CryptoCash360

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Terms of Use

PART A – Website Terms and Conditions

User Conduct

You agree that you will not use the Website for any illegal purpose. In addition, you agree that:

  1. You will not harvest, collect or otherwise use any information made available on the website for the purpose of sending unsolicited improper communications, including without limitation, unsolicited bulk email (collectively, spam) and that you will not use any CryptoCash-360 communications facility to deliver or attempt to deliver spam

  2. You will not attempt to gain unauthorized access to the app or the servers and network associated with the Website.

  3. You will not circumvent or attempt to circumvent any security or access control technology implemented on the website, or the servers and network associated with the Website.

  4. You will not use the website in any manner designed to degrade the performance or functioning of the Website, including, without limitation, launching Denial-of-Service (DoS) attacks against the Website.

Copyright

CryptoCash-360 claims a copyright in its works presented on this Website. CryptoCash-360 authorizes you to view, copy, download, and print CryptoCash-360 materials on this website, subject to the following conditions:

    • The materials may be used solely in accordance with the terms and conditions of this Agreement and subject to the Master Services Agreement entered into between you and CryptoCash-360 (if any).

    • The documents may not be modified

The following copyright notice and permission notice must appear in each document: “© Copyright 2022 Eintech Solutions Inc. DBA CryptoCash360, and its Affiliates. All rights reserved.”

No Warranties and Limitation of Liability

Information provided on the website is provided “as is” without warranty of any kind, either express or implied, including without limitation, warranties of merchantability, fitness for a particular purpose, or non-infringement. CryptoCash-360 periodically adds changes, improves, or updates the information and documents on the website without notice.

CryptoCash-360 assumes no liability or responsibility for any errors or omissions in the content of the website. Your use of the Website is at your own risk. Under no circumstances and under no legal theory shall CryptoCash-360, its third-party providers, or any other party involved in creating, producing, or delivering the website’s contents be liable to you or any other person for any indirect, special, incidental, or consequential damages of any character arising from your access to, or use of, the Website.

Links to Third Party Sites

If you use any links on the Website to websites not maintained by CryptoCash-360, you will leave the CryptoCash-360 website. The linked sites are not under the control of CryptoCash- 360 and CryptoCash-360 is not responsible for the contents of any linked site or any link contained on a linked site. CryptoCash-360 provides these links to you only as a convenience and the inclusion of any link does not imply recommendation, approval, or endorsement by CryptoCash-360 of the site.

Service Marks – Permitted Use of CryptoCash-360 Marks

CryptoCash-360 marks identify CryptoCash-360 products and services and let the public know the source of those products and services. You may not use the CryptoCash-360 logos or “design” marks (as opposed to our service marks consisting solely of words) under any circumstances without our prior written authorization.

PART B – General Terms

1. Overview of this Agreement

This Agreement provides a general description of the Services that CryptoCash-360 or its third-party providers may provide to you (“Customers”). We provide you with a more detailed description of the Services through published software libraries and application programming interfaces that may be used to access the Services (the “API”) and additional resources we make available to you on our website or through our GitHub depository.

Before using the Services, you must register with CryptoCash-360 and create an account (a “CryptoCash-360 Account”).

Part B describes the process of registering for and using your CryptoCash-360 Account. Part C describes your use of the API and the Services.

Part D describes the Payment Processing Services, which are one type of Service provided by CryptoCash-360.

Part E describes proper handling, management, and use of data generated during your use of the Services.

Part F describes your liability to CryptoCash-360 for all losses connected with your CryptoCash-360 Account, your agreement to resolve all disputes with CryptoCash-360 by arbitration and not in a lawsuit, and other legal terms that apply to you.

2. Additional Agreements incorporated herein that you may be subject to:

Prior to using our Services, you should review the following agreements from our third-party providers which are hereby incorporated into this Agreement:

Financial Partners Deposit Agreement: If you use our services to open a deposit account, you must agree to our Terms of Service below and Financial Partners’s Deposit Agreement found at the Partnership Agreement Site.

3. Your CryptoCash-360 Account

CryptoCash-360 is solely a financial software provider that allows users to convert funds within their bank accounts to a digital currency and deposit digital currencies located in their crypto wallet into their bank accounts (each such transaction, an “Digital Currency Transaction”). We make it easy for users to transfer fiat to cryptocurrency and cryptocurrency back to fiat using of our financial services partner, Financial Partners, Inc., and other financial institutions partners (collectively “Partners”). CryptoCash-360 is an agent of the Partners solely for the purposes of providing the Services (as defined below) under these Terms of Service.

  1. Description of Services. CryptoCash-360 allows users to engage in transactions directly with their CryptoCash-360 Account for the purchase or sale of certain digital currencies (each currency usable on the Site, a “Digital Currency”) in exchange for fiat currency or another Digital Currency (each such transaction, an “Digital Currency Transaction”).
CryptoCash-360’s current pricing information for the Digital Currencies may be viewed through the app. Please note that Digital Currency prices are volatile and fluctuate throughout the day, and any pricing information obtained through the app is for informational purposes only. In order to conduct a Digital Currency Transaction, access your CryptoCash-360 Account and input the desired transaction details (e.g., purchase or sale, the currency you wish to purchase/sell, and amount). CryptoCash-360 will then provide its current pricing information for your chosen currency[ies]. If you accept the pricing displayed, you can then accept and confirm the Digital Currency Transaction. If you do not accept the pricing displayed, you can choose not to proceed and cancel. Once you accept the price and confirm, CryptoCash-360 settles the Digital Currency Transaction by executing a corresponding debit to your chosen payment method (credit, debit or prepaid card, bank account or third-party provided digital currency wallet, as applicable) and crediting your designated third-party digital currency wallet with the purchased digital currency or your bank account with fiat currency, as applicable.
  1. Payment Method. In order to purchase Digital Currency from CryptoCash-360, you must provide a valid and accepted payment method, which will be linked to your CryptoCash-360 Account (your “Linked Payment Method”). Upon CryptoCash-360’s verification of your payment method(s), you will be able to engage Digital Currency Transactions.
  2. Eligibility. To be eligible to use the CryptoCash-360 Services, you must be at least 18 years old (or the applicable age of majority and contractual capacity in the jurisdiction in which you reside), reside in the United States, and have and use a valid CryptoCash-360 Account (see Section [3.d] below for information regarding Account creation and validation)
  1. Registration and Verification. During registration for your CryptoCash-360 Account, you agree to provide us with the information we request for the purposes of identity verification and the detection of money laundering, terrorist financing, fraud or any other financial crime and permit us to keep a record of such information. You will need to complete certain verification procedures before you are permitted to use the CryptoCash-360 Services. CryptoCash-360 may alter, limit or cease your access to the Services as a result of information collected about you on an ongoing basis. The information we request may include certain personal information, including but not limited to your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, government identification, and information regarding your bank account (such as the name of the bank, the account type, routing number and account number) and in some cases (where permitted by law), special categories of personal data, such as your biometric information. In providing us with this or any other information that may be required, you confirm that the information is accurate and authentic. You further agree to keep us updated if any of the information you provided changes.
You authorize us to make inquiries, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud or other financial crime and to take action we reasonably deem necessary based on the results of such inquiries. When we carry out these inquiries, you acknowledge and agree that your personal information may be disclosed to credit reference and fraud prevention or financial crime agencies and that these agencies may respond to our inquiries in full. This is an identity check only and should not have any adverse effect on your credit rating. [Further, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, solely to allow verification of your identity and to compare information you have provided to CryptoCash-360 with your wireless operator account profile information for the duration of the business relationship.] See our Privacy Policy for how we treat your data.
  1. Access. To access the CryptoCash-360 Services, you must have the necessary equipment (such as Android smartphone or an iPhone) and the associated telecommunication service subscriptions to access the Internet. The CryptoCash-360 Services can be accessed directly using the CryptoCash-360 app in the Play store or Appstore. Access to CryptoCash-360 Services may become degraded or unavailable during times of significant volatility or volume. This could result in the inability to buy or sell for periods of time and may also lead to support-response-time delays. Although we strive to provide you with excellent service, we do not represent that the CryptoCash-360 Services will be available without interruption and we do not guarantee that any order will be executed, accepted, recorded or remain open. CryptoCash-360 shall not be liable for any losses resulting from or arising out of transaction delays.

