Talk Tech with Rob Scott featuring Nadeem Azhar

“We were sued for something we didn’t even manage.” 

In our latest Talk Tech with Rob Scott, PC Solutions Net Founder Nadeem Azhar shares how one lawsuit revealed the gaps in MSP insurance, contracts, and AI readiness. 

See how continuously updated agreements turned his biggest challenge into a competitive edge.

Transcript

SPEAKER_00 0:03

Welcome to Top Tech with Rob Scott.

SPEAKER_02 0:07

Nadem, welcome to the show. Hey, thanks for having me, Rob. It's my pleasure. Nadem, tell the audience a little bit more about you and your company.

SPEAKER_01 0:18

So uh I'm the owner operator of a of an MSP, um, PC Solutions Net. Uh we are based out of Houston, Texas, and we've been in business since 97, so we've been around.

SPEAKER_02 0:31

Been around a long time, huh? Yeah. And what kind of customers do you service there in the Houston Metroplex area?

SPEAKER_01 0:39

So our our vertical is uh legal manufacturing and professional services. Um, but I like to say that our our vertical is 20 to about 50 user companies uh because we work in so many different uh specific industries, and uh I hate to you know say only those three industries, it just happened to be that way. We didn't we didn't uh pursue that, but it just happened to be that way.

SPEAKER_02 1:08

You just go where the customers are, right? That's right, yeah. That's originally how I got into IT when I first started practicing law. I just happened to have some friends that were one guy owned a hosting company, another guy was starting an online uh real estate business, and it just you know started out that way. Um, so uh I I definitely understand. Is there a particular vertical that you like to work in more than others?

SPEAKER_01 1:39

Yeah, you so we prefer professional services uh companies. Uh we we bring a lot of value to those guys, and we have partnerships with a lot of um third-party automation companies uh that you know uh work in that specific industry. So we have a lot of experience in in that specific industry. Also, the the the next one close uh to that is the legal industry.

SPEAKER_02 2:08

And what are some of the hot topics in in in the legal industry? What are things that your legal clients are maybe um expressing to you that may be new or different than maybe some of uh customers and other verticals?

SPEAKER_01 2:23

Yeah, so not specific to legal, but one of the things that we're seeing a lot more uptake in the on in the legal industry is uh companies are looking or practices are looking for compliance solutions. And and when we dig in a little bit, they it's not them that they just want to be compliant, it's their customers are asking them to be compliant. And it's interest it's interesting because in the legal industry, they are trying to find a way to not have to do it, as opposed to just, you know, just do it, it'll be cheaper and you'll be done.

SPEAKER_02 3:04

Yeah, and and I also, you know, from my perspective, as the managing partner of a law firm, and you know, my tiny little law firm has represented some of the largest companies in the world. And so we've been getting, you know, cybersecurity questionnaires and and surveys from our clients for at least a decade. And my attitude was always if you answer too many times no, they're gonna stop sending you work. And you know, so you should use this as a blueprint for what your clients are demanding and what they require from a cybersecurity hygiene perspective, because they have obligations to meet from a compliance perspective, and they're gonna see you as either part of the solution or part of the problem. And so our attitude on that was always to use the questions that we were getting from our largest clients as a roadmap for things that we needed to then visit with our IT team and risk management team on a quarterly basis. So I can't remember how many times I took, you know, cybersecurity questionnaires from large bank clients that we had to those meetings to say, hey, what about this? You know, I don't want to answer no to this question. What do we need to do to implement this? And so those questionnaires became a strategy roadmap for our firm to um really make sure that we were in a position to answer yes to a lot of those questions. And the other thing I think matters with law firms is that um it depends on the nature of your practice and the type of data that you have access to in terms of how integrated you are with the client as relates to their uh compliance and cybersecurity risk. If you don't have any sensitive data in your files, uh then you have nothing to worry about. However, for most law firms with client relationships, they do have very sensitive data in their files, and therefore the client the client's compliance obligations flow down to the law firm in the same way that they flow down to you as a service provider or any other vendor that a uh client that's in a regulated industry might have to deal with. So um we now it know that we're in a risky world. Uh there's uh uh part of the services that you offer to your clients are no doubt to assist them with cybersecurity risks. And I'm sure you've seen instances where uh uh those risks are increasing. I think there's been a a perception among small businesses that you know most cyber criminals are after the big companies and not the 15 to 50 you know customers that you focus on. But that's not necessarily true anymore, is it?

