Terms of Service

PLEASE NOTE: THE SECTION OF THESE TERMS OF SERVICE ENTITLED “GOVERNING LAW AND DISPUTE RESOLUTION” CONTAINS AN ARBITRATION CLAUSE THAT REQUIRES DISPUTES TO BE ARBITRATED ON AN INDIVIDUAL BASIS AND PROHIBITS CLASS ACTION CLAIMS. IT AFFECTS HOW DISPUTES BETWEEN YOU AND Two Cent Software, Inc. ARE RESOLVED. BY ACCEPTING THESE TERMS OF SERVICE, YOU AGREE TO BE BOUND BY THIS ARBITRATION PROVISION. PLEASE READ IT CAREFULLY.

PLEASE READ THESE TERMS CAREFULLY, AS THEY CONTAIN MANY LIMITATIONS, PARAMETERS AND RULES REGARDING YOUR USE THE SERVICES (AS DEFINED BELOW) (COLLECTIVELY, “RULES”), AND SUCH RULES ARE DISPERSED THROUGHOUT THESE TERMS AND NOT CONSOLIDATED INTO ANY SINGLE SECTION.

Please read these Terms of Service (the “Terms”) and our Privacy Policy (the “Privacy Policy”) carefully because they govern your use of the website located at twocents.money and any associated applications, and / or platforms, including, but not limited to, any mobile or web based applications (collectively, the “Platform”) offered by Two Cent Software, Inc. (“we,” “us,” or “twocents"). To make these Terms easier to read, the Platform and our services offered thereon are collectively called the “Services.”

• 1. Agreement to Terms. By accessing or using our Services, you agree to be bound by these Terms. If you don’t agree to be bound by these Terms, do not use the Services. These Terms hereby incorporates by this reference any additional terms and conditions with respect to the Services posted by twocents to the Platform or otherwise made available to you by twocents, including, but not limited to, the additional terms included on Annex A (the “Boilerplate Terms") at the bottom of these Terms. If you are an individual accessing or using the Services on behalf of, or for the benefit of, any corporation, partnership or other entity with which you are associated (“Organization”), then you are agreeing to these Terms on behalf of yourself and such Organization, and you represent and warrant that you have the legal authority to bind such Organization to these Terms. References to “you” and “your” in these Terms will refer to both the individual using the Services and to any such Organization. To the extent the terms contained in the primary body of these Terms conflicts with the Terms contained in the Boilerplate Terms, the terms contained in the primary body of these Terms shall govern.

• 2. Definitions.

  • a. twocents Parties means twocents and all our past, present and future partners, parents, subsidiaries, affiliates and joint venturers, as well as all of our respective past, present and future its officers, directors, agents, representatives, attorneys, predecessors, successors and assigns, whether acting in the course and scope of employment, and all persons acting by, through, under, or in concert with any of them.

• 3. Overview of the Platform and the Services. twocents is a social media application that lets you (i) connect eligible brokerage, bank, and crypto-account providers through third-party data aggregation services to view balances and holdings, (ii) view anonymized benchmarks and leaderboards based on self-reported age, location, and other optional attributes, and (iii) create and interact with user-generated content (posts, comments, reactions) that may display your net-worth metrics you choose to share. twocents is not a broker-dealer or investment adviser, does not execute trades, and does not provide personalized investment advice. See “No Investment Advice; No Orders” and “Regulatory & Market Rules” below.

