SHIGA DIGITAL LIMITED’s (“Shiga”) Decentralised Application (DAPP) platform is committed to creating open-source software that empowers users’ financial autonomy. It provides users with the option to execute third party payments and grants access to non-custodial or self-custody wallets.

ARBITRATION NOTICE: THESE TERMS (“TERMS”) CONTAIN AN ARBITRATION CLAUSE BELOW. EXCEPT FOR CERTAIN TYPES OF DISPUTES MENTIONED IN THAT ARBITRATION CLAUSE, YOU AND WE AGREE THAT ANY DISPUTES RELATING TO THE SERVICES (AS DEFINED BELOW) WILL BE RESOLVED BY MANDATORY BINDING ARBITRATION, AND YOU WAIVE ANY RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS-ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

You are entering into a binding Agreement.

BY ACCESSING OR USING OUR SERVICES, INCLUDING OUR VARIOUS WEBSITES SUCH AS WWW.SHIGA.IO (AND ITS SUBDOMAINS), APPLICATIONS, AND OTHER SERVICES THAT LINK TO THESE TERMS, ALONG WITH ANY INFORMATION, TEXT, LINKS, GRAPHICS, PHOTOS, AUDIO, VIDEO, OR OTHER MATERIALS STORED, RETRIEVED, OR APPEARING ON THE SITE, WHETHER ACCESSED THROUGH THE SITE OR OTHERWISE, YOU ARE ENTERING INTO A BINDING AGREEMENT WITH US (“AGREEMENT”). THIS AGREEMENT CONSISTS OF THESE TERMS, THE SHIGA PRIVACY POLICY (AVALIABLE HERE) , AND OTHER POLICIES REFERENCED HEREIN. COLLECTIVELY, THESE DOCUMENTS FORM THE AGREEMENT BETWEEN YOU AND US.

Where there is a conflict between these Terms and any applicable additional terms, these Terms will be superior unless expressly stated otherwise. If you do not agree with these Terms, you may not use the \services and should not visit the Website or otherwise engage with the services.

1.1 Use of the Services.

To use the Services, you must have the legal capacity to enter into the Agreement. By using the Services, you affirm and represent that you meet this eligibility criteria. If you do not meet these requirements, you must refrain from accessing or using the Site or the Services.

1.2 Updates to Services and the Terms.

We reserve the right to update the Services, the Agreement, and/or any part of the Terms at any time.

By continuing to use the Services, including accessing the Site, after any part of the Agreement is updated and in effect, you are bound by the Terms. We hold the right to modify or discontinue all or any part of the Services, including access through third-party links, at any time without liability to you. If you have any inquiries regarding your use of the Services, you can reach us at www.shiga.io

By communicating with us, electronically, you consent to receiving communications from us in electronic form. It is advisable to periodically review the Terms to ensure your understanding of the terms and conditions that apply to your access and use of the Site.

Shiga.io provides resources that explain the fundamentals of the Shiga Protocol. However, all information provided on the Site and through the Services is for informational purposes only. You should not make any decisions or take any actions solely based on the information found on the Site or any other information provided, including blog posts, data, articles, links to third-party content, Discord content, news feeds, tutorials, tweets, and videos. Before making any financial, legal, technical, or other decisions related to the Services, it is recommended that you seek independent professional advice from qualified individuals in the relevant field.

The Services may provide links to other sites, applications, or resources, but we are not responsible for the availability of such external resources, and we do not endorse or accept liability for any content, advertising, products, or other materials on or accessible from these external sources. You acknowledge that we will not be held responsible or liable for any damages or losses incurred from using or relying on such content, goods, or services available through these external sources.

It is important to note that the information provided on the Site about the Shiga Protocol is not exhaustive and may not cover all aspects of the Protocol. Additional documentation is available on the Site for a more comprehensive understanding of the Protocol, its ecosystem, and its community.

Please be aware that we are not a party to any transactions on the blockchain networks underlying the Shiga Protocol. We do not have control over any crypto assets displayed on the Services, nor do we store, send, or receive any crypto assets. When interacting with Shiga

Protocol smart contracts, you maintain control over your crypto assets at all times using your private key. It is your responsibility to secure your private keys, and we do not have access to them. As a non-custodial and decentralized service, we are not intermediaries, agents, advisors, or custodians. We do not have a fiduciary relationship or obligation to you regarding any decisions or activities you undertake while using our Services.

