vetr is an Australian business entity.
In registering your account on the vetr portal you are joining the vetr community as a community member.
In registering, you are confirming:
Please note, you are able to unsubscribe from vetr direct marketing contact at any time.
If you unsubscribe from vetr weekly updates and marketing communications in future, if you have registered and are a member of the vetr web portal you will need to cancel your account if you also do not wish to receive vetr portal communications related to services - please contact us to confirm account cancellation.
vetr is committed to maintaining the privacy and confidentiality of its clients and personnel records. vetr complies with the Privacy Act 1988 including the 13 Australian Privacy Principles (APPs) as outlined in the Privacy Amendment (Enhancing Privacy Protection) Act 2012.
The following sections of this policy outline how we manage personal information.
Australian Privacy Principle 1 – Open and transparent management of personal information
Purposes for information collection, retention, use and disclosure
vetr retains a record of personal information about all individuals with whom we undertake any form of business activity. vetr must collect, hold, use and disclose information from our clients and stakeholders for a range of purposes, including but not limited to:
Individuals are advised that due to these requirements, vetr may disclose information held on individuals for valid purposes to a range of entities including:
Kinds of personal information collected and held
The following types of personal information are generally collected, depending on the need for service delivery:
The following types of sensitive information (as defined in the Australian context) may also be collected and held:
How personal information is collected
vetr’s usual approach to collecting personal information is to collect any required information directly from the individuals concerned. This may include the use of forms (such as registration forms, enrolment forms or service delivery records) and the use of web based systems (such as online enquiry forms, web portals or internal operating systems). vetr does receive solicited and unsolicited information from third party sources in undertaking service delivery activities. This may include information from such entities as:
How personal information is held
vetr’s usual approach to holding personal information includes robust storage and security measures at all times. Information on collection is:
Only authorised personnel are provided with login information to each system, with system access limited to only those relevant to their specific role. vetr ICT systems are hosted with robust security to server systems access. Virus protection, backup procedures and ongoing access monitoring procedures are in place. Destruction of paper based records occurs as soon as practicable in every matter, through the use of secure shredding and destruction services at all vetr sites. Individual information held across systems is linked through vetr allocated identification number for each individual.
Retention and destruction of information
vetr maintains a retention and disposal schedule documenting the periods for which personal information records are kept.
Accessing and seeking correction of personal information
vetr confirms all individuals have a right to request access to their personal information held and to request its correction at any time. In order to request access to personal records, individuals are to make contact with:
vetr Privacy Officer
A number of third parties, other than the individual, may request access to an individual’s personal information. Such third parties may include employers, Governments (Commonwealth, State or Local) and various other stakeholders. In all cases where access is requested, vetr will ensure that:
Complaints about a breach of the APPs or a binding registered APP code
If an individual feels that vetr may have breached one of the APPs or a binding registered APP Privacy Complaints Procedure below for further information.
Likely overseas disclosures
vetr confirms that individuals’ personal information will not be disclosed to overseas recipients other than in the course of general cloud hosting requirements of the vetr web portal or other vetr cloud solutions. Varied overseas locations may be used as part of reputable cloud hosting services for provision of portal services. Main site services are provided from the highly secure AWS EC2 data centre in East Virginia USA.
Where this policy is updated, changes to the policy are widely communicated to stakeholders through internal personnel communications, meetings, training and documentation, and externally through publishing of the policy on the vetr portal and other relevant documentation for clients.
Australian Privacy Principle 2 – Anonymity and pseudonymity
vetr provides individuals with the option of not identifying themselves, or of using a pseudonym, when dealing with us in relation to a particular matter, whenever practical. This includes providing options for anonymous dealings in cases of general project enquiries or other situations in which an individuals’ information is not required to complete a request.
Individuals may deal with us by using a name, term or descriptor that is different to the individual’s actual name wherever possible. This includes using generic email addresses that does not contain an individual’s actual name, or generic user names when individuals may access a public component of our website or enquiry forms.
vetr only stores and links pseudonyms to individual personal information in cases where this is required for service delivery (such as system login information) or once the individual’s consent has been received. Individuals are advised of their opportunity to deal anonymously or by pseudonym with us where these options are possible.
