way affiliated with these entities, and the StoyMedia Offerings are not endorsed, administered, or sponsored by any of the aforementioned entities.

1. Scope / Modification of Agreement
The Agreement constitutes the entire and only agreement between you and StoyMedia with respect to your use of the StoyMedia Offerings, and supersedes all prior or contemporaneous agreements, representations, warranties, and/or understandings with respect to the Sites. We may amend the Agreement from time to time in our sole discretion; provided, however, that: (a) any amendment or modification to the arbitration provisions, prohibition on class action provisions, or any other provisions applicable to dispute resolution (collectively, "Dispute Resolution Provisions") shall not apply to any disputes incurred prior to the applicable amendment or modification; and (b) for any material amendment to this Agreement — including any change to the Dispute Resolution Provisions, Limitation of Liability, or Indemnification sections — we will provide you with notice by email to the address associated with your submission before such changes take effect. Non-material amendments, such as corrections of typographical errors or clarifications that do not alter your rights or obligations, may be made without prior notice. The latest Agreement will be posted on the applicable Site, and you should review the Agreement prior to using the StoyMedia Offerings. By your continued use of the StoyMedia Offerings following notice of any amendment, you hereby agree to comply with, and be bound by, all of the terms and conditions contained within the Agreement effective at that time.

If StoyMedia terminates the Agreement for any reason, StoyMedia shall have no liability or responsibility to you. You understand and agree that refusal to use the StoyMedia Offerings is your sole right and remedy with respect to any dispute with StoyMedia. The Agreement only governs your use of the StoyMedia Offerings.

2. Nature of StoyMedia's Services — Not a Provider
StoyMedia is a lead generation and performance marketing service. StoyMedia's sole function is to collect information submitted by consumers seeking the products or services featured on the Sites and to transmit that information to independent Third-Party Service Providers who have agreed to receive such leads. StoyMedia receives financial compensation from Third-Party Service Providers for facilitating these connections.

StoyMedia is not a contractor, home improvement company, law firm, attorney, settlement company, timeshare exit or cancellation company, or provider of any of the underlying products or services featured on the Sites. StoyMedia does not perform, supervise, manage, oversee, or participate in any such products or services. StoyMedia does not employ, retain, or control any Third-Party Service Provider. All Third-Party Service Providers are independent businesses that are not agents, employees, franchisees, joint venturers, or partners of StoyMedia in any respect.
StoyMedia does not sponsor, recommend, or endorse any Third-Party Service Provider accessible through the Sites. StoyMedia does not vet, screen, verify, license, bond, or insure any Third-Party Service Provider. StoyMedia makes no representations whatsoever regarding the competency, trustworthiness, honesty, integrity, licensure, insurance status, compliance with applicable law, or behavior of any Third-Party Service Provider. You are solely and exclusively responsible for independently verifying the licensing, insurance, bonding, credentials, references, and qualifications of any Third-Party Service Provider you consider engaging before entering into any agreement with that provider or allowing any work or service to be performed. The connection facilitated by StoyMedia does not constitute a recommendation, endorsement, or guarantee of any kind.

The ultimate terms, pricing, scope of work, warranties, standards, permits, licensing, and conditions of any products or services provided by any Third-Party Service Provider are determined solely and exclusively by that Third-Party Service Provider. StoyMedia has no involvement in, control over, or responsibility for the negotiation, execution, performance, or outcome of any agreement between you and any Third-Party Service Provider. Any dispute regarding the quality, safety, cost, legality, completion, or any other aspect of products or services provided by a Third-Party Service Provider is a matter solely between you and that Third-Party Service Provider.
The Sites may contain descriptions, information, or other content provided directly by Third-Party Service Providers or other parties. StoyMedia does not represent or warrant that any such content is accurate, complete, or appropriate.

3. StoyMedia Verified Program
Certain Third-Party Service Providers displayed on or in connection with the StoyMedia Offerings may be identified with a "StoyMedia Verified" designation. This designation indicates only that the applicable Third-Party Service Provider has confirmed their service area and business category with StoyMedia. The StoyMedia Verified designation does not constitute, and should not be interpreted as: (a) an endorsement of the Third-Party Service Provider; (b) a verification of the Third-Party Service Provider's licensing, bonding, or insurance status; (c) a guarantee of the quality, safety, legality, or outcome of any products or services provided; or (d) any certification, approval, or recommendation by StoyMedia or any governmental or regulatory authority.

Site users are solely responsible for independently verifying any Third-Party Service Provider's licensing, bonding, insurance, and qualifications before engaging them. StoyMedia expressly disclaims any liability arising from a Site user's reliance on the StoyMedia Verified designation.

