Terms & Conditions

The parties

These Terms of Service (the “Terms”) form a legally binding agreement between College Mastermind LLC, doing business as 1550 Plus (“1550 Plus,” “Company,” “we,” “us,” or “our”), and the adult who purchases, enrolls in, or uses the Services (“Purchaser”). The student receiving the Services is the “Student.”

The Purchaser and Student are collectively referred to as “you” where the context permits. If the Student is under eighteen (18), the Purchaser must be the Student’s parent or legal guardian (“Guardian”).

What the Services include

These Terms govern SAT, ACT, and PSAT preparation; Foundations Math and Verbal programs; SAT Intensive Math and Verbal programs; Last 100 programs; private tutoring; group classes; diagnostics and practice testing; workshops; free classes; digital materials; portals; and related educational offerings provided under the 1550 Plus name (collectively, the “Services”).

How you accept

You accept these Terms when you access this website, submit an enrollment, purchase, or registration. The agreement becomes effective on that date. A Guardian accepts these Terms for themselves and, to the extent permitted by law, on behalf of the minor Student.

The Guardian remains responsible for payment, account administration, and reasonable supervision of the minor’s participation. If you do not accept these Terms, do not purchase or use the Services.

Organizations and schools

If an organization purchases Services, the individual accepting these Terms represents that they have authority to bind that organization. School and district engagements may also be governed by a separate written institutional agreement. If that agreement conflicts with these Terms, the institutional agreement controls for that engagement.

Age requirement

Interactive Services are intended for Students age thirteen (13) or older. Children under 13 may not create accounts, independently register, or submit personal information. If we learn that we collected personal information online directly from a child under 13 without legally sufficient authorization, we may suspend access and take reasonable steps to delete or otherwise handle the information as required by law.

Guardian responsibilities

For a minor Student, the Guardian represents that they have legal authority to enroll the Student, receive information about the Student’s participation, authorize ordinary program communications, and make decisions required under these Terms.

The Guardian will keep contact information current, reasonably supervise the Student’s use, and help the Student comply with scheduling, conduct, and account rules. Nothing in these Terms makes a Guardian strictly liable for every independent act of a minor beyond obligations lawfully assumed here.

Verification

We may request reasonable evidence of age, identity, guardianship, or authority. We may delay or deny enrollment when that evidence is not provided or appears inaccurate.

Your account

Each enrollment and account is assigned to one named Student and is nontransferable unless we approve otherwise in writing. You must provide accurate, complete information; protect usernames, passwords, and verification codes; and promptly notify contact@1550plus.com of suspected unauthorized access.

You are responsible for activity conducted through your credentials before notice to us, except to the extent caused by our failure to use legally required safeguards.

Acceptable access

You may not share access, permit simultaneous use by unauthorized persons, bypass access controls, scrape the platform, or attempt to obtain another user’s information. We may monitor login and usage patterns for security, licensing, fraud prevention, and program administration and may restrict suspicious access.

Technology requirements

You are responsible for a compatible device, supported browser, stable internet connection, audio, and any camera or microphone reasonably required for live instruction or proctoring. We are not responsible for failures caused by your equipment, software, connectivity, or third-party systems outside our reasonable control.

We will use reasonable efforts to address material Company-controlled disruptions as stated in Section 10.

Identity verification

For identity verification, proctoring, or guarantee eligibility, we may request a score report, photo identification from the adult Purchaser, or other reasonable verification. We will handle verification information under our Privacy Policy and will not request a minor’s government-issued identification unless reasonably necessary and legally permitted.

What your Order includes

The Order identifies the program, format, scheduled dates or access period, price, payment arrangement, and material deliverables. Only items expressly stated in the Order are included. Unless the Order names a specific instructor as guaranteed, enrollment is with 1550 Plus rather than an individual tutor, and we may assign or substitute qualified personnel.

Educational nature

The Services provide education and academic preparation. They are not legal, medical, mental-health, financial, or therapeutic services. Students remain responsible for studying, completing assignments, sitting for official tests, and making academic and admissions decisions.

We do not guarantee admission, scholarships, grades, academic standing, or any test-score result except the limited Score Improvement Guarantee in Section 13 when the Order expressly states that the purchased program is eligible.

