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(together with its affiliates and subsidiaries, “</span><span class="c1">Eco</span><span class="c7">”, “</span><span class="c1">we</span><span class="c7">”, “</span><span class="c1">us</span><span class="c7">” and “</span><span class="c1">our</span><span class="c7">”) governs your access and use of Eco’s products, services, technologies or other offerings, whether provided via </span><span class="c11 c7"><a class="c15" href="https://www.google.com/url?q=http://www.eco.com&sa=D&source=editors&ust=1671585097442017&usg=AOvVaw10iWYnRZC3QOhM1yfzg9IL">www.eco.com</a></span><span class="c7">, associated websites, or the Eco mobile app (the “</span><span class="c1">Eco Platform</span><span class="c4">”).</span></p><p class="c9"><span class="c4"></span></p><p class="c16"><span class="c7">By signing up for an account or otherwise using the Eco Platform, you agree that you have read, understood and agree to comply with the terms of this User Agreement. If you do not agree with anything contained in this User Agreement, please do not create an account, submit information to, access information from, or otherwise interact with the Eco Platform. In addition to this User Agreement, your use of the Eco Platform is also governed by our </span><span class="c11 c7"><a class="c15" href="https://www.google.com/url?q=https://www.eco.com/privacy-policy&sa=D&source=editors&ust=1671585097442590&usg=AOvVaw1VHwslrLGiPwKrL4yl_0Nl">Privacy Policy</a></span><span class="c7">, </span><span class="c11 c7"><a class="c15" href="https://www.google.com/url?q=https://www.eco.com/cookie-policy&sa=D&source=editors&ust=1671585097442769&usg=AOvVaw087evN8xr8FUfE5Bf_Km4W">Cookie Policy</a></span><span class="c7">, </span><span class="c11 c7"><a class="c15" href="https://www.google.com/url?q=https://www.eco.com/esign-consent&sa=D&source=editors&ust=1671585097442964&usg=AOvVaw0jL8rKneqf5ys_Ay_ws2Xc">E-Sign Consent</a></span><span class="c7">, Points Terms, and Beta Services Addendum and you acknowledge that you have read, understood and agree to comply with the terms of those policies. Please also refer to our Accessibility Statement for an overview of what</span><span class="c7 c17"> we have implemented to make our website accessible.</span></p><p class="c9"><span class="c4"></span></p><p class="c16"><span class="c7">The terms of this User Agreement include, in </span><span class="c1">Section 6</span><span class="c7">, </span><span class="c1">an agreement to resolve disputes by arbitration</span><span class="c7"> on an individual basis as well as a </span><span class="c1">class action waiver</span><span class="c4">.</span></p><p class="c9"><span class="c4"></span></p><p class="c16"><span class="c4">Note that we may update this User Agreement from time to time, and while we will typically notify you in the event of changes, it is your responsibility to review the User Agreement from time to time to see if it has been updated. Your continued use of the Eco Platform following any updates to this User Agreement constitutes your acceptance of the updated terms, unless we are required by law to get your affirmative consent.</span></p><p class="c16"><span class="c4">We may supplement this User Agreement with the following:</span></p><p class="c9"><span class="c4"></span></p><ul class="c2 lst-kix_tmmt5oy1jik6-0 start"><li class="c3 li-bullet-0"><span class="c1">Specific Terms Agreed to by You.</span><span class="c4"> If you qualify to participate in one or more Eco products or services, we may ask you to enter into one or more supplemental agreements with us. In that event, the terms contained in those agreements will supplement the below provisions relating to the collection, use, sharing, and securing of your information.</span></li></ul><p class="c9 c24"><span class="c4"></span></p><ul class="c2 lst-kix_tmmt5oy1jik6-0"><li class="c3 li-bullet-0"><span class="c1">Other Supplemental Notices. </span><span class="c4">Additionally, we may supplement this User Agreement with other supplemental notices posted on specific web pages within the Site or within the Eco mobile application. </span></li></ul><p class="c9 c24"><span class="c4"></span></p><ul class="c2 lst-kix_tmmt5oy1jik6-0"><li class="c3 li-bullet-0"><span class="c1">Partner Terms.</span><span class="c7"> Some of the services and features that you can access through the Eco Platform (“</span><span class="c1">Third Party Services</span><span class="c7">”) are offered directly by, or in partnership with, third parties (“</span><span class="c1">Third Party Providers</span><span class="c7">”). As part of accessing those Third Party Services you may be required to agree to additional terms and conditions directly with one or more Third Party Providers, and those terms shall govern your use of such Third Party Services (“</span><span class="c1">Third Party Terms</span><span class="c4">”).</span></li></ul><p class="c9 c24"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-0 start" start="1"><li class="c16 c18 li-bullet-0"><span class="c5 c1">ACCOUNT ELIGIBILITY & REGISTRATION</span></li></ol><ol class="c2 lst-kix_a5qt2nue1qug-1 start" start="1"><li class="c0 li-bullet-0"><span class="c1">Eligibility and Availability.</span><span class="c4"> Ongoing eligibility to use the Eco Platform in a specific state or territory is subject to the availability of our products and services in that state or territory. Certain elements of the Eco Platform are publicly accessible, such as the Eco website. However, to use certain features of the Eco Platform, you must be at least 18 years old and reside in the United States. Additionally, certain products and services may not be available within your specific state or territory. As we are able to expand the availability of the Eco Platform to additional jurisdictions, you may gain access to certain products and services that were not previously available. Conversely, we may cease offering certain products and services in a given jurisdiction from time to time. Our products and services are currently not available in New York, South Dakota, and Hawaii.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="2"><li class="c0 li-bullet-0"><span class="c1">Registration; Account Access. </span><span class="c7">To access many of the features of the Eco Platform, you must register for an account (an “</span><span class="c1">Account</span><span class="c4">”), which will require you to provide certain information to Eco including your name, email address, phone number, date of birth and other information that we may request. In creating an Account and submitting any information to Eco, you agree that all such information is accurate and that should any of the information change, you will notify us as soon as possible. You may only register for one Account under your name at a time, and only natural persons may register an Account. Eco reserves the right to close your Account for any reason at any time, including for violations of the terms of this User Agreement.