You understand that unless required by applicable law, we will not provide insurance coverage of any kind whatsoever. You shall defend, indemnify, and hold us, our parent and affiliated companies, and their respective directors, officers, shareholders, employees, agents, service providers, representatives, contractors, licensors, suppliers, successors and assigns harmless from all losses, liabilities, damages, injuries, claims, demands, awards, costs, attorney fees, and other expenses incurred by us in any manner arising from the Zap Subscription Agreement or from the use of the electric bicycle by you or any person, including claims of, or liabilities to, third parties. You may present a claim to your insurance carrier for such events or losses; but in any event, you shall have final responsibility to us for all such events or losses. YOU WAIVE ANY CLAIM AGAINST US FOR INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH YOUR SUBSCRIPTION. WE DO NOT REPRESENT OR WARRANT THE QUALITY OR SAFETY CHARACTERISTICS OF ANY ELECTRIC BICYCLE AND/OR ANY HELMET, AND YOU AGREE THAT WE ARE NOT LIABLE FOR ANY INJURY SUFFERED BY ANY PERSON WHILE RIDING AN ELECTRIC BICYCLE, WHETHER OR NOT SUCH PERSON IS WEARING A HELMET AT THE TIME OF INJURY. YOU ASSUME ALL RISK OF NOT WEARING A HELMET OR OTHER PROTECTIVE CLOTHING AND GEAR.