by accessing the service , you understand that you may be waiving rights with respect to claims that are at this time unknown or unsuspected , and in accordance with such waiver , you acknowledge that you have read and understand , and hereby expressly waive , the benefits of section 1542 of the civil code of california , and any similar law of any state or territory , which provides as follows : `` a general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release , which if known by him must have materially affected his settlement with the debtor . ''