• 4. Eligibility. You may use the Services only if you, and you represent and warrant that you (as applicable):

  • a. Are at least the age of majority in your jurisdiction (e.g., 18 years old in the United States) and capable of forming a binding contract with twocents (if we learn an account is used by someone under 18, we may terminate it);
  • b. You are not located in a country or territory subject to comprehensive U.S. sanctions (currently, e.g., Cuba, Iran, North Korea, Syria, the Crimea/Donetsk/Luhansk regions of Ukraine) and you are not otherwise barred from using the Services under applicable export, sanctions, or similar laws;
  • c. Are not the subject of sanctions administered or enforced by the United States (including without limitation the U.S. Department of the Treasury’s Office of Foreign Asset Control), the United Kingdom, the European Union or any other governmental authority (“Sanctions”) or (ii) organized or resident in a country or territory that is the subject of country-wide or territory-wide Sanctions;
  • d. Understand that use of the Services involves risks, and you agree you are responsible for your decisions;
  • e. Will not falsify or materially omit any information or provide misleading or inaccurate information requested by Two Cents in the course of, directly or indirectly relating to, or arising from your activities on or use of the Services, including, but not limited to, at registration or during administration or other due diligence processes, and that if any information provided to Two Cents becomes incorrect or outdated, you will promptly provide corrected information to Two Cents;
  • f. Will not use the Services in order to conceal or disguise the origin or nature of proceeds of crime or terrorist financing, or to further, any breach of applicable law, or to deal in any unlawful property, funds, or proceeds;
  • g. Consent to any and all tax and information reporting under applicable law;
  • h. Will not use the Services in violation of export, sanctions, or similar laws (including for the benefit of any person or entity blocked or denied under such laws);
  • i. Are not otherwise barred from using the Services under applicable law; and
  • j. Will accurately and promptly inform us if you know or have reason to know whether any of the foregoing representations or warranties no longer is correct or becomes incorrect.

• 5. Financial Account Connections; Third-Party Data Aggregators. To connect financial accounts, we use one or more third-party data aggregation providers (each, a “Data Aggregator”). By choosing to connect an account, you authorize Two Cents and the applicable Data Aggregator to access and transfer read-only information (for example, account identifiers, balances, positions, and transactions) from your financial institutions to Two Cents to provide the Services. Your use of a Data Aggregator is also governed by that provider’s end-user terms and privacy disclosures, which apply in addition to these Terms. We do not store your financial-institution credentials. Two Cents is not responsible for the acts, omissions, or availability of any Data Aggregator or connected financial institution.

• a. Agency & Limited Power of Attorney. Solely to retrieve read-only account information from your financial institutions, you authorize Two Cents and our Data Aggregators to act as your agent, and you grant them a limited power of attorney to access and transmit your information as your representative. Third-party data sources may rely on this authorization and agency. This does not permit trading, account changes, or any other non-read actions.

• 6. Fees and Payments. Certain features may be offered for a fee (one-time or subscription). Fees are disclosed at purchase and are charged through our payment processors or the applicable app store. By purchasing, you authorize the charge to your selected payment method. Unless stated otherwise, fees are non-refundable and may change prospectively upon notice through the Service. If you sign up through Apple or Google, billing, renewals, and refunds are handled by that app store and subject to its terms.

• a. Subscriptions; Auto-Renewal; Cancellation. If a feature is offered on a subscription basis, your subscription will automatically renew at the then-current price and term unless you cancel before the end of the current term. We will disclose price and term at purchase and provide notice of material price changes in advance.

• b. If you subscribed via Apple App Store or Google Play, billing and cancellation are managed by that app store and its terms apply; you can cancel in your device’s subscription settings. For direct web purchases, you may cancel in-app or by contacting us at team@twocents.money. Except where required by law, fees are non-refundable, and service continues through the end of the paid term.

• 7. Disclaimers. THE SERVICES AND PLATFORM ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, WE EXPLICITLY DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. We make no warranty that the Services and Platform will meet your requirements or be available on an uninterrupted, secure, or error-free basis. We make no warranty regarding the quality, accuracy, timeliness, truthfulness, completeness or reliability of any information or content on the Services or Platform.

• 8. No Investment Advice; No Orders. Content on the Service, including posts, comments, leaderboards, alerts, and any metrics or visualizations, is for informational and educational purposes only and is not investment, tax, legal, accounting, or other professional advice. Two Cents is not a broker-dealer or investment adviser, does not endorse any security or strategy, and does not solicit the purchase or sale of securities. Two Cents does not place, route, transmit, or execute orders, and is not responsible for any trading or other activity in your brokerage or exchange accounts.