Additionally, we do not have access to any user information or identities beyond what is publicly available on the blockchain. We are not liable for any activities you engage in while using the Services, and you need to understand the risks associated with crypto assets, blockchain technology, and our Services.

The software underlying the blockchain networks on which the Shiga Protocol operates, such as the Ethereum blockchain, is open-source, allowing anyone to use, utilize, and build upon it. By using the Services, you acknowledge and agree that we are not responsible for the operation of the underlying blockchain-based software and networks. We cannot guarantee the functionality, security, or availability of these software and networks, and they are subject to sudden changes in operating rules, including forks.

2.1 Blockchain Transactions are Traceable.

Blockchains, including blockchain-based transactions, are designed to be transparent. Your public key and wallet address, which are necessary for buying or selling items on the blockchain, are visible to anyone. If your public key or wallet address can be linked to your identity, someone could potentially determine your identity and the crypto-currency assets you possess.

2.2 Blockchain Transactions May Incur Fees.

It's important to note that blockchain transactions often incur associated fees. These fees, known as gas fees, are transaction fees paid for every transaction that takes place on the chosen blockchain network. Please be aware that gas fees are non-refundable. We do not offer services for users to handle, store, or receive payments for crypto-currency assets, nor do we charge any fees for transactions, the Services, or the Site.

Transactions that rely on smart contracts and other experimental technologies come with risks. Our transaction protocols operate through smart contracts stored on different Blockchains, Cryptographic Tokens generated by these smart contracts, as well as other emerging software, applications, and systems that interact with blockchain networks.

Apart from the fact that these technologies can be subject to regular or frequent modifications, allowing for flexibility and evolution over time, they are experimental and inherently risky. Some of these risks, including bugs and cyber-attacks, could disrupt the technology and potentially lead to the complete loss of crypto assets, their market value, or digital funds.

The security of the private key associated with the blockchain address used in interactions with the Protocol is your sole responsibility. We are neither liable nor responsible for any of such risks. If you are not comfortable assuming these risks, it is advised that you refrain from accessing or engaging in transactions using blockchain-based technology.

IT IS ALSO IMPORTANT TO NOTE THAT ONCE A TRANSACTION IS RECORDED ON THE BLOCKCHAIN, INCLUDING TRANSFERS OF CRYPTO ASSETS AND ASSOCIATED DATA PROGRAMMED WITHIN THESE ASSETS (SUCH AS REVENUE AND INTEREST ALLOCATIONS), TRANSACTIONS GENERALLY CANNOT BE DELETED OR MODIFIED BY US OR ANY OTHER PARTY. THEY ARE CONSIDERED PERMANENT AND IRREVERSIBLE. THIS IMMUTABILITY REQUIRES CAUTION WHEN FINALIZING ANY TRANSACTION THAT WILL BE RECORDED ON THE BLOCKCHAIN.

3.1 Disclaimer: Exclusion of Liability for Third-Party Services or Links.

We do not assume responsibility for the content or services provided by any third party. We make no representations regarding the accuracy or content of any third-party services or materials. Your use and access to any third-party products or services, including those accessed through our Services, are undertaken at your own risk.

By using the Services, you agree to the automated collection and disbursement of proceeds through smart contracts. You acknowledge and accept that all transactions conducted through the Services will be automatically processed by one or more blockchain-based smart contracts. By engaging in transactions using the Services, you acknowledge and consent to the automatic processing of all transactions in connection with the Services. Furthermore, you acknowledge and agree that the specific smart contract governing a transaction will determine the distribution of funds and ownership of crypto assets.

You acknowledge the risks associated with using the Services. You are solely responsible for evaluating the Services before using them, and all transactions accessed through the Services are irreversible, final, and non-refundable. The Services may be disabled, disrupted, or negatively impacted due to cyber-attacks, high activity levels, computer viruses, technical challenges, or other factors. We do not have an ongoing obligation to notify you of all potential risks associated with using and accessing our Services. By accepting these risks, you agree not to hold any Shiga Indemnified Party accountable for any resulting losses.