4. Requirements
The StoyMedia Offerings are available only to individuals who can enter into legally binding contracts under applicable law. The StoyMedia Offerings are not intended for use by individuals under eighteen (18) years of age. If you are under eighteen (18) years of age, you do not have permission to use and/or access the StoyMedia Offerings.
By accessing or using the StoyMedia Offerings and submitting any form or request on a Site, you affirmatively represent and warrant that you are at least eighteen (18) years of age and that you have the legal capacity to enter into a binding agreement.

5. Lead Services / Form Submission
StoyMedia does not itself provide any of the underlying products or services featured on the Sites. The ultimate terms and conditions of any such products or services will be determined solely by the applicable Third-Party Service Providers.
To be connected with Third-Party Service Providers through the Lead Services, you must complete the applicable form on the Site. The information you must supply may include, but is not limited to: your name, email address, telephone number, address, and the category and description of the product or service applicable to your inquiry (collectively, the "Lead Submission Data"). You agree to provide true, accurate, current, and complete Lead Submission Data. StoyMedia's use of the Lead Submission Data shall be governed by the Privacy Policy.

The Lead Submission Data submitted by you is not protected by any attorney-client privilege, and submitting this information does not create any professional, attorney-client, or similar relationship between you and StoyMedia or any Third-Party Service Provider.

Upon submitting your Lead Submission Data, your information may be transferred to up to four Third-Party Service Providers. StoyMedia makes no guarantee that any Third-Party Service Provider will contact you, that you will receive a quote or offer, or that any products or services will be provided. You understand and agree that StoyMedia shall not be liable to you or any third party for any Third-Party Service Provider's failure to contact you, failure to perform, failure to honor any representation or commitment, or for any modification, suspension, or discontinuation of any product or service.

Consumers do not pay StoyMedia for access to the Lead Services. StoyMedia is compensated by Third-Party Service Providers for connecting them with consumers. The terms governing StoyMedia's compensation from Third-Party Service Providers are set forth in separate agreements and are not governed by these Terms of Use.

6. Prohibited Conduct
You agree to use the StoyMedia Offerings in full compliance with all applicable laws, rules, and regulations. In connection with your use of the StoyMedia Offerings, you agree not to:
(i) submit false, inaccurate, or misleading Lead Submission Data, including a false name, invalid telephone number, incorrect address, or fabricated request details;
(ii) impersonate any person or entity, or falsely represent your affiliation with any person or entity;
(iii) use any robot, spider, scraper, crawler, or other automated device or process to retrieve, index, data-mine, or reproduce or circumvent the navigational structure or presentation of any Site or its contents;
(iv) post, distribute, or reproduce any copyrighted material, trademarks, service marks, trade names, or other proprietary information of StoyMedia or any third party without prior written consent;
(v) copy, reproduce, duplicate, replicate, frame, mirror, or create derivative works from any portion of the StoyMedia Offerings, including the Sites' lead capture forms, page layouts, consent language, or advertising copy, for any purpose;
(vi) remove any copyright, trademark, or other proprietary rights notices;
(vii) interfere with or disrupt the StoyMedia Offerings or the servers or networks connected to same;
(viii) transmit any unsolicited or unauthorized advertising, promotional materials, spam, chain letters, or other solicitation;
(ix) use the StoyMedia Offerings for any commercial purpose not expressly authorized by StoyMedia in writing;
(x) attempt to gain unauthorized access to any portion of a Site or connected systems or networks; and/or
(xi) modify, adapt, sublicense, translate, sell, reverse engineer, decompile, or disassemble any portion of the StoyMedia Offerings or any software used in connection with same.
Engaging in any of the aforementioned prohibited practices shall be deemed a material breach of the Agreement and may result in the immediate termination of your access to some or all of the StoyMedia Offerings without notice, in StoyMedia's sole discretion. StoyMedia reserves the right to pursue any and all legal remedies against users that engage in such conduct.

7. License Grant
As a user of a Site, you are granted a non-exclusive, non-transferable, revocable, and limited license to access and use the StoyMedia Offerings and associated content solely in accordance with this Agreement. StoyMedia may terminate this license at any time, for any reason, without notice and without liability. You may only use the StoyMedia Offerings for your own personal, non-commercial use. No part of the StoyMedia Offerings may be reproduced in any form or incorporated into any information retrieval system. You may not use, copy, emulate, clone, rent, lease, sell, modify, decompile, disassemble, reverse engineer, or transfer the StoyMedia Offerings or any portion thereof. StoyMedia reserves all rights not explicitly granted in this Agreement.