SPEAKER_01 6:08

Absolutely not true. And you know, one of the things um I will say is that for the bad guys, they're not really targeting, they're not doing the research, oh, this company is is big, so I'm gonna you know try to push for this, or this is the amount I'm gonna look for. They throw a wide net, right? And and they're catching all these minnows in this net, and and they're going to peck all at all these minnows. And a lot of times, these systems are automated systems, so these are actually bots that are going out detecting weak spots, attacking these weak spots, and then whatever their form of attack is, whether it's ransomware or you know, whatever it is, they're launching this attack. And even the encryption keys and all that, when you make the payment, a lot of that process is automated. These bad guys are run by they're they're run as very efficient businesses. If if only they would focus on running a legitimate business, they would be so successful.

SPEAKER_02 7:14

Yeah, and unfortunately, that's true so many, uh, so often with you know large um organized crime um that that you got a lot of geniuses um uh that are behind these uh schemes and attacks, and therefore nobody is immune. In fact, um you've experienced some some issues with your own customer base in that regard, have you not?

SPEAKER_01 7:40

Yeah, so we have, and uh um, you know, the uh a recent case comes to mind. Uh it it I mean, we weren't we engaged on a project with a client, and I won't name the industry they're in, but uh we we completed the project and uh they got hit by ransomware. And of course, um you know they they had an MSP, the the normal MSP of record. Um they didn't go after the MSP, they're they're coming after us. And um, you know, the the the interesting part is since '97, this is the first time that somebody's coming after us like this. It's never happened before. So not only are small businesses seeing the impact of it, we as MSPs are seeing the impact of it because it's just flowing down to us. And, you know, so somebody gets hit, you know, they they want to be reimbursed somehow. They want, you know, some kind of um uh conclusion to that. And so they're coming after companies like us where we may have engaged in a project, uh, or even even MSPs. I know there's been a lot of cases, there's been an uptick in cases against MSPs, and and you know, you you probably know more than I do um that there is a spike in those type of uh that type of litigation.

SPEAKER_02 9:09

Yeah, well, you know, the case that that you're describing is is a case that's very troubling to me, where an MSP could uh separate from its services as a managed service provider because of its expertise in certain projects would be brought into an account where the incumbent MSP is still there, uh, but you're doing a project with their knowledge, they're fully aware of it, and um months later, after there's an incident, that end user client that you didn't have a managed services relationship with is coming after you claiming you did something wrong.

SPEAKER_01 9:53

Yeah, I I I did not even imagine in my wildest dreams that uh something like this would happen. And and I and I kicked myself, not because of this litigation, but I kicked myself because I was two months too late on my insurance. Two months. So so now we have to take the brunt of it out of pocket.

SPEAKER_02 10:20

Yeah, so someone could come along and bring what sounds like a ridiculous case uh that I think most listeners would say they had no idea that anyone could get sued for something in this fact pattern, and because you were two months late in getting your cybersecurity insurance, now you're having to defend this case uh all the way through to conclusion with no insurance company to defend you and to have to come out of pocket just to prove that you did nothing wrong.

SPEAKER_01 10:54

Absolutely. And you know, we we've been in business for a while, and I just think about it, what if something like this had happened five years ago or or eight years ago, ten years ago, we would be out of business, we won't be able to protect ourselves. And and if if one thing I can tell MSPs out there, you know, uh of course the first thing is you need to have some sort of legal defense lined up, ready to go. And and and Rob, I don't know if you remember, but we were we were kind of talking about all of this. You were not representing us in any way, and and then this happened like it was like the timing that I I started talking to you was just like I couldn't have you know designed it better.

SPEAKER_02 11:44

Um you know, it's always the worst nightmare for a lawyer when a client has a bad outcome that if you just started earlier, you could have avoided. You know, that's always the hardest thing. The best analogy is the estate planning lawyer whose client is 99 years old and is not feeling well and has been diagnosed with terminal cancer, but she wants you to rework her estate plan. You know, you you do not want to wait, you know, very long to rework that estate plan because you know something bad could happen in the interim. But I but I think that your message to MSPs is an important one. Number one is you can do nothing wrong and people can still sue you. Number two, if you don't have your cyber insurance, your EO insurance in place, it can be very expensive to defend those cases, even though you did nothing well. And there's a good chance you're gonna win the case. There's a chance you won't, because let's be honest, you know, arbitrators and judges don't understand IT issues in the same way that owners of managed service providers do. So there's uh a heightened risk that you know something really catastrophic could could happen. But even in the best case scenario, you're out all the time, all the money, just to prove that you did nothing wrong. And so it also raises the question in my mind about the importance, obviously, given what I do, of customer contracts. So have you learned any lessons through this process uh aside from the insurance uh that can help other people as they try to avoid this situation?