Trademarks

College Board, SAT, PSAT, ACT, and other third-party names and materials belong to their respective owners. 1550 Plus is independent and is not endorsed by or affiliated with College Board or ACT unless expressly stated otherwise.

6.1 Group Programs

A group-program seat is reserved when required payment is accepted and confirmation is issued. You may request transfer to another available group beginning at least seven (7) days before the original start date. Transfers are subject to availability, program equivalence, price adjustments, and our approval.

After a group program begins, missed meetings are not individually rescheduled, credited, or refunded. We may provide recordings, make-up access, or another accommodation at our discretion, or sometimes these are made available through an upgrade, but we are not required to do so unless the Order states otherwise.

6.2 Private Tutoring

A private session may be rescheduled without charge if a request is received through the portal or at contact@1550plus.com at least twenty-four (24) hours before the scheduled start. A cancellation or reschedule request sent only to a tutor is ineffective.

A session canceled with less than 24 hours’ notice, a no-show, or arrival at least fifteen (15) minutes late may be treated as delivered and forfeited. Late arrival does not extend the scheduled end time. We may excuse a late cancellation for a documented emergency at our reasonable discretion.

Repeated rescheduling, nonattendance, or failure to provide availability may result in reassignment, scheduling restrictions, or expiration under the applicable Order without refund.

6.3 Scheduling and Expiration

Sessions and access expire on the date stated in the Order. If no expiration is stated, private tutoring sessions expire twelve (12) months after purchase, and group or digital access ends thirty (30) days after the scheduled program end date. Expiration may be extended only by our written approval or where required by law.

Availability is not guaranteed for preferred days, times, or instructors. You are responsible for scheduling sufficiently in advance of expiration. Attendance or scheduling disputes must be reported within seven (7) days after the disputed event so records can be reviewed.

This operational deadline does not waive nonwaivable legal rights.

7.1 Price and Payment Authorization

Prices are in U.S. dollars unless stated otherwise. You are responsible for applicable taxes. By providing a payment method, you authorize 1550 Plus and its payment processor to charge amounts shown in the Order, including scheduled installments, taxes, approved add-ons, and disclosed fees. Payment processing is handled by third-party providers. We do not store full payment-card numbers.

7.2 Installment Payment Plan

A payment plan divides the fixed total purchase price into installments; it is not a month-to-month subscription and does not permit cancellation of the unpaid balance merely because a Student stops attending or using the Services. Unless the Order expressly identifies an automatically renewing subscription, no renewal occurs after the fixed payment schedule ends.

7.3 Failed Payment, Late Fees, and Suspension

If an installment fails, we may retry the authorized payment method, provide notice, and allow a seven (7)-day grace period. A one-time late fee of $25 may be assessed for each installment remaining unpaid after the grace period, to the extent permitted by law. We may suspend access while an undisputed balance remains overdue.

Suspension does not cancel the balance or extend program expiration. We may waive fees or approve a payment arrangement in writing without waiving future enforcement.

7.4 Billing Errors

You must notify us at contact@1550plus.com of a suspected billing error within thirty (30) days after discovering it, or as soon thereafter as reasonably practicable. We will review good-faith disputes and correct verified errors. Nothing here shortens a mandatory statutory period.

9.1 Limited Refund Exceptions

Except for the specific exceptions below, purchases are final, non-cancellable, and non-refundable once enrollment is confirmed. The price reflects reservation of capacity, staffing, scheduling, and access to intellectual property and digital resources.

Nonattendance, schedule conflicts, dissatisfaction with an assigned instructor, failure to use available Services, or a decision not to continue does not create a refund right.

A refund will be issued only:

(a) to correct a verified billing error or overpayment;

(b) when Section 10 expressly requires a prorated refund because we permanently discontinue an undelivered portion and cannot provide a reasonable substitute; or

(c) when required by applicable law.

An approved refund will be returned to the original payment method where reasonably possible. No refund exceeds the amount actually paid for the affected, undelivered portion after discounts and credits. The Score Improvement Guarantee provides program credit, not a cash refund.

Promotional discounts are not retroactive and generally cannot be combined unless expressly allowed. A chargeback does not cancel a valid payment obligation.

9.2 Billing Errors and Refund Requests

If you believe a charge is unauthorized, duplicated, incorrectly calculated, or otherwise inconsistent with your Order, you should promptly notify 1550 Plus at contact@1550plus.com and provide enough information for us to investigate.