4. Digital Currency Purchase and Sales

When you send or receive Digital Currency using your CryptoCash-360 Account, you are purchasing or selling Digital Currency directly to or from CryptoCash-360. You can purchase Digital Currency using your Linked Payment Method. Your purchase must follow the relevant instructions in our app. You can sell certain Digital Currencies directly to CryptoCash-360 and instruct CryptoCash-360 to deposit the proceeds from the sale into your linked bank account or debit card by following relevant instructions in our app.

    1. Transaction Timing. Subject to the transaction being honored by the Customer’s bank, card provider or other relevant party, Digital Currency Purchases shall be credited to Digital Currency wallet, as provided by you at the time of the order, as soon as possible once the Digital Currency Purchase has been confirmed by the Digital Currency network. Once submitted to a Digital Currency network, a Digital Currency Purchase will be unconfirmed for a period of time pending sufficient confirmation of the transaction by the Digital Currency network. Digital Currency transactions that are in a pending state will not be credited to the wallet. Total time for this process should be a less than 30 minutes but can take several hours.

    1. Service Partners. CryptoCash-360 may use a third-party payment processor to process any fiat payment between you and CryptoCash-360 and supply Digital Currency as needed to fulfil purchase and sell orders

    1. Cancellations and refunds. Once an order / purchase to buy Digital Currency has been made it cannot be cancelled or recalled. All orders / purchases are final and cannot be refunded once the Digital Currency has been sent to the Digital Currency wallet indicated at the time of purchase. Once an order / purchase has been sent to the Digital Currency wallet indicated at the time of purchase it cannot be recalled or retrieved under any circumstances. You hereby agree that upon delivery, you will not be entitled to any credit or refund and all purchases are final. CryptoCash-360 Limited’s obligation towards you will be absolutely discharged upon delivery of the product to you and shall have no claim or right against CryptoCash-360 upon such delivery.

    1. Transaction Reversals. If your payment is not successful, if your payment method has insufficient funds or if you reverse a payment made from funds in your bank account, you authorize CryptoCash-360, in its sole discretion, to either cancel the transaction or to debit your other Linked Payment Methods in any amount necessary to complete the Digital Currency Transaction on its original terms. You are responsible for maintaining an adequate balance and/or sufficient credit limits in order to avoid overdraft, non-sufficient funds (NSF) or similar fees charged by your financial services provider. We reserve the right to refuse to process or to cancel or reverse any Digital Currency Transaction in our sole discretion, even after funds have been debited from your Linked Payment Method(s),if we suspect the transaction is fraudulent. In such instances, CryptoCash-360 will reverse the transaction and we are under no obligation to allow you to reinstate a purchase or sale order at the same price or under the same terms as the cancelled transaction.

5. Your Relationship with other CryptoCash-360 Users

You will be able to send Digital and Fiat Currency to your (“Peers”) (i.e., other CryptoCash-360 Customers). You know your Peers better than we do, and you are responsible for your relationship with them. CryptoCash-360 is not responsible your communication to your peers or the intended use of funds transferred. You are solely responsible for any losses you incurred due to erroneous or fraudulent Transactions in connection with your use of the Services.

CryptoCash-360 provides Services to you but we have no way of knowing if any particular payment, transaction, (each a “Transaction”) is accurate, true, or complete between your Peers. You are responsible for knowing whether a Transaction initiated by your Peer is erroneous or suspicious. If you are unsure if a Transaction is erroneous or suspicious, you agree to research the Transaction and, if necessary, contact your Peer and/or CryptoCash-360 fraud department before proceeding with the Transaction.

6. Fees and Fines

A full list of CryptoCash-360 fees shall be displayed for each Digital Transaction during the purchase or sell flow in the CryptoCash360 app. By using CryptoCash-360 Services you agree to pay all applicable fees. CryptoCash-360 reserves the right to adjust its pricing and fees and any applicable waivers at any time. We will always notify you of the pricing and fees which apply to your Digital Currency Transaction when you authorize the transaction and in each receipt, we issue to you.

We may charge network fees (miner fees) to process a Digital Currency Transaction. We will calculate the network fee in our discretion, although we will always notify you of the network fee at or before the time you authorize the Digital Currency Transaction. Bank fees charged to CryptoCash-360 are netted out of transfers to or from CryptoCash-360. You are responsible for paying any additional fees charged by your financial services provider. If your bank fees exceed the value of the Digital Currency Transaction, we will reject the order and notify you of the reason, therefore.

7. Services and CryptoCash-360 Account Support

We will provide you with support to resolve general issues relating to your CryptoCash-360 Account and your use of the Services. This support includes resources and documentation that we make available to you through the current versions of CryptoCash-360’s documentation and other pages on our website (collectively, “Documentation”). The most efficient way to get answers to your questions is to review our Documentation. If you still have questions after reviewing the Documentation, please contact us at [email protected].

8.Taxes and Other Expenses

Our fees are exclusive of any applicable Taxes, except as expressly stated to the contrary. You have sole responsibility and liability for (i) determining what, if any, Taxes apply to the sale of your products and services, acceptance of donations, or payments you receive in connection with your use of the Services; and (ii) assessing, collecting, reporting, and remitting Taxes for your business to the appropriate tax and revenue authorities. If we are required to withhold any Taxes, or we are unable to validate any tax-related identification information you provide to us, we may deduct such Taxes from amounts otherwise owed and pay them to the appropriate taxing authority. If you are exempt from payment of such Taxes, you must provide us with an original certificate that satisfies applicable legal requirements attesting to your tax-exempt status. Upon our reasonable request, you must provide us with information regarding your tax affairs.We may send documents to you and tax authorities for Transactions processed using the Services.

9. Service Requirements, Limitations, and Restrictions

    1. Compliance with Applicable Laws: You must use the Services in a lawful manner, and must obey all laws, rules, and regulations (“Laws”) applicable to your use of the Services and to Transactions. As applicable, this may include compliance with domestic and international Laws related to the use or provision of financial services, notification and consumer protection, unfair competition, privacy, false advertising, and any other Laws relevant to Transactions.

