RedGage

1. By using or visiting the RedGage (“Company”, “we,” “our,” “us”) website www.redgage.com (“Site”) or any Company products, mobile applications, software, data feeds, and services (collectively the “Program”), you signify your agreement to (1) these Terms of Service and (2) RedGage’s Privacy Policy, found at http://www.redgage.com/privacy and incorporated herein by reference. If you do not agree to any of these terms or the RedGage Privacy Policy, please do not use the Program.
2. These Terms of Service, the Privacy Policy, and any other legal notices published by The Company on the Program, shall constitute the entire agreement between you and The Company concerning the Program.
3. You must be 13 years of age or older to use the Program. You affirm that you are either more than 13 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Service, and to abide by and comply with these Terms of Service. In any case, you affirm that you are over the age of 13, as the Program is not intended for children under 13. If you are under 13 years of age, then please do not use the Program.
4. Although The Company may attempt to notify you when major changes are made to these Terms of Service, you should periodically review the most up–to–date version http://www.redgage.com/terms. The Company may, in its sole discretion, modify or revise these Terms of Service and its policies at any time, and your continued use signifies your agreement to be bound by such modifications or revisions.
5. These Terms of Service apply to all users of the Program (“users”), including users who are also contributors of Content on the Program, as well as viewers. “Content” includes the text, software, scripts, graphics, photos, blogs, links, documents, sounds, music, videos, audiovisual combinations, interactive features and other materials you may view on, access through, or contribute to the Program.
6. The Program may contain links to third party websites that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites. In addition, the Company will not and cannot censor or edit the content of any third–party site. By using the Program, you expressly relieve the Company from any and all liability arising from your use of any third–party website. Accordingly, the Company encourages you to be aware when you leave the Program and to read the terms and conditions and privacy policy of each other website that you visit.

1. The Company develops and maintains a network of content creators and advertisers and owns related technologies that facilitate the distribution of content from participating content creators and provides links to advertising content from participating advertising partners. The Company makes, or may make, the Company Program available to the public through one or more channels. These channels include but are not limited to the following: via the Site, software applications, mobile applications, plug–ins, blogs, media search engines, toolbars, games, components or downloadable code, and other viral online mediums such as peer–to–peer networks, file sharing, instant messaging and email of the Company and the Company’s distribution partners. The Company at its discretion may introduce different financial services for its users including the issuance of physical or virtual debit cards.

1. In order to access some features of the Program, you will have to create an account. You may never use another’s account without permission. When creating your account, you must provide accurate and complete information. You agree not to impersonate any other person, or use a name you are not authorize to use. The Company has the right to terminate your use of the Program and the Company, its agents, suppliers, and subcontractors have the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.
2. You are solely responsible for the activity that occurs on your account and you must keep your account password secure. You must notify the Company immediately of any breach of security or unauthorized use of your account. The Company will not be liable for your losses caused by any unauthorized use of your account and you may be liable for the losses of the Company or others due to such unauthorized use
3. For your protection, you will be asked to verify your account. Verification is only an indication of increased likelihood that a user’s identity is correct. The Company shall not be responsible for any fraud, deception or misrepresentations by users, whether or not the user is verified. However, the Company, will seek to assist users who may be the victims of fraud if they report the problem promptly. The Company reserves the right to review a business or consumer credit report for any account and reserves the right to close an account based on information obtained during this credit review process.
4. The Company will not have any liability in connection with any unauthorized interception or use of data relating to you or the Program; any inability by you to use or access the Program or the Site for any reason; any actions or transactions by an individual that uses your user name and password with your consent or knowledge; or any cause over which the Company does not have direct control, including problems attributable to computer hardware or software (including computer viruses or hacking), telephone or other communications, or internet service providers.
5. The Company may, in its sole discretion, limit the number of users signing into the Program. The Company may also bring in new users based on invitations. The Company may select which users it wants to invite to the Program based on internal policies. The Company may decide to bar viewers from the Site or Program based on their geographic locations or IP addresses based on internal the Company policies.

The Company hereby grants you permission to access and use the Program as set forth in these Terms of Service, provided that:

1. The Company develops and maintains a network of content creators and advertisers and owns related technologies that facilitate the distribution of content from participating content creators and provides links to advertising content from participating advertising partners. The Company makes, or may make, the Company Program available to the public through one or more channels. These channels include but are not limited to the following: via the Site, software applications, mobile applications, plug–ins, blogs, media search engines, toolbars, games, components or downloadable code, and other viral online mediums such as peer–to–peer networks, file sharing, instant messaging and email of the Company and the Company’s distribution partners.
2. You agree not to alter or modify any part of the Program.
3. You agree not to access Content through any technology or means other than the Site of the Program itself or other explicitly authorized means the Company may designate.
4. You agree not to use the Program for any of the following commercial uses unless you obtain the Company’s prior written approval:
   — the sale of access to the Program;
   — the sale of advertising, sponsorships, or promotions placed on or within the Program or Content; or
   — the sale of advertising, sponsorships, or promotions on any page of an ad–enabled blog or website containing Content delivered via the Program.
5. You agree not to use or launch any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” that accesses the Program. Notwithstanding the foregoing, the Company grants the operators of public search engines permission to use spiders to copy materials from the site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials. The Company reserves the right to revoke these exceptions either generally or in specific cases. You agree not to collect or harvest any personally identifiable information, including account names, from the Program, nor to use the communication systems provided by the Program (e.g., comments, email) for any commercial solicitation purposes. You agree not to solicit, for commercial purposes, any users of the Program with respect to their Content.
6. The Company reserves the right to discontinue and/or change any aspect of the Program at any time including but not limited to: site functionality, features etc.