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="3"><li class="c0 li-bullet-0"><span class="c1">Account Security</span><span class="c4">. In creating and maintaining your Account, you are responsible for creating a strong password and maintaining security and control of such password and any other login information. You also agree to take whatever other security measures available, such as two-factor authentication through your mobile phone number or mobile device. Failure to do so may result in an unauthorized third party gaining access to your Account, which could result in the loss of personal and financial data as well as loss of funds available within your Account or any linked bank account. Further, you agree to never share your login credentials with any other person, or allow anyone else to access your Account. </span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="4"><li class="c0 li-bullet-0"><span class="c1">Identity Verification. </span><span class="c4">In order to verify your identity and the accuracy of the information provided by you during Account registration we may require you to submit certain additional information or documentation, including, without limitation, a copy of an unexpired government issued photo identification card such as a driver’s license or passport. Further, you hereby authorize us, or a Third Party Provider that we designate, to take any steps necessary to further verify your identity. If we are unable to verify your Account information or we determine that the information provided by you is incorrect, we may be required to prevent you from creating an Account, close or suspend your existing Account, or take any other steps we determine to be necessary.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="5"><li class="c0 li-bullet-0"><span class="c1">Personal Use</span><span class="c4">. Your Account and your use of the Eco Platform and Eco Services (as defined below) are for your personal, non-commercial use only, and you may not use the same for any other purpose, including to sell a product or service.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-0" start="2"><li class="c16 c18 li-bullet-0"><span class="c5 c1">ECO SERVICES</span></li></ol><p class="c16 c24"><span class="c7">Eco operates the Eco Platform which allows you to create and maintain an Account, which, together with the Third Party Services, allows you to receive, hold, transfer, and spend supported fiat and virtual currencies in accordance with the terms of this User Agreement (the “</span><span class="c1">Eco Services</span><span class="c7">”). In addition, the Eco Platform allows you to be awarded, as well as to send and receive, Eco Points (as defined below), which currently have no monetary value and cannot be bought, sold, withdrawn off the Eco Platform, or redeemed, except as may be explicitly authorized or provided for by the Eco Platform. Eco reserves the right to close your Account or refund your Account balance at any time or for any reason, including for violations of the terms of this User Agreement. As used below, “</span><span class="c1">USDC</span><span class="c7">” refers to USD Coin, a virtual-currency “stablecoin” issued by Circle Internet Financial, LLC (“</span><span class="c1">Circle</span><span class="c7">”), designed to remain pegged in value to the U.S. Dollar and backed </span><span class="c7">by U.S.</span><span class="c7"> Dollar reserves. Circle is not affiliated with Eco. </span><span class="c1">For convenience and ease of reference, USDC may be referred to on the Eco Platform as “cash” or using the “$” symbol, but your account balance is denominated in USDC.</span></p><p class="c9"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="6"><li class="c0 li-bullet-0"><span class="c1 c10">Deposits. </span><span class="c7 c10">The Eco Platform allows you to link your bank account and complete deposits </span><span class="c7 c10">of U.S.</span><span class="c7 c10"> Dollars into your Account via automated clearing house (“</span><span class="c1 c10">ACH</span><span class="c7 c10">”) transfer. When you complete a “deposit” from your bank account into your Account, you are using Third Party Services to exchange your U.S. Dollars for USDC, which will then be credited to your Account balance (a “</span><span class="c1 c10">Deposit</span><span class="c7 c10">”). </span><span class="c7">Following a Deposit, your Account may not be credited for up to five (5) business days so that the transfer from your bank account has time to process. The name on any linked bank account you use for Deposits must match the name associated with your Account.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="7"><li class="c0 li-bullet-0"><span class="c1">Recurring Deposits. </span><span class="c7">You may initiate recurring Deposits into your Account, in which case you authorize us to initiate recurring electronic transactions in accordance with your selected amount, such as recurring ACH debit entries from your linked bank account or direct deposits from your payroll provider (“</span><span class="c1">Recurring Deposits</span><span class="c4">”). As with Deposits, when you complete a Recurring Deposit into your Account, you are using Third Party Services to exchange your U.S. Dollars for USDC, which will then be credited to your Account balance. Your recurring transactions will occur in identical, periodic installments, based on your period selection (e.g., daily, weekly, monthly), until either you or Eco cancels the recurring order. If you select a U.S. bank account as your payment method for a recurring transaction, and such transaction falls on a weekend or holiday, or after bank business hours, the ACH credit or debit will be executed on the next business day. If your bank is unable to process any electronic ACH debit entry, we will use commercially reasonable efforts to notify you of cancellation of the transaction and notify you of your options to try again or otherwise work with your bank.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="8"><li class="c0 li-bullet-0"><span class="c1">Paycheck Direct Deposit.</span><span class="c7"> You may complete a deposit into your Account that is funded directly from your paycheck issued by your payroll provider (“</span><span class="c1">Paycheck Direct Deposit</span><span class="c4">”), in which case you are using Third Party Services to exchange some or all of the U.S. Dollars from your paycheck for USDC, which will then be credited to your Account balance.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="9"><li class="c0 li-bullet-0"><span class="c1">Alternative Deposit Methods. </span><span class="c4">Eco may also support deposits via alternative methods such as wire transfer or virtual currency transfer in its sole discretion and in compliance with applicable laws and regulations. Where applicable, when you complete such deposits, you are using Third Party Services to exchange your U.S. Dollars for USDC, which will then be credited to your Account balance.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="10"><li class="c0 li-bullet-0"><span class="c1">Withdrawals.