• 9. Market and Account Data. Information presented in the Service (including prices, market data, and balances/positions retrieved from connected accounts) may be delayed, incomplete, or inaccurate and is provided “AS IS” for convenience. You are solely responsible for verifying any information before relying on it.

• 10. Regulatory & Market Rules. You agree that any content you post complies with applicable law and regulation, including U.S. federal and state securities laws (e.g., the Securities Act of 1933, the Securities Exchange Act of 1934 including Rule 10b-5, and Regulation FD) and any applicable exchange or FINRA rules. Without limitation, you will not: (i) post false or misleading statements about a security, issuer, or market; (ii) share material nonpublic information; (iii) coordinate deceptive activity (including pump-and-dump or spoofing); or (iv) otherwise engage in manipulative or fraudulent conduct.

• 11. Mobile App providers. If you access the Service via an Apple-branded device, you acknowledge that these Terms are between you and Two Cents, not Apple, and that Apple is a third-party beneficiary entitled to enforce these Terms. Apple has no warranty or support obligations for the app. Your license to use the app is subject to Apple’s Standard EULA. If you access via Google Play, your use is also subject to the Google Play Terms.

• 12. Release and Indemnification. You, on behalf of yourself and on behalf of your heirs, estate, executors, administrators, agents, beneficiaries, trustees, legal and other representatives, successors and assigns, hereby irrevocably and unconditionally indemnify and release and forever discharge Two Cents Parties from any and all Claims that relate to or otherwise involve (i) your access to or use of the Services, (ii) your breach or violation of these Terms or any applicable law or regulation, or (iii) any interaction you have with a third party.

• 13. Limitation of Liability.

  • a. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER Two Cents PARTIES NOR THEIR RESPECTIVE SERVICE PROVIDERS INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SERVICES WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST SAVINGS, LOST BUSINESS OPPORTUNITY, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE SERVICES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT Two Cents OR ITS SERVICE PROVIDERS HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, EVEN IF A LIMITED REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.
  • b. TO THE MAXIMUM EXTENT PERMITTED BY THE LAW OF THE APPLICABLE JURISDICTION, IN NO EVENT WILL Two Cents’ TOTAL LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES EXCEED THE LESSER OF (I) $100 OR (II) THE AMOUNTS YOU ACTUALLY PAID TO Two Cents IN THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT FIRST GIVING RISE TO SUCH CLAIM.
  • c. THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN Two Cents AND YOU.

• 14. Governing Law. These Terms and any action related thereto will be governed by the laws of Delaware, without regard to its conflict of laws provisions. For claims not subject to arbitration and for enforcement of arbitration awards, the exclusive jurisdiction and venue will be the state and federal courts located in New Castle County, Delaware, and you and Two Cents consent to personal jurisdiction there.

• 15. Binding Arbitration.

  • a. You and Two Cents agree that any dispute, claim, or controversy arising out of or relating in any way to these Terms, your use of the Services, or the relationship between the parties, shall be resolved exclusively through final and binding arbitration, rather than in court, except that either party may assert claims in small claims court in Delaware if those claims qualify.
  • b. The arbitration shall be conducted by a single arbitrator in accordance with the rules of the American Arbitration Association (“AAA”) applicable to consumer disputes (if you are an individual) or commercial disputes (if you are a business). The arbitration shall be held in Wilmington, DE or another mutually agreed location.
  • c. The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The arbitrator’s award shall be final and binding on the parties and may be entered as a judgment in any court of competent jurisdiction.

• 16. Class Action Waiver. YOU AND Two Cents AGREE THAT ANY CLAIMS SHALL BE BROUGHT INDIVIDUALLY AND NOT ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED BASIS. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS OR REPRESENTATIVE PROCEEDING.