3.2 Wallet Security: Your Sole Responsibility.

You acknowledge and agree that you bear sole responsibility for ensuring the security of your wallet. Any unauthorized access to your wallet by third parties may lead to the loss or theft of crypto assets or funds held in your account and any related accounts.

You understand and agree that we are not involved in managing or maintaining the security of your wallet, and you will not hold us responsible for such matters. Furthermore, you understand and agree that we are not accountable for any unauthorized access to your wallet. It is your responsibility to actively monitor the security of your wallet.

3.3 Access Restriction to Our Services.

You acknowledge and agree that we have the right to restrict your access to the Services using any technically available methods if, in our sole discretion, we suspect any of the following:

If we have a reasonable suspicion that you are utilizing the Site for illegal purposes, we reserve the right to take appropriate action as deemed necessary.

3.4 Quality or Accessibility of Services.

3.4.1 As a condition for accessing or using the Services or the Site, you acknowledge and understand that there may be occasions when the Site and the Services are inaccessible or non-functional due to various reasons. These reasons may include equipment malfunctions, periodic maintenance procedures or repairs, causes beyond our control or unforeseeable circumstances, disruptions or temporary/permanent unavailability of underlying blockchain infrastructure, or unavailability of third-party service providers or external partners.

3.4.2 You acknowledge and agree that when accessing and using the Services, including the Site, you do so at your own risk. It is important to consider your circumstances and financial resources before engaging in blockchain-based transactions. By utilizing the Services, you confirm that you are solely responsible for conducting your thorough due diligence regarding the risks associated with a transaction, as well as the underlying smart contracts and crypto assets involved.

4.1 Tax Duty and Responsibility.

Users are solely responsible for fulfilling their tax obligations, including the payment of any taxes, duties, and assessments imposed by governmental authorities, both currently and in the future, related to their use of the Services. This responsibility also extends to any taxes or obligations resulting from the use and exploitation of crypto assets and interactions with smart contracts. It should be noted that the tax treatment of blockchain-based transactions is uncertain due to their novelty.

5.1 Service Usage License.

Subject to your continued compliance with the Agreement, we provide you with a personal, worldwide, revocable, non-exclusive, and non-transferable license to use the software that is made available to you as part of our Services. This license is granted solely to allow you to use and benefit from the Services in accordance with the provisions outlined in these Terms.

5.2 Service Ownership: All Rights Reserved.

We retain all rights, title, and interest in and to the Services, which includes copyrights to any content, code, data, or other materials that you may access or use through the Services. However, please note that the code for the Shiga Protocol and the front-end interface (www.shiga.io) deployed on IPFS are open-source. Except as explicitly stated here, your use or access to the Services does not confer any ownership or other rights to you.

5.3 Feedback Usage and Sharing.

Any comments, bug reports, ideas, or other feedback that you voluntarily provide about our Services, including suggestions for improvements, are considered non-confidential and non-proprietary. You agree that we have the freedom to utilize or choose not to use, any feedback received from you as we deem appropriate. This includes the ability to copy and share such feedback with third parties, without any obligation to you.

6.1 To use the Services, you must comply with this Agreement, including these Terms, any applicable third-party policies, and all relevant laws, rules, regulations, and guidance. The following activities are strictly prohibited:.

6.1.1 Using the Services for illegal purposes, such as money laundering, financing terrorism, tax evasion, or buying/selling illegal drugs, contraband, counterfeit goods, or illegal weapons.

6.1.2 Exploiting the Services for any unauthorized commercial activities.

6.1.3 Uploading or transmitting viruses, worms, Trojan horses, malware, or any other malicious code that may disrupt the functionality or operation of the Services.

6.1.4 Unauthorized copying or use of all or any part of the Services, including attempts to reverse compile, reformat, disassemble, or reverse engineer any aspect of the Services.

6.1.5 Harvesting or collecting information from the Services for unauthorized purposes.

6.1.6 Using the Services under false or fraudulent pretenses or engaging in deceptive behaviour.

6.1.7 Interfering with other users' access to or use of the Services.

6.1.8 Interfering with or circumventing the security features of the Services or any third-party systems, networks, or resources used in providing the Services.