Australian Privacy Principle 3 — Collection of solicited personal information
vetr only collects personal information that is reasonably necessary for our business activities. We only collect sensitive information (as defined in the Australian context) in cases where the individual consents to the sensitive information being collected, except in cases where we are required to collect this information by law, such as outlined earlier in this policy. All information we collect is collected only by lawful and fair means. We only collect solicited information directly from the individual concerned, unless it is unreasonable or impracticable for the personal information to only be collected in this manner.
Australian Privacy Principle 4 – Dealing with unsolicited personal information
vetr may from time to time receive unsolicited personal information. Where this occurs we promptly review the information to decide whether or not we could have collected the information for the purpose of our business activities. Where this is the case, we may hold, use and disclose the information appropriately as per the practices outlined in this policy. Where we could not have collected this information (by law or for a valid business purpose) we immediately destroy or de-identify the information (unless it would be unlawful to do so).
Australian Privacy Principle 5 – Notification of the collection of personal information
Whenever vetr collects personal information about an individual, we take reasonable steps to notify the individual of the details of the information collection or otherwise ensure the individual is aware of those matters. This notification occurs at or before the time of collection, or as soon as practicable afterwards. Our notifications to individuals on data collection include:
Where possible, we ensure that the individual confirms their understanding of these details, such as through signed declarations, website form acceptance of details or in person through questioning.
Collection from third parties
Where vetr collects personal information from another organisation, we:
Australian Privacy Principle 6 – Use or disclosure of personal information
vetr only uses or discloses personal information it holds about an individual for the particular primary purposes for which the information was collected, or secondary purposes in cases where:
Requirement to make a written note of use or disclosure for this secondary purpose
If vetr uses or discloses personal information in accordance with an ‘enforcement related activity’ we will make a written note of the use or disclosure, including the following details:
Australian Privacy Principle 7 – Direct marketing
vetr does not use or disclose the personal information that it holds about an individual for the purpose of direct marketing, unless:
vetr may share user details with third parties where a product or service association exists and the user is participating in this product or service. Joining and use of vetr services includes an acceptance and provision of consent for these activities. On each of our direct marketing communications, vetr provides a prominent statement that the individual may request to opt out of future communications, and how to do so. An individual may also request us at any stage not to use or disclose their personal information for the purpose of direct marketing, or to facilitate direct marketing by other organisations. We comply with any request by an individual promptly and undertake any required actions for free. We also, on request, notify an individual of our source of their personal information used or disclosed for the purpose of direct marketing unless it is unreasonable or impracticable to do so.
Australian Privacy Principle 8 – Cross-border disclosure of personal information
Before vetr discloses personal information about an individual to any overseas recipient, we undertake take reasonable steps to ensure that the recipient does not breach any privacy matters in relation to that information. It is disclosed that the vetr portal, using the MatrixLMS technology solution, is hosted in the Amazon Web Services (AWS) EC2 location in the United States of America.
Australian Privacy Principle 9 – Adoption, use or disclosure of government related identifiers
vetr does not adopt, use or disclose a government related identifier related to an individual except:
Australian Privacy Principle 10 – Quality of personal information
vetr takes reasonable steps to ensure that the personal information it collects is accurate, up-to-date and complete. We also take reasonable steps to ensure that the personal information we use or disclose is, having regard to the purpose of the use or disclosure, accurate, up-to-date, complete and relevant. This is particularly important where:
We take steps to ensure personal information is factually correct. In cases of an opinion, we ensure information takes into account competing facts and views and makes an informed assessment, providing it is clear this is an opinion. Information is confirmed up-to-date at the point in time to which the personal information relates.
Quality measures in place supporting these requirements include:
Australian Privacy Principle 11 — Security of personal information
vetr takes active measures to consider whether we are able to retain personal information we hold, and also to ensure the security of personal information we hold. This includes reasonable steps to protect the information from misuse, interference and loss, as well as unauthorised access, modification or disclosure. We destroy or de-identify personal information held once the information is no longer needed for any purpose for which the information may be legally used or disclosed. Regular staff training and information bulletins are conducted with vetr personnel on privacy issues, and how the APPs apply to our practices, procedures and systems. Training is also included in our personnel induction practices.