• 17. Venue for Judicial Proceedings. In the event that the arbitration agreement is found not to apply to you or your claim, you agree that any judicial proceeding (other than small claims actions) shall be brought exclusively in the state or federal courts located in Wilmington, DE. You and Two Cents consent to venue and personal jurisdiction in those courts

• 18. Notices; Electronic Communications. We may provide notices by posting to the Service or sending in-app notifications. If you choose to provide an email address or enable push notifications, you consent to receive legal notices electronically.

• 19. Opt-Out Option. You may opt out of this arbitration agreement by sending written notice to team@twocents.money within thirty (30) days of your initial acceptance of these Terms of Service. Your notice must include your full name, address, and a clear statement that you wish to opt out of arbitration.

• 20. NOTICE FOR CALIFORNIA USERS. Under Cal. Civ. Code §1789.3, the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted at 400 R Street, Suite 1080, Sacramento, CA 95814, or (800) 952-5210.

Annex A - Boilerplate Terms

• 1. Privacy Policy. Please review our Privacy Policy. Our Privacy Policy also governs your use of the Services and contains information on how we collect, use and share your information.

• 2. Feedback. We appreciate feedback, comments, ideas, proposals and suggestions for improvements to the Services (“Feedback”). If you choose to submit Feedback, you agree that we are free to use it without any restriction or compensation to you.

• 3. Taxes. It is your responsibility to determine what, if any, taxes apply to your use of the Services, and to report and remit the correct tax to the appropriate tax authority. We are not responsible for determining whether taxes apply to your use of the Services, or for collecting, reporting, or remitting any taxes arising from such use. We encourage you to speak with your personal tax advisor regarding the tax implications of your use of the Service.

• 4. Changes to these Terms or the Services. We may update the Terms from time to time in our sole discretion. If we do, we’ll let you know by posting the updated Terms on the Platform or may also send other communications. It’s important that you review the Terms whenever we update them or you use the Services. If you continue to use the Services after we have posted updated Terms, then it means that you accept and agree to the changes. If you don’t agree to be bound by the changes, you may not use the Services anymore. Because our Services are evolving over time we may change or discontinue all or any part of the Services, at any time and without notice, at our sole discretion.

• 5. Rights.

  • a. By using the Platform, you grant us a worldwide, non-exclusive, sublicensable, royalty-free license to use, copy, modify, and display any content, including but not limited to text, materials, images, files, communications, comments, feedback, suggestions, ideas, concepts, questions, data, or otherwise, that you post on or through the Platform for our current and future business purposes, including to provide, promote, and improve the services. You represent and warrant that you have, or have obtained, all rights, licenses, consents, permissions, power and/or authority necessary to grant the rights granted herein for any material that you list, post, promote, or display on or through the Platform. You represent and warrant that such content does not contain material subject to copyright, trademark, publicity rights, or other intellectual property rights, unless you have necessary permission or are otherwise legally entitled to post the material and to grant us the license described above, and that the content does not violate any laws.
  • b. If you comply with these Terms, Two Cents grants to you a limited non-exclusive, non-transferable license, with no right to sublicense, to use the Services. Except as expressly permitted in these Terms, you may not (and may not allow a third party to): (i) copy, modify or create derivative works based on the Services; (ii) distribute, transfer, sublicense, lease, lend or rent the Services to any third party; (iii) reverse engineer, decompile or disassemble the Services (unless applicable law permits, despite this limitation); or (iv) make the functionality of the Services available to multiple users through any means. You may not (a) use the Services in any manner that could damage, disable, overburden, or impair the servers and other resources of the Platform, (b) interfere with any third party’s use of a Platform, or (c) to knowingly or intentionally cause any other user’s financial loss, emotional distress, or any other form of harm. You may not attempt to gain unauthorized access to any aspect of the Platform or to information for which you have not been granted access.
  • c. Two Cents and its licensors exclusively own all right, title and interest in and to the Services and its entire contents, features, and functionality, including all associated intellectual property rights. You acknowledge that the Services are protected by copyright, trademark, and other applicable laws. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services. Two Cents’ name and all related names, logos, product and service names, designs, and slogans (“Two Cents Branding”) are trademarks of Two Cents, its associates, or licensors (collectively, “Associates”). Except as otherwise set forth herein, you may not use any Two Cents Branding without the prior written permission of Two Cents. All other names, logos, product and service names, designs, and slogans on the Services are the trademarks of their respective owners. You may not use Two Cents’ trademarks, logos, or trade dress without our prior written permission, including in a way that suggests endorsement, sponsorship, or affiliation.
  • d. Aggregated/De-Identified Data. We may create and use aggregated or de-identified data derived from the Service (including connected-account data and usage data) for analytics, benchmarking, and to improve the Service. We will not attempt to re-identify de-identified data.

