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you agree to process any personal information of your linked account users in accordance with all applicable data protection laws .

skype paid products are sold to you by skype communications s.à.r.l , however the seller-of-record accountable for taxes is skype communications us corporation .

taxes means the amount of taxes , regulatory fees , surcharges or other fees that we are required to collect from you and must pay to any united states -lrb- federal , state or local -rrb- or foreign government , agency , commission or quasi-governmental body as a result of our provision of skype paid products to you .

these taxes are listed at www.skype.com/go/ustax .

all prices for skype paid products are inclusive of a charge for your product and a charge for taxes , unless otherwise stated .

the charges payable for calling phones outside of a subscription consist of a connection fee -lrb- charged once per call -rrb- and a per-minute rate as set out at www.skype.com/go/allrates .

call charges will be deducted from your skype credit balance .

skype may change its calling rates at any time without notice to you by posting such change at www.skype.com/go/allrates .

the new rate will apply to your next call after publication of the new rates .

please check the latest rates before you make your call .

fractional call minutes and fractional cent charges will be rounded up to the next whole unit .

skype does not guarantee that you will be able to use your skype credit balance to purchase all skype paid products .

if you do not use your skype credit for a period of 180 days , skype will place your skype credit on inactive status .

you can reactivate the skype credit by following the reactivation link at http://www.skype.com/go/store.reactivate.credit .

you can enable the auto recharge feature when you buy skype credit by ticking the appropriate box .

if enabled , your skype credit balance will be recharged with the same amount and by your chosen payment method every time your skype account balance goes below the threshold set by skype from time to time .

if you purchased a subscription with a payment method other than credit card , paypal or moneybookers -lrb- skrill -rrb- , and you have enabled auto-recharge , your skype credit balance will be recharged with the amount necessary to purchase your next recurring subscription .

you can disable auto-recharge at any time by accessing and changing your settings in your skype account .

groupme currently uses us-based numbers for each group created .

every text message sent to or received from a groupme number will count as an international text message sent to or received from the united states .

please check with your provider for the associated international rates .

i. bing and msn materials .

the articles , text , photos , maps , videos , video players , and third-party material available on bing and msn are for your noncommercial , personal use only .

other uses , including downloading , copying , or redistributing these materials , are permitted only to the extent specifically authorized by microsoft or rights holders , or allowed by applicable copyright law .

microsoft or other rights holders reserve all rights to the material not expressly granted by microsoft under the license terms , whether by implication , estoppel , or otherwise .

you may not use bird 's eye imagery of the united states , canada , mexico , new zealand , australia or japan for governmental use without our separate written approval .

rewards -lrb- the `` program '' -rrb- enables you to earn redeemable points for your qualified searches , acquisitions , and other offers from microsoft .

a search is the act of an individual user manually entering text for the good faith purpose of obtaining bing search results for such user 's own research purposes and does not include any query entered by a bot , macro , or other automated or fraudulent means of any kind -lrb- `` search '' -rrb- .

an acquisition is the process of purchasing goods or downloading and acquiring a license for digital content from microsoft , whether free or paid -lrb- `` acquisition '' -rrb- .

microsoft in its sole discretion determines what constitutes a search or acquisition that qualifies for points .

your earned points can be redeemed for items -lrb- `` rewards '' -rrb- in the redemption center .

for more information see the frequently asked questions -lrb- `` faq '' -rrb- .

you need a valid microsoft account and your devices must meet the minimum system requirements .

the program is open to users who reside in the markets listed in the faq .

individuals can have no more than one program account , even if an individual has multiple email addresses , and households are limited to six accounts .

the program is solely for your personal and noncommercial use .

except for donating your points to a nonprofit organization listed in the redemption center , you can not transfer points .

points are not your personal property , and you may not obtain any cash or money in exchange for them .

points are awarded to you on a promotional basis .

you can not purchase points .

microsoft may limit the quantity of points or rewards per person , per household , or over a set period -lrb- e.g. , a day -rrb- .

you may redeem no more than 550,000 points per calendar year in the program .

points earned in the program are not valid in , and may not be used in combination with , any other program offered by microsoft or third parties .

unredeemed points expire if you do not earn or redeem any points for 90 days .

you may redeem your points by visiting the redemption center or you may contribute points to a listed nonprofit organization .

there may be a limited number of a particular reward available , and those rewards will be delivered on a first-come , first-served basis .

you may be required to provide additional information , like your mailing address and a telephone number -lrb- other than a voip or toll-free number -rrb- , and you may also be asked to enter a fraud-prevention code or sign additional legal documents to redeem points for rewards .

once you order a reward , you can not cancel it or return it for a refund of points .

if you order a reward that is out of stock or unavailable for other reasons microsoft determines in its sole discretion , we may substitute a reward of comparable value or refund your points .

microsoft may update the rewards offered in the redemption center or discontinue to offer specific rewards .

some rewards may have age eligibility requirements .

you are responsible for all federal , state , and local taxes and any other costs of accepting and using the reward .

rewards will be emailed to the email address you provide when ordering your reward , so keep your email address up to date .

rewards that are undeliverable will not be reissued and are therefore forfeited .

rewards are not for resale .

cancelling your participation in the program .

your program account will be cancelled if you do not log in at least once in a 180-day period .

additionally , microsoft reserves the right to cancel the program account of a specific user without cause and without providing a reason .

upon program cancellation -lrb- by you or us -rrb- or if the program is suspended , you will have 90 days to redeem your points ; otherwise , those points will be forfeited .

at the point of cancellation , your right to use the program and accrue future points ends .

microsoft reserves the right to disqualify you ; disable your access to the program or your rewards account ; and/or withhold points , rewards and charitable contributions , if microsoft believes you are tampering with or abusing any aspect of the program or may be engaging in activities that violate these terms .

when you provide your data or your content to bing places , you grant microsoft a worldwide , royalty-free intellectual property license to use , reproduce , save , modify , aggregate , promote , transmit , display or distribute as part of a service , and sub-license those rights to third parties .

cortana is microsoft 's personal assistant service .

cortana provides information for your planning purposes only and you should exercise your own independent judgment when reviewing and relying on this information .

microsoft does not guarantee the accuracy , completeness , reliability , availability or timeliness of inferences and personalized experiences provided by cortana .

microsoft is not responsible if a cortana communication management feature delays or prevents you from reviewing or sending a communication .

the outlook.com -lrb- or @msn , @hotmail , or @live -rrb- email address that you use to create your microsoft account will be unique to you for as long as your outlook.com inbox or microsoft account is still active .

in the event your outlook.com inbox or microsoft account is closed either by you or by microsoft pursuant to these terms , the email address or username may be recycled into our system and assigned to another user .

office consumer-based services , applications , or products -lrb- including sway and onenote -rrb- are for your personal , noncommercial use , unless you have commercial use rights under a separate agreement with microsoft .

healthvault is intended for you to store your personal health-related information and information about other people -lrb- such as your family -rrb- with their consent .

healthvault accounts are not for use by healthcare providers or for any other commercial or non-personal purpose .

the information in your account may not always be accurate or up-to-date and should be viewed by any health care provider as informational only .

the healthvault service does not hold records for healthcare providers or other medical or case management purposes .

for example , healthvault records are not designated record sets as defined under u.s. regulations .

if a healthcare provider decides to include any data made available from healthvault in its records , it should store a copy in its own system .

if there is a co-custodian of a record in your account -lrb- because one of you invited the other -rrb- , you acknowledge that the co-custodian has full control over that record and may cancel your access to the record , manage other peoples ' access to the record , and view the record 's data including how and when the record is used .

microsoft does not support non-microsoft credentials -lrb- such as facebook and openid -rrb- , so healthvault customer support will not be able to help with sign-in issues for those .

if you lose your sign-in credentials , or if the account where you got your credentials closes , you will not be able to recover your stored data .

to help maintain continued access , we suggest you use more than one sign-in credential with your healthvault account .

microsoft does not endorse or control , and is not responsible for , the operation , support , or security of non-microsoft credentials you may use .

microsoft health and microsoft band .

microsoft health and the microsoft band are not medical devices and are intended for fitness and wellness purposes only .

they are not designed or intended for use in the diagnosis of disease or other conditions , or in the cure , mitigation , treatment , or prevention of disease .

before starting or modifying any activity or sleep program using microsoft health , consult your physician .

microsoft is not responsible for any decision you make based on information you receive from microsoft .

through microsoft groove , microsoft movies & tv , store and any other related and future services , microsoft may enable you to obtain , listen to , view , play or read -lrb- as the case may be -rrb- music , images , video , text , books , games or other material -lrb- `` digital goods '' -rrb- that you may get in digital form .

the digital goods are only for your personal , noncommercial entertainment use .

you agree not to redistribute , broadcast , publicly perform or publicly display or transfer any copies of the digital goods .

digital goods may be owned by microsoft or by third parties .

in all circumstances , you understand and acknowledge that your rights with respect to digital goods are limited by these terms , copyright law , and the usage rules located at http://go.microsoft.com/fwlink/p/?linkid=723143 .

you agree that you will not attempt to modify any digital goods obtained through any of the services for any reason whatsoever , including for the purpose of disguising or changing ownership or source of the digital goods .

microsoft or the owners of the digital goods may , from time to time , remove digital goods from the services without notice .

if you have more content stored in your onedrive account than is provided to you under the terms of your free or paid subscription service for onedrive and you do not respond to notice from microsoft to fix your account by removing excess content or moving to a new subscription plan with more storage , we reserve the right to close your account and delete or disable access to your content on onedrive .

depending on factors such as your equipment , internet connection and microsoft 's efforts to maintain the performance and integrity of its service , you may occasionally experience delays in uploading or syncing content on onedrive .

binding arbitration and class action waiver

binding arbitration and class action waiver if you live in -lrb- or if a business your principal place of business is in -rrb- the united states .

we hope we never have a dispute , but if we do , you and we agree to try for 60 days to resolve it informally .

if we ca n't , you and we agree to binding individual arbitration before the american arbitration association -lrb- `` aaa '' -rrb- under the federal arbitration act -lrb- `` faa '' -rrb- , and not to sue in court in front of a judge or jury .

instead , a neutral arbitrator will decide and the arbitrator 's decision will be final except for a limited right of review under the faa .

class action lawsuits , class-wide arbitrations , private attorney-general actions , and any other proceeding where someone acts in a representative capacity are n't allowed .