Australian Privacy Principle 12 — Access to personal information
Where vetr holds personal information about an individual, we provide that individual access to the information on their request. In processing requests, we:
Australian Privacy Principle 13 – Correction of personal information
vetr takes reasonable steps to correct personal information we hold, to ensure it is accurate, up-to-date, complete, relevant and not misleading, having regard to the purpose for which it is held.
On an individual’s request, we:
In cases where we refuse to update personal information, we:
Correcting at vetr’s initiative
We take reasonable steps to correct personal information we hold in cases where we are satisfied that the personal information held is inaccurate, out-of-date, incomplete, irrelevant or misleading (that is, the information is faulty). This awareness may occur through collection of updated information, in notification from third parties or through other means.
‘Request for Records Access’ Procedure
Individuals or third parties may at any stage request access to records held by vetr relating to their personal information. The following procedure is followed on each individual request for access:
This request may be in any form, or preferably using vetr’s Records Access or Update Request Form.
vetr personnel must be satisfied that a request for personal information is made by the individual concerned, or by another person who is authorised to make a request on their behalf. The minimum amount of personal information needed to establish an individual’s identity is sought, which is generally an individual’s name, date of birth, last known address and signature. When meeting the requesting party in person, identification may be sighted. If confirming details over a telephone conversation, questions regarding the individual’s name, date of birth, last known address or service details may be confirmed before information is provided.
Where the requested format is not practical, we consult with the requester to ensure a format is provided that meets the requester’s needs.
‘Request for Records Update’ Procedure
Individuals or third parties may at any stage request that their records held by vetr relating to their personal information be updated. The following procedure is followed on each individual request for records updates:
This request may be in any form, or preferably using vetr’s Records Access or Update Request Form.
vetr personnel assess the relevant personal information we hold, and the requested updated information, to determine which version of the information is considered accurate, up-to-date, complete, relevant and not misleading, having regard to the purpose for which it is held. This may include checking information against other records held by us, or within government databases, in order to complete an assessment of the correct version of the information to be used.
Privacy Complaints Procedure
If an individual feels that vetr has breached its obligations in the handling, use or disclosure of their personal information, they may raise a complaint. We encourage individuals to discuss the situation with their vetr representative in the first instance, before making a complaint.
The complaints handling process is as follows:
vetr Privacy Officer
03 9017 0175
Office of the Australian Information Commissioner
Phone: 1300 363 992
When investigating a complaint, the OAIC will initially attempt to conciliate the complaint, before considering the exercise of other complaint resolution powers. By making a purchase with vetr you are entering into a contract between you and vetr. This Agreement sets out the conditions under which you order and purchase from vetr. By using the services of the vetr website you are bound by this Agreement.
vetr asserts that it does not consider FERPA requirements are applicable to vetr operations or the vetr portal, regardless of the location of, or citizenship of any user.
In registering on the vetr portal, any user where FERPA may apply has acknowledged that vetr operates primarily in compliance to laws in the Australian jurisdiction and has agreed to be bound by the laws of Victoria, Australia.
Regardless of this assertion and user agreement, vetr provides the following FERPA general information and notice to all users.
Notice for Directory Information
For organisations bound by FERPA, it is required that the organisation obtain your written consent prior to the disclosure of personally identifiable information from education records. However, the organisation may disclose appropriately designated “directory information” without written consent, unless you have advised the organisation to the contrary in accordance with that organisation's procedures. The primary purpose of directory information is to allow the organisation to include information from your education records in certain publications. Examples include within the organisation's secure online portal contact directory.
Directory information, which is information that is generally not considered harmful or an invasion of privacy if released, can also be disclosed to outside organisations without your prior written consent. Outside organisations include, but are not limited to, companies that are suppliers to the organisation.
In addition, two United States federal laws require local educational agencies (LEAs) receiving assistance under the Elementary and Secondary Education Act of 1965, as amended (ESEA) to provide military recruiters, upon request, with the following information – names, addresses and telephone listings – unless you have advised the LEA that they do not want your information disclosed without your prior written consent.
If you do not want an organisation to disclose any or all of the types of information designated below as directory information without your prior written consent, you must notify the organisation in writing at your convenience.
vetr has designated the following information as directory information within the vetr portal:
For further information on technology compliance to FERPA requirements, please refer to MATRIX LMS Privacy.
vetr asserts that it does not consider GDPR requirements are applicable to vetr operations or the vetr portal, regardless of the location of, or citizenship of any user.