Whenever reasonably practicable, we ask that you allow us fifteen (15) business days to review and respond before initiating a chargeback or other payment reversal. Nothing in this paragraph limits any nonwaivable right to dispute a charge with your financial institution or payment provider.

9.3 Chargeback and Payment Dispute

If a chargeback, ACH reversal, payment dispute, or similar proceeding is initiated, you authorize 1550 Plus to provide the payment processor, financial institution, card network, or other reviewing entity with information reasonably necessary to investigate and respond to the dispute.

This may include the applicable Order, acceptance records, payment authorization, these Terms, refund-policy disclosures, invoices, account and login records, attendance records, scheduling records, communications, assignment and practice-test activity, records of digital materials or recordings accessed, proof of Services delivered or resources reserved, and other relevant transaction records, subject to our Privacy Policy and applicable law.

9.4 Effect of Chargeback

Initiating a chargeback does not itself cancel the Order, terminate an installment plan, constitute a valid cancellation request, or eliminate an otherwise valid payment obligation.

If a payment is reversed while the corresponding amount remains contractually due, we may suspend access to the Services and pursue the unpaid balance through lawful means. Access may remain suspended until the dispute is resolved or the outstanding balance is paid.

9.5 Outstanding Payment Obligations

We will not impose a penalty solely because you exercised a lawful right to dispute a charge. However, you remain responsible for amounts validly owed under the Order and, to the extent permitted by applicable law, reasonable third-party costs actually incurred in collecting an undisputed, delinquent balance.

We will correct verified billing errors and comply with final determinations made through applicable payment-network procedures.

Changes to delivery

We may make reasonable changes to instructors, schedules, platforms, curriculum sequence, assignments, or delivery methods when necessary to maintain the Services. We will not materially reduce the core purchased deliverables without providing a reasonable substitute, but no instructors, schedules, platforms, curriculum sequence, assignments are guaranteed.

Cancellations by us

If we cancel a class meeting, we may provide a make-up, qualified substitute, recording, schedule extension, or comparable instructional credit. If we permanently cancel an entire program or a material undelivered portion, we may first offer a comparable transfer, replacement program, reasonable rescheduling, or credit.

If we cannot provide a reasonable substitute within thirty (30) days after the scheduled delivery period, the Purchaser may request a prorated refund of amounts actually paid and allocable to the permanently undelivered portion. Delivered Services, accessed digital materials, and properly forfeited sessions remain nonrefundable.

Events beyond our control

We are not liable for delay caused by events beyond our reasonable control, including severe weather, natural disaster, widespread outage, governmental action, labor disruption, public-health emergency, or failure of a third-party platform. We will use commercially reasonable efforts to resume performance and, if disruption becomes material, provide the remedies described above.

Respectful conduct

Students and Guardians must communicate respectfully and may not harass, threaten, bully, discriminate against, impersonate, or disrupt instructors or participants. Students must use their enrolled identity, follow reasonable classroom and proctor instructions, protect other participants’ privacy, and refrain from sharing names, scores, messages, images, recordings, or personal information learned in a group setting.

Academic integrity

Cheating, plagiarism, unauthorized assistance, sharing test answers, circumvention of proctoring, misuse of Company systems, and submission of work falsely represented as the Student’s own are prohibited. We will refuse requests to complete graded work, admissions essays, or other submissions on a Student’s behalf.

Consequences

Depending on severity, we may issue a warning, remove a person from a session, restrict features, reassign staff, suspend access, terminate participation, or disqualify the Student from a guarantee.

Termination for serious or repeated misconduct does not create a refund and does not cancel an outstanding fixed-price balance, except where applicable law requires otherwise. We will exercise this authority reasonably and will consider the safety and learning environment of all participants.

Safety

1550 Plus is not a crisis service. If we reasonably believe a student faces an imminent safety risk or if reporting is legally required, we may contact the Guardian, emergency services, or appropriate authorities. Guardians should disclose only information reasonably necessary to request an accommodation or protect safety.

Requesting accommodations

Requests for program accommodations should be submitted to contact@1550plus.com sufficiently in advance. We may request information reasonably necessary to understand the requested accommodation but do not require unnecessary medical details.