The Company hereby grants you permission to access and use the Program as set forth in these Terms of Service, provided that:

1. The Content on the Program, and the trademarks, service marks and logos (“Marks”) on the Program, are owned by or licensed to the Company, subject to copyright and other intellectual property rights under the law.
2. Content is provided to you AS IS. You may access Content for your information and personal use solely as intended through the provided functionality of the Program and as permitted under these Terms of Service. You shall not download any Content unless you see a “download” or similar link displayed by the Company on the Program for that Content. You shall not copy, reproduce, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any Content for any other purposes without the prior written consent of the Company or the respective licensors of the Content. The Company and its licensors reserve all rights not expressly granted in and to the Program and the Content.
3. You agree not to circumvent, disable or otherwise interfere with security–related features of the Program or features that prevent or restrict use or copying of any Content or enforce limitations on use of the Program or the Content therein.
4. You understand that when using the Program, you will be exposed to Content from a variety of sources, and that the Company is not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such Content. You further understand and acknowledge that you may be exposed to Content that is inaccurate, offensive, indecent, or objectionable, and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against the Company with respect thereto, and, to the extent permitted by applicable law, agree to indemnify and hold harmless the Company, its owners, operators, affiliates, licensors, and licensees to the fullest extent allowed by law regarding all matters related to your use of the Program.

In addition to the general restrictions above, the following restrictions and conditions apply specifically to your use of Content.

1. As an account holder you may submit Content to the Program, including user comments. Submitting content to the Program may include but not limited to uploading directly to the site, uploading through mobile applications, imported from third party websites etc. You understand that the Company does not guarantee any confidentiality with respect to any Content you submit.
2. You shall be solely responsible for your own Content and the consequences of submitting and publishing your Content on the Program. You affirm, represent, and warrant that you own or have the necessary licenses, rights, consents, and permissions to publish Content you submit; and you license to the Company all patent, trademark, trade secret, copyright or other proprietary rights in and to such Content for publication on the Program pursuant to these Terms of Service.
3. For clarity, you retain all of your ownership rights in your Content. However, by submitting Content to the Company, you hereby grant the Company a worldwide, non–exclusive, royalty–free, sublicenseable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your Content in connection with the Program and the Company’s (and its successors’ and affiliates’) business, including without limitation for promoting and redistributing part or all of the Program (and derivative works thereof) in any media formats and through or into any media channels. You also hereby grant each user of the Program a non–exclusive license to access your Content through the Program, and to use, reproduce, distribute, display and perform such Content as permitted through the functionality of the Program and under these Terms of Service. The above licenses granted by you in Content you submit to the Program terminate within a commercially reasonable time after you remove or delete your Content from the Program. You understand and agree, however, that the Company may retain, but not display, distribute, or perform, server copies of your Content that have been removed or deleted. The above licenses granted by you in user comments you submit are perpetual and irrevocable.
4. You further agree that Content you submit to the Program will not contain third party copyrighted material, or material that is subject to other third party proprietary rights, unless you have written permission from the rightful owner of the material or you are otherwise legally entitled to post the material and to grant the Company all of the license rights granted herein.
5. You further agree that you will not submit to the Program any Content or other material that is contrary to the Company Code of Conduct or act in violation of the Code of Conduct, currently found at http://redgage.com/terms#codeOfConduct which may be updated from time to time, or contrary to applicable local, national, and international laws and regulations
6. The Company does not endorse any Content submitted to the Program by any user or other licensor, or any opinion, recommendation, or advice expressed therein, and the Company expressly disclaims any and all liability in connection with Content. The Company does not permit copyright infringing activities and infringement of intellectual property rights on the Program, and the Company will remove all Content if properly notified that such Content infringes on another’s intellectual property rights. The Company reserves the right to remove Content without prior notice.
7. If you grant the Program access and permission to integrate with your accounts and your data on third party websites, the Company will have the right to act on your behalf in accordance with the specific permissions you gave the Program through the different technical methods provided to you by the Company.
8. If you grant the program access and permission to integrate with your accounts and your data in third party web sites the Company will not be responsible for any kind of damage including and not limited to: damage to your digital presence on the Company or to your digital presence on the third party websites, any third party website actions which has any direct or indirect impact on you, or any other third party action that might have direct or indirect impact on you.
9. You acknowledge that the Company has no obligation to monitor your access to or use of the Site, Program or Company Content or to review or edit any Content or third party materials, but has the right to do so for the purpose of operating the Site and Program, to ensure your compliance with these Terms of Service, or to comply with applicable law or the order or requirement of a court, administrative agency or other governmental body. The Company reserves the right, at any time and without prior notice, to remove or disable access to any Company Content, third party materials, and any Content, that the Company, in its sole discretion, considers to be in violation of these Terms of Service or otherwise harmful to the Site or Program.
10. The Company reserves the right to limit or restrict at any time the size or volume of uploading Content as well as set a limit to the number of total Content uploads a user may have on the Company.

