PennyTalk is a service provided by Net2Phone, Inc., a wholly owned subsidiary of IDT. Telecommunications services provided by IDT. By utilizing the PennyTalk service, Customer agrees to the following terms and conditions of use. A 99¢ monthly service fee applies to all accounts and is charged on each monthly anniversary of activation. Connection fee of 49¢ charged at the time each call is made and answer supervision is received. IDT may choose to waive the connection fee for calls made from the PennyTalk Mobile application. Call times for each call are rounded up to the next whole minute and billed in full minute increments. Per call charges are rounded up to the next whole penny. All calls for which we receive answer supervision shall incur a minimum one-minute charge. Cellular surcharges may apply. Check with your cellular service provider for details. A payphone operator recovery fee of 90¢ will be applied to calls made from payphones. USF surcharge applies to total cost of each U.S. inter-state call. Rates and charges subject to change without notice. Check www.pennytalk.com for current rates, charges and terms of use.

The PennyTalk service is available for domestic and international calls. The PennyTalk Mobile application (available for iPhone, Android and BlackBerry) can only be used for international calls; it cannot be used for domestic calls, with the exception of dialing a domestic PennyTalk Save-orite phone number.

Net2Phone relies on answer supervision to determine whether and when a call has been answered. Answer supervision is a signal sent by the carrier connecting the call to indicate the start of call. Answer supervision is generally received when a call is answered; however, answer supervision may also be generated by voicemail systems, private branch exchanges, and interexchange switching equipment. Where no answer supervision is received, we will commence billing forty (40) seconds following dial time unless the caller has terminated the call. You must notify us in writing of any disputed charges within sixty (60) days of the charges or you will have waived your right to dispute the charges.

You assume total responsibility and risk for your use of the service. All services are provided on an "as is, as available" basis. Net2Phone and IDT disclaim any and all warranties and representations, express or implied, including without limitation all warranties of title or non-infringement, or the implied warranties of merchantability or fitness for a particular purpose. Net2Phone and IDT do not warrant that the service is completely error-free or will operate without packet loss or interruption nor does Net2Phone warrant any connection to or any transmission over the Internet. Net2Phone and IDT shall not be liable for any cost or damage arising from your use of or the failure of the service.

The account is non-transferable. Customer shall remain responsible for all charges for the service including, but not limited to, the use or misuse by an unauthorized third party, accidental use or loss of the card.

Customer agrees to timely inform Net2Phone of any unauthorized use or as to any changes in credit card account information and/or change of Customer's billing address. Net2Phone reserves the right at any time to cancel Customer's account for any reason. Your account will expire if it has no calls or payments for 90 consecutive days after reaching a zero balance.

This agreement shall be construed according to the laws of the State of New Jersey. Customer agrees to the exclusive jurisdiction of the federal and state courts of the State of New Jersey for any and all disputes arising hereunder.

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