In registering on the vetr portal, any user where GDPR may apply has acknowledged that vetr operates primarily in compliance to laws in the Australian jurisdiction and has agreed to be bound by the laws of Victoria, Australia.
Regardless of this assertion and user agreement, vetr provides the following GDPR general information and notice to all users.
Processing of personal data
vetr needs to process very limited personal data in order to carry out tasks related to business activities.
vetr is able to undertake processing of personal data as we:
vetr's legitimate interest includes data processing taking place within a client relationship, when vetr processes personal data for direct marketing purposes, to prevent fraud or to ensure the network and information security of our IT systems.
vetr informs individuals about this processing when collecting personal data. When vetr collects personal data from users, we provide information about:
vetr processes personal data in a lawful and transparent manner, ensuring fairness towards the individuals whose personal data we’re processing. vetr has specific purposes for processing the data and has indicated those purposes to users when collecting their personal data.
vetr only collects and processes personal data that is necessary to fulfil our purpose(s). vetr ensures that personal data is accurate and up-to-date, having regard to the purposes for which it’s processed, and corrects it if not. vetr ensures that personal data is stored for no longer than necessary for the purposes for which it was collected.
vetr uses appropriate technical and organisational safeguards that ensure the security of the personal data, including protection against unauthorised or unlawful processing and against accidental loss, destruction or damage, using appropriate technology.
For further information on technology compliance to GDPR requirements, please refer to MATRIX LMS Privacy.
By making a purchase with vetr you are entering into a contract between you and vetr. This agreement sets out the conditions under which you order and purchase from vetr. By using the services of the vetr portal you are also bound by this agreement.
In these conditions:
An agreement exists between you and vetr once:
Each registration and/or order is a separate agreement.
Your contact & other details
You must complete relevant registration contact information and your billing details as part of registering on the vetr portal and/or placing an order with vetr. You warrant that all information and data provided by you in these details is accurate, complete and up to date. You must promptly inform vetr if there is a change to this information or data.
In providing your contact details you are opting into receipt of various communications from vetr including updates and general marketing. This includes the express permission for vetr to porvide your general contact details to third parties for the purposes of direct marketing. You may opt-out of these communications at any stage.
All vetr marketing communications include a 'one click' unsubscribe feature so that you may opt out at any time.
The ability to communicate on a regular basis with the vetr community is of high importance and support to community members as services delivery occurs.
At any stage, any individual user raising external complaint or inappropriate claim regarding vetr's marketing or services delivery communications, without using unsubscribe features and discussing any concern with vetr in the first instance will be deemed to be in breach of these site usage terms. Such external complaint or concern puts at risk the ability for vetr to service all community members, and as such will be treated appropriately.
Orders and delivery of goods or services
Anyone at the delivery address (physical or digital) who receives the goods or services shall be presumed by vetr to be authorised to receive the goods or services. vetr may request that the person who receives the goods or services at the delivery sign or confirm proof of receipt.
Risk in the goods and services
Risk in the goods or services passes to you upon delivery of the goods or services to the delivery address.
Price of goods and services and payment
The purchase price of the goods and services as shown on the product offering is the purchase price which is applicable at the time you view it. All prices are in Australian dollars and are, in the case of purchases for delivery in Australia, inclusive of GST where applicable.
Total price of goods or services
Goods or services in your order are charged at the purchase price applicable at the time you submit your order and as shown on the order confirmation.
Upon the placing of and payment for your order vetr will provide you with an electronic invoice (and in the case of purchases for delivery in Australia, a Tax Invoice / Tax Receipt) specifying the total price for the goods and services.
Online payment by credit card
You must pay for the goods or services after placing the order on request from vetr - vetr will process a facility to make your payment using your credit card (MasterCard, Visa or American Express). The payment will be processed after the time of the order and before the goods or services are delivered.
Intellectual property rights
You acknowledge that vetr (or its resource partners) owns or is licensed to use all intellectual property rights in goods and services, including any images, photographs or text which appears on the vetr portal. You must not make any representation to the contrary and you must not use or copy vetr in any manner which is inconsistent with the rights of the owner or licensee of such intellectual property rights. You acknowledge that any trademarks or logos which appear on the vetr website are owned by or licensed to vetr and that you must not do anything to prejudice the rights of the trademark owner or licensee to such trademarks or logos.