6.1.9 Engaging in attacks, hacks, denial-of-service attacks, interference, or exploits of smart contracts in connection with the Services. Note that even if a smart contract technically permits certain operations, engaging in such operations may still violate our Agreement, including these Terms, and the law.

6.1.10 Engaging in anticompetitive behaviour or any other form of misconduct.

By using the Services, you agree not to engage in any of the aforementioned prohibited activities.

6.2 Violating our rules .

You agree and acknowledge that if you use the Services to engage in conduct that is prohibited by applicable law, we have the right to fully or partially restrict or revoke your access to the Services. This action may be taken at our sole discretion and can be temporary or permanent in nature. We also reserve the right to amend, rectify, edit, or otherwise modify transaction data as necessary to address any harm or damage caused by a user's violation of this Agreement or applicable law. These measures are implemented to protect both us and other individuals affected by such violations.

6.3 Our Right to Investigate any Violations.

We retain the right to investigate and take legal action in response to any suspected breaches of this Agreement, including the Terms. To comply with applicable laws, regulations, legal processes, or governmental requests, we may disclose any necessary information.

7.1 No Representations or Warranties.

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE SHIGA INDEMNIFIED PARTIES, INCLUDING US AND OUR PARENTS, SUBSIDIARIES, AFFILIATES, RELATED COMPANIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, AND LICENSORS, MAKE NO GUARANTEES OF ANY KIND REGARDING THE SERVICES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SHIGA INDEMNIFIED PARTIES DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE SHIGA INDEMNIFIED PARTIES ALSO DISCLAIM ALL RESPONSIBILITY AND LIABILITY FOR THE FOLLOWING:

7.1.1 THE ACCURACY, COMPLETENESS, CURRENCY, RELIABILITY, UNINTERRUPTED AVAILABILITY, TIMELINESS, SECURITY, OR ERROR-FREE NATURE OF THE SERVICES. INFORMATION AVAILABLE THROUGH THE SERVICES, INCLUDING THE VALUE OR OUTCOME OF ANY TRANSACTION, IS PROVIDED FOR GENERAL INFORMATION PURPOSES ONLY AND SHOULD NOT BE SOLELY RELIED UPON FOR MAKING DECISIONS. ANY RELIANCE ON THE SERVICES IS AT YOUR OWN RISK.

7.1.2 INJURY OR DAMAGE RESULTING FROM THE USE OF THE SERVICES. FOR INSTANCE, YOU ACKNOWLEDGE AND AGREE THAT THE SERVICES MAY CONTAIN AUDIO-VISUAL EFFECTS, STROBE LIGHTS, OR OTHER MATERIALS THAT MAY AFFECT YOUR PHYSICAL SENSES AND/OR CONDITION. FURTHERMORE, YOU ACKNOWLEDGE THAT THE SHIGA INDEMNIFIED PARTIES ARE NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED BY ANOTHER USER'S CONDUCT, UNAUTHORIZED ACTORS, OR UNAUTHORIZED ACCESS TO OR USE OF THE SERVICES.

7.1.3 VIRUSES, WORMS, TROJAN HORSES, TIME BOMBS, CANCEL BOTS, SPIDERS, MALWARE, OR ANY OTHER TYPE OF MALICIOUS CODE THAT MAY BE USED TO AFFECT THE FUNCTIONALITY OR OPERATION OF THE SERVICES.

7.2 Limitation of Liability.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NONE OF THE SHIGA INDEMNIFIED PARTIES SHALL BE LIABLE TO YOU FOR ANY LOSS, DAMAGE, OR INJURY OF ANY KIND, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE LOSSES OR DAMAGES. THIS INCLUDES DAMAGES RESULTING FROM SYSTEM FAILURE OR MALFUNCTION, LOSS OF PROFITS, DATA, USE, BUSINESS, GOODWILL, OR OTHER INTANGIBLE LOSSES. SUCH LIABILITY SHALL ARISE OUT OF OR BE CONNECTED TO:

7.2.2 THE SERVICES OR YOUR INABILITY TO USE OR ACCESS THE SERVICES.

7.2.3 MISUSE OF THE SERVICES, INCLUDING UNAUTHORIZED ACCESS TO THE SERVICES.

7.2.4 ANY USER CONDUCT ON THE SERVICES.

7.2.5 TERMINATION, SUSPENSION, OR RESTRICTION OF ACCESS TO ANY OF THE SERVICES.

FURTHERMORE, NO SHIGA INDEMNIFIED PARTY SHALL BE LIABLE FOR ANY DAMAGES CAUSED IN WHOLE OR IN PART BY:

7.2.6 USER ERROR, SUCH AS FORGOTTEN PASSWORDS OR INCORRECTLY CONSTRUCTED SMART CONTRACTS OR TRANSACTIONS.

7.2.7 SERVER FAILURE OR DATA LOSS.

7.2.8 MALFUNCTIONS, UNEXPECTED FUNCTIONS, OR UNINTENDED FUNCTIONS OF THE BLOCKCHAIN, ANY COMPUTER, OR CRYPTO ASSET NETWORK (INCLUDING WALLET PROVIDERS). THIS INCLUDES LOSSES ASSOCIATED WITH NETWORK FORKS, REPLAY ATTACKS, DOUBLE-SPEND ATTACKS, SYBIL ATTACKS, 51% ATTACKS, GOVERNANCE DISPUTES, MINING DIFFICULTY, CHANGES IN CRYPTOGRAPHY OR CONSENSUS RULES, HACKING, OR CYBERSECURITY BREACHES.

7.2.9 CHANGES IN THE VALUE OF ANY CRYPTO ASSET.

7.2.10 CHANGES IN LAW, REGULATION, OR POLICY.

7.2.11 EVENTS OF FORCE MAJEURE. (G) ANY THIRD PARTY.

THIS LIMITATION OF LIABILITY APPLIES REGARDLESS OF WHETHER OTHER PROVISIONS OF THESE TERMS HAVE BEEN BREACHED OR PROVEN INEFFECTIVE. THE LIMITATIONS OUTLINED IN THIS SECTION APPLY REGARDLESS OF THE FORM OF ACTION AND THE LEGAL OR EQUITABLE THEORY UPON WHICH LIABILITY OR DAMAGES ARE BASED, WHETHER IT BE CONTRACT, INDEMNIFICATION, TORT, STRICT LIABILITY, STATUTE, OR ANY OTHER THEORY, EVEN IF THE SHIGA INDEMNIFIED PARTIES HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

IN NO EVENT WILL THE CUMULATIVE LIABILITY OF THE SHIGA INDEMNIFIED PARTIES TO YOU OR ANY OTHER USER EXCEED ONE THOUSAND U.S. DOLLARS (U.S. $1,000.00).

UNDER NO CIRCUMSTANCES ARE ANY OF THE SHIGA INDEMNIFIED PARTIES REQUIRED TO PROVIDE YOU WITH VIRTUAL CURRENCY AS DAMAGES, SPECIFIC PERFORMANCE, OR ANY OTHER REMEDY. IF THE CALCULATION OF DAMAGES IS BASED ON THE VALUE OF VIRTUAL CURRENCY, YOU AND WE AGREE THAT THE CALCULATION WILL BE BASED ON THE LOWEST VALUE OF THE VIRTUAL CURRENCY DURING THE PERIOD BETWEEN THE ACCRUAL OF THE CLAIM AND THE AWARD OF DAMAGES.

Please note that some jurisdictions may not allow the exclusion or limitation of certain warranties and liabilities as stated in this section. As a result, some of the limitations and disclaimers mentioned above may not apply to you. In cases where applicable law does not permit the SHIGA Indemnified Parties to disclaim certain warranties or limit certain liabilities, the extent of the SHIGA Indemnified Parties' liability and the scope of such warranties will be as permitted under the applicable law.

8.1 You agree to indemnify, defend, and hold harmless the Shiga from any claim or demand (including without limitation fees and disbursements of attorneys and other professional advisers) made by any third party due to or arising out of: .