</span><span class="c7"> The Eco Platform allows you to link your bank account and complete withdrawals of USDC from your Account via ACH transfer or, in Eco’s sole discretion, through other transfer methods. When you complete a “withdrawal” from your Account to your bank account, you are using Third Party Services to exchange your USDC in your Account balance for U.S. Dollars, which will then be transferred to your linked bank account (a “</span><span class="c1">Withdrawal</span><span class="c7">”). Following a Withdrawal, your Account will immediately be debited for the amount of the Withdrawal, but your bank account may not be credited for up to five (5) business days so that the transfer to your bank account has time to process. Once Eco has initiated a Withdrawal following your instructions the timing of the availability in your bank account may be further delayed by your bank. The name on any linked bank account you use for Withdrawals must match the name associated with your Account.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="11"><li class="c0 li-bullet-0"><span class="c1">Transaction Processing.</span><span class="c7"> You cannot cancel, reverse, or change any Deposit, Recurring Deposit, Withdrawal, or Send Transfer (as defined below) (each, a “</span><span class="c1">Transaction</span><span class="c4">”) once submitted and marked as complete or pending. If your Transaction is not successful for any reason, if your payment method has insufficient funds, or if you reverse a payment made from funds in your bank account, you authorize Eco, in its sole discretion, either to cancel the Transaction or to debit your other payment methods, including your Account balance or other linked accounts, in any amount equal to the Transaction amount. You are responsible for maintaining an adequate balance and/or sufficient credit limits in order to avoid overdraft, non-sufficient funds, or similar fees charged by your bank account or payment provider. We reserve the right to refuse to process, or to cancel or reverse, any Transaction in our sole discretion, even after funds have been debited from your account(s), if we suspect the Transaction involves (or has a high risk of involvement in) money laundering, terrorist financing, fraud, or any other type of financial crime; in response to a subpoena, court order, or other government order; if we reasonably suspect that the Transaction is erroneous; or if we suspect the Transaction or your actions on the Eco Platform violate this User Agreement.</span></li></ol><p class="c9"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="12"><li class="c0 li-bullet-0"><span class="c1">Holding an Account Balance.</span><span class="c4"> The Eco Platform allows you to maintain an Account balance in USDC for the purpose of completing subsequent Transactions or Outside Transactions (as defined in Section 2.9 below) and earning Rewards (as defined in Section 3 below). Your USDC-denominated Account balance reflects a USDC balance held by you at a Third Party Provider using Third Party Services. The Eco Platform also allows you to maintain an Account balance in Eco Points, which currently have which have no monetary value and cannot be bought, sold, withdrawn off the Eco Platform, or redeemed, except as explicitly may be authorized or provided for by the Eco Platform, but may be sent or received in a Send Transfer.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="13"><li class="c0 li-bullet-0"><span class="c1">Banking Services.</span><span class="c7"> Certain banking services associated with the Eco Platform are provided by Piermont Bank, Member FDIC (“</span><span class="c1">Banking Partner</span><span class="c4">”). Certain transactions will be processed through an FBO account we hold at Piermont Bank for the benefit of our customers or users. We will provide you with a monthly summary statement that describes your transactions.</span></li></ol><p class="c9"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="14"><li class="c0 li-bullet-0"><span class="c1">Outside Spending.</span><span class="c7"> The Eco Platform allows you to spend your USDC Account balance to purchase goods and services from, or to otherwise pay, third parties (an “</span><span class="c1">Outside Transaction</span><span class="c7">”) through Third Party Services. The particular Outside Transactions you may engage in may be updated from time to time. When you spend your USDC Account balance to make an Outside Transaction such as a Gift Card Transaction, Card Transaction, or Bill Pay Transaction (as defined below), you are using Third Party Services to cause the USDC in your Account balance to be debited and for an equivalent value </span><span class="c7">in U.S.</span><span class="c4"> Dollars to be used to pay the payee of the Outside Transaction. Outside Transactions are not reversible by Eco, and if you have any issues resulting from such a Transaction or from the goods and services you purchased, you must resolve such issues directly with the applicable payee or Third Party Provider responsible for providing the Third Party Services that enable the particular Outside Transaction.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-2 start" start="1"><li class="c12 li-bullet-0"><span class="c1">Gift Card Purchases. </span><span class="c7">The Eco Platform allows you to spend your USDC Account balance by purchasing gift cards from a Third Party Provider for supported merchants (a “</span><span class="c1">Gift Card Transaction</span><span class="c4">”).</span></li></ol><p class="c9"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-2" start="2"><li class="c12 li-bullet-0"><span class="c1">Eco Card.</span><span class="c7"> The Eco Platform allows you to request and use an Eco Card, a prepaid Mastercard® (including one or more virtual cards) which allows you to spend your USDC Account balance everywhere Mastercard® is accepted (a “</span><span class="c1">Card Transaction</span><span class="c4">”). A hold for the value of the Card Transaction will be placed on your Account balance until the Transaction is settled, which in exceptional cases may be as long as 30 days. In addition to this User Agreement, your use of the Eco Card and related services is governed by the Eco Cardholder Agreement, which is provided to you when you request an Eco Card and which you are required to accept as a condition of using the Eco Card.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-2" start="3"><li class="c12 li-bullet-0"><span class="c1">Bill Pay. </span><span class="c7">The Eco Platform allows you to spend your USDC Account balance to use a Third Party Provider to pay bills from participating payees (a “</span><span class="c1">Bill Pay Transaction</span><span class="c4">”). A spending hold for the value of the Bill Pay Transaction will be placed on your Account balance until the Transaction is settled, which in exceptional cases may be as long as 30 days.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="15"><li class="c0 li-bullet-0"><span class="c1">Sending and Receiving USDC and Eco Points. </span><span class="c7">The Eco Platform allows you to send USDC and Eco Points (as defined below) from your Account balance to other Users as well as to receive USDC and Eco Points to your Account balance from other Users (a “</span><span class="c1">Send Transfer</span><span class="c4">”). As stated above, your Account is for your personal, non-commercial use only, and you may not use the Account for any other purpose, including to sell products or services. YOU SHOULD ONLY SEND SEND TRANSFERS TO PEOPLE YOU KNOW AND TRUST. </span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-2" start="4"><li class="c12 li-bullet-0"><span class="c1">USDC Transfers.