You acknowledge that the vert portal, goods and services are provided "as is" and that vetr is not making and has not made any warranty or representation as to their suitability for any particular purpose. In using the vetr portal, you are not relying on any statement or representation made by vetr which is not expressly contained in this agreement. Any liability of vetr arising out of or in connection with a breach of an express or implied warranty or condition in respect of goods or services supplied to you through the use of the vetr portal (other than a condition or warranty implied by legislation which does not permit vetr’s liability to be limited as stated in this agreement) will, at the election of vetr, be limited to:
The entire risk arising out of installation, downloading, use or performance of any goods or services remains with you. To the extent permitted by law, you release and discharge vetr from all forms of direct, special, indirect or consequential loss or damage (including loss of profits, loss of data or loss or damage that may reasonably have been supposed to have been in the contemplation of the parties as at the date of this Agreement) arising out of or in connection with vetr or this agreement, including loss or damage caused by the negligence of vetr or its employees or its agents.
Notification of changes
vetr may add to, delete, or otherwise change any of the terms of this agreement at any time by giving you notice. Your use of the vetr portal, goods and services after notice is provided will constitute your deemed acceptance of such changes.
vetr may terminate or suspend this agreement at any time by delivering notice, effective the day notice is received, or such later date as specified in the notice.
vetr may give notice to you by electronic mail, conventional mail or notice posting on the vetr portal.
Each provision of this agreement including these conditions is severable. Severance does not affect any other provision.
The laws of Victoria, Australia govern this Agreement. You and vetr submit to the non-exclusive jurisdiction of the Courts of Victoria in respect of this Agreement.
The vetr site is a cloud-hosted digital learning environment, using the MATRIX LMS technology solution by Cypher Learning. In using the vetr portal you are bound by the Terms and Conditions outlined here, and also by the Terms of Service of MATRIX LMS.
In providing your contact details at registration you are opting into receipt of various communications from vetr including updates and general marketing. You may opt-out of these communications at any stage. All vetr marketing communications include a 'one click' unsubscribe feature.
You should not upload any content that contains a virus or that is unlawful, obscene, or offensive by normal community standards. If we notice this kind of content, then we will ask you to remove it from our site. If you do not comply in a timely fashion, then we reserve the right to delete the content from your site and/or suspend your site.
When you join you will also be asked to choose a password. You are entirely responsible for maintaining the confidentiality of your password. You agree not to use the account, username, or password of another user at any time or to disclose your password to any third party. You agree to notify vetr immediately if you suspect any unauthorised use of your account or access to your password. You are solely responsible for any and all use of your account.
Accounts many not be shared
We do not allow accounts to be shared by users. This is for a variety of reasons, including:
Digital learning solution plans
For organisations taking a digital learning solution plan, fees are levied on a monthly basis. If we don't receive your payment when it is scheduled, you will receive a warning notice with instructions on how to address the issue. If the payment problem is not addressed within two weeks of receiving the payment warning notice, then we reserve the right to suspend the portal access of all users related to your organisation until the outstanding payment is received.
All users engaged in use of the portal and/or digital learning solution site e-commerce are also bound by the Stripe Terms of Service (Australia) as outlined and available at: https://stripe.com/au/terms
We use industry best practices to provide a high uptime, including a fault-tolerant architecture hosted in multiple Amazon cloud zones. Since the base portal technology was launched in 2009 we are advised there is a 99.95% uptime record. We do not guarantee a particular uptime, and we do not provide any kind of refund for outages.
We provide technical support via our online helpdesk forum. We strive to respond to support requests within one hour during business hours (9am to 5pm AEST), but we do not guarantee a particular response time.
Ratings & reviews
You as a user are aware that in providing course or resource ratings and reviews on the vetr portal that you are providing permission for the publishing of this information at vetr's discretion.
If a critical bug is reported, our technology partner's dedicated engineering resources will fix the bug as soon as commercially possible. Our technology partner prioritises and fixes non-critical bugs at its own discretion.
Our technology partner creates automated on-site and off-site backups of our database. These backups are primarily for the purpose of restoring the production database in the event of a database corruption or other kind of disaster. We provide a trash can feature to allow our users to undo an accidental deletion. If data is deleted due to user error, our support service does not include restoring this data. If data is deleted due to a bug, then our technology partner will try to restore the data if it's commercially feasible.
