(e) Opt-out procedure You can refuse this opt-out agreement by sending us an opt-out notice. The opt-out notice must be stamped with a postmark no later than 30 days after the date you accept the user agreement. You must send the opt-out notice to 2 West Dry Creek Circle, Suite 100, Littleton, Colorado 80120. Your opt-out notice must contain your name, address (including street number and address, city, land and zip code), phone number and email address with which you log to the (s) BibHub (s) account to which the opt-out count applies. They must sign the opt-out notification for it to be effective. This procedure is the only way to contradict the agreement. If you opt out of the conciliation agreement, all other parts of the user agreement will continue to apply. The opt-out of this conciliation agreement will have no impact on past, other or future arbitration agreements that you may have with us. When the agreement was announced in London, representatives noted that fintech solutions are likely to bring about significant changes through the use of technological innovations, making financial processes faster and more transparent. That`s an expectation that customers have today.