Practice vs. official testing

1550 Plus is not an official testing organization and cannot guarantee that its classes, diagnostics, practice tests, or proctored sessions will provide or replicate accommodations available during an official examination. This includes extended time, additional or extended breaks, individual proctoring, separate testing rooms, readers, scribes, assistive technology, or modified testing formats.

Within our programs

Accommodations within 1550 Plus programs are subject to available staffing, technology, scheduling, and program resources.

When we cannot reasonably provide a requested accommodation during a Company-proctored assessment, the Student may be directed to complete the assessment independently using the Student’s applicable timing or testing conditions and submit the results as instructed.

An independently completed assessment may not qualify as a proctored diagnostic or satisfy Score Improvement Guarantee requirements unless 1550 Plus approves the arrangement in writing beforehand.

Official accommodations

Official testing accommodations are determined and administered exclusively by the applicable testing organization. 1550 Plus does not apply for, approve, administer, or guarantee official accommodations.

Which programs qualify

This Section applies only if the Order expressly identifies the purchased program as “Score Improvement Guarantee Eligible.” No advertisement, consultation, or general reference to score improvement makes another program eligible.

Unless an eligible Order states otherwise, the guarantee applies only to a complete, combined SAT group program covering both Math and Reading and Writing; it does not apply to Foundations, section-only programs, Last 100, private tutoring, ACT, PSAT, free programs, workshops, digital-only products, custom packages, or third-party services.

13.1 Guaranteed Result and Exclusive Remedy

For an eligible Student whose verified SAT baseline is below 1350, the guarantee is an increase of at least 150 points in the total SAT score on one qualifying official SAT administration.

If the Student satisfies every requirement below but does not achieve that increase, the exclusive guarantee remedy is a nontransferable credit equal to eighty percent (80%) of the tuition actually paid for the eligible program, excluding taxes, books, shipping, third-party charges, private tutoring, add-ons, discounts, and credits.

The credit may be applied once toward an eligible 1550 Plus SAT group retake or SAT tutoring package, must be activated within six (6) months after approval, has no cash value, and may not be combined with another guarantee claim.

13.2 Baseline and Comparison Score

The baseline must be either: (a) an official SAT score from a single administration taken within twelve (12) months before the first eligible class; or (b) a full-length proctored 1550 Plus SAT diagnostic completed under required conditions before the first eligible class.

The baseline must be submitted or completed no later than seven (7) days after the first class. The comparison score must be a total score from one official SAT administration taken after completion of the eligible program and within sixty (60) days after the scheduled program end date.

Superscores will be used as when determining the final score only, not the baseline score. PSAT scores, ACT conversions, canceled scores, and scores obtained through misconduct are not eligible. If no official SAT is reasonably available in that period, we may approve the next available administration in writing.

13.3 Student Requirements

Attend at least ninety percent (90%) of scheduled live class meetings or sessions, excluding meetings we cancel without a reasonable make-up.

Complete at least ninety-five percent (95%) of assigned guarantee-eligible homework by the last class.

Achieve an 90% or higher on all assignments or retake assignments as needed to achieve an 90% or higher

Complete five (5) full-length practice tests within our designated system and under the assigned conditions.

Follow program instructions, use required testing conditions, and refrain from academic dishonesty or material account sharing.

Sit for the qualifying official SAT within the required period and submit an unaltered official score report.

13.4 Claim Procedure

The Purchaser must email a claim to contact@1550plus.com with “Score Guarantee Claim” in the subject line within thirty (30) days after the official comparison score is released. The claim must identify the Student and test date and include the official score report.

We may use our records for attendance, homework, testing, and program completion and will provide a reasonable opportunity to identify a claimed record error. We will issue a decision within thirty (30) business days after receiving a complete claim or notify the Purchaser if additional verification is reasonably required.

The guarantee is limited to one approved claim per Student. It is unavailable when requirements were not met, documentation is materially inaccurate, testing rules were violated, or the score was withheld or invalidated.

We will not deny a claim for failure to complete a requirement that our own uncured material breach made impossible. This limited guarantee is the only test-score guarantee and does not limit remedies that cannot lawfully be limited.

When we record

We may record identified classes, tutoring sessions, assessments, webinars, screen shares, audio, video, and chat for service delivery, safety, quality assurance, marketing, staff training, dispute resolution, and program improvement. Zoom notifies all participants when recording begins.

