Last revised on: April 1, 2015

This Terms of Use describes the terms applicable to your use of the web sites, mobile-optimized versions of the web sites, and digital applications to which this Terms of Use is linked (collectively, “Covered Sites”) and which are owned or operated by Certain features of the Covered Sites may be subject to additional guidelines, terms, or rules, which will be posted on the Covered Site in connection with such features. All such additional terms, guidelines, and rules are incorporated by reference into this Agreement. Capitalized terms not otherwise defined in this Agreement have the meaning given to such term in the privacy policy. The privacy policy is hereby incorporated by this reference into this Agreement.