• 6. User Generated Content (“UGC”). You are solely responsible for UGC you post. UGC reflects only the author’s opinions and is not endorsed by Two Cents. You understand that other users may rely on UGC at their own risk. We may (but are not obligated to) review, remove, or restrict UGC that we believe violates these Terms or the law.

  • a. Visibility & Leaderboards. Certain features may display your net-worth-derived metrics, rankings, or badges in posts and leaderboards. You can manage whether and how such metrics are shown in your settings where available. If you choose to display metrics, you direct Two Cents to make those metrics visible to other users as described.
  • b. Positions/Compensation Disclosures. If you post about a security or asset in which you hold a position or for which you receive compensation or other benefits, you agree to make a clear and conspicuous disclosure in the post (e.g., “long,” “short,” or “paid promotion”).
  • c. License to Two Cents. As between you and Two Cents, you retain ownership of your UGC. You grant Two Cents a worldwide, sublicensable, royalty-free license to host, store, reproduce, display, perform, and create derivative works of your UGC solely to operate, provide, improve, and market the Services, including to display content in feeds, leaderboards, search results, emails, and notifications.
  • d. No Monitoring Duty. Two Cents does not guarantee the accuracy, completeness, or usefulness of any UGC and is not responsible for decisions made based on UGC.

• 7. Copyright Policy; DMCA Agent. We respect intellectual-property rights and will remove allegedly infringing material in accordance with the Digital Millennium Copyright Act (“DMCA”).

  • a. Notice of Alleged Infringement must include: (i) your physical/electronic signature; (ii) identification of the copyrighted work; (iii) identification of the material and its location; (iv) your contact information; (v) a statement of good-faith belief; and (vi) a statement that the information is accurate and, under penalty of perjury, that you are the copyright owner or authorized agent. We may notify the user and, where appropriate, implement a repeat-infringer policy.

• 8. General Prohibitions and Two Cents’ Enforcement Rights. In addition to any other prohibitions set forth in these Terms, you agree not to do, and not to allow a third party to do, any of the following:

  • a. Use, or allow a third party to use, the Services in a manner that: (i) infringes, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy; (ii) violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability; (iii) is fraudulent, false, misleading or deceptive; (iv) is defamatory, obscene, pornographic, vulgar or offensive; (v) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (vi) is violent or threatening or promotes violence or actions that are threatening to any person or entity; or (vii) promotes illegal or harmful activities or substances;
  • b. Use, display, mirror or frame the Services or any individual element within the Services, Two Cents’ name, any Two Cents trademark, logo or other proprietary information, or the layout and design of any page or form contained on a page, without Two Cents’ express written consent;
  • c. Access, tamper with, or use non-public areas of the Services, Two Cents’ computer systems, or the technical delivery systems of Two Cents’ providers;
  • d. Attempt to probe, scan or test the vulnerability of any Two Cents system or network or breach any security or authentication measures;
  • e. Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by Two Cents or any of Two Cents’ providers or any other third party (including another user) to protect the Services;
  • f. Attempt to access or search the Services or download content from the Services using any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by Two Cents or other generally available third-party web browsers;
  • g. Send any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters or other form of solicitation;
  • h. Use any meta tags or other hidden text or metadata utilizing a Two Cents trademark, logo, URL or product name without Two Cents’ express written consent;
  • i. Use the Services, or any portion thereof, for any commercial purpose or for the benefit of any third party or in any manner not permitted by these Terms;
  • j. Forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Services to send altered, deceptive or false source-identifying information;
  • k. Attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Services (unless applicable law permits, despite this limitation);
  • l. Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Services;
  • m. Collect or store any personally identifiable information from the Services from other users of the Services without their express permission;
  • n. Impersonate or misrepresent your affiliation with any person or entity;
  • o. Violate any applicable law or regulation; or
  • p. Encourage or enable any other individual to do any of the foregoing.
  • q. Data. In addition to existing prohibitions listed above, you agree not to: (i) post PII about others; (ii) scrape, crawl, or bulk-download content, leaderboards, or user profiles without written permission; (iii) game or attempt to manipulate leaderboards or rankings; (iv) evade account limits or verification; or (v) use bots to post or interact.

