if you opt out of the arbitration agreement , if the arbitration agreement is found by a court to be unenforceable , if your claim is an excluded dispute , or if you neither are a resident of nor have a principal place of business in the us or canada , you agree to resolve any claim you have with us arising out of or relating to these terms or onavo exclusively in a state or federal court located in san mateo county , california , united states and to submit to the personal jurisdiction of the courts located in san mateo county , california , united states for purpose of litigating all such claims .