SPEAKER_01 13:32

Yeah, absolutely. So, you know, I was I was fortunate enough to where we had well, we had an existing agreement in place. We had a contract in place. Um it may be not the best, but but it was something, and something is better than nothing. Um so so I was fortunate that I had that. Now uh you know one of the other things that that kind of uh uh we learned from this experience is that we need to have specific contracts for specific technologies as these technologies emerge. So for example, we we had nothing regarding AI, and and more and more we are engaging with customers regarding AI workloads, and what happens if something goes south in one of those? Or let's say everything works out well, but then something happens down the line a few months later, and then the client comes back at us just like they did in this case, right? So, so you know, any MSP is out there, you need to have contracts that are continually up to date and not something that you just put in place and then think that for the next 20 years you're set. That's I think that's that's that's an old world. The the new world is think of your agreements and contracts like smart contracts when it comes to cryptocurrency. Think of them like that. They're continuous, they're automated, and and you know, it's not a lot of work. Actually, like uh so we did switch to um uh continual, uh continually updated contracts now, and you would think that it's a lot of work for us, but actually it's no work for us because you know we don't do any of that. It's the it's the legal team that does all that, right? So so I would highly suggest to any MSP out there, make sure, even if you have your contracts and if we if they were drawn out, you know, five, ten years ago, review them. Make sure that they're up to date. And the more important part is get somebody who understands this industry. Not not every lawyer or or attorney out there understands the legalities of when it comes to IT. So you want to have, you know, it's all it's almost like um like any lawyer, like whatever it doesn't matter what kind of case you have, you want to get the best lawyer you can get. And in our industry, we need to find the best lawyer who understands technology. So go go with somebody who has a track record, go with somebody who has these continually updated contracts. And and you know, there's there's probably a few out there. And Rob, I've I've engaged with you guys um uh not too long ago, and I you you know your process was easy. It was like, you know, set it, and then I don't have to worry about it. I don't have to review it every you know other day. You guys are reviewing it and you guys are updating it. So my contracts are always up to date. And and not only that, but you also kind of consulted with us on how to execute these contracts because in the past we were not exactly doing it the right way. So so that that's also very helpful, is not just to have good contracts, but how to execute them properly.

SPEAKER_02 17:04

So that I think that's the biggest change, I think, is I think about over my career. You know, I've been doing contracts for managed service providers for over 20 years. For the longest time, I was emailing them uh a Word document, and once they received it, I considered my engagement concluded. And today, you know, we really take it all the way through to integrating with our clients quoting documents, making sure that you know we're integrated into their sales processes, and so we really take it much further so that you can actually just go and sell off of your ordering documents and let all the legal terms and conditions be managed online. And so the combination of um the need from a cybersecurity perspective, uh emerging privacy laws, and the threat matrix uh created a market where customer contracts needed to be updated much more frequently than they needed to be when I first started. When I first started Monger in 2022, I called one of my clients and he said, Rob, I can't consider Monger because the MSA that you developed for me in 2016 has become so important to our business that we could never think about changing it.

unknown 18:33

Yeah.

SPEAKER_02 18:33

And I thought to myself, I'm glad that that MSA that he bought in 2016, which he probably paid a pretty penny for, um, has held up for him that long. But the reality is those old agreements are not doing you any good justice. You know, the we change our agreements now so frequently that on one of our tiers, our essentials tier, it updates every month. So you know, the if you think you you know I I know for sure when I'm reviewing a very old document, when I look at the price escalation clauses and it says anything 5% or less, those agreements haven't been reviewed and updated since the pandemic.

SPEAKER_01 19:18

Right. So so that's just one thing, Rob, but let me tell you this: you'll get a kick out of this. I use our agreements as a sales tool. And and the way that happens is it happened by I stumbled on this by accident. We were engaged with the company, and I had actually referred this prospect to another MSP. They were kind of small for us, so you know, they weren't in our price point. So I told them, you know, hey, these guys are good guys, you know, work with these guys. After a few days, I got a call from the owner, and he says, No, Nadim, I want to work with you guys because you guys are doing the things that we need, and let's work out something. So, anyway, we we worked out something, and and then finally I sent him the agreement before we were engaged with anything. I want him to sign the agreement, right? So I sent him the agreement. He got the agreement, and then the next day, after reviewing it, the next day he called me and he said, Nadine, this agreement, I've never had anything like this from an MSP before. And this tells me that you're a very mature company and I'm making the right decision here. So the bottom line is I got the price that what our minimum is. Uh, he was happy and ecstatic that he got a mature MSP. He knows he's safe and his processor is gonna run well. And at the same time, we were able to push out this other MSP that I'd have, and he's my friend, I had referred this customer to them, but we were able to come back in and I talked to my my MSP friend after a while, and I was like, you know, look, I I yeah, I handed you a customer. What happened? How come you didn't close this customer? And what I found out after digging a little bit is he was just not mature enough. He did not have any agreement. You know, he just went there like in the old days, you would go somewhere and eyeball things and make some suggestions, and that that just doesn't work. So you wanna have you wanna set yourself apart. And every little thing sets you apart. It it it sets a precedence with the customer. And I think these these legal agreements that we have now, along with the digital signatures, those are crucial. The other thing I I'll I'll tell you this with these agreements is and I don't know how other MSPs are doing it in in in you know in different industries or or different areas, but for us we charge an activation fee, right? So it's it's uh you know certain percent of whatever the MRR is. And there's been Other MSPs who've kind of come to us and said, Nadem, how can you do this? This is nobody's gonna pay in my market. And I hear this, and it's like it's one of those things like every MSP thinks they're special. Every MSP thinks their area, their geographic region, their state is special. I used to think the same way. Once I got these agreements in place, now when I send them, and it doesn't matter what that activation fee is, it's almost like the activation fee from a cell phone company. Nobody cares. They just say, where do I sign? and they sign it and send it back. It's done. So these agreements and these processes will set you apart from the rest of the MSPs, and the customer will see you as a much more mature MSP, which at the end of the day, I think it's a win-win-win situation.

SPEAKER_02 22:52

So a lot of people who are considering the Modure platform are afraid to send our agreements. Maybe they feel they're too long or they're too one-sided, or they just fear that their customers will react in a negative way. But it sounds like what you're saying is actually not that that's not true, but the opposite has been true for you, that this has uh shown a more positive light on you, that instead of turning customers away or turning them off, it's really been a way for you to demonstrate your level of sophistication. The the thought that you put into your agreements is reflective of a mature MSP, and that's uh showing up in terms of feedback from your customers. Is that right?

SPEAKER_01 23:34

Absolutely. And and all these things at the end of the day add up, you know, like how we do things, uh, our SOC 2 audits, our agreements, all these have to be uh they have to be up here, they cannot be down here. You know, that's what differentiates us. And uh I use the agreements as that um uh the the sinker, really. Yeah, you know, so so in conversations, all these other things come up, right? So we're building it up, we're building it up, and then when we give them the agreement, they're just like, you know, oh wow, you know, we can't do without these guys. These are the guys who are gonna save us, right? Um and uh and and I'm and I'm glad that the Manja platform, not only do they do these agreements that that that are very well-written agreements, and that they update them continually, but I think the more important piece is that they helped us automate the process to get our estimates in with the agreements and then get the whole thing digitally signed. Right? I mean, we are we are IT folks, right? We know how to do get digital signatures on on you know documents, and we can do it all day long. But the process that you brought to us was simple, it was easy, it didn't cost a fortune. And at the end of the day, if it helps me sell, hey, that's the best.

SPEAKER_02 25:00

That's awesome. That's great feedback. And and and so far it's been positive for you and selling, correct? Absolutely. Yeah. I want to shift gears a little bit to the AI, and and uh many people who listen to this show know that I think that we're emerging from the cybersecurity era of managed services into the AI era of managed services. And so we launched our, as you know, our service attachment for managed AI in in spring of this year, and many of our MSPs have been using that successfully with rollouts of products like Copilot and others. Um, talk to me about how that conversation is going with small businesses when you talk about issues involving AI.