</span><span class="c4"> When you send or receive USDC as a Send Transfer, you are using Third Party Services (as defined below) to send or receive USDC from your Account balance. For convenience and ease of reference, Send Transfers of USDC may be referred to on the Eco Platform as “cash” or use the “$” symbol, but all such transfers are made in USDC.</span></li></ol><p class="c9 c21"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-2" start="5"><li class="c12 li-bullet-0"><span class="c1">Eco Points Transfers.</span><span class="c4"> Send Transfers of Eco Points are beta services subject to the Beta Services Addendum, and are solely for experimental, personal, non-commercial use. Eco Points currently have no monetary value and cannot be bought, sold, withdrawn off the Eco Platform, or redeemed, except as may be explicitly authorized or provided for by the Eco Platform. Please refer to Section 3.3 for additional information on Eco Points.</span></li></ol><p class="c9 c21"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-2" start="6"><li class="c12 li-bullet-0"><span class="c1">Search.</span><span class="c4"> You can search for someone you want to do a Send Transfer with using their email address, mobile number, or Eco Platform username. If they don’t have an Account, you can send them an invite to create one. You are not able to do Send Transfers with non-Users of the Eco Platform. Other Users can also search for you using your email address, mobile number, or Eco Platform username.</span></li></ol><p class="c9 c21"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-2" start="7"><li class="c12 li-bullet-0"><span class="c1">Fees. </span><span class="c4">At this time, there are no fees for Send Transfers of any type, although fees may be charged by us or Third Party Providers (as defined below) in the future.</span></li></ol><p class="c9 c21"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-2" start="8"><li class="c12 li-bullet-0"><span class="c1">Limitations.</span><span class="c4"> In our sole discretion and without prior notice, we may impose and alter limits on the amount and/or the number of Send Transfers you can send and receive, as well as the types of Send Transfers you may make. We may also temporarily or permanently suspend Send Transfers of any type from the Eco Platform in our sole discretion and without prior notice.</span></li></ol><p class="c9 c21"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-2" start="9"><li class="c12 li-bullet-0"><span class="c1">Irreversibility and Other Risks.</span><span class="c7"> You cannot cancel, reverse, or change any Send Transfer once submitted and marked as complete or pending. YOU ASSUME ALL RISKS AND ALL COSTS ASSOCIATED WITH YOUR USE OF SEND TRANSFERS, INCLUDING COMPLIANCE WITH ANY AND ALL APPLICABLE LAWS AND REGULATIONS. TO THE EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO SEND TRANSFERS. Please contact us at </span><span class="c11 c7"><a class="c15" href="mailto:[email protected]">[email protected]</a></span><span class="c7"> if you have any questions regarding a Send Transfer you made or received.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="16"><li class="c0 li-bullet-0"><span class="c1">Third Party Services. </span><span class="c4">When you complete a Deposit, Recurring Deposit, Paycheck Direct Deposit, Withdrawal, or Outside Transaction, or hold a USDC balance in your Account on the Eco Platform or engage in a Send Transfer of USDC, such activities are Third Party Services provided by a Third Party Provider. Other than as explicitly set forth in this User Agreement, all such activities relating to your Account are governed by the applicable Third Party Terms that you have agreed to with such Third Party Provider. Once any Transaction or Outside Transaction has been successfully processed and deposited or withdrawn from your Account, Eco shall bear no further liability for such funds or for any activity related to such funds or your Account.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="17"><li class="c0 li-bullet-0"><span class="c1">Availability of Third Party Services.</span><span class="c4"> We reserve the right to change, suspend, or discontinue the availability of any Third Party Services on the Eco Platform at any time, including hours of operation or availability of any feature, without notice and without liability.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="18"><li class="c0 li-bullet-0"><span class="c1">Changes to Eco Services.</span><span class="c4"> We reserve the right to change, suspend, or discontinue any aspect of the Eco Services at any time, including hours of operation or availability of any feature, without notice and without liability. Suspension of your use of any of the Eco Services will not affect your rights and obligations pursuant to this Agreement.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-0" start="3"><li class="c16 c18 li-bullet-0"><span class="c1">USER REWARDS</span></li></ol><ol class="c2 lst-kix_a5qt2nue1qug-1 start" start="1"><li class="c0 li-bullet-0"><span class="c1">Rewards. </span><span class="c7"> You may receive rewards based on the balance held in your Account (“</span><span class="c1">Balance Rewards</span><span class="c7">”), calculated using an annual percentage rate (“</span><span class="c1">Applicable Balance Rewards Rate</span><span class="c4">”). </span></li></ol><p class="c6"><span class="c4"></span></p><p class="c14"><span class="c4">The current Applicable Balance Rewards Rate for Balance Rewards will be displayed in your Account or otherwise on the Eco Platform. The Applicable Balance Rewards Rate may be increased or decreased based on the amount held in your Account, your activity on the Platform or otherwise, as determined in Eco’s sole discretion. Balance Rewards will typically be paid out within the first five (5) business days following the end of each calendar month. Eco reserves the right to change the Applicable Balance Rewards Rate or discontinue the Balance Rewards program entirely at any time without advance notice.</span></p><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="2"><li class="c0 li-bullet-0"><span class="c1">Cash Back Rewards. </span><span class="c7">Eco may, from time to time, pay you rewards in connection with completing transactions through the Eco Platform with certain supported merchants and for certain other activities that Eco, in its sole discretion, may determine are eligible for such rewards (“</span><span class="c1">Cash Back Rewards</span><span class="c7">”). These Cash Back Rewards will typically be calculated as a percentage of your spending activity, which may vary based on the size of such transaction, the specific merchant, or any other factor determined by Eco (the “</span><span class="c1">Applicable Cash Back Rewards Rate</span><span class="c4">”).</span></li></ol><p class="c6"><span class="c4"></span></p><p class="c14"><span class="c4">The Applicable Cash Back Rewards Rate for Cash Back Rewards on the balance in your Account will be displayed in your Account or otherwise on the Eco Platform. Cash Back Rewards will typically be paid out within the first five (5) business days following the end of each calendar month.</span></p><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="3"><li class="c0 li-bullet-0"><span class="c1">Eco Points.</span><span class="c7"> Eco currently rewards users with “</span><span class="c1">Eco Points</span><span class="c4">” in connection with maintaining a balance in your Account, completing transactions with supported merchants using the Eco Platform, and certain other activities. Eco Points are also governed by our Points Terms. Eco Points currently have no monetary value and cannot be bought, sold, withdrawn off the Eco Platform, or redeemed, except as may be explicitly authorized or provided for by the Eco Platform. Eco Points may be sent and received through Send Transfers. Eco reserves the right, in its sole discretion, to supplement, exchange or replace Eco Points in the future, and the calculation and conversion of any resulting replacement will be determined in Eco’s sole discretion. Because Eco Points have no monetary value and cannot be bought, sold, withdrawn off the Eco Platform, or redeemed, except as may be explicitly authorized or provided for by the Eco Platform, they are subject to permanent forfeiture in the event your Account is closed.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="4"><li class="c0 li-bullet-0"><span class="c1">Referral Bonuses.</span><span class="c7"> Referring new users to the Eco Platform may result in you earning a higher Applicable Balance Rewards Rate, Applicable Cash Back Rewards Rate, Applicable Points Rewards Rate, or other rewards, benefits or access to features, as determined in Eco’s sole discretion (each, a “</span><span class="c1">Referral Bonus</span><span class="c4">”). You will only be eligible for such Referral Bonus, if: (i) the referred individual is able to successfully open an Account, (ii) the referred individual does not currently, and has not previously, maintained an Account, and (iii) we are able to verify, in our sole discretion, that you actually referred such individual through use of a personalized referral link, code or otherwise. Eco may make certain Referral Bonuses contingent on you and/or your referred customer completing additional actions such as linking a bank account, successfully completing a deposit, successfully completing a transaction, maintaining an Account (or Account balance) for some period of time, or any other requirements that Eco determines and communicates to you. The specific nature of any Referral Bonus will be communicated to you on the Eco Platform and may be subject to limits and changes.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="5"><li class="c0 li-bullet-0"><span class="c1">Other Rewards. </span><span class="c7">Eco may, from time to time, in its sole discretion offer additional rewards or incentives for Eco users in connection with your use of the Eco Platform or any Eco Services or Third Party Services (“</span><span class="c1">Other Rewards</span><span class="c4">”). These Other Rewards may have additional eligibility requirements to be determined in Eco’s sole discretion, provided that Eco will typically inform you of the eligibility criteria for such Other Rewards.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="6"><li class="c0 li-bullet-0"><span class="c1">Calculation of Rewards.</span><span class="c7"> All calculations of Balance Rewards, Cash Back Rewards. Eco Points, and Other Rewards (collectively, “</span><span class="c1">Rewards</span><span class="c7">”) shall be handled by Eco and such calculations shall be the sole and exclusive method of calculating such Rewards. You shall have no claim against Eco related to the delivery or calculation of Rewards. If Eco determines that you have received any Rewards in error, or that you have otherwise violated this User Agreement, Eco reserves the right to rescind any Rewards paid to you. If you believe that Eco has miscalculated any Rewards, please contact </span><span class="c11 c7"><a class="c15" href="mailto:[email protected]">[email protected]</a></span><span class="c4">.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="7"><li class="c0 li-bullet-0"><span class="c1">Changes to Rewards. </span><span class="c4">Eco reserves the right to modify, suspend or discontinue any Rewards, including changes to your Applicable RewardsRate, Applicable Rewards Rate, or Applicable Points Rewards Rate at any time in our sole discretion. If you are not happy with any changes to the Rewards offered by Eco, your sole recourse is to stop using the Eco Platform. </span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-0" start="4"><li class="c16 c18 li-bullet-0"><span class="c1">DISCLOSURES, RISKS & LIABILITY</span></li></ol><ol class="c2 lst-kix_a5qt2nue1qug-1 start" start="1"><li class="c0 li-bullet-0"><span class="c1">User Error.</span><span class="c4"> You are solely responsible to ensure that all information and instructions provided to Eco are correct and complete. Eco will not be liable for any transactions which have been conducted in accordance with instructions provided by you, regardless of whether such instructions include incorrect, incomplete, limited or no identifying information related to a transfer. Where Eco attempts a transfer in accordance with your instruction and such transaction fails, Eco will notify you of the failed transaction attempt. </span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="2"><li class="c0 li-bullet-0"><span class="c1">Third Party Services.</span><span class="c4"> Some of the services available to you on the Eco Platform are Third Party Services provided directly to you by Third Party Providers. Any use of such Third Party Services, as well as any claims or issues related to such Third Party Services, are governed by the terms and conditions that you agree to with such Third Party Providers in connection with accessing such Third Party Services.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="3"><li class="c0 li-bullet-0"><span class="c1">USDC and Price Stability.</span><span class="c4"> Account balances held on the Eco Platform through Eco directly or Third Party Services are held in USDC. While USDC is a “stablecoin” designed to remain pegged in value to the U.S. Dollar, and backed by U.S. Dollar reserves, Eco does not control the issuance, redemption, or backing of USDC and cannot guarantee that 1 USDC will always be exchangeable for 1 U.S. Dollar. USDC is issued by Circle, which is not affiliated with Eco. </span></li></ol><p class="c9"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="4"><li class="c0 li-bullet-0"><span class="c1">Not a Bank.</span><span class="c4"> Eco is not a bank or otherwise licensed as a financial institution. Eco is a financial technology company that partners with Third Party Providers to allow you to access certain licensed Third Party Services.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="5"><li class="c0 li-bullet-0"><span class="c1 c10">No Insurance.</span><span class="c4 c10"> Deposits held on the Eco Platform are not insured by the Federal Deposit Insurance Corporation (FDIC), Securities Investor Protection Corporation (SIPC), or any other governmental or private deposit insurance scheme or program. </span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="6"><li class="c0 li-bullet-0"><span class="c1">Risk of Loss.</span><span class="c7"> When you hold a balance in your Account, the applicable funds are held by a Third Party Provider. If </span><span class="c7">such Third</span><span class="c4"> Party Provider suffers a security breach or other loss, you may suffer a loss of some or all of your Account balance.