We use industry best practices to protect the privacy and security of your data. If vetr or our technology partner detects a security breach, we will immediately work to fix the issue as well as alert our users if there is a threat to their content or passwords so that they can take appropriate action such as resetting their passwords.
Intellectual property rights
vetr acknowledges and accepts that it will not, as a result of portal usage, acquire any intellectual property rights or any ownership interest in any resource or any resource content provided by resource partners or other users.
You as a user acknowledge and accept that you will not, as a result of portal usage, acquire any intellectual property rights or any ownership interest in the vetr portal. Users agree not to use any of vetr’s or our technology partner's intellectual property rights (including without limitation, intellectual property rights in the solutions and functionality of the vetr portal or base technology solution) for any purpose other than as generally offered within the portal functionality.
vetr is not responsible for any incorrect or inaccurate content posted on the portal or in connection with the portal features, whether caused by users of the portal features or by any of the equipment or programming associated with or utilised in the portal features. Profiles created and posted by members on the portal may contain links to other web sites.
vetr is not responsible for the content, accuracy or opinions expressed on such web sites, and such web sites are in no way investigated, monitored or checked for accuracy or completeness by vetr. Inclusion of any linked web site on the vetr features does not imply approval or endorsement of the linked web site by vetr. When you access these third-party sites, you do so at your own risk.
vetr takes no responsibility for third party advertisements which are posted on this site or through the site features, nor does it take any responsibility for the goods or services provided by its advertisers. vetr is not responsible for the conduct, whether online or offline, of any user of the site features.
vetr assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to, or alteration of, any user or user communication.
vetr is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email or players due to technical problems or traffic congestion on the Internet or on any of the portal features or combination thereof, including any injury or damage to users or to any person's computer related to or resulting from participation or downloading materials in connection with the portal features.
Under no circumstances shall vetr be responsible for any loss or damage, including personal injury or death, resulting from use of the portal features, attendance at a vetr event, from any content posted on or through the portal features, or from the conduct of any users of the site features, whether online or offline. The site features are provided "as-is" and as available and vetr expressly disclaims any warranty of fitness for a particular purpose or non-infringement.
vetr cannot guarantee and does not promise any specific results from use of the site features.
You as a user represent and warrants to vetr that:
Service Suspension and/or Cessation
vetr may suspend and/or cancel the access of any portal user account, at any time, without refund of any fees paid, at vetr's discretion, in cases where any user is in breach of the site terms and conditions outlined.
In no event shall vetr be liable to you or any third party for any indirect, consequential, exemplary, incidental, special or punitive damages, including lost profit damages arising from your use of the portal, even if vetr has been advised of the possibility of such damages. Notwithstanding to the contrary contained herein, vetr liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to vetr for the portal features during the term of use.
If there is any dispute about or involving the portal features, you agree that the dispute shall be governed by the laws of Victoria, Australia, without regard to conflict of law provisions and you agree to exclusive personal jurisdiction and venue in the state and federal courts of Australia. Either vetr or you may demand that any dispute between vetr and you about or involving the portal features must be settled by arbitration utilising the dispute resolution procedures of a vetr appointed arbiter, provided that the foregoing shall not prevent vetr from seeking injunctive relief in a court of competent jurisdiction.
You agree to indemnify and hold vetr, its subsidiaries, and affiliates, and their respective officers, agents, partners and employees, harmless from any loss, liability, claim, or demand, including reasonable legal fees, made by any third party due to or arising out of your use of the site features in violation of this agreement and/or arising from a breach of this agreement and/or any breach of your representations and warranties set forth above and/or if any content that you post on the site or through the site features causes vetr to be liable to another.
This agreement is accepted upon your use of the portal or any of the portal features and is further affirmed by you becoming a user. This agreement constitutes the entire agreement between you and vetr regarding the use of the portal features. The failure of vetr to exercise or enforce any right or provision of this agreement shall not operate as a waiver of such right or provision. The section titles in this agreement are for convenience only and have no legal or contractual effect. This agreement operates to the fullest extent permissible by law. If any provision of this agreement is unlawful, void or unenforceable, that provision is deemed severable from this agreement and does not affect the validity and enforceability of any remaining provisions.