SPEAKER_01 25:47

So I have another story around that. Sorry, I have a lot of stories. Um so the the the I was sitting across from uh it was it's a it's a risk management company. So they deal with money all the time. And the owner was sitting across from me on the table, and and we were having a conversation around how we can help their development teams come up into the current century because they were not using AI tools for their risk analysis and they wanted to, right? So halfway during the conversation, the owner asked me a very important question that that nobody else had asked me yet. And that was so Nadine, let's say my development team uses some AI tool to create code, and then down the line, if there is litigation, whose intellectual property is that code? Is it ours? Is it the AI providers? Is it somebody else's? Who wrote that code? And at that time, I didn't have a good answer for him because I wasn't working with you guys. So, so the and and and of course, you know, this this landscape was, you know, it's it's it's changing. It's you know, it's still not there's not a lot of cases around in this area. So they would see it's still kind of emerging. Um uh but we were able to tell them that, hey, if you go with these AI technologies that we are recommending, then this company is going to back it up with a monetary value behind it. So they're going to guarantee that if there is any litigation around this, they're going to uh you know cover it for whatever amount of dollars. And at that time, we didn't have our AI agreement. And that's really what kind of opened my eyes because think about it this way. Let's say this customer gets sued by their customer, and who are they going to come after? They're going to come after us, right? So so we need to have these things in place if we are working with and and we we do a lot of work on the development side of AI, so you know, code, coding, development, those kind of things. I know a lot of a lot of MSPs who think that they can deploy Microsoft Copilot and just walk away, and there is there that there's no there's no nothing to fear as far as AI goes. That's I mean, that's a huge attack surface for the client to attack you on. Something happens, and even if it's not related to co-pilot, of course they're gonna make it sound like it is.

SPEAKER_02 28:28

Yeah, so think about this, and and I I want to be clear to everyone who's listening that if your tools that you use to service your customers, add AI features to your customers, my recommendation is that you make sure those vendors are listed in a schedule of services like the one that's available on the Monger platform, and that covers that risk from those vendors. If you're deploying tools for clients and managing tools for clients, including Microsoft Copilot, then you need a service attachment for managed AI because we don't cover the risks associated with AI in our managed services contract. We don't even define the terms related to AI in the traditional managed services contract. You talked about IP. There's numerous IP issues that arise in the context of AI that aren't in managed services. And there's a number of risks associated with AI that are not adequately covered, including regulatory risks. You can make a use of an AI product that the legislature in your state next year says is illegal now. And the MSP could have helped you implement it and spent tons of money on it, and now it's illegal. Who, you know, you paid for the licenses, you can't get your money back. I helped you implement it as the MSP, but I'm not at fault for that regulatory response that was negative. So it's very important as MSPs begin to deploy what will become an emerging patchwork of solutions led by Copilot, but there'll be others, and there already are, including a significant growth in AI voice assistance, which I think uh as we come into next year, you'll see companies like Monger and others using those kinds of AI voice assistance. And I just think next year is going to be a really big year for AI. What are you thinking about as you look forward to next year?

SPEAKER_01 30:41

So I'm I'm really bullish on on AI, and I think the next big thing is going to be a mesh of technologies from the crypto world and AI. So, you know, we have smart contracts you know on the blockchain and and then combine that with AI, I think there's a lot of potential there, and and going into 25, I think that's where we are going to see a lot of development and a lot of work happening. Um and along with that, I think that's going to transform a lot of the financial systems. Um and and and and I can I can already see the changes. Um I mean it's it's it's happening right now. So so so you know, and and for us, the big thing is that right now we're just at the tip of the iceberg as far as AI goes. I I mean, yeah, some of the larger companies are implementing AI solutions, but in the SMB space, there's not a lot of companies implementing AI solutions, right? They're just waiting for the big guys to do it, and then they'll jump in. Um we we have a few customers that are implementing it, but you know, these are these are mid-market customers. So they're they're not our normal MSP customers. They're last 15 to 50. Right. So so as more and more customers like this start to implement these technologies, I think there's going to be a lot of things that need to be settled, right? There, you know, the case law needs to catch up. There's there's going to be, I'm thinking there's going to be an uptick in litigation and and all this other stuff because unwilling is all I can say about you. It's going to happen because, you know, that's that's how these laws are going to be formed on the books, is you know, something happens and then you know somebody sues somebody, and then finally it it comes up and you know it it becomes it becomes a law. But the so it becomes precedence, and and then and that's what's really what's gonna drive. So I think going forward, there's there's gonna be a huge change in the world. And I've been saying this for years, you know, every year I say, well, this year is you know, the change this year has been like many times the the change of last year, and and and I'm gonna quit saying that. It's like every year the change is like so many times the the the previous year. Uh but what's different uh going forward from this point on is going to be, you know, AI is that big game changer. And then the synergy of AI combined with the blockchain, that I think is gonna really propel us.