    1. Restricted Businesses and Activities: You may not use the Services to enable any person (including you) to benefit from any activities that CryptoCash-360 has identified as a restricted business, including but not limited to: (i) credit repair, (ii) debt consolidation, (iii) payday loans, (iv) title loans, (v) telemarketing, (vi) tobacco sales, (vii) travel clubs, (viii) sweepstakes, (ix) marijuana or controlled substance supply, (x) tribal and entities that are not governed by the U.S. or states, (xi) mail order or telephone order companies, (xii) business located outside of the U.S, (xiii) adult entertainment, (xiv) stored value cards, (xv) illegal or fraudulent goods or services, including, but not limited to, illegal substances, counterfeit goods, stolen goods, illegal or controlled substances, and substances that pose a risk to consumer safety (including synthetics, “potpourri not for human consumption”, and other similar items), illegal online gambling / wagering, pyramid schemes, counterfeit goods, unlicensed sale of firearms or weapons, (xvi) any type of money laundering, or (xvii) other businesses that operate or engage in any business regulated by FinCEN, including money service businesses, e-money business, and businesses selling money orders or traveler’s checks, and virtual or crypto-currency marketplaces and exchanges (collectively, “Restricted Businesses”). Restricted Businesses include the use of the Services in or for the benefit of a country,organization, entity, or person embargoed or blocked by any government, including those on sanctions lists identified by the United States Office of Foreign Asset Control (OFAC). Please review the list of thoroughly before registering for and opening a CryptoCash-360 Account. If you are uncertain whether a category of business or activity is restricted or have questions about how these restrictions apply to you, please contact us at [email protected]. We may add to or update the Restricted Business list at any time.

    1. Other Restricted Activities: You may not use the Services to facilitate illegal Transactions or to permit others to use the Services for personal, family or household purposes. In addition, you may not allow, and may not allow others to: (i) access or attempt to access non-public CryptoCash-360 systems, programs, data, or services; (ii) copy, reproduce, republish, upload, post, transmit, resell, or distribute in any way, any data, content, or any part of the Services, Documentation, or our website except as expressly permitted by applicable Laws; (iii) act as service bureau or pass-through agent for the Services with no added value to Customers; (iv) transfer any rights granted to you under this Agreement; (v) work around any of the technical limitations of the Services or enable functionality that is disabled or prohibited; (vi) reverse engineer or attempt to reverse engineer the Services except as expressly permitted by Laws; (vii) perform or attempt to perform any actions that would interfere with the normal operation of the Services or affect use of the Services by our other users; or (ix) impose an unreasonable or disproportionately large load on the Service.

10. Suspicion of Unauthorized or Illegal Use

We may refuse, condition, or suspend any Transactions that we believe: (i) may violate this Agreement or other agreements you may have with CryptoCash-360; (ii) are unauthorized, fraudulent, or illegal; or (iii) expose you, CryptoCash-360, or others to risks unacceptable to CryptoCash-360. If we suspect or know that you are using or have used the Services for unauthorized, fraudulent, or illegal purposes, we may share any information related to such activity with the appropriate financial institution, regulatory authority, or law enforcement agency consistent with our legal obligations. This information may include information about you, your CryptoCash-360 Account, and Transactions made through your use of the Services.

11. Term and Termination

    1. Term and Termination: This Agreement is effective upon the date you first access or use the Services and continues until terminated by you or CryptoCash-360. You may terminate this Agreement by closing your CryptoCash-360 Account at any time by providing written notice to [email protected]. If you use the Services again or register for another CryptoCash-360 Account, you are consenting to this Agreement. We may terminate this Agreement or close your CryptoCash-360 Account at any time for any reason (including, without limitation, for any activity that may create harm or loss to the goodwill of a Payment Method) by providing you Notice. We may suspend your CryptoCash-360 Account and your ability to access funds in your CryptoCash-360 Account, or terminate this Agreement, if (i) we determine at our sole discretion that you are ineligible for the Services because of significant fraud or credit risk, or any other risks associated with your CryptoCash- 360 Account; (ii) you use the Services in a prohibited manner or otherwise do not comply with any of the provisions of this Agreement; (iii) any Law, Payment Method Provider or third-party provider requires us to do so; or (iv) we are otherwise entitled to do so under this Agreement. Our third-party providers may terminate your ability to access their services, at any time and for any reason, in which case you will no longer be able to access their services under this Agreement.

    2. Effects of Termination: Termination does not immediately relieve you of obligations incurred by you under this Agreement. Upon termination, you agree to (i) complete all pending Transactions, (ii) stop accepting new Transactions, and (iii) immediately remove all CryptoCash-360 and any third-party service provider logos from your website (unless permitted under a separate license with the applicable third party). Your continued or renewed use of the Services after all pending Transactions have been processed serves to renew your consent to the terms of this Agreement. If you terminate this Agreement, we will pay out any remaining funds owed to you in accordance with Part D.

    1. In addition, upon termination you understand and agree that (i) all licenses granted to you by CryptoCash-360 under this Agreement will end; (ii) subject to Part E.5 we reserve the right (but have no obligation) to delete all of your information and account data stored on our servers; (iii) we will not be liable to you for compensation, reimbursement, or damages related to your use of the Services, or any termination or suspension of the Services or deletion of your information or account data; and (iv) you are still liable to us for any fees or fines, or other financial obligation incurred by you or through your use of the Services prior to termination.

PART C – CryptoCash-360 Technology

1. API and Developer Dashboard

CryptoCash-360 has developed and provides access to the API that may be used to access the Services. You may use the API solely as described in the Documentation to use the Services on websites and through the applications identified in your CryptoCash-360 Account. You may manage your CryptoCash-360 Account, connect with other service providers, and enable additional features through the CryptoCash-

360 developer dashboard (“Developer Dashboard”). You may not use the API for any purpose, function, or feature not described in the Documentation or otherwise communicated to you by us. Due to the nature of the Services, we will update the API and Documentation from time to time and may add or remove functionality. We will provide you Notice in the event of material changes, deprecations, or removal of functionality from the API so that you may continue using the Services with minimal interruption.

  1. We will make publishable and secret API keys for live and test Transactions available to you through the Dashboard. Publishable keys identify Transactions for your account, and secret keys permit any API call to your CryptoCash-360 Account. You are responsible for securing your secret keys – do not publish or share them with any unauthorized persons. Failure to secure your secret keys will increase the likelihood of fraud on your CryptoCash-360 Account. You should contact us immediately at [email protected] if you become aware of any unauthorized use of your secret key or any other breach of security regarding the Services. We provide more details on the proper use of publishable and secret API keys in the Documentation. Information on securing your CryptoCash-360 Account is available in Part E.