8.1.2 Your breach or alleged breach of the Agreement (including, without limitation, these terms).

8.1.3 Your misuse of the Services, or any smart contract and/or script related thereto.

8.1.4 Your violation of any laws, rules, regulations, codes, statutes, ordinances, or orders of any governmental or quasi-governmental authorities.

8.1.5 Your violation of the rights of any third party, including any intellectual property right, publicity, confidentiality, property, or privacy right.

8.1.6 Your use of a third-party product, service, and/or website.

8.1.7 Any misrepresentation made by you.

The indemnity obligation arising from this Agreement shall remain in full force and effect notwithstanding the termination of this Agreement.

9.1 Amicable Settlement.

9.1.2 In the event of a dispute arising between you and Shiga relating to the agreement or the Services, the Party in dispute shall notify the Party immediately in writing.

9.1.3 The Party receiving such notice shall have thirty (30) days to respond to the notice.

9.1.4 Within sixty (60) days after the aggrieved party sent the initial notice, the parties shall meet and confer in good faith by videoconference, or by telephone, to try to resolve the dispute.

9.1.5 The Parties shall have ninety (90) days after the aggrieved Party sent the initial notice to resolve the dispute amicably.

9.1.6 If the Parties fail to settle such difference or dispute by amicable agreement, either Party may submit the dispute to Arbitration as set forth below.

9.2 Arbitration.

9.2.2 Both Parties shall bear the cost equally.

9.2.3 The dispute shall be resolved through binding arbitration in accordance with the International Arbitration Rules of the International Centre for Dispute Resolution.

9.2.4 The seat of arbitration shall be decided upon by Shiga.

9.2.5 The language of the arbitration shall be English.

9.2.6 The arbitrator(s) shall have experience adjudicating matters involving Internet technology, software applications, financial transactions, and, ideally, blockchain technology.

9.2.7 The arbitrator’s award of damages must be consistent with the terms of the “Limitation of Liability” subsection of these Terms as to the types and amounts of damages for which a party may be held liable.

9.2.8 The prevailing party will be entitled to an award of their reasonable attorney’s fees and costs. Except as may be required by law, neither a party nor its representatives may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of all parties.

To the maximum extent permitted by law, you agree that you will not be permitted to obtain an injunction or other equitable relief of any kind, such as a Court order or other action that may interfere with or prevent the development or exploitation of the services, or any other creation such as; website, application, content, submission, product, service, or intellectual property owned, licensed, used or controlled by Shiga.

11.1 This Agreement is effective unless and until terminated by either you or us. You may terminate your Agreement with us at any time by ceasing all access to the site or the services. If, in our sole judgment, you fail, or we suspect that you have failed, to comply with any term or provision of the Agreement (including without limitation any provision of these Terms), we reserve the right to terminate our Agreement with you and deny you access to the services. We further reserve the right to restrict your access to the site or to stop providing you with all or a part of the services at any time and for no reason, including, without limitation, if we reasonably believe;.

11.2.2 Your use of the services exposes us to risk or liability.

11.2.3 You are using the services for unlawful purposes; or

11.2.4 It is not commercially viable to continue providing you with our services.

11.2.5 All of these are in addition to any other rights and remedies that may be available to us, whether in equity or at law, all of which we expressly reserve.

Our services are intended for general audiences and are not directed at children. To use the Services, you must legally be able to enter into the Agreement. We do not knowingly collect personal information (as defined by the Act ) from children. If you are a parent or guardian and believe we have collected personal information in violation of the law, please contact us at ... and we will remove the personal information in accordance with the Act .

If a provision of this Agreement is held to be illegal, void, or unenforceable, in whole or in part, under an enactment or rule of law, it shall to that extent be deemed not to form part of this Agreement and the legality or enforceability of the remainder of this Agreement shall not be affected. Such determination shall not affect the validity and enforceability of any other remaining provisions.

The Agreement may be assigned without your prior consent to us or our respective successors and assigns in the interest of any business associated with our services. You shall not assign or transfer any rights or obligations under this Agreement without our prior written consent.

The Agreement (including, without limitation, these terms, and our Privacy Policy) and any policies or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us and govern your use of the Services, superseding any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us. Any failure by us to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision.