Acceptance of the Terms of Use These terms of use are entered into by and between You and the MOAC Foundation ("Company", "we" or "us"). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these "Terms of Use"), govern your access to and use of moacfoundation.org, including any content, functionality and services offered on or through moacfoundation.org (the "Website").

Please read the Terms of Use carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use in addition to

• our Privacy Policy, found at http://moacfoundation.org/privacy, incorporated herein by reference; and
• our Cookie Policy, found at http://moacfoundation.org/cookie, incorporated herein by reference.

If you do not to agree to these Terms of Use, the Privacy Policy or the Cookie Policy, you must not access or use the Website.

Who May Use the Website

This Website is offered and available to users who are 13 years of age or older for personal use only and not for commercial use. The Website is not intended for children under 13 years of age. By using this Website, you represent and warrant that you (i) are 13 years of age or older, (ii) are not barred to use the Website under any applicable law, and (iii) are using the Website only for your own personal use. If you do not meet these requirements, you must not access or use the Website.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them.

Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.