By entering or remaining in a session after that notice, the adult participant consents to recording; for a minor Student, the Guardian provides consent through the enrollment process. Where applicable law requires another form of consent, we will use that process.

A participant who cannot consent should not join and should contact us promptly to discuss whether a reasonable alternative is available.

Access to recordings

Recordings may be made available only when the applicable program provides recording access. We do not promise that every session will be recorded or made available. Participants may not download, screen-record, reproduce, clip, post, transmit, or share Company recordings, screenshots, transcripts, or chat logs without written permission.

Ownership

1550 Plus owns the recording file and its instructional content, subject to each participant’s rights in their preexisting content, personal information, image, voice, and likeness. For free classes, workshops, webinars, trial sessions, and other complimentary offerings, 1550 Plus may use recordings for public-facing marketing or promotional purposes.

What we own

The Services, curricula, methods, lesson scripts, slides, workbooks, solutions, question banks, videos, recordings, software, portal design, trademarks, and other Company or licensed materials (“Company Content”) are owned by 1550 Plus or its licensors and protected by law. Third-party content remains owned by its respective owner.

Your license

During the applicable access period, we grant the named Student a limited, revocable, nonexclusive, nontransferable license to use Company Content solely for the Student’s private, noncommercial study.

You may not copy, distribute, publish, sell, sublicense, publicly display, create derivative commercial products from, remove notices from, or provide Company Content to another person.

You may not scrape Company Content; use it to develop or improve a competing product or service; or use it to train, evaluate, or supply a machine-learning or artificial-intelligence model without our prior written permission.

When the license ends

The license ends when access expires or is terminated. Sections protecting ownership and restricting unauthorized use survive termination. We may seek injunctive relief for actual or threatened misuse in addition to other lawful remedies.

Student ownership

The Student retains ownership of original homework, messages, essays, and other material submitted to us (“Student Content”).

You grant us a nonexclusive, worldwide, royalty-free license during the period reasonably necessary to host, reproduce, transmit, display, annotate, and otherwise use Student Content to deliver, administer, secure, evaluate, and improve the Services and to comply with law.

We may permit authorized personnel and service providers to process Student Content for those purposes under appropriate obligations.

Your responsibilities

You represent that you have the right to submit Student Content and that it does not unlawfully infringe another person’s rights. Do not upload unnecessary sensitive information or material you are not authorized to share.

Feedback and reviews

Voluntary ideas and suggestions about our Services may be used without payment or attribution, but this does not transfer ownership of the Student’s coursework or identifiable personal content. Reviews and testimonials must reflect honest experience. Any referral credit or other material connection must be disclosed when legally required.

20.1 Disclaimer of Warranties

Except for the express commitments in the Order and the limited guarantee in Section 13, the Services and Company Content are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, title, and noninfringement.

We do not warrant uninterrupted access, compatibility with every device, retention or mastery of content, or any educational, testing, admissions, scholarship, or career outcome.

20.2 Exclusion of Certain Damages

To the fullest extent permitted by law, neither 1550 Plus nor its owners, officers, employees, tutors, contractors, affiliates, or agents will be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, or for lost opportunities, lost profits, loss of data, or reputational harm, arising from the Services, even if advised of the possibility.

This exclusion does not apply where prohibited by law.

20.3 Limitation of Liability

To the fullest extent permitted by law, the aggregate liability of 1550 Plus and the foregoing persons for all claims arising from or relating to a particular Order will not exceed the amount the Purchaser actually paid to 1550 Plus under that Order during the twelve (12) months preceding the event giving rise to the claim.

This cap does not apply to fraud, willful misconduct, gross negligence, personal injury caused by legally actionable conduct, or liability that cannot lawfully be limited.

20.4 Applicable Law and Jurisdictional Limitations

These limitations allocate commercial risk and apply regardless of the legal theory, but they do not eliminate the Purchaser’s right to receive the core purchased Services or an available remedy for our material breach. Some jurisdictions do not permit certain exclusions, in which case the limitation applies only to the maximum lawful extent.

22.1 Informal Resolution

Before commencing arbitration, either party must send the other a written notice describing the dispute and requested relief. Notices to 1550 Plus must be sent to contact@1550plus.com. We will send notices to the Purchaser’s account email.