1. Subject to your compliance with the terms and conditions of this Agreement, and depending on the distribution channels (and associated revenue structure, if any) made available to and selected by you, you may be able to generate revenue through participating in the Program by submitting Content and through valid end user activity relating to the Content, such as Content views or clicks, conversion of a click to a sale, or delivery of an additional information through Content (collectively “Advertising Actions”).
2. The Company will pay you using a formula based in part on the number of views your Content receives, provided you have an active and valid account. The payment rate will be determined per 1,000 unique views based on internal proprietary Company calculations, policies and algorithms. This rate will change frequently, and you can check your current rate on your account balance page. You understand and agree in the event your Content is distributed (i) by certain third-party service providers and referrers via broadcast distribution or mobile distribution; or (ii) with non–commercial sponsorship or ads, such distribution may not generate revenue for you.
3. Amounts due to you, if any, in connection with your participation as a Content submitter will be determined solely by the Company based on its proprietary algorithms. You will not be entitled to receive interest on any accrued amounts in your account. All amounts will be in U.S. Dollars. If and when your available balance is $25 (the “Minimal Threshold”) or more you may withdraw and transfer such amounts to other payment systems acceptable to the Company, such as third party prepaid cards). The Company may lower its Minimal Threshold in different geographic locations. The Company may deduct from accrued amounts a fee to transfer funds to third party payment systems. The Company will have no liability for third party payment systems and for amounts transferred to third party payment systems. You are solely responsible for accrued amounts once withdrawn. Generally, accrued amounts will be available for withdrawal or transfer forty–five (45) days after the end of the calendar month in which they accrued. The Company will not be liable for damages resulting from any failure to post amounts to your account within such forty–five (45) day period.
4. In order to withdraw amounts from your account, you must confirm the email address that you registered by responding to a message that the Company will send to that address when you have completed registration. The Company shall not be responsible for payments made to unintended Recipients or for payments made in incorrect amounts due to the input of incorrect information by you.
5. The Company is not an escrow agent. The amounts accrued to your account belong to you and will become payable once the available balance is $25 or more (the “Minimal Threshold”). The Company may lower its Minimal Threshold in different geographic locations.
6. The Company shall not be obligated to pay a user for any payments based on Advertising Actions especially for those that the Company has not been fully paid. Amounts accrued to your account are for use by you only and may not be transferred, sold, or in any other manner passed on to any third party (i.e., distributed to properties managed by you that require separate payments) except as expressly authorized in writing by the Company (including by electronic mail).
7. Except as contemplated below, payments will remain in your account until: (i) you transfer such amounts to other payment system acceptable to the Company; (ii) you direct the Company in writing to distribute such payments to a designated payment system acceptable to the Company, or (iii) the Company exercises its options under Section 11 below. If you dispute the Company’s payments made to you under this Agreement, you must notify the Company in writing within thirty (30) days of the Company depositing such payment to your account. Failure to notify the Company in this manner will result in your waiver of any claim relating to such dispute. The Company will use reasonable efforts to resolve any such dispute in good faith, but the Company’s resolution will be final. Should the Company need to conduct an investigation or resolve any pending dispute related to your account, the Company may defer payout or restrict access to your funds for the entire time it takes the Company to do so. The Company may also defer payout or restrict access to your funds as required by law or court order, or if otherwise requested by law enforcement or governmental entity. Furthermore, if the Company suspects future malicious usage by you as a result of transactions to your account, the Company may defer payout and/or restrict access to your funds.
8. The Company reserves the right to withhold payment if it does not have the necessary funds to pay you. The Company has the right to cancel funds reported to your account if, in its sole discretion, it determines that the funds were generated improperly, for example, by your manipulation of the Site or your breach of these Terms.
9. When you receive a payment, the Company will update your account activity on the product and provide you a transaction confirmation in your account balance page. This confirmation will serve as your receipt. Summaries of your account activity are available on the Company’s product. Except as required by law, you are solely responsible for (a) compiling and retaining permanent records of all transactions and other data and (b) reconciling all transaction information that is associated with your account.
10. Transactions are indicated as Pending, Cleared, Canceled or Removed.
    — “Pending” indicates that a transaction is currently undergoing review by the Company. “Pending” may also indicate that the transaction is awaiting account confirmation.
    — “Cleared” indicates that a transaction has cleared and the funds are available. If the Company subsequently determines that the transaction is related to a prohibited activity or that the transaction is the result of fraudulent activity, the Company may cancel or remove the transaction at any time.
    — “Canceled” indicates that a transaction has been stopped or reversed. This could be due to inaccurate or incomplete information about your account, our inability to validate the legitimacy of a payment, or another reason. You may contact the Company Support for more information.
    — “Removed” indicates that a transaction could not be processed due to various transaction–related reasons.
11. The Company may change the payment structure (including and not limited to: different methods of payment, minimum amount of money user is allowed to withdraw, number of days before money is transferred to user’s account etc.) at any time, upon thirty (30) days’ prior notice of any such change (unless the Company is required by law to provide more than thirty (30) days notice). All modified payment terms shall be effective thirty (30) days after notice has been posted on the Company Program (or such other time period specified in such notice). If any such modified payment terms are not acceptable to you, your only recourse is to cease participation or terminate your account in accordance with Section 12. By continuing to participate following notice of any modified payment terms as set forth herein, you accept and agree to be bound by such modified payment terms.
12. You will not, and will not authorize any party to, directly or indirectly, generate automated, fraudulent or otherwise invalid Advertising Actions. If, in the Company’s reasonable business judgment, Advertising Actions or activity related to your account is suspected or determined to be so–called “click fraud” or “impression fraud”, whether in any automated or human way, by the use of a person, an automated script or a computer program (for example, online robots or “bots”) to click on an Ad, or any other fraudulent means, to increase impressions, skew results or imitate a legitimate user of a web browser, for example, by clicking on an Ad for the purpose of generating an improper click value and generating revenue (collectively, “Action Fraud”), the Company may suspend or otherwise disable your account until such time as the matter is resolved to the Company’s satisfaction.