Two Cents is not obligated to monitor access to or use of the Services or to review or edit any content. However, we have the right to do so for the purpose of operating the Services, to ensure compliance with these Terms and to comply with applicable law or other legal requirements. We reserve the right, but are not obligated, to remove or disable access to any content at any time and without notice, including, but not limited to, if we, at our sole discretion, consider it objectionable or in violation of these Terms. We have the right to investigate violations of these Terms or conduct that affects the Services. We may also consult and cooperate with law enforcement authorities to prosecute users who violate the law.

• 9. Third-Party Services. We may contract with or link to third parties that provide portions of the Services, including data aggregation providers (for account connections), payment processors, cloud providers, analytics, content-moderation tools, and mobile app stores. Those services are governed by their own terms and privacy policies. Two Cents doesn’t control and isn’t responsible for any Third-Party Services, and your use of them is at your own risk. Two Cents isn’t liable for delays, outages, or data inaccuracies attributable to Third-Party Services.

• 10. Third-Party Content & Links. The Services may display or link to third-party content, services, or websites. Two Cents does not control or endorse such content or services and is not responsible for their availability, accuracy, or any losses arising from your use. Your use is at your own risk and may be subject to the third party’s terms.

• 11. Termination. We may suspend or terminate your access to and use of the Services, at our sole discretion, at any time and without notice to you. Provisions that, by their nature, should survive termination of these Terms shall survive termination. By way of example, all of the following will survive termination: any obligation you have to pay us or indemnify us, any limitations on our liability, any disclaimers, any terms regarding ownership or intellectual property rights, and terms regarding disputes between us.

• 12. Use of the Services in Your Jurisdiction. Two Cents makes no representations or warranties that use of the Services is appropriate for use in any jurisdiction. You use the Services at your own risk and are responsible for compliance with applicable laws.

• 13. General Terms.

  • a. These Terms constitute the entire and exclusive understanding and agreement between Two Cents and you regarding the Services, and these Terms supersede and replace all prior oral or written understandings or agreements between Two Cents and you regarding the Services. If any provision of these Terms is held invalid or unenforceable by an arbitrator or a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect. You may not assign or transfer these Terms, by operation of law or otherwise, without Two Cents’ prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null. Two Cents may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.
  • b. Notices or other communications provided by Two Cents under these Terms will be given (i) via email, or (ii) by posting to the Services. For notices made by email, the date of receipt will be deemed the date on which such notice is transmitted.
  • c. wo Cents’ failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Two Cents. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.
  • d. You acknowledge and agree that in entering into these Terms and using the Services you have not relied and are not relying on any representations, warranties or other statements whatsoever, whether written or oral (from or by us or any person acting on our behalf) other than those expressly set out in these Terms (or other related documents explicitly referred to herein) and that you do not have any right or remedy rising out of any representation, warranty or other statement not expressly set out in these Terms.

• 14. Contact Information. If you have any questions about these Terms or the Services, please contact Two Cents at team@twocents.money.