Notwithstanding the contrary in these Terms, you agree that neither you nor the entity shall be entitled to arbitration if the class action waiver is held to be invalid or unenforceable at the foregoing rate. This arbitration agreement is governed by the Federal Arbitration Act. I could even start saving a little. Social Security doesn`t pay much, so it`s very important for me to be able to save money. They keep making changes and improvements and constantly revising their platform to benefit their users. I know some people may not have had the best experience, but for me, I didn`t have the first problem and I foresee a very long financial relationship with them. I even convinced a few people to give it to them. Everyone seems satisfied with his decision. If you are on the fence, I tell you, do it. You really don`t have much to lose.