13. The Company will have no obligation to pay any amounts, and is permitted to deduct or withhold any amounts from or posted to your account, determined or reasonably suspected by the Company in its sole discretion to have resulted from: (i) Action Fraud, including without limitation through any clicks originating from your IP addresses or computers under your control, solicited by payment of money, false representation or request for end users to click on Content, or invalid Advertising Actions; (ii) Advertising Actions originating on Content that breaches this Agreement, including but not limited to Content prohibited under Section 6; (iii) fraudulent, misleading or false activities; or (iv) other actions that violate these Terms of Service. The Company reserves the right to withhold or deduct payment, if applicable, or suspend or otherwise disable your account, pending the Company’s reasonable investigation of any of the foregoing or any breach of this Agreement by you.
14. If there is no activity in your account (including access or payment transactions) for at least one (1) year, and you have a balance, the Company may notify you by sending an email to your registered email address and give you the option of keeping your account open and maintaining the balance, taking settlement of the balance, or requesting a check. If you do not respond to the Company’s notice within thirty (30) days, the Company may close your account and later escheat your funds in accordance with applicable law, and if permitted, to the Program.
15. You are solely responsible for providing and maintaining an accurate address and other contact information as well as payment information associated with your account. For U.S. taxpayers, this information may include without limitation a valid U.S. tax identification number and a fully–completed Form W–9. For non–U.S. taxpayers, this information may include without limitation either a signed certification that the taxpayer does not have U.S. activities. Any bank fees related to returned or cancelled checks due to a contact or payment information error or omission may be deducted from the newly issued payment. You agree to pay all applicable taxes or charges imposed by any government entity in connection with your participation in the Program. The Company may change its pricing and/or payment structure at any time.
16. Users many not earn money from the content provided to the Company in countries where it is unlawful or where payment by the Company is impracticable due to laws, regulations, or other circumstances. Such countries include, but are not limited to Afghanistan, Albania, Angola, Azerbaijan, Belarus, Burundi, Cameroon, Central African Republic, Chad, The Democratic Republic of the Congo, Côte d'Ivoire (Ivory coast), Cuba, Eritrea, Ethiopia, Gaza & West Bank, Georgia, Haiti, Honduras, Indonesia, Islamic Republic of Iran, Iraq, Democratic People's Republic of Korea, Kuwait, Lao People's Democratic Republic, Lebanon, Liberia, Libyan Arab Jamahiriya (Lybia), Macedonia, Mali, Moldova, Montenegro, Myanmar (Burma), Nauru, Niger, Nigeria, Pakistan, Palestine, Sao Tome and Principe, Serbia, Sierra Leone, Somalia, Sri Lanka, Sudan, Syrian Arab Republic, Timor-Leste, Turkmenistan, Uganda, Uzbekistan, Yemen, Zimbabwe.
17. The Company may issue you a physical or virtual prepaid card (“Card”). The Card is issued by the Company’s bank partner. The Card is not a gift card or gift certificate. The Card is not a credit card. The Card remains the property of the bank and must be surrendered upon demand. The Card cannot be redeemed for cash. The Card is not for resale and may not be transferred or assigned. The Card is not connected in any way to any other account with the Company. The Card is non transferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. The Card is not designed for business use, and the Company may close your Account if the Company determines that it is being used for business purposes. The Company may refuse to process any transaction that the Company believes may violate the terms of this Agreement. You acknowledge and agree that the value available in your Card Account is limited to the funds available in your RedGage account. The funds associated with your Card Account are not insured by the Federal Deposit Insurance Corporation. You will not receive any interest on the funds in your Card Account. In addition, you acknowledge and agree that if you have both a virtual Card and a physical Card that both Cards access the same Card Account. The Virtual Card is a prepaid card account. The Virtual Card allows you to access funds loaded to your Virtual Card Account by RedGage. You may access the funds in your Virtual Card Account by using your Virtual Card Number. The Virtual Card is not a credit card. The Virtual Card is not a gift card, nor is it intended for gifting purposes. You will not receive any interest on your funds on the Virtual Card. There may be fees associated with some of your virtual card transactions. Absent special approval, the maximum combined value of funds in your Virtual Card Account(s) may not exceed $500 USD on the Card. You agree to meet identification requirements to complete value load transactions as may be required from time to time.
18. You should monitor your balance and ensure that you have funds available in your Virtual Card Account to cover the transaction and all associated fees. The transaction will be rejected (declined) for insufficient funds and you will not exceed available funds (no negative balance). Each time you initiate a Virtual Card transaction, you authorize the Company to reduce the funds available in your Virtual Card Account by the amount of the transaction and all associated fees. You are not allowed to exceed the available amount in your Virtual Card Account through an individual transaction or a series of transactions to create a “negative balance” as the transaction will be declined. Nevertheless, if any transactions cause the balance in your Virtual Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to the Company for the amount of any negative balance and any corresponding transaction fees. The Company reserve the right to bill you for any negative balance or to recoup such negative balance from any other Virtual Card the Company has issued to you. You agree to pay the Company promptly for the negative balance and any related fees. The Company also reserve the right to cancel your Virtual Card should you create one or more negative balances with your Virtual Card. The Company reserve the right to delay or further limit such transfers while the Company screens for risk, or the Company may request you provide additional information to verify your identity
19. Do not share your Card number or PIN with anyone. You should treat your Card number with the same care as you would treat cash. Either memorize your Card number or keep it in a safe place. Do not send your Card number in an email or text message. Make sure your Card number is secured with encryption when you use your Card to perform transactions over the Internet or wireless networks. If you believe that anyone has gained unauthorized access to your Card number, you should contact the Company immediately.
20. Money that you receive from other users on the Program is held as a balance in your Program account. Any balance you hold in the Program represents an unsecured claim against the Company and is not insured by the Federal Deposit Insurance Corporation (FDIC). The Company combines your Program balance with the Program balances of other Program users and may invest those funds in liquid investments. The Company owns the interest or other earnings on these investments. These pooled amounts are held separate from The Company’s corporate funds, and the Company will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy.