2. Ownership of CryptoCash-360 IP

As between you and CryptoCash-360, CryptoCash-360 and its licensors exclusively own all rights, title, and interest in the patents, copyrights (including rights in derivative works), moral rights, rights of publicity, trademarks or service marks, logos and designs, trade secrets, and other intellectual property embodied by, or contained in the API, Services, Developer Dashboard, and Documentation (collectively, “CryptoCash-360 IP”) or any copies thereof. CryptoCash-360 IP is protected by copyright, trade secret, patent, and other intellectual property laws, and all rights in CryptoCash-360 IP not expressly granted to you in this Agreement are reserved.

You may choose to or we may invite you to submit comments or ideas about improvements to the Service, our API, our platform, or any other component of our products or services (“Feedback”). If you submit an Idea to us, we will presume that your submission was voluntary, unsolicited by us, and delivered to us without any restrictions on our use of the Feedback. You also agree that CryptoCash-360 has no fiduciary or any other obligation to you in connection with any Feedback you submit to us and that we are free to use your Feedback without any attribution or compensation to you.

3. License

You are granted a nonexclusive and nontransferable license to electronically access and use the CryptoCash-360 IP only in the manner described in this Agreement. CryptoCash-360 does not sell to you, and you do not have the right to sublicense the CryptoCash-360 IP. We may make updates to the CryptoCash-360 IP or new Services available to you automatically as electronically published by CryptoCash-360, but we may require action on your part before you may use the CryptoCash-360 IP or new Services (including activation through the Developer Dashboard, or acceptance of new or additional terms). CryptoCash-360 may revoke or terminate this license at any time if you use CryptoCash-360 IP in a manner prohibited by this Agreement.

You may not: (i) claim or register ownership of CryptoCash-360 IP on your behalf or on behalf of others; (ii) sublicense any rights in CryptoCash-360 IP granted by us; (iii) import or export any CryptoCash-360 IP to a person or country in violation of any country’s export control Laws; (iv) use CryptoCash-360 IP in a manner that violates this Agreement or Laws; or (v) attempt to do any of the foregoing.

4. CryptoCash-360 Marks; References to Our Relationship

We may make certain CryptoCash-360 logos or marks (“CryptoCash-360 Marks”) available for use by you and other users to allow you to identify CryptoCash-360 as a service provider. To use CryptoCash-360 Marks, you must first agree to use the CryptoCash-360 Marks in accordance with the CryptoCash-360 Mark Guidelines. CryptoCash-360 may limit or revoke your ability to use CryptoCash-360 Marks at any time. You may never use any CryptoCash- 360 Marks or CryptoCash-360 IP consisting of trademarks or service marks without our express permission, or in a manner that may lead people to confuse the origin of your products or services with ours.

During the term of this Agreement, you may publicly identify us as the provider of the Services to you and we may publicly identify you as a CryptoCash-360 customer. If you do not want us to identify you as a customer, please let us know at legal@cryptocash-

360.com. Neither you nor we will imply any untrue sponsorship, endorsement, or affiliation between you and CryptoCash-360 or its third-party services providers. Upon termination of your CryptoCash-360 Account, both you and CryptoCash-360 will remove any public references to our relationship from our respective websites.

5. Content

You may use the Services to upload or publish text, images, and other content (collectively, “Content”) to your CryptoCash-360 Account and to third-party sites or applications but only if you agree to obtain the appropriate permissions and, if required, licenses to upload or publish any such Content using the Services. You agree to fully reimburse CryptoCash-360 for all fees, fines, losses, claims, and any other costs we may incur that arise from publishing illegal Content through the Services, or claims that Content you published infringes the intellectual property, privacy, or other proprietary rights of others.

Other Services: From time to time we may offer you additional features or services either through us or our third-party service providers that may be subject to additional or different terms of service. All such additional features and services form part of the Services, and you may not use these additional services unless you agree to the applicable agreement or terms (if any) for those services.

We may also provide you access to services identified as “beta” or pre-release services. You understand that these services are still in development, may contain bugs or errors, may be feature incomplete, may materially change prior to a full commercial launch, or may never be released commercially. We provide beta services AS IS, and without warranty of any kind, and your use of, or reliance on beta services is at your own risk.

Part D: Third-Party Services

CryptoCash-360 provides access to third-party services, products, and promotions that utilize, integrate, or provide ancillary services to the Services (“Third-Party Services”). These Third-Party Services are provided for your convenience only and do not constitute our approval, endorsement, or recommendation of any such Third-Party Services for you. You access and use any Third-Party Service based on your own evaluation and at your own risk. You understand that your use of any Third-Party Service is not governed by this Agreement. If you decide to use a Third-Party Service, you will be responsible for reviewing, understanding, and accepting the terms and conditions associated with its use. We expressly disclaim all responsibility and liability for your use of any Third-Party Service.

Please also remember that when you use a Third-Party Service, our Privacy Policy is no longer in effect. Your use of a Third-Party Service, including those that have a link on our website, is subject to that Third-Party Service’s own terms of use and privacy policies.

Your use of the Services is subject to additional terms that apply between you and one or more of CryptoCash-360, a CryptoCash-360 affiliate, and a Third-Party Service provider. By using the Services, you agree to the applicable terms, including any subsequent updates

1. Electronic Fund Transfers (EFTs) and Account Balances

CryptoCash 360 partners with financial services software companies to offer you electronic fund transfers (EFTs). By creating a CryptoCash 360 account and initiating bank deposits or withdrawals, you agree to the financial services software companies’ terms of service, acceptable use
Policy and demand deposit account agreement, (together, the “Partner Terms”). You must comply with the Partner Terms when creating or using your CryptoCash
360 Account. The Partner Terms may be modified from time to time, and the governing versions are incorporated by reference into these https://cryptocash-360.com/terms-of-use/ . Any term not defined in this section but defined in the Partner Terms assumes the meaning as defined in the Partner Terms.

IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE PARTNER TERMS BECAUSE THEY CONTAIN TERMS AND CONDITIONS CONCERNING YOUR CRYPTOCASH 360 ACCOUNT, INCLUDING BUT NOT LIMITED TO LIMITATIONS, REVERSALS, AND ARBITRATION PROVISIONS, AND YOUR RELEVANT RIGHTS AND LIABILITIES.

2. Automated Clearinghouse (ACH)

The ACH network is controlled and managed by the National Automated Clearinghouse Association (NACHA) and its member organizations. When submitting Charges over the ACH network, you are required to comply with the NACHA Operating Rules. NACHA may amend the NACHA Operating Rules at any time, and we may amend this Agreement or make changes to the Payment Processing Services as necessary to comply with the NACHA Operating Rules.

You understand and accept your role as the Originator (as defined in the NACHA Operating Rules). You consent to debit or credit your bank account and initiate a Charge over the ACH network. Such consent must be in a form and manner that complies with the NACHA Operating Rules and the Documentation for ACH Transactions. As with other Payment Processing Services, you may not, and may not attempt to send or receive funds to or from a person, entity, or state where such Transactions are prohibited by applicable Law. You also agree to maintain the security and integrity of all information you collect as part of an ACH Transaction.

Certain services offered as part of the Services are money transmission within the meaning of laws that apply to those Services. To the extent that your use of the Services is money transmission or similarly regulated services, those Services are provided to you by Financial Partners, not by CryptoCash-360, Inc.

3. Processing Transactions; Disputes

To enable us to process Transactions for you, you authorize and direct us, our affiliates, and third-party service providers to receive and settle any payment processing proceeds. You appoint CryptoCash-360 as your agent for the limited purpose of directing, receiving, holding, and settling such proceeds. You agree that CryptoCash-360’s or CryptoCash-360’s third-party service providers’ receipt of such proceeds satisfies the relevant end-customer’s obligations to make payments to you. We will promptly update your CryptoCash-360 Account balance to reflect any such proceeds that we receive on your behalf.

You are immediately responsible to report to us disputes, reversals, returns, or fines regardless of the reason or timing. We may decline to act upon an instruction, or delay execution of the instruction, if: (i) it would cause your CryptoCash-360 Account balance to become negative;(ii) you are the subject of Bankruptcy Proceedings; or (iii) where we otherwise believe that there is a risk that you will not meet your liabilities under this Agreement.

In many but not all cases, you may have the ability to challenge a Dispute by submitting evidence through the API or the Dashboard. We may request additional information to provide to our third-party service providers to assist you, but we cannot guarantee that your challenge will be successful. Please keep in mind that you are liable for all losses you incur when lost or stolen payment credentials or accounts are used. CryptoCash-360 does not and will not insure you against losses caused by fraud under any circumstances.

4. Security Interests, Collection, and Set-Off Rights

    1. Security Interests: You grant us a lien and security interest in all funds for Transactions that we process for you as well as funds held in any other bank accounts to which such Transaction funds are deposited or transferred. This means that if you have not paid funds that you owe to us, we have a right superior to the rights of any of your other creditors to seize or withhold funds owed to you for Transactions that we process through the Services, and to debit or withdraw funds from any bank account associated with your CryptoCash-360 Account. Upon our request, you will execute and deliver any documents and pay any associated fees we consider necessary to create, perfect, and maintain a security interest in such funds (such as the filing of a form UCC-1).

    2. Collection and Set-Off Rights: You agree to pay all amounts owed to us and to our affiliates on demand. Your failure to pay amounts owed to us or to our affiliates under this Agreement is a breach and you will be liable for any costs we incur during collection in addition to the amount you owe. Collection costs may include, attorneys’ fees and expenses, costs of any arbitration or court proceeding, collection agency fees, any applicable interest, and any other related cost. Where possible, we will first attempt to collect or set-off amounts owed to us and to affiliates from balances in your CryptoCash-360 Accounts from your use of the Services or from funds that we hold in reserve if any. However, we may collect any amounts you owe us under this Agreement by deducting or setting-off amounts that you owe from the CryptoCash-360 account balance (or debiting the payout account for such CryptoCash-360 account) for any CryptoCash-360 account that we determine, acting reasonably, is associated with your CryptoCash-360 Account. Similarly, we may deduct or set off amounts from your CryptoCash-360 Account balance in order to collect amounts owed to us in relation to such associated CryptoCash-360 accounts.

    3. In certain circumstances, we may require a personal, parent, or another guarantee (a “Guarantee”) from a user’s principal, owner, or other guarantors. A Guarantee consists of a legally binding promise by an individual or an entity to pay any amounts the user owes in the event that the user is unable to pay. If we require you to provide us with a Guarantee, we will specifically inform you of the amount of, and the reasons for the Guarantee. If you are unable to provide such a Guarantee when required, you will not be permitted to use the Services.

5. Reconciliation and Error Notification

The Developer Dashboard contains details of transactions and other activities on your CryptoCash-360 Account. Except as required by law, you are solely responsible for reconciling the information in the Developer Dashboard generated by your use of the Services with your records of Customer Transactions, and for identifying any errors. You agree to review your CryptoCash-360 Account and immediately notify us of any errors. We will investigate any reported errors, including any errors made by CryptoCash-360 or a third- party service provider, and, when appropriate, attempt to rectify them by crediting or debiting your CryptoCash-360 Account. However, you should be aware that your ability to recover funds you have lost due to an error may be very limited or even impossible, particularly if we did not cause the error, or if funds are no longer available. For Transactionerrors, we will work with you and our third-party providers to correct a Transaction error in accordance with the applicable terms and conditions. If you fail to communicate an error to us for our review without undue delay and, in any event, within 60 days after you discovered it and flagged it in the Developer Dashboard, you waive your right to make any claim against us or our Payment Method Providers for any amounts associated with the error.

6. Dormant Accounts

If you leave any funds dormant in a CryptoCash-360 Account and you do not give us instructions on where to send them, we may be required by Law to deem the funds to be abandoned by you and to deliver them to various government agencies. To the extent required by law, we will attempt to provide you a Notice if we hold funds payable to you in an account beyond the applicable dormancy period for abandoned property. If we are unable to contact you, we will treat the funds in your CryptoCash-360 Account to be abandoned and will deliver them to the appropriate government authority

Part E: Data Usage, Privacy, and Security

Data Usage Overview

Protecting, securing, and maintaining the information processed and handled through the Services is one of our top priorities, and it should be yours too. This section describes our respective obligations when handling and storing information connected with the Services. The following terms used in this section relate to data provided to CryptoCash-360 by you or received or accessed by you through your use of the Services:

“Payment Account Details” means the Payment Method account details for a Customer, and includes, with respect to credit and debit cards, the cardholder’s account number, card expiration date, and CVV2.

“Payment Data” means Payment Account Details, financial information specifically regulated by Laws, and any other information used with the Services to complete a Transaction.

“Personal Data” means information that identifies a specific living person (not a company, legal entity, or machine) and is transmitted to or accessible through the Services.

“CryptoCash-360 Data” means details of the API transactions over CryptoCash-360 infrastructure, information used in fraud detection and analysis, aggregated or anonymized information generated from Data, and any other information created by or originating from CryptoCash-360 or the Services.

“User Data” means information that describes your business and its operations, your products or services, and Your Transactions.

The term “Data” used without a modifier means all Personal Data, User Data, Payment Data, and CryptoCash-360 Data.

CryptoCash-360 processes, analyzes, and manages Data to (a) provide Services to you, other CryptoCash-360 users, and Customers; (b) mitigate fraud, financial loss, or other harm to Users, Customers, CryptoCash-360, and its third-party providers; and (c) analyze, develop and improve our products, systems, and tools. CryptoCash-360 provides Data to third-party service providers, and their respective affiliates, as well as to CryptoCash-360’s affiliates, to allow us to provide services to you and other users. We do not provide Personal Data to unaffiliated parties for marketing their products to you. You understand and consent to CryptoCash-360’s use of Data for the purposes and in a manner consistent with this Part E.

Data Protection and Privacy

    1. Confidentiality: CryptoCash-360 will only use User Data as permitted by this Agreement, by other agreements between you and us, or as otherwise directed or authorized by you. You will protect all Data you receive through the Services, and you may not disclose or distribute any such Data, and you will only use such Data in conjunction with the Services and as permitted by this Agreement or by other agreements between you and us. Neither party may use any Personal Data to market to Customers unless it has received the express consent from a specific Customer to do so. You may not disclose Payment Data to others except in connection with processing Transactions requested by Customers and consistent with applicable laws and rules.

    2. Privacy: Protection of Personal Data is very important to us. Our Privacy Policy explains how and for what purposes we collect, use, retain, disclose, and safeguard the Personal Data you provide to us. You agree to the terms of our Privacy Policy, which we may update from time to time. You affirm that you are now and will continue to be compliant with all applicable Laws governing the privacy, protection, and use of Data that you provide to us or access through your use of the Services. You also affirm that you have obtained all necessary rights and consents under applicable Laws to disclose to CryptoCash-360 or allow CryptoCash-360 to collect, use, retain, and disclose – any Personal Data that you provide to us or authorize us to collect, including Data that we may collect directly from Customers using cookies or other similar means. As may be required by law and in connection with this Agreement, you are solely responsible for disclosing to Customers that CryptoCash- 360 and its third-party service providers process Transactions for you and may receive Personal Data from you. Additionally, where required by law, rules, or regulations, we may delete or disconnect a Customer’s Personal Data from your CryptoCash-360 Account when requested to do so by the Customer. If we become aware of an unauthorized acquisition, disclosure, or loss of Customer Personal Data on our systems, we will notify you consistent with our obligations under applicable Law. We will also notify you and provide you with sufficient information regarding the unauthorized acquisition, disclosure, or loss to help you mitigate any negative impact on the Customer.

3. Security and Fraud Controls

CryptoCash-360’s Security: CryptoCash-360 is responsible for protecting the security of Data in our possession. We will maintain commercially reasonable administrative, technical, and physical procedures to protect User Data and Personal Data stored in our servers from unauthorized access, accidental loss, modification, or the breach, and we will comply with

applicable laws, rules, and regulations when we handle User and Personal Data. However, no security system is impenetrable and we cannot guarantee that unauthorized parties will never be able to defeat our security measures or misuse any Data in our possession. You provide User Data and Personal Data to CryptoCash-360 with the understanding that any security measures we provide may not be appropriate or adequate for your business, and you agree to implement Security Controls (as defined below) and any additional controls that meet your specific requirements. In our sole discretion, we may take any action, including suspension of your CryptoCash-360 Account, to maintain the integrity and security of the Services or Data, or to prevent harm to you, us, Customers, or others. You waive any right to make a claim against us for losses you incur that may result from such actions.

4. Your Security

You are solely responsible for the security of any Data on your application and/or website, your servers, in your possession, or that you are otherwise authorized to access or handle. You will comply with applicable laws, rules, and regulations when handling or maintaining User Data and Personal Data, and will provide evidence of your compliance to us upon our request. If you do not provide evidence of such compliance to our satisfaction, we may suspend your CryptoCash-360 Account or terminate this Agreement.

5. Security Controls

You are responsible for assessing the security requirements of your business, and selecting and implementing security procedures and controls (“Security Controls”) appropriate to mitigate your exposure to security incidents, including but not limited to the security of private keys. We may provide Security Controls as part of the Services, or suggest that you implement specific Security Controls. However, your responsibility for securing your business is not diminished by any Security Controls that we provide or suggest, and if you believe that the Security Controls we provide are insufficient, then you must separately implement additional controls that meet your requirements.

6. Fraud Risk

While we may provide or suggest Security Controls, we cannot guarantee that you or your Customers will never become victims of fraud. Any Security Controls we provide or suggest may include processes or applications developed by CryptoCash-360, its affiliates, or other companies. You agree to review all the Security Controls we suggest and choose those that are appropriate for your business to protect against unauthorized Transactions and, if appropriate for your business, independently implement other security procedures and controls not provided by us. If you disable or fail to properly use Security Controls, you will increase the likelihood of unauthorized Transactions, Disputes, fraud, losses, and other similar occurrences. Keep in mind that you are solely responsible for losses you incur from the use of lost or stolen payment credentials or accounts by fraudsters who engage in fraudulent Transactions with you, and your failure to implement Security Controls will only increase the risk of fraud. We may assist you with recovering lost funds, but you are solely responsible for losses due to lost or stolen credentials or accounts, compromise of your username or password, and any other unauthorized use or modification of your CryptoCash- 360 Account. CryptoCash-360 is not liable or responsible to you and you waive any right to bring a claim against us for any losses that result from the use of lost or stolen credentials orunauthorized use or modification of your CryptoCash-360 Account unless such losses result from CryptoCash-360’s willful or intentional actions. Further, you will fully reimburse us for any losses we incur that result from the use of lost or stolen credentials or accounts.

We may also provide you with Data regarding the possibility or likelihood that a Transaction may be fraudulent. We may incorporate any subsequent action or inaction by you into our fraud model, for the purpose of identifying future potential fraud. You understand that we provide this Data to you for your consideration, but that you are ultimately responsible for any actions you choose to take or not take in relation to such Data.

Part F: Additional Legal Terms

1. Right to Amend

We have the right to change or add to the terms of this Agreement at any time, solely with prospective effect, and to change, delete, discontinue, or impose conditions on the use of the Services by posting such changes on our website or any other website we maintain or own. We will provide you with notice of any changes through the Developer Dashboard, via email, or through other reasonable means. If you are an existing CryptoCash-360 user, the changes will come into effect 10 days after we post the changes to our website, and your use of the Services, API, or Data more than 10 days after we publish any such changes on our website constitutes your acceptance of the terms of the modified Agreement. You can access a copy of the current terms of this Agreement on our website at any time. You can find out when this Agreement was last changed by checking the “Last updated” date at the top of the Agreement.

2. Assignment

You may not assign this Agreement, any rights or licenses granted in this Agreement or the operation of your CryptoCash-360 Account to others without our prior written consent. If you wish to make such an assignment, please contact us for our consent at [email protected]. If we consent to the assignment, the assignee must agree to assume all of your rights and obligations owed by you related to the assignment and must agree to comply with the terms of this Agreement. CryptoCash-360 may assign this Agreement without your consent or any other restriction. If we make an assignment, we will provide a reasonable notice to you.

3. Right to Audit

If we believe that a security breach, leak, loss, or compromise of Data has occurred on your systems, website, or app affecting your compliance with this Agreement, we may require you to permit a third-party auditor approved by us to conduct a security audit of your systems and facilities, and you must fully cooperate with any requests for information or assistance that the auditor makes to you as part of the security audit. The auditor will issue a report to us which we may share with our third-party service providers.

4. No Agency; Third-Party Services

Except as expressly stated in this Agreement, nothing in this Agreement serves to establish a partnership, joint venture, or other agency relationship between you and us, or with any of our third-party service providers. Each party to this Agreement is an independent contractor.

4. No Agency; Third-Party Services

Except as expressly stated in this Agreement, nothing in this Agreement serves to establish a partnership, joint venture, or other agency relationship between you and us, or with any of our third-party service providers. Each party to this Agreement is an independent contractor.

5. Force Majeure

Neither party will be liable for any delays in processing or other nonperformance caused by telecommunications, utility, failures, or equipment failures; labor strife, riots, war, or terrorist attacks; nonperformance of our vendors or suppliers, fires, or acts of nature; or any other event over which the respective party has no reasonable control. However, nothing in this section will affect or excuse your liabilities or your obligation to pay fees, fines, disputes,, reversals, or returns under this Agreement.

6. Your Liability For Third-Party Claims Against Us

Without limiting, and in addition to, any other obligation that you may owe under this Agreement, you are at all times responsible for the acts and omissions of your employees, contractors, and agents, to the extent such persons are acting within the scope of their relationship with you.

You agree to defend CryptoCash-360, our affiliates, and their respective employees, agents, and third-party service providers (each a “CryptoCash-360 Entity”) against any claim, suit, demand, loss, liability, damage, action, or proceeding (each, a “Claim”) brought by a third party against a CryptoCash-360 Entity, and you agree to fully reimburse the CryptoCash-360 Entities for any Claims that result from (i) your breach of any provision of this Agreement;

(ii) any fees, fines, disputes, reversals, returns, or any other liability we incur that results from your use of the Services; (iii) negligent or willful misconduct of your employees, contractors, or agents; or (iv) contractual or other relationships between you and Customers.

7. Important Note for Sole Proprietors

If you are using Services as a sole proprietor, please keep in mind that the Law and the terms of this Agreement consider you and your business to be legally one and the same. You are personally responsible and liable for your use of the Services, payment of fees, reversals, fines, losses based on disputes or fraud, or for any other amounts you owe under this Agreement for your failure to use Security Controls, and for all other obligations to us. You risk personal financial loss if you fail to pay any amounts owed. Please take the time to read our Documentation and take any measures appropriate to protect against such losses.

8. Representations and Warranties

By accepting the terms of this Agreement, you represent and warrant that: (a) you are eligible to register and use the Services and have the authority to execute and perform the obligations required by this Agreement; (b) any information you provide us about your business, products, or services is accurate and complete; (c) each Transaction is for

permitted products, services, or donations, and any related information accurately describes the Transaction; (d) you will fulfill all of your obligations to Customers and will resolve all disputes with them; (e) you will comply with all Laws applicable to your business and use of the Services; (f) your employees, contractors and agents will at all times act consistently with the terms of this Agreement; (g) you will not use Services for personal, family or household purposes, for peer-to-peer money transmission, or (except in the normal course of business) intercompany Transactions; and (h) you will not use the Services, directly or indirectly, for any fraudulent or illegal undertaking, or in any manner that interferes with the normal operation of the Services.

9. No Warranties

WE PROVIDE THE SERVICES AND CRYPTOCASH-360 IP “AS IS” AND “AS AVAILABLE”, WITHOUT ANY EXPRESS, IMPLIED, OR STATUTORY WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ANY OTHER TYPE OF WARRANTY OR GUARANTEE. NO DATA, DOCUMENTATION OR ANY OTHER INFORMATION PROVIDED BY CRYPTOCASH-360 OR OBTAINED BY YOU FROM OR THROUGH THE SERVICES WHETHER FROM CRYPTOCASH-360 OR ANOTHER CRYPTOCASH-360 ENTITY, AND WHETHER ORAL OR WRITTEN – CREATES OR IMPLIES ANY WARRANTY FROM A CRYPTOCASH-360 ENTITY TO YOU.

YOU AFFIRM THAT NO CRYPTOCASH-360 ENTITY CONTROLS THE PRODUCTS OR SERVICES THAT YOU OFFER OR SELL. YOU UNDERSTAND THAT WE CAN NOT GUARANTEE AND WE DISCLAIM ANY KNOWLEDGE THAT YOUR END-USERS POSSESS THE AUTHORITY TO MAKE, OR WILL COMPLETE, ANY TRANSACTION.

THE CRYPTOCASH-360 ENTITIES DISCLAIM ANY KNOWLEDGE OF, AND DO NOT GUARANTEE:

(a) THE ACCURACY, RELIABILITY, OR CORRECTNESS OF ANY DATA PROVIDED THROUGH THE SERVICES; (b) THAT THE SERVICES WILL MEET YOUR SPECIFIC BUSINESS NEEDS OR REQUIREMENTS; (c) THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, OR WILL FUNCTION IN AN UNINTERRUPTED MANNER OR BE SECURE; (d) THAT CRYPTOCASH-360 WILL CORRECT ANY DEFECTS OR ERRORS IN THE SERVICE, API, DOCUMENTATION, OR DATA; OR (e) THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL CODE. USE OF DATA YOU ACCESS OR DOWNLOAD THROUGH THE SERVICES IS DONE AT YOUR OWN RISK – YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY, LOSS OF DATA, OR ANY OTHER LOSS THAT RESULTS FROM SUCH ACCESS OR DOWNLOAD. YOU UNDERSTAND THAT THE CRYPTOCASH-360 ENTITIES MAKE NO GUARANTEES TO YOU REGARDING TRANSACTION PROCESSING TIMES OR PAYOUT SCHEDULES.

NOTHING IN THIS AGREEMENT OPERATES TO EXCLUDE, RESTRICT OR MODIFY THE APPLICATION OF ANY IMPLIED CONDITION, WARRANTY OR GUARANTEE, OR THE EXERCISE OF ANY RIGHT OR REMEDY, OR THE IMPOSITION OF ANY LIABILITY UNDER LAW WHERE TO DO SO WOULD: (A) CONTRAVENE THAT LAW, OR (B) CAUSE ANY TERM OF THIS AGREEMENT TO BE VOID.

10. Limitation of Liability

Under no circumstances will any CryptoCash-360 Entity be responsible or liable to you for any indirect, punitive, incidental, special, consequential, or exemplary damages resulting

from your use or inability to use the Services or for the unavailability of the Services, for lost profits, personal injury, or property damage, or for any other damages arising out of, in connection with, or relating to this Agreement or your use of the Services, even if such damages are foreseeable, and whether or not you or the CryptoCash-360 Entities have been advised of the possibility of such damages. The CryptoCash-360 Entities are not liable, and deny responsibility for, any damages, harm, or losses to you arising from or relating to hacking, tampering, or other unauthorized access or use of the Services, your CryptoCash- 360 Account, or Data, or your failure to use or implement anti-fraud measures, Security Controls, or any other data security measure. The CryptoCash-360 Entities further deny responsibility for all liability and damages to you or others caused by (a) your access or use of the Services inconsistent with the Documentation; (b) any unauthorized access of servers, infrastructure, or Data used in connection with the Services; (c) interruptions to or cessation of the Services; (d) any bugs, viruses, or other harmful code that may be transmitted to or through the Services; (e) any errors, inaccuracies, omissions, or losses in or to any Data provided to us; (f) third-party content provided by you; or (g) the defamatory, offensive, or illegal conduct of others.

You agree to limit any additional liability not disclaimed or denied by the CryptoCash-360 Entities under this Agreement to your direct and documented damages, and you further agree that under no circumstances will any such liability exceed in the aggregate the number of Fees paid by you to CryptoCash-360 during the three-month period immediately preceding the event that gave rise to your claim for damages.

