This Agreement is effective upon your access and use of the Website unless and until terminated by You or PHH. This Agreement will automatically terminate if You did not accept the terms and conditions of this Agreement. You may terminate this Agreement at any time upon delivery of written notice to PHH, provided that any such termination will have no effect on Your liability as a result of Your use of and/or access to the Website and for all amounts owing to PHH as of the date of such termination. PHH may also terminate this Agreement at any time and without notice if, in PHH’s sole and absolute discretion, You failed to comply with any term or provision of this Agreement. PHH reserves the right, without prior notice and in its sole and absolute discretion, to change, suspend, discontinue, or limit Your access to any aspect of the Website at any time that PHH has reason to believe that You have violated the terms and conditions of this Agreement. Upon termination of this Agreement by either You or PHH, You must promptly destroy all materials downloaded or otherwise obtained from the Website, as well as all copies of such material, whether made under the terms of this Agreement or otherwise.