21. The Company may issue and redeem Gage Tokens. Gage Tokens may be used, kept, or exchanged online wherever parties are willing to accept Gage Tokens. The Company will use its full discretion in regard to the decision in which geographic locations it will issue and redeem Gage Tokens. In locations in which the Company issues and redeems Gage Tokens, the money received by the Company from users will be recognized as proceeds from the sale of Gage Tokens instead of recognized as an unsecured claim against the Company. In other words the Company may in some geographic locations issue and redeem Gage Tokens while in the other geographic regions it will treat the money transferred to the Company by users as an unsecured claim against the Company. The availability of the Company’s services is subject to the Company’s capabilities in each jurisdiction or based on your profile excluding, gender, religion, political affiliation or immigrant status.
22. Gage Tokens are purchased for money, but they are not money themselves. Gage Tokens are denominated in USD. The range of currencies available to denominate Gage Tokens is within the sole control and at the sole and absolute discretion of the Company. The Company will not issue Gage Tokens for other Digital Tokens (for example, bitcoin), and will not redeem Gage Tokens for other Digital Tokens; only money will be accepted upon issuance, and only money will be provided upon redemption. The Company will declare the rate at which Gage Tokens will be issued or redeemed for amounts in USD. In order to cause Gage Tokens to be issued or redeemed by the Company, you must be a verified user of the Company. No exceptions will be made to this provision. The right to have Gages redeemed or issued is a contractual right personal to you. The Company must and does at all times reserve the right to refuse to issue or redeem Gage Tokens, without limiting the generality of the foregoing, if any act, conduct, transaction, omission, or misrepresentation:
    1. violates;
    2. attempts or conspires to violate;
    3. causes, aids, or abets the violation of;
    4. involves a Prohibited Jurisdiction or Sanctioned Person under;
    5. is suspected or believed to be blocked property, frozen assets, or economic resources, or the proceeds of any crime, terrorist financing, or corruption related to any Person or Government Official under; or,
    6. exposes Company and its Associates to sanctions, restrictions, or penalties pursuant to, any applicable Laws, including but not limited to Applicable AML/CTF Laws, Applicable ABAC Laws, or Applicable Sanctions Laws. The Company also reserves the right to issue or redeem Gage Tokens upon receipt of any subpoena, request for information, or order under applicable Laws or from any Government or Government Official, including but not limited to any domestic or international law enforcement authority. Absent a reasonable legal justification not to redeem Gage Tokens, and provided that you are a fully verified user of the Company, your Gage Tokens are freely redeemable.
    7. Persons ordinarily resident in, and nationals of, Prohibited Jurisdictions or Sanctioned Persons under Applicable Sanctions Laws; Persons and Government Officials believed or suspected to be transacting in the proceeds of corruption, bribery, or other crimes under Applicable ABAC Laws; and Persons believed or suspected to be engaged in money laundering or terrorist financing under Applicable AML/CTF Laws are not permitted to be users of Company; are not permitted to cause Gages to be issued or redeemed; and, are not permitted to hold or transact in Gage Tokens.
23. If you initiate a transaction in a currency or country other than the currency or country in which your Card was issued, the amount deducted from your funds will be converted by Mastercard into an amount in the currency of your Card. This may result in additional fees. Mastercard will establish a currency conversion rate for this convenience using a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Mastercard itself receives, or the government mandated rate in effect for the applicable central processing date, in each instance.
24. In the course of processing and sending any withdrawals in money, the Company may be required to share your customer information with other contractual third parties. You hereby irrevocably grant full permission and authority for the Company to share this information with such contractual third parties and release the Company from any liability, error, mistake, or negligence related thereto.
25. If the Company determines that you have engaged in any Prohibited Use, the Company may address such Prohibited Use through an appropriate sanction, in its sole and absolute discretion. Such sanction may include, but is not limited to, making a report to law enforcement or other authorities; confiscation of any funds or Gage Tokens; and, terminating your access to any Services. The Company may, at its sole and absolute discretion, seize and hand over your property to law enforcement or other authorities where circumstances warrant, in the Company’s sole and absolute discretion. In such circumstance, the Company has no obligation to disclose to you about any circumstances reported to or shared with any Government or law enforcement authority.
26. The Company is committed to providing you with safe, compliant, and reputable Services. Accordingly, the Company insists on a customer due diligence process and implementation and ongoing analysis and reporting. This includes monitoring of and for suspicious transactions and mandatory or voluntary reporting to international regulators. The Company needs to keep certain information and documentation on file pursuant to applicable law and its contractual relationships, and the Company hereby expressly reserves the right to keep such information and documentation. This will apply even when you terminate your relationship with the Company or abandon your application to have an account with the Company. The Company reserves the right to refuse registration to, or to bar transactions from or to, or terminate any relationship with, any customer for any reason (or for no reason) at any time. Without limiting the generality of the foregoing, this includes, but is not limited to, any Person ordinarily resident in any Prohibited Jurisdiction; any Sanctioned Person; any Government Official or Politically Exposed Person within the meaning of the FATF’s 40 Recommendations; or, anyone that fails to meet any customer due diligence standards, requests, or requirements of the Company or obligations of Applicable AML/CTF Laws, Applicable Sanctions Laws, or Applicable ABAC Laws. In lieu of refusing registration, the Company may perform enhanced customer due diligence procedures. At all times, you may be subject to enhanced customer due diligence procedures in your use of the Program, Site and any Service.
27. You represent and warrant to the Company as follows:
    — That you will not use the Program, Site or any Services in order to disguise the proceeds of, or to further, any breach of applicable laws or regulations, or to deal in any contraband Digital Tokens or proceeds;
    — that you will not use the Program or use any Services with anything other than funds or Gage Token that have been legally obtained by you and that belong to you;
    — that you will not falsify any account registration details provided to the Company;
    — that you will not falsify or materially omit any information or provide misleading information requested by the Company in the course of, directly or indirectly relating to, or arising from your activities on the Program, Site or use of any Services, including at registration;
    — that any trading or other instructions received or undertaken through your login credentials or from your authorized e-mail address on file with the Company are deemed to be valid, binding, and conclusive, and that the Company may act upon those instructions without any liability or responsibility attaching to it; and,
    — that you will fairly and promptly report all income associated with your activity on the Site pursuant to applicable law and pay any and all taxes exigible thereon.
    