SPEAKER_02 33:47

That's gonna be the rocket fuel that they're give give me an example of a of a use case that would take, say, large language capabilities and merge them with blockchain to deliver a business solution. It can you break it down for us into a potential use case that you think might uh come about as a result of those two synergies?

SPEAKER_01 34:10

So, for example, this this risk management company, um I'm just familiar with with their process, so I'll just take that. Uh so let's say uh a simple example would be let's say they develop a trading platform, and that trading platform now you know you can buy whether it's you know stocks or options, whatever it is, and then on the back end, the the the contract to execute it is actually based on a blockchain. So it's automatic. You don't have to go through, you know, you don't have to go through banks. You don't have to like let's say you wanna here's another example. Let's say you wanna uh you you wanna buy some cryptocurrency. What do you do? Like right now, what do you do? You you you have to find a bank, you have to try to wire the money out. It's not easy, especially in Texas. It's not easy. You know, I've tried. I you know, so so you gotta you gotta wire the money probably somewhere offshore. They're gonna they're gonna convert it to crypto, they're gonna, you know, all this hassle. And what if all that goes away and all that is done via smart contracts, humans are not really involved, and and and that's where the power of blockchain really comes into play is in those smart contracts, because they cannot be they cannot be manipulated, so we can trace them back to to their origins, and they are instantaneous, right? So, so if if you want to uh uh send money to somebody, you know, you just go to your computer and just send it. Now I'm not talking about you know $100 or $200 that you can sell it. Think of it like Zell for a million dollars. To replace the wire transfer apparatus that banks use. Exactly. Exactly. And and you know the But why do you need AI for that? Well, so so you're gonna need AI, you know, for for several for several different things, you know, like for this risk net, it's gonna be, you know, first the AI analyzes the risk. So you want to buy something, you know, you want to buy, let's say, some crypto, but you need to analyze that. So the the whole solution would be it does the analytics, it gives you what crypto to get, it gives you the time for for how long, it it executes the smart contract. The whole, you know, so multiple Lego blocks come together and build that castle for us, right? So now instead of instead of this uh risk assessment company having a bunch of analysts and and every little thing is done by these people, the human factor, what if a lot of that can be done via smart contracts or via AI? You know, you you're you're reducing the you know how many humans need to be involved in routine, recurring, boring tasks. So these humans can now focus on stuff that only humans do. That is, you know, think, you know, build stuff, you know, do important things, as opposed to that repetitive, you know, flipping burgers day in and day out.

SPEAKER_02 37:15

You know, I am of the opinion that human capital is expensive, uh generally unreliable, and those things that are amenable to automation should be automated. And I think that as the large language technology begins to proliferate, which it's starting to do, you're gonna see a huge amount of opportunities for automation in a variety of areas. I think conversational voice is probably the most significant example of that, where you take a large language model, now you marry it with a synthesized voice that sounds very human-like, and now you're on the way to creating the brains and the voice of the things that you saw in science fiction booths. So um it's an exciting time to be in tech. Nadim, thank you for joining the show. It's a pleasure to have you on and for you to share your story and your experiences. And hopefully, we'll have you uh on another show when we get on the other side of your case.

SPEAKER_01 38:19

Awesome. Happy to be here, and thanks for having me, Rob. All righty, excellent.

SPEAKER_00 38:24

You've been listening to Talk Tech with Rob Scott, brought to you by Monger. Monger is the first mover in providing contracts as a service solution specifically designed for IT managed service providers. Their staff-enabled legal solution is based on industry leading templates that are customized for each client and periodically updated to ensure that MSPs always have the latest protections that they are legally compliant. For more information, visit LiveGerf.com.com.