If you subscribe to a service for which a user fee is charged at the end of the billing period (“Postpay Service”) or if you have a installment contract for device payments, we may at any time review your credit history in relation to the service subscription or installment payment contract. If you want the name and address of a credit agency that gives us a credit report on you, just ask. This agreement and the documents it contains are the whole agreement between us. You cannot rely on other documents or what is said by sales or after-sales staff, and you have no other rights to the service or this contract. This agreement does not benefit third parties, with the exception of our parent companies, related companies, subsidiaries, agents, predecessors and rights holders. If not, if we agreed otherwise in this agreement, this agreement and all the disputes that fall within that agreement are governed by federal law and state laws that include the prefix of your wireless phone number, if you have accepted that agreement, regardless of the conflicts of the laws and rules of that state. If it is still within the device`s 14-day return and exchange time, you can only pay for the device at a verizon store. Yes, yes. You get the value of the trade and you can use the balance for the purchase of your new device, to buy accessories or to pay your wireless verizon bill. However, you cannot use the exchange value to reduce the retail price of the new device.