28. You will be able to initiate different types of financial transactions. Some of them are:
    — Add money through a participating Cash Merchant outlet;
    — Send money to and receive money from other users;
    — Buy Prepaid Airtime or top-up mobile minutes;
    — Pay utility bills or make one-off or periodic payments or remittances to participating utility providers, financial institutions charity organizations, etc.
    — Pay for goods purchased from participating merchants;
    — And any other Transactions as may be introduced by the Company or its financial institution partners from time to time.
    
29. The Company does not warrant that all functionalities shall be available at all times and may withdraw any functionality or the RedGage Service in general as a direct result of new or amended legislation, statutory instrument, Government regulations or policy or any other compelling reason. The Company makes no representations, warranties, or guarantees to you of any kind. The Program, Site and the Services are offered strictly on an as-is, where-is basis and, without limiting the generality of the foregoing, are offered without any representation as to merchantability or fitness for any particular purpose. The Company may provide additional functionality following integration with platforms of financial institutions and other entities providing you with specified services. Such functionality may give you limited access to platforms of the financial institutions or other entities. By using such functionality to gain access to other platforms, you hereby agree to indemnify the Company against, and hold the Company harmless from any losses arising from your access to such external platforms.
30. The Company may charge a monthly subscription (“RedGage Mobile Subscription”) to gain access to the its Mobile Application. The monthly cost of the RedGage Mobile Subscription is displayed on the product signup page and may change. Discounts on subscriptions may be offered for purchasing multiple months in advance. Certain individuals may also receive free subscriptions for marketing purposes. The RedGage Mobile Subscription may be paid for through various payment methods including but not limited to, credit/debit cards, cash payments, your Program balance. Access to these payment methods may change at any time. The RedGage Mobil Subscription is charged on the 1st of every month. If you start your RedGage Mobile Subscription in the middle of a month, on the 1st of the next month you will be charged less than a full monthly subscription to account for the days of the previous month before your subscription was started. After you are charged, your Program credentials will allow you to sign in to the Company’s Mobile Application. You are responsible for your own payment methods. No refunds will be given for a RedGage Mobile Subscriptions charged by you for various reasons including errors. However, you can cancel your RedGage Mobile Subscription at any time and you will not be charged in the next payment cycle for the following subscription time period. After cancellation, if there are any days remaining in the subscription time period you will still have access to the Company’s Mobile Application until the end of the period.
31. Fees for the Company’s Services and Products will be communicated to you prior to the acceptance of a transaction order by you. Your use of the Company’s Services and Products is subject to your payment of the applicable fees. Fees for the Company’s Services and Products may vary from time to time, but any changes in fees will not apply to any transactions for which you have received a confirmation from the Company. You will pay all fees incurred by you or on your behalf through the Company’s Services or Products, at the prices in effect when such charges are incurred, including any taxes applicable to your transactions.
32. You may use the Company’s Services, Products or Program only as permitted by the Company, only for lawful purposes and only in accordance with these Terms. Your right to access and the Company’s Program is personal to you and is not transferable by you to any other person or entity. You may use the Company’s Program only in good faith for yourself or others on whose behalf you are authorized to act. You may not access or use the Company’s Program for any other purposes, including to conduct unlawful or illegal activity. Without limiting the generality of the foregoing, you may not and may not assist, encourage, support or enable others to:
    1. Use the Company’s Program in connection with any activity that: violates any applicable federal, state, local or international law or regulation, or the rights of a third-party; relates to a transaction that (a) discloses the personal information of third parties in violation of applicable law, (b) supports pyramid or ponzi schemes, matrix programs, other “get rich quick” schemes or certain multi-level marketing programs, (c) involves credit repair, debt settlement services, or (d) involves offering or receiving payments for the purpose of bribery or corruption; or involves the sale of products or services identified by any government agency to have a high likelihood of being fraudulent;
    2. Provide false, inaccurate or misleading information;
    3. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to the Company;
    4. Use the Company’s Program in any way that violates any applicable federal, state, local or international law or regulation, or the rights of a third-party;
    5. Use your account with the Company or the Company’s Program in a manner that the Company or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of these Terms, or card association rules (each as applicable);
    6. Use an anonymizing proxy, or control an account that is linked to another account that has engaged in any activity prohibited by these Terms;
    7. Control or possess more than one account without authorization from the Company;
    8. Use the Company’s Program in a manner that results in or may result in complaints, disputes, claims, reversals, chargebacks, fees, fines, penalties and other liability to the Company, another user of the Company’s Program, a third-party or you;
    9. Through the use of the Company’s Program, unlawfully defame, abuse, harass, offend or threaten anyone or any entity;
    10. Engage in any conduct that restricts or inhibits, or prevents access, use or enjoyment of the Company’s Program, or which, as determined by the Company in its sole and absolute discretion, may harm the Company or users of the Company’s Program or expose them to liability;
    11. Use the Company’s Program in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Company’s Program, including their ability to engage in real time activities through the Company’s Services, Products or Program;
    12. Use any robot, spider or other automatic device, process or means to access the Company’s Program for any purpose, including monitoring or copying any of the material on the Company’s Program;
    13. Use any manual process to monitor or copy any of the material on the Company’s Program or for any other unauthorized purpose without the Company’s prior written consent;
    14. Use any device, software or routine that interferes with the proper working of the Company’s Program;
    15. Introduce any viruses, Trojan horses, worms, logic bombs or other malicious or technologically harmful material to, on or through the Company’s Program;
    16. Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Company’s Program, or any servers, computers or databases on which the Company’s Program our stored;
    17. Attack the Company’s Services via a denial-of-service attack or a distributed denial-of-service attack;
    18. Publish a service comparison analysis of any nature without written authorization;
    19. Otherwise attempt to interfere with the proper working of the Company’s Program; or
    20. Violate these Terms, the Company’s Privacy Policy, or the Mastercard Terms.
    The Company may, in its sole discretion, cancel your access to the Company’s Program for any reason, including as a result of any breach or suspected breach of these Terms.
33. Your access and use of the Company’s Program may be interrupted from time to time for any of several reasons, including the malfunction of the Company’s software platform or infrastructure, periodic updates, maintenance or repair of the Company’s Program or other actions that the Company may, in its sole discretion, elect to take. The Company may suspend or discontinue the availability of the Company’s Program or any portion or feature of the Company’s Program at any time in its sole discretion and without prior notice to you. The Company will not be liable if, for any reason, all or any part of its Program are unavailable at any time or for any period. From time to time, the Company may restrict access to all or any part of its Program by users.
34. The Company or its third-party service providers may impose transaction limits on your ability to send, deposit, transfer or withdraw funds at its discretion, including, without limitation, as a result of requirements of applicable law or otherwise. Transaction limits help the Company screen for suspicious activity and protect your financial security.

