10. Contracting Entity, Choice of Law, & Location for Resolving Disputes. For your use of free and paid consumer Skype-branded Services, you are contracting with, and all references to 'Microsoft' in these Terms mean, Skype Communications S.à.r.l, 23 – 29 Rives de Clausen, L-2165 Luxembourg. For free or paid consumer Skype-branded Services, Luxembourg law governs the interpretation of these Terms and claims for their breach, regardless of conflict of law principles. The laws of the province or country where you live govern all other claims (including consumer protection, unfair competition, and tort claims). If you accepted these Terms by creating a Skype account or using Skype, you and we irrevocably agree to the exclusive jurisdiction and venue of the Luxembourg courts for all disputes arising out of or relating to these Terms or the consumer Skype-branded Services. For all other Services, if you accepted these Terms by creating a Microsoft account or using any other Service, the entity with which you are contracting, the governing law, and the location to resolve disputes appear below:

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• a. Canada. If you live in (or, if a business, your principal place of business is in) Canada, you are contracting with Microsoft Corporation, One Microsoft Way, Redmond, WA 98052, U.S.A. The laws of the province where you live (or, if a business, your principal place of business) govern the interpretation of these Terms, claims for their breach, and all other claims (including consumer protection, unfair competition, and tort claims), regardless of conflict of law principles. You and we irrevocably consent to the exclusive jurisdiction and venue of the courts in Ontario for all disputes arising out of or relating to these Terms or the Services.
• b. North or South America outside the United States and Canada. If you live in (or, if a business, your principal place of business is in) North or South America outside the United States and Canada, you are contracting with Microsoft Corporation, One Microsoft Way, Redmond, WA 98052, U.S.A. Washington State law governs the interpretation of these Terms and claims for their breach, regardless of choice of law principles. The laws of the country to which we direct your Services govern all other claims (including consumer protection, unfair competition, and tort claims).
• c. Middle East or Africa. If you live in (or, if a business, your principal place of business is in) the Middle East or Africa, and you are using free portions of the Services (such as Bing and MSN), you are contracting with Microsoft Corporation, One Microsoft Way, Redmond, WA 98052, U.S.A. If you paid to use a portion of the Services, you are contracting with Microsoft Ireland Operations Limited, One Microsoft Place, South County Business Park, Leopardstown, Dublin 18, Ireland. For free and paid Services, the laws of Ireland govern the interpretation of these Terms and claims for their breach, regardless of conflict of laws principles. The laws of the country to which we direct your Services govern all other claims (including consumer protection, unfair competition, and tort claims). You and we irrevocably agree to the exclusive jurisdiction and venue of the courts of Ireland for all disputes arising out of or relating to these Terms or the Services.
• d. Asia or the South Pacific, unless your country is specifically called out below. If you live in (or, if a business, your principal place of business is in) Asia (except China, Japan, the Republic of Korea, or Taiwan) or the South Pacific, and you are using free portions of the Services (such as Bing and MSN), you are contracting with Microsoft Corporation, One Microsoft Way, Redmond, WA 98052, U.S.A. If you paid to use a portion of the Services, or are using the free Outlook.com service in Singapore or Hong Kong, you are contracting with Microsoft Regional Sales Corp., a corporation organized under the laws of the State of Nevada, U.S.A., with branches in Singapore and Hong Kong, having its principal place of business at 438B Alexandra Road, #04-09/12, Block B, Alexandra Technopark, Singapore, 119968; provided, that if you live in (or, if a business, your principal place of business is in) Australia, you are contracting with Microsoft Pty Ltd, 1 Epping Road, North Ryde, NSW 2113, Australia and if you live in (or, if a business, your principal place of business is in) New Zealand, you are contracting with Microsoft New Zealand Limited, Level 5, 22 Viaduct Harbour Avenue, PO Box 8070 Symonds Street, Auckland, 1150 New Zealand. For free and paid Services, Washington State law governs the interpretation of these Terms and claims for their breach, regardless of conflict of laws principles. The laws of the country to which we direct your Services govern all other claims (including consumer protection, unfair competition, and tort claims). Any dispute arising out of or in connection with these Terms or the Services besides Skype, including any question regarding their existence, validity, or termination, will be referred to and finally resolved by arbitration in Singapore in accordance with the Arbitration Rules of the Singapore International Arbitration Center (SIAC), which rules are deemed to be incorporated by reference into this clause. The Tribunal will consist of one arbitrator to be appointed by the President of SIAC. The language of arbitration will be English. The decision of the arbitrator will be final, binding, and incontestable, and it may be used as a basis for judgment in any country or region.
• e. Japan. If you live in (or, if a business, your principal place of business is in) Japan, and you are using free portions of the Services (such as Bing and MSN), you are contracting with Microsoft Corporation, One Microsoft Way, Redmond, WA 98052, U.S.A. If you paid to use a portion of the Services, you are contracting with Microsoft Japan Co., Ltd (MSKK), Shinagawa Grand Central Tower, 2-16-3 Konan Minato-ku, Tokyo 108-0075. For free and paid Services, the laws of Japan govern these Terms and any matters arising out of or relating to them or the Services. You and we irrevocably agree to the exclusive original jurisdiction and venue of the Tokyo District Court for all disputes arising out of or relating to these Terms or the Services.
• f. Republic of Korea. If you live in (or, if a business, your principal place of business is in) the Republic of Korea, and you are using free portions of the Services (such as Bing and MSN), you are contracting with Microsoft Corporation, One Microsoft Way, Redmond, WA 98052, U.S.A. If you paid to use a portion of the Services, you are contracting with Microsoft Korea, Inc., 11th Floor, Tower A, K-Twin Tower, Jongro 1 gil 50, Jongro-gu, Seoul, Republic of Korea, 110-150. For free and paid Services, the laws of the Republic of Korea govern these Terms and any matters arising out of or relating to them or the Services. You and we irrevocably agree to exclusive original jurisdiction and venue of the Seoul Central District Court for all disputes arising out of or relating to these Terms or the Services.
• g. Taiwan. If you live in (or, if a business, your principal place of business is in) Taiwan, and you are using free portions of the Services (such as Bing and MSN), you are contracting with Microsoft Corporation, One Microsoft Way, Redmond, WA 98052, U.S.A. If you paid to use a portion of the Services, you are contracting with Microsoft Taiwan Corp., 18F, No. 68, Sec. 5, Zhongxiao E. Rd., Xinyi District, Taipei 11065, Taiwan. For free and paid Services, the laws of Taiwan govern these Terms and any matters arising out of or relating to them or the Services. For more details regarding Microsoft Taiwan Corp., please view the website provided by the Ministry of Economic Affairs R.O.C. You and we irrevocably designate the Taipei District Court as the court of first instance having jurisdiction over any disputes arising out of or relating to these Terms or the Services, to the maximum extent permitted by Taiwan laws.

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Your local consumer laws may require some local laws to govern or give you the right to resolve disputes in another forum despite these Terms. If so, the choice of law and forum provisions in section 10 apply as much as your local consumer laws allow.