we reserve the right to suspend or terminate your access to the services with notice to you if : -lrb- a -rrb- you 're in breach of these terms , -lrb- b -rrb- you 're using the services in a manner that would cause a real risk of harm or loss to us or other users , or -lrb- c -rrb- you do n't have a paid account and have n't accessed our services for 12 consecutive months .