Without limiting any other provision of this agreement, the Company reserves the right to take the actions described in this Section 8.

1. If the Company has reason to believe that you have engaged in any restricted activities, made excessive or unexplainable transactions, violated any parts of this agreement or provided any incorrect information, the Company may take various actions to protect the Company, a user, a third party, or you from reversals, chargebacks, claims, fees, fines, penalties and any other liability. The actions the Company may take include but are not limited to the following:
   — The Company may close, suspend, or limit your access to your account or the services (such as limiting access to any of your payment sources, and your ability to send money, make withdrawals, or remove financial information);
   — The Company may stop other users interactions with you on the site, stop comments and other functions related to you on the Site;
   — The Company may contact your bank or credit card issuer, and warn other users, law enforcement, or impacted third parties of your actions;
   — The Company may update inaccurate information you provided the Company;
   — The Company may refuse to provide its services to you in the future;
   — and the Company may take legal action against you.
2. The Company may cancel any transaction if the Company believes the transaction violates these Terms or if the Company believes doing so may prevent financial loss. The Company may also cancel any electronic value accumulated, transferred, assigned, or sold as a result of fraudulent or illegal behavior.
3. In order to prevent financial loss to you or to the Company, the Company may contact affected third parties (including other users), or law enforcement, and share details of any payments you are associated with, if the Company believes doing so may prevent financial loss or a violation of law.

1. You are responsible for the payment of any applicable federal, state or local taxes (“Taxes”) arising from your participation in the Program. You are responsible for determining any and all taxes assessed, incurred, or required to be collected, paid or withheld for any reason. You are solely responsible for collecting, withholding, reporting and remitting correct Taxes to the appropriate tax authority. You agree to indemnify and hold the Company harmless from and against any claim arising out of your failure to do so.
2. If in a given calendar year you receive more than $600 in gross payments, the Company will report annually to the Internal Revenue Service (“IRS”), as required by law, your name, address, Tax Identification Number (such as Employment Identification Number or Social Security Number), the total dollar amount of the payments you receive in a calendar year, and the total dollar amount of the payments you receive for each month in a calendar year.

The Company may operate sweepstakes, contests and similar promotions (collectively, “Promotions”) through the Site and Program. You should carefully review the rules (e.g., the “Official Rules”) of each Promotion in which you participate through the Site and Program, as they may contain additional important information about the Company’s rights to and ownership of the submissions you make as part of the Promotions and as a result of the your participate in such Promotion. To the extent that the terms and conditions of such Official Rules conflict with these Terms of Service, the terms and conditions of such Official Rules will control.

1. The Company may, in its sole discretion, terminate an account at any time for any reason, including user’s access to the Program for any breach of these Terms of Service.
2. The Company reserves the right to decide whether Content violates these Terms of Service for reasons other than copyright infringement, such as, but not limited to, pornography, obscenity, or excessive length. The Company may at any time, without prior notice and in its sole discretion, remove such Content and/or terminate a user’s account for submitting such material in violation of these Terms of Service.
3. If your account is terminated for any reason, you agree: (a) to immediately stop using the Program, (b) that any license provided to you under these Terms shall end, (c) that the Company reserves the right (but have no obligation) to delete all of your information and account data stored on its servers, and (d) that the Company shall not be liable to you or any third party for termination of access to the Program, deletion of your information or account data, or export of your information or account data.
4. You may terminate this Agreement and other Company agreements by closing your account at any time. Before closing your account it is suggested that you do one final withdrawal. Upon closure of an account, any pending transactions will be cancelled.
5. The Company will not be liable to you for compensation, reimbursement, or damages in connection with any termination or suspension of the Program.
6. When you close your Program account, the Company will cancel any scheduled or incomplete transactions. You must withdraw any Program balance from your Program account prior to closing it.
7. You will remain liable for all obligations related to your Program account even after the Program account is closed. In certain cases, you may not close your Program account, including:
   — To evade an investigation;
   — If you have a pending transaction or an open dispute or claim;
   — If your Program account has a negative balance;
   — If your Program account is subject to a hold, limitation or reserve;