The parties will attempt in good faith to resolve the dispute for thirty (30) days after receipt. This requirement does not prevent a party from seeking urgent provisional relief or filing in small claims court, and applicable limitation periods will be tolled during the 30-day period to the extent permitted by law.

22.2 Binding Individual Arbitration

Except for eligible small-claims matters and claims seeking temporary or injunctive relief to prevent actual or threatened infringement, unauthorized access, misuse of Company Content, or data-security harm, any dispute arising from or relating to these Terms, an Order, or the Services will be resolved by individual binding arbitration administered by the American Arbitration Association (“AAA”) under its then-current Consumer Arbitration Rules.

The Federal Arbitration Act governs this Section. The AAA rules are available at www.adr.org. If AAA is unavailable or declines administration, the parties will select a mutually agreeable administrator or a court of competent jurisdiction will appoint one consistent with this Section.

The arbitration may occur by video, telephone, documents, or in person as the applicable rules provide. The consumer will pay no more than the consumer fee required by AAA’s Consumer Rules, and 1550 Plus will pay fees allocated to the business under those rules.

The arbitrator may award any individual remedy available in court and will issue a reasoned written decision.

A court, not the arbitrator, will decide whether an arbitration agreement was formed and any challenge specifically to the enforceability of the class-action waiver; other gateway issues will be decided as applicable law requires.

22.3 No Class or Representative Proceedings

The arbitrator may not consolidate claims or preside over a representative proceeding without all parties’ written consent.

22.4 Small Claims and Court Venue

Either party may bring an eligible individual claim in small claims court in Marion County, Indiana. For a claim properly excluded from arbitration, the exclusive venue is the state or federal courts located in Marion County, Indiana, except where applicable consumer law requires another venue. The parties consent to personal jurisdiction there and waive jury trial to the extent legally permitted.

Gift cards and credits

Gift cards and program credits may be used only for eligible 1550 Plus Services and are not redeemable for cash except where required by law. Gift cards do not expire and carry no dormancy fee. Promotional and guarantee credits expire as stated when issued, are nontransferable, and may not be resold or combined unless authorized.

Fraudulent, duplicated, or unauthorized use may be canceled. A refund for a purchase made partly with a gift card will return the gift-card portion to that balance when legally permitted.

Referrals

Referral credit is earned only when a new customer uses an authorized referral method, completes a qualifying paid purchase, and the transaction remains valid after any legally required cancellation period and for thirty (30) days after payment.

Self-referrals, spam, deceptive statements, fake accounts, and code manipulation are prohibited. Referral participants must be adults; a minor may participate only through the Guardian’s account.

Credits are nontransferable, expire twelve (12) months after issuance, and may be revoked for fraud or a reversed qualifying transaction. We may modify or end a referral program prospectively, but will honor valid credits already earned subject to their stated expiration.

27.1 Entire Agreement

The contract documents identified in Section 2 constitute the entire agreement concerning the Services and replace prior agreements concerning the same Order, except for claims based on fraud or rights that cannot lawfully be waived.

27.2 Amendments and Waivers

A change to an Order must be in a writing approved by an authorized 1550 Plus representative. Tutors and contractors are not authorized to alter price, refund, guarantee, or legal terms. A waiver applies only to the specific instance and must be in writing.

27.3 Assignment

You may not assign or transfer an enrollment or these Terms without our written approval. We may assign these Terms in connection with a merger, reorganization, financing, sale of assets, or transfer of the Services, subject to applicable privacy and consumer laws.

27.4 Severability

Except as specifically stated in Section 22, if a provision is unenforceable, it will be enforced to the maximum lawful extent or severed, and the remainder will continue.

27.5 No Third-Party Beneficiaries; Relationship

These Terms create no third-party beneficiary, partnership, joint venture, fiduciary, employment, or agency relationship between you and 1550 Plus.

27.6 Headings and Interpretation

Headings are for convenience. “Including” means “including without limitation” only where the listed examples do not make the obligation materially uncertain. No presumption against a party applies solely because that party drafted the Terms, to the extent permitted by law.

27.7 Survival

Payment obligations, intellectual-property protections, restrictions on misuse, approved credits and their limitations, disclaimers, liability limits, indemnification, dispute resolution, governing law, and provisions that by nature should survive will remain effective after access ends.