8. Proprietary Rights
The content, organization, graphics, design, compilation, software, services, lead capture forms, consent language, advertising copy, and all other materials related to the StoyMedia Offerings are protected under applicable copyright, trademark, and other intellectual property rights. The copying, redistribution, reproduction, publication, or sale by you of any part of the StoyMedia Offerings is strictly prohibited.
Systematic retrieval of material from a Site by automated means or any other form of scraping, crawling, or data extraction to create or compile a collection, compilation, database, or directory without prior written permission from StoyMedia is strictly prohibited.

You do not acquire any ownership rights in or to any content, software, services, or other materials viewed at or through the StoyMedia Offerings. The "StoyMedia" name and logo, and all associated graphics, icons, trade names, and service names, and the names and logos of the brands StoyMedia operates, are proprietary to StoyMedia LLC. StoyMedia asserts all available common law and other trademark and intellectual property rights in and to these marks. The unauthorized use, reproduction, copying, or imitation of any of these marks or any confusingly similar marks is strictly prohibited and may constitute trademark infringement, unfair competition, and/or other violations of applicable law.
All other trademarks referenced on the Sites are the property of their respective owners.

9. Editing, Modification, Suspension, and Termination
We reserve the right, in our sole discretion and at any time, without notice and without liability to you or any third party, to: (a) edit, modify, or delete any content appearing on a Site; (b) suspend, discontinue, or terminate access to all or any portion of the StoyMedia Offerings; (c) modify, update, or change the features, functionality, or availability of the StoyMedia Offerings; and/or (d) terminate this Agreement and your access to the StoyMedia Offerings for any reason or no reason.
You agree that StoyMedia shall not be liable to you or to any third party for any modification, suspension, or discontinuation of the StoyMedia Offerings, or any portion thereof, regardless of the reason.
For the avoidance of doubt, this Section 9 governs operational changes to the Sites and does not modify or supersede the notice requirements applicable to material amendments of this Agreement as set forth in Section 1.

10. Legal Warning
Any attempt by any individual or entity to damage, destroy, tamper with, vandalize, and/or otherwise interfere with the operation of the StoyMedia Offerings is a violation of criminal and civil law, and StoyMedia will diligently pursue any and all remedies against any offending individual or entity to the fullest extent permissible by law and in equity.

11. Indemnification
You agree to indemnify and hold StoyMedia LLC, its parents, subsidiaries, and affiliates, and each of their respective members, officers, directors, employees, agents, and partners, harmless from and against any and all claims, expenses (including reasonable attorneys' fees), damages, suits, costs, demands, and/or judgments whatsoever, made by any third party due to or arising out of: (a) your use of the StoyMedia Offerings; (b) your breach of this Agreement; (c) any dispute between you and any Third-Party Service Provider or other third party arising from or related to products or services performed or not performed by any Third-Party Service Provider; (d) your violation of any rights of another individual and/or entity; and/or (e) the submission of false, inaccurate, or misleading Lead Submission Data by you.
The provisions of this Section 11 are for the benefit of StoyMedia LLC, its parents, subsidiaries, and affiliates, and each of their respective officers, directors, members, employees, agents, shareholders, licensors, suppliers, and attorneys. Each of these individuals and entities shall have the right to assert and enforce these provisions directly against you on their own behalf.

12. Disclaimer of Warranties
THE STOYMEDIA OFFERINGS ARE PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS AND ALL WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, AND/OR FITNESS FOR A PARTICULAR PURPOSE). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, STOYMEDIA MAKES NO WARRANTY THAT: (A) THE STOYMEDIA OFFERINGS WILL MEET YOUR REQUIREMENTS; (B) THE STOYMEDIA OFFERINGS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) YOU WILL BE SUCCESSFULLY CONNECTED WITH ANY PARTICULAR THIRD-PARTY SERVICE PROVIDER; (D) ANY THIRD-PARTY SERVICE PROVIDER CONTACTED THROUGH THE STOYMEDIA OFFERINGS IS LICENSED, INSURED, BONDED, QUALIFIED, OR COMPETENT; (E) ANY PRODUCTS OR SERVICES PROVIDED BY ANY THIRD-PARTY SERVICE PROVIDER WILL BE PERFORMED IN A WORKMANLIKE MANNER, COMPLY WITH APPLICABLE LAW, OR MEET ANY PARTICULAR STANDARD OF QUALITY; OR (F) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE STOYMEDIA OFFERINGS WILL BE ACCURATE OR RELIABLE.
STOYMEDIA MAKES NO WARRANTY, EXPRESS OR IMPLIED, REGARDING THE QUALITY, SAFETY, LEGALITY, WORKMANSHIP, OR OUTCOME OF ANY PRODUCTS OR SERVICES PROVIDED BY ANY THIRD-PARTY SERVICE PROVIDER. STOYMEDIA IS A CONNECTION SERVICE ONLY. ALL RISK ASSOCIATED WITH ANY PRODUCTS OR SERVICES PROVIDED BY ANY THIRD-PARTY SERVICE PROVIDER RESTS SOLELY WITH YOU AND THAT THIRD-PARTY SERVICE PROVIDER. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM STOYMEDIA OR THROUGH THE STOYMEDIA OFFERINGS, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.

13. Limitation of Liability
STOYMEDIA IS A LEAD GENERATION AND PERFORMANCE MARKETING SERVICE ONLY. STOYMEDIA DOES NOT PROVIDE THE UNDERLYING PRODUCTS OR SERVICES FEATURED ON THE SITES AND IS NOT RESPONSIBLE FOR THE ACTS, OMISSIONS, WORKMANSHIP, NEGLIGENCE, FRAUD, MISCONDUCT, OR FAILURE TO PERFORM OF ANY THIRD-PARTY SERVICE PROVIDER. ALL LIABILITY FOR PRODUCTS OR SERVICES PERFORMED OR NOT PERFORMED RESTS SOLELY WITH THE INDEPENDENT THIRD-PARTY SERVICE PROVIDER.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT STOYMEDIA LLC SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, AND/OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF STOYMEDIA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), TO THE FULLEST EXTENT PERMISSIBLE BY LAW, ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR USE OF OR INABILITY TO USE THE STOYMEDIA OFFERINGS; (B) ANY PRODUCTS OR SERVICES PERFORMED OR NOT PERFORMED BY ANY THIRD-PARTY SERVICE PROVIDER; (C) ANY THIRD-PARTY SERVICE PROVIDER'S WORKMANSHIP, CONDUCT, NEGLIGENCE, FRAUD, OR FAILURE TO PERFORM; (D) THE UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR LEAD SUBMISSION DATA; AND/OR (E) ANY OTHER MATTER RELATING TO THE STOYMEDIA OFFERINGS.
THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATION, AND ANY AND ALL OTHER TORTS. YOU HEREBY RELEASE STOYMEDIA FROM ANY AND ALL OBLIGATIONS, LIABILITIES, AND CLAIMS IN EXCESS OF THE LIMITATIONS STATED HEREIN. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATIONS, THE MAXIMUM LIABILITY OF STOYMEDIA TO YOU UNDER ANY AND ALL CIRCUMSTANCES WILL BE FIFTY DOLLARS ($50.00); PROVIDED, HOWEVER, THAT THIS FIFTY DOLLAR ($50.00) CAP SHALL NOT APPLY TO CLAIMS FOR PERSONAL INJURY OR TANGIBLE PROPERTY DAMAGE TO THE EXTENT CAUSED BY STOYMEDIA'S OWN GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, AS DISTINGUISHED FROM THE INDEPENDENT ACTS OR OMISSIONS OF ANY THIRD-PARTY SERVICE PROVIDER, FOR WHICH STOYMEDIA BEARS NO LIABILITY WHATSOEVER. THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND STOYMEDIA. THE STOYMEDIA OFFERINGS WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS. SOME JURISDICTIONS, SUCH AS NEW JERSEY, MAY NOT ALLOW CERTAIN LIMITATIONS ON LIABILITY, AND IN SUCH JURISDICTIONS THE LIABILITY OF STOYMEDIA SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

14. Third-Party Websites
The Sites may contain links to and/or references to third-party Internet websites and/or resources, including Third-Party Service Provider websites and social media platforms. Because StoyMedia has no control over such third-party websites and/or resources, you acknowledge and agree that StoyMedia is not responsible for the availability of such third-party websites and/or resources, and does not endorse, and is not responsible or liable for, any terms, privacy policies, content, advertising, products, services, and/or other materials at or available from such third-party websites or resources, or for any damages and/or losses arising therefrom.