YOU AGREE THAT YOUR USE OF THE PROGRAM SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, IN CONNECTION WITH THE PROGRAM AND YOUR USE THEREOF. The Company MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THIS SITE’S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS SITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE COMPANY’S PROGRAM, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF THE COMPANY’S SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE COMPANY’S PROGRAM, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE COMPANY’S PROGRAM BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE PROGRAM. The Company DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE PROGRAM OR ANY HYPERLINKED SERVICES OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND THE COMPANY WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD–PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY CONSEQUENTIAL, INDIRECT, INCIDENTAL, PUNITIVE OR SPECIAL DAMAGES WHATSOEVER ARISING OUT OF OR RELATED TO THIS AGREEMENT, INCLUDING DAMAGES FOR LOST PROFITS, LOST BUSINESS OR OTHER INFORMATION, BUSINESS INTERRUPTION, PERSONAL INJURY, LOSS OF PRIVACY, AND THE LIKE, EVEN IF THE REMEDIES OTHERWISE PROVIDED UNDER THIS AGREEMENT, AT LAW OR IN EQUITY FAIL OF THEIR ESSENTIAL PURPOSE, REGARDLESS OF THE FORM OR CAUSE OF ACTION OR THE ALLEGED BASIS OF THE CLAIM, AND EVEN IF THE COMPANY HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COMPANY’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT EXCEED THE AMOUNT THE COMPANY HAS PAID TO YOU UNDER THESE TERMS OF SERVICE.

To the extent permitted by applicable law, you agree to defend, indemnify and hold harmless the Company, its parent corporation, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the Program; (ii) your violation of any term of these Terms of Service; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that your Content caused damage to a third party. This defense and indemnification obligation will survive these Terms of Service and your use of the Program.

1. You agree not to disclose the Company Confidential Information without the Company’s prior written consent. “Company Confidential Information” includes without limitation: (a) all the Company software, technology, programming, specifications, materials, guidelines and documentation relating to the Program; (b) payment rates or other statistics relating to performance in the Program provided to you by the Company; and (c) any other information designated in writing by the Company as “Confidential” or an equivalent designation. However, you may accurately disclose the amount of the Company’s gross payments to you pursuant to the Program. Company Confidential Information does not include information that has become publicly known through no breach by you, or information that has been (i) independently developed without access to Company Confidential Information, as evidenced in writing; (ii) rightfully received by you from a third party; or (iii) required to be disclosed by law or by a governmental authority.
2. If you are a copyright owner or an agent thereof and believe that any Content infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing the Company’s Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):
   — A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
   — Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
   — Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material;
   — Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail;
   — A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
   — A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
   The Company’s designated Copyright Agent to receive notifications of claimed infringement is Carmen Limon. She can be reached at support@redgage.com For clarity, only DMCA notices should go to the Copyright Agent; any other feedback, comments, requests for technical support, and other communications should be directed to the Company customer service through support@redgage.com. You acknowledge that if you fail to comply with all of the requirements of this Section 14, your DMCA notice may not be valid.
3. If you believe that your Content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner’s agent, or pursuant to the law, to post and use the material in your Content, you may send a counter–notice containing the following information to the Copyright Agent:
   — Your physical or electronic signature;
   — Identification of the Content that has been removed or to which access has been disabled and the location at which the Content appeared before it was removed or disabled;
   — A statement that you have a good faith belief that the Content was removed or disabled as a result of mistake or a misidentification of the Content; and
   — Your name, address, telephone number, and e–mail address, a statement that you consent to the jurisdiction of the federal court in Broward County, Florida, and a statement that you will accept service of process from the person who provided notification of the alleged infringement.
   If a counter–notice is received by the Copyright Agent, the Company may send a copy of the counter–notice to the original complaining party informing that person that it may replace the removed Content or cease disabling it in ten (10) business days. Unless the copyright owner files an action seeking a court order against the Content provider, member or user, the removed Content may be replaced, or access to it restored, in ten (10) to fourteen (14) business days or more after receipt of the counter–notice, at the Company’s sole discretion.
4. These Terms of Service, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by the Company without restriction.
5. The Program is controlled and offered by the Company from its facilities in the United States of America. The Company makes no representations that the Program is appropriate or available for use in other locations. Those who access or use the Program from other jurisdictions do so at their own volition and are responsible for compliance with local law.
6. You further agree that: (i) the Program shall be deemed solely based in Florida; and (ii) the Program shall be deemed a passive website that does not give rise to personal jurisdiction over the Company, either specific or general, in jurisdictions other than Florida. These Terms of Service shall be governed by the internal substantive laws of the State of Florida, without respect to its conflict of laws principles.
7. Any claim or dispute between you and the Company that arises in whole or in part from the Program shall be resolved exclusively by binding, individual arbitration in Dade County, Florida and you waive your right to participate in a class action lawsuit or class–wide arbitration.
8. If any provision of these Terms of Service is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Service, which shall remain in full force and effect. No waiver of any term of this these Terms of Service shall be deemed a further or continuing waiver of such term or any other term, and the Company’s failure to assert any right or provision under these Terms of Service shall not constitute a waiver of such right or provision. The Company reserves the right to amend these Terms of Service at any time and without notice, and it is your responsibility to review these Terms of Service for any changes. Your use of the Program following any amendment of these Terms of Service will signify your assent to and acceptance of its revised terms.
9. YOU AND THE COMPANY AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE Program MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
10. Nothing in these Terms of Service shall be deemed to confer any third–party rights or benefits.

You agree not to do any of the following while using the Site, Program or Company Content: