Please thoroughly read all of the terms and conditions of this user agreement and each of the respective documents that apply to you. We reserve the right and may update this user agreement and any of the documents listed above from periodically. The updated version will be effective at the time we post it, unless otherwise noted. If our changes reduce your rights or increase your responsibilities, we will post a notice on the updated legal agreements page of our website and provide notice of at least three months to you. By continuing to use our services after any changes to this user agreement take effect, you agree to be bound by those changes. If you do not agree with any changes, you may close your account before the changes take effect.