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="7"><li class="c0 li-bullet-0"><span class="c1">General Risks.</span><span class="c4"> Your use of the Service is entirely at your own risk. Eco is not in the business of providing legal, tax, financial, accounting, employment, or other professional services or advice. You should consult a professional if you need such assistance. </span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="8"><li class="c0 li-bullet-0"><span class="c1">No Warranty.</span><span class="c4"> The Service is provided "AS IS" and on an "AS AVAILABLE" basis. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ECO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, DATA LOSS, NONINFRINGEMENT, OR THE ACCURACY, RELIABILITY, QUALITY OF ANY INFORMATION OR CONTENT IN OR LINKED TO THE SERVICE. ECO DOES NOT WARRANT THAT THE SERVICE WILL BE COMPLETELY SECURE, FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, THEFT OR DESTRUCTION. ECO DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF THE ECO PLATFORM, AND OPERATION OF THE ECO PLATFORM MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. ECO WILL MAKE REASONABLE EFFORTS TO ENSURE THAT INSTRUCTIONS ARE EXECUTED IN A TIMELY MANNER BUT ECO MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE AMOUNT OF TIME NEEDED TO COMPLETE FIAT OR DIGITAL CURRENCY OR ECO POINTS PROCESSING BECAUSE THE ECO PLATFORM IS DEPENDENT UPON MANY FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE. If the exclusions for any implied warranties do not apply to you, any implied warranties are limited to sixty (60) days from the date of delivery of the Service.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-0" start="5"><li class="c16 c18 li-bullet-0"><span class="c5 c1">AUTHORIZED USE</span></li></ol><ol class="c2 lst-kix_a5qt2nue1qug-1 start" start="1"><li class="c0 li-bullet-0"><span class="c1">General.</span><span class="c4"> Your access to and use of the Eco Platform is subject to all applicable international, federal, state and local laws, regulations and privacy policies and you agree not to use the Eco Platform in any way that violates such laws or regulations. </span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="2"><li class="c0 li-bullet-0"><span class="c1">Restricted Activities. </span><span class="c4">In connection with your use of the Eco Platform, you agree that you will not:</span></li></ol><ol class="c2 lst-kix_a5qt2nue1qug-2 start" start="1"><li class="c12 li-bullet-0"><span class="c4">Violate (or assist another in violating) any applicable law, statute, ordinance or regulation;</span></li><li class="c12 li-bullet-0"><span class="c4">Defraud (or assist another in defrauding) Eco or any other Eco users;</span></li><li class="c12 li-bullet-0"><span class="c4">Provide false, misleading or inaccurate information;</span></li><li class="c12 li-bullet-0"><span class="c4">Transmit or upload any virus, worm, or other malicious code, software, or program;</span></li><li class="c12 li-bullet-0"><span class="c4">Attempt to gain unauthorized access to other Accounts, the Eco website, the Eco Platform, or any related networks or services;</span></li><li class="c12 li-bullet-0"><span class="c4">Use the Eco Services or Eco Platform on behalf of any third party; or</span></li><li class="c12 li-bullet-0"><span class="c4">Decompile, disassemble or reverse engineer the Eco Platform or any of its components or source code, or modify, tamper, create derivative works, or otherwise incorporate the Eco Platform in other programs without our consent.</span></li></ol><p class="c9 c25"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="3"><li class="c0 li-bullet-0"><span class="c1">Prohibited Transactions.</span><span class="c4"> You agree not to use the Eco Platform for any transactions involving:</span></li></ol><ol class="c2 lst-kix_a5qt2nue1qug-2 start" start="1"><li class="c12 li-bullet-0"><span class="c4">any persons or jurisdictions contained on any sanctions lists maintained by the U.S. Treasury Department’s Office of Foreign Asset Control, the U.S. Commerce Department, the U.S. Department of State, or any other similar government authorities or agencies;</span></li><li class="c12 li-bullet-0"><span class="c4">weapons of any kind, including firearms, ammunition, knives or explosives;</span></li><li class="c12 li-bullet-0"><span class="c4">controlled substances, including, but not limited to, narcotics, prescription drugs, steroids, or related paraphernalia;</span></li><li class="c12 li-bullet-0"><span class="c4">gambling activities;</span></li><li class="c12 li-bullet-0"><span class="c4">money-laundering or terrorist financing;</span></li><li class="c12 li-bullet-0"><span class="c7">ponzi</span><span class="c4">, pyramid, multi-level marketing, or other “get rich quick” schemes;</span></li><li class="c12 li-bullet-0"><span class="c4">annuities, lotteries, or lay-away systems;</span></li><li class="c12 li-bullet-0"><span class="c4">counterfeit goods, including, but not limited to, fake or “novelty” photo IDs;</span></li><li class="c12 li-bullet-0"><span class="c4">goods or services that are otherwise illegal or prohibited by federal, state, or local law; or</span></li><li class="c12 li-bullet-0"><span class="c4">any other matters, goods, or services from time to time we communicate to you as unacceptable to us or our financial and banking partners.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-0" start="6"><li class="c16 c18 li-bullet-0"><span class="c5 c1">DISPUTE RESOLUTION; AGREEMENT TO ARBITRATE</span></li></ol><ol class="c2 lst-kix_a5qt2nue1qug-1 start" start="1"><li class="c0 li-bullet-0"><span class="c1">Complaint Process.</span><span class="c7"> If you have a complaint or dispute with Eco (a “</span><span class="c1">Complaint</span><span class="c7">”), you agree to first contact Eco at </span><span class="c11 c7"><a class="c15" href="mailto:[email protected]">[email protected]</a></span><span class="c7"> so that we may attempt to resolve your Complaint. If we are unable to resolve your Complaint through customer support within 15 business days or, as provided below, through small claims court, your and Eco’s sole and exclusive remedy for any Complaint, dispute, controversy or claim, whether founded in contract, tort, statutory or common law, concerning or arising out of this User Agreement or your use of the Eco Platform, including the applicability, scope or validity of this Section 6 (a “</span><span class="c1">Claim</span><span class="c7">”), shall be pursuant to the binding arbitration provisions below. This Section 6 shall be referred to as the “</span><span class="c1">Agreement to Arbitrate</span><span class="c4">.”</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="2"><li class="c0 li-bullet-0"><span class="c1">Nature of Arbitration. </span><span class="c4">Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, and court review of an arbitration award is very limited. However, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. All issues are for the arbitrator to decide, including issues relating to arbitrability, the scope or enforceability of the agreement to arbitrate, and issues that the Agreement to Arbitrate indicates that a court can resolve.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="3"><li class="c0 li-bullet-0"><span class="c1">Scope of Arbitration.</span><span class="c4"> You and Eco agree that all Claims will be resolved exclusively by individual (not class or classwide) binding arbitration with a single neutral arbitrator who has the power to award the same individual damages and individual relief that a court can award. Notwithstanding the foregoing, you and Eco each may: (i) bring an individual action in small claims court, and (ii) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents or other intellectual property rights.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="4"><li class="c0 li-bullet-0"><span class="c5 c1">Arbitration Procedures.</span></li></ol><ol class="c2 lst-kix_a5qt2nue1qug-2 start" start="1"><li class="c12 li-bullet-0"><span class="c7">The arbitration shall be administered by the American Arbitration Association (“</span><span class="c1">AAA</span><span class="c7">”) in accordance with the then- current Consumer Arbitration Rules, including the Procedures for the Resolution of Disputes through Document Submission (the “</span><span class="c1">AAA Rules</span><span class="c7">”), as may be modified by this Agreement to Arbitrate. The AAA Rules are available at </span><span class="c11 c7"><a class="c15" href="https://www.google.com/url?q=http://www.adr.org&sa=D&source=editors&ust=1671585097458573&usg=AOvVaw0sNk72sbG43kO9i_BdIHJA">www.adr.org</a></span><span class="c4">. In the event the AAA is unavailable or unwilling to administer the arbitration consistent with this Agreement to Arbitrate, another administrator will be selected by the parties or by a court.</span></li><li class="c12 li-bullet-0"><span class="c4">The arbitrator shall be a practicing attorney or retired judge having experience with and knowledge of online commerce law and, to the extent possible, laws governing digital assets.</span></li><li class="c12 li-bullet-0"><span class="c4">Any arbitration hearings shall be held in the county in which you reside or at another mutually-agreed location. If the value of the relief sought is $25,000 or less, the arbitration will be conducted based solely on written submissions pursuant to the AAA Rules, unless you or Eco request otherwise pursuant to the AAA Rules.</span></li><li class="c12 li-bullet-0"><span class="c4">The arbitrator shall decide the substance of all Claims in accordance with applicable law. The arbitrator shall be responsible for determining all threshold arbitrability issues, including issues relating to whether this User Agreement (including the Agreement to Arbitrate) or any other terms of use applicable to the Eco Platform are enforceable, unconscionable, or illusory, as well as any defense to arbitration, including waiver, delay, laches, or estoppel. The award of the arbitrator shall be final and binding, and a judgment on the award may be entered by any court having jurisdiction. The parties agree and acknowledge that this agreement evidences a transaction involving interstate commerce and that the Federal Arbitration Act (Title 9 of the United States Code) shall govern the interpretation, enforcement, and proceedings pursuant to the Agreement to Arbitrate in this User Agreement.</span></li></ol><p class="c9 c21"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="5"><li class="c0 li-bullet-0"><span class="c1">Costs of Arbitration</span><span class="c7">. Payment of all AAA or arbitrator fees will be governed by the AAA Rules. In accordance with the AAA Rules, the party initiating the arbitration (either you or Eco) is responsible for paying the applicable filing fee. If the value of the relief you seek for a Claim is more than $10,000 and you are able to demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, Eco will pay as much of the AAA or arbitrator fees as the arbitrator deems necessary to prevent the cost of accessing the arbitration from being prohibitive. Each party shall be responsible for paying its own attorneys’ fees; provided, however, that in the event the arbitrator determines that either the substance of your or Eco’s claim or the relief sought was frivolous or brought for an improper purpose, then you or Eco may seek to recover from you or Eco any fees it paid, including reasonable attorneys’ fees, to the extent permitted by the AAA Rules and applicable law.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="6"><li class="c0 li-bullet-0"><span class="c1">Class Action and Jury Trial Waiver.</span><span class="c7"> TO THE EXTENT PERMISSIBLE BY LAW, YOU AND ECO EACH AGREE THAT ALL CLAIMS MUST BE BROUGHT IN A PARTY’S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING (COLLECTIVELY “</span><span class="c1">CLASS ACTION WAIVER</span><span class="c4">”). UNLESS BOTH YOU AND ECO AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS OR ENGAGE IN ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS ARBITRATION. IN ADDITION, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S). YOU ACKNOWLEDGE THAT, BY AGREEING TO THESE TERMS, YOU AND ECO ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION. IF THE CLASS ACTION WAIVER IS HELD TO BE UNENFORCEABLE WITH RESPECT TO A CLAIM, THEN THIS AGREEMENT TO ARBITRATE SHALL NOT APPLY TO THAT CLAIM.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="7"><li class="c0 li-bullet-0"><span class="c1">Severability. </span><span class="c4">With the exception of the Class Action Waiver above, if any provision of this Agreement to Arbitrate is found unenforceable, the unenforceable provision will be severed, and the remaining terms will be enforced.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="8"><li class="c0 li-bullet-0"><span class="c1">Opt-Out Procedure.</span><span class="c7"> You may opt out from this Agreement to Arbitrate, in which case only a court may be used to resolve any claim, by mailing Eco a written opt-out notice within thirty (30) days after you accept the User Agreement, or for existing customers to agree to the Agreement to Arbitrate as a terms update, within thirty (30) days of agreeing to such updated terms. The opt-out notice must be mailed to Eco, Inc., Attn: Agreement to Arbitrate, 2261 Market Street, #4348, San Francisco, CA 94114 or to </span><span class="c7 c11"><a class="c15" href="mailto:[email protected]">[email protected]</a></span><span class="c4"> with subject “Agreement to Arbitrate.” Any arbitration notice relating to a Claim may be delivered to the same addresses.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-0" start="7"><li class="c16 c18 li-bullet-0"><span class="c5 c1">LIMITATION OF LIABILITY; INDEMNIFICATION</span></li></ol><ol class="c2 lst-kix_a5qt2nue1qug-1 start" start="1"><li class="c0 li-bullet-0"><span class="c1">Limitation of Liability.</span><span class="c4"> Eco and its affiliates, agents, officers, and employees will not be liable to you under any theory of liability—whether based in contract, tort, negligence, strict liability, warranty, or otherwise—for any indirect, consequential, exemplary, incidental, punitive or special damages or lost profits, even if Eco has been advised of the possibility of such damages. The total liability of Eco for any claim arising out of or relating to this User Agreement or your use of the Eco Platform, regardless of the form of the action, is limited to the amount paid, if any, by you to access or use the Eco Platform.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="2"><li class="c0 li-bullet-0"><span class="c1">Indemnification.</span><span class="c7"> You agree to indemnify, defend and hold Eco and its agents, contractors, services providers and affiliates (“</span><span class="c1">Indemnified Parties</span><span class="c4">”), harmless against all liabilities, claims, demands, damages, losses, fines, judgments, disputes, costs, charges and expenses (including, without limitation, reasonable attorneys' fees incurred in connection with such claims) made by you or others resulting from, arising out of or related to (i) any breach or alleged breach of this User Agreement or any related policies such as our Privacy Policy, (ii) your violation of any law, regulation, order or the rights of a third party, (iii) Eco's or any other Indemnified Party's reliance on Account information, transaction instructions, or other information and data furnished by you or (iii) information and data resulting from activities that Eco or any other Indemnified Party undertakes at your request, or at the request of anyone Eco or any other Indemnified Party believes in good faith to be your authorized agent, in providing the Services on the Eco Platform.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="3"><li class="c0 li-bullet-0"><span class="c1">Third Party Websites and Services.</span><span class="c7"> The Eco Platform relies in whole or partly, on Third Party Services and third party software and the continued development and support of third parties’ use of the Eco Platform may be made conditional upon consenting to the terms and conditions of technology or functionality provided by such Third Party Providers or others. There is no assurance or guarantee that those third parties will maintain their support of their software, which might have a material adverse effect on the Eco Platform. The Eco Platform may contain links to third party vendors, websites, resources and services (“</span><span class="c1">Third Party Material</span><span class="c4">”) not controlled by us. You acknowledge and agree that Eco is not responsible or liable for (i) availability or accuracy of such Third Party Material, or (ii) the content, products or services on or available from such Third Party Material. You acknowledge sole responsibility for and assume all risk arising from your use of any such Third Party Material.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-0" start="8"><li class="c16 c18 li-bullet-0"><span class="c5 c1">GENERAL TERMS</span></li></ol><ol class="c2 lst-kix_a5qt2nue1qug-1 start" start="1"><li class="c0 li-bullet-0"><span class="c1">Entire Agreement.</span><span class="c4"> This User Agreement, together with the Privacy Policy, Cookie Policy, E-Sign Consent, and any other terms and conditions or policies agreed to by you during the life of your Account, constitutes the entire agreement between Eco and you regarding the Eco Platform and replaces all prior understandings, communications and agreements, oral or written, regarding its subject matter. </span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="2"><li class="c0 li-bullet-0"><span class="c1">Severability. </span><span class="c7">If any court of law, having the jurisdiction, rules that any part of this User Agreement is invalid, that section will be removed without affecting the remainder of the Agreement. The remaining terms will be valid and enforceable.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="3"><li class="c0 li-bullet-0"><span class="c1">Termination; Amendment.</span><span class="c4"> We may terminate this User Agreement, or suspend or terminate your Account or your access to any Eco Service, at any time for any reason. We may add or remove, suspend, stop, delete, discontinue or impose conditions on Eco Services or any feature or aspect of an Eco Service. We will take reasonable steps to notify you of termination or these other types of Eco Service changes by email or at the next time you attempt to access your Account. </span></li></ol><p class="c6"><span class="c4"></span></p><p class="c14"><span class="c7">You may also terminate the User Agreement applicable to your Account by deactivating your Account at any time. If this User Agreement is terminated or suspended for any reason: (a) the license and any other rights granted under this User Agreement will end, (b) you agree to immediately terminate and cease use of the Eco Platform and all Eco Services, (c) we may (but have no obligation to) delete your information and account data stored on our servers, and (c) we will not be liable to you or any third party for compensation, reimbursement, or damages for any termination or suspension of the Eco Services, or for deletion of your information or account data. The following sections of this User Agreement shall survive and remain in effect in accordance with their terms upon termination: 4 (Disclosures, Risks & Liability), 6 (Dispute Resolution), 7 (Limitation of Liability; Indemnification), and 8 (General Terms).</span></p><p class="c6"><span class="c1 c5"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="4"><li class="c0 li-bullet-0"><span class="c1">Assignment.</span><span class="c7"> This User Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you and any attempted transfer or assignment will be null and void.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="5"><li class="c0 li-bullet-0"><span class="c1">Change of Control.</span><span class="c4"> In the event that Eco is acquired by or merged with a third party entity, we reserve the right, in any of these circumstances, to transfer or assign your Account and the information we have collected from you as part of such merger, acquisition, sale, or other change of control.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="6"><li class="c0 li-bullet-0"><span class="c1">Intellectual Property. </span><span class="c7">Eco owns all worldwide right, title and interest in and to the Eco Platform and the Eco Services, any updates or modifications made to or in relation to the Eco Platform or Eco Services, and any and all feedback, comments or suggestions of any kind regarding problems with or proposed modifications or improvements to the Eco Services (“</span><span class="c1">Feedback</span><span class="c7">”), received directly or indirectly from any user, partner or other third party to the maximum extent permitted by applicable law (“</span><span class="c1">Eco IP</span><span class="c4">”). This User Agreement does not convey any proprietary interest in or to any Eco IP or rights of entitlement to the use thereof except as expressly set forth herein. You acknowledge and agree that the fees paid pursuant to this User Agreement apply only to the use of the Eco Platform by you unless otherwise provided with written consent from Eco. If you choose to provide Feedback not otherwise assignable to Eco, you hereby grant Eco an unrestricted, perpetual, irrevocable, non-exclusive, fully paid-up, worldwide, royalty free right to exploit the Feedback in any manner and for any purpose, including to improve the Eco Services or Eco Platform and create other products and services. </span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="7"