15. Dispute Resolution
This Agreement shall be treated as though it were executed and performed in Illinois and shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to conflict of law principles.
Delegation of Arbitrability. Any dispute about the scope, validity, or enforceability of this arbitration agreement — including whether a particular claim is subject to arbitration — shall itself be resolved exclusively by binding arbitration pursuant to this Section, and not by any court. The parties expressly delegate to the arbitrator the exclusive authority to resolve all threshold questions of arbitrability.
You hereby agree to arbitrate all claims that may arise under this Agreement that you may have against StoyMedia or any of the Covered Parties, who are express third-party beneficiaries of this mandatory arbitration provision. For the avoidance of doubt, "Covered Parties" and the dispute-resolution and class-action-waiver provisions of this Agreement extend to StoyMedia's Third-Party Service Providers and any other parties acting on their behalf that may contact you or receive your information in connection with your use of the StoyMedia Offerings, each of whom is an express third-party beneficiary of this arbitration agreement and class-action waiver and may enforce it directly. Without limiting the foregoing, should a dispute arise between you and StoyMedia and/or any Covered Party: (a) the parties agree to submit their dispute for resolution by binding arbitration before the American Arbitration Association ("AAA") pursuant to the AAA Consumer Arbitration Rules then in effect, which rules are incorporated herein by reference and are available at www.adr.org; and (b) you agree to first attempt to resolve any dispute informally by contacting StoyMedia at [email protected]. If we cannot satisfactorily resolve your dispute informally within thirty (30) days, you may proceed to formal arbitration as set forth herein.
Venue. Arbitration shall be conducted in McHenry County, Illinois; provided, however, that if you reside outside of Illinois, you may elect to conduct the arbitration by telephone or written submissions, or in the county of your primary residence, at your option, for claims of any amount. For claims of Ten Thousand Dollars ($10,000.00) or less, you may choose whether the arbitration proceeds in person, by telephone, or based only on written submissions.

Fees. Arbitration filing fees and arbitrator compensation shall be allocated in accordance with the AAA Consumer Arbitration Rules, which generally require StoyMedia to bear the costs of arbitration beyond your initial filing fee. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Although StoyMedia may have a right to an award of attorneys' fees and expenses if it prevails in arbitration, StoyMedia will not seek such an award from you unless the arbitrator determines that your claim was frivolous.

Class Action Waiver. To the extent permitted by law, you agree that you will not bring, join, or participate in any class action lawsuit as to any claim, dispute, or controversy that you may have against StoyMedia and/or any Covered Party. Notwithstanding the foregoing, nothing in this Agreement shall be construed to waive, limit, or restrict any right you may have to seek public injunctive relief that cannot lawfully be waived or arbitrated under applicable law, including under McGill v. Citibank, N.A., 2 Cal.5th 945 (2017), or any successor authority. Any such claim for public injunctive relief may be brought in a court of competent jurisdiction and shall be stayed pending the resolution of any individual arbitrable claims between the parties. This provision: (i) does not constitute a waiver of any of your rights or remedies to pursue a claim individually and not as a class action in binding arbitration as provided above; and (ii) is an independent agreement. You may opt out of these dispute resolution provisions by providing written notice of your decision to [email protected] within thirty (30) days of the date that you first access the applicable Site.
Coordinated / Mass Arbitration. If twenty-five (25) or more similar demands for arbitration are asserted against StoyMedia or any Covered Party by the same or coordinated counsel, or are otherwise coordinated, you agree that the following bellwether process applies and that resolution of your Dispute may be delayed. Counsel for the claimants and counsel for StoyMedia shall each select five (5) cases per side to proceed first as individual arbitrations. The remaining cases shall not be filed or deemed filed, and no arbitration fees shall be assessed on them, until they are selected to proceed. If the parties do not resolve the remaining cases after those initial ten (10) proceedings conclude, each side shall select another five (5) cases per side to proceed, and this staged process shall repeat until all coordinated claims, including yours, are adjudicated or resolved. A single arbitrator shall preside over each case, and only one case may be assigned to each arbitrator absent agreement. All applicable statutes of limitation and filing deadlines are tolled for claims subject to this provision from the time the first bellwether cases are selected until your case is selected, withdrawn, or resolved. A court of competent jurisdiction in McHenry County, Illinois shall have authority to enforce this provision, including to enjoin the mass filing or prosecution of demands brought in violation of it.

16. Miscellaneous
Should any part of the Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in or associated with any StoyMedia Offerings is in conflict or inconsistent with the Agreement, the Agreement shall take precedence. Our failure to enforce any provision of the Agreement shall not be deemed a waiver of such provision nor of the right to enforce it. The parties do not intend that any agency or partnership relationship be created through operation of the Agreement. StoyMedia may assign its rights and obligations under the Agreement, in whole or in part, to any party at any time without notice to you. The Agreement may not be assigned by you. Headings are for reference purposes only.

17. California End-User Consumer Rights
In accordance with Cal. Civ. Code § 1789.3, California resident users may file grievances and complaints with the California Department of Consumer Affairs, 400 R Street, Ste. 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to [email protected].

18. Contact Us
If you have any questions regarding this Agreement or would like more information from StoyMedia, please contact us at:
StoyMedia LLC
Email: [email protected]
Phone: (773) 217-0793
Website: stoymedia.com