These limitations on our liability to you will apply regardless of the legal theory on which your claim is based, including contract, tort (including negligence), strict liability, or any other theory or basis.

We provide the Services from facilities in the United States. We do not claim, and we cannot guarantee that the Services we provide from the United States are or will be appropriate or available for any other location or jurisdiction, comply with the laws of any other location or jurisdiction, or comply with Laws governing export, import, or foreign use.

11. Responding to Legal Process

CryptoCash-360 may respond to and comply with any writ of attachment, lien, levy, subpoena, warrant, or other legal order (“Legal Process”) that we believe to be valid. We or any of our third-party service providers may deliver or hold any funds or, subject to the terms of our Privacy Policy, any Data as required under such Legal Process, even if you are receiving funds or Data on behalf of other parties. Where permitted by law, we will make reasonable efforts to provide you notice of such Legal Process by sending a copy to the email address we have on file for you. CryptoCash-360 is not responsible for any losses, whether direct or indirect, that you may incur as a result of our response or compliance with a Legal Process.

12. Dispute Resolution; Agreement to Arbitrate

Binding Arbitration: In the event that there is a dispute, claim or controversy arising out of or relating to statutory or common law claims, the breach, termination, enforcement, interpretation or validity of any provision of this Agreement, and the determination of the scope or applicability of your agreement to arbitrate any dispute, claim or controversy originating from this Agreement, but specifically excluding any dispute principally related to either party’s intellectual property (such dispute will be determined by the United States District Court for the District of Oregon), will be determined by arbitration in Portland, Oregon before a single arbitrator. The arbitration will be administered by the American Arbitration Association under its Commercial Arbitration Rules. The Expedited Procedures of the American Arbitration Association’s Commercial Arbitration Rules will apply for cases in which no disclosed claim or counterclaim exceeds $75,000 (exclusive of interest, attorneys’ fees, and arbitration fees and costs). Where no party’s claim exceeds $25,000 (exclusive of interest, attorneys’ fees, and arbitration fees and costs), and in other cases in which the parties agree, Section E-6 of the Expedited Procedures of the American Arbitration Association’s Commercial Arbitration Rules will apply. The arbitrator will apply the substantive law of the State of Oregon, exclusive of its conflict or choice of law rules. If the American Arbitration Association is no longer in business, or refuses or declines to administer any dispute between the parties brought before it, either party may petition the United States District Court for the District of Oregon to appoint the arbitrator. Nothing in this paragraph will preclude the parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The parties acknowledge that this Agreement evidences a transaction involving interstate commerce. Notwithstanding the provisions in this paragraph referencing applicable substantive law, the Federal Arbitration Act (9 U.S.C. §§ 1-16) will govern any arbitration conducted pursuant to the terms of this Agreement.

    1. Either party may commence the arbitration by providing to the American Arbitration Association and the other party to the dispute a written demand for arbitration, setting forth the subject of the dispute and the relief requested.

    2. Service of Process: Each party hereby irrevocably and unconditionally consents to service of process through personal service at their corporate headquarters, registered address, or primary address (for individuals or sole proprietors). Nothing in this Agreement will affect the right of any party to serve process in any other manner permitted by Law.

    3. Class Waiver: To the fullest extent permitted by law, each of the parties agrees that any dispute arising out of or in connection with this Agreement, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to this Agreement or any of the transactions contemplated between the parties.

    4. Provision of an Award: Subject to the limitations of liability identified in this Agreement, the appointed arbitrators may award monetary damages and any other remedies allowed by the laws of the State of Oregon. In making a determination, the arbitrator will not have the authority to modify any term or provision of this Agreement. The arbitrator will deliver a reasoned written decision with respect to the dispute (the “Award”) to each party, who will promptly act in accordance with the Award. Any Award (including interim or final remedies) may be confirmed in or enforced by a state or federal court located in Portland, Oregon The decision of the

arbitrator will be final and binding on the parties, and will not be subject to appeal or review.

    1. Fees: Each party will advance one-half of the fees and expenses of the arbitrators, the costs of the attendance of the arbitration reporter at the arbitration hearing, and the costs of the arbitration facility. In any arbitration arising out of or related to this Agreement, the arbitrators will award to the prevailing party, if any, the costs and attorneys’ fees reasonably incurred by the prevailing party in connection with those aspects of its claims or defenses on which it prevails, and any opposing awards of costs and legal fees awards will be offset.

    2. Confidentiality: The parties will maintain the confidential nature of the arbitration proceeding, the hearing, and the Award, except (i) as may be necessary to prepare for or conduct the arbitration hearing on the merits, (ii) in connection with a court application as contemplated above for a preliminary remedy, or confirmation of an Award or its enforcement, (iii) our disclosure of the Award in confidential settlement negotiations, or (iv) as otherwise required by applicable Laws. The parties, witnesses, and the arbitrator will treat as confidential and will not disclose to any third person (other than witnesses or experts) any documentary or other evidence produced in any arbitration hereunder, except as required by law or except if such evidence was obtained from the public domain or was otherwise obtained independently from the arbitration.

    3. Conflict of Rules: If any provision of this Agreement to arbitrate is held invalid or unenforceable, it will be so held to the minimum extent required by Law and all the other provisions will remain valid and enforceable.

13. Entire Agreement

This Agreement and all policies and procedures that are incorporated by reference constitute the entire agreement between you and CryptoCash-360 for the provision and use of the Services. Except where expressly stated otherwise in a writing executed between you and CryptoCash-360, this Agreement will prevail over any conflicting policy or agreement for the provision or use of the Services. This Agreement sets forth your exclusive remedies with respect to the Services. If any provision or portion of this Agreement is held to be invalid or unenforceable under Law, then it will be reformed and interpreted to accomplish the objectives of such provision to the greatest extent possible, and all remaining provisions will continue in full force and effect.

14. Cumulative Rights, Construction, Waiver

The rights and remedies of the parties under this Agreement are cumulative, and either party may enforce any of its rights or remedies under this Agreement, along with all other rights and remedies available to it at Law, in equity, or under the Payment Method Rules. No provision of this Agreement will be construed against any party on the basis of that party being the drafter. Unless expressly stated otherwise, the use of the term “including” or “such as” is not to be interpreted as limiting the generality of the text preceding the term.

The failure of either party to enforce any provision of this Agreement will not constitute a waiver of that party’s rights to subsequently enforce the provision.

15. Survival

All provisions of this Agreement that give rise to a party’s ongoing obligation will survive termination of this Agreement, including Taxes and Other Expenses, Service Requirements, Limitations and Restrictions, Suspicion of Unauthorized or Illegal Use, Disclosures and Notices; Electronic Signature Consent, Effects of Termination, Ownership of CryptoCash-360 IP, Security Interests, Reconciliation and Error Notification, Dormant Accounts, Security and Fraud Controls, No Agency; Third-Party Services, Force Majeure, Your Liability for Third-Party Claims Against Us, Representations, and Warranties, No Warranties Limitation of Liability, Responding to Legal Process, Dispute Resolution; Agreement to Arbitrate, Entire Agreement, Cumulative Rights, Construction, Waiver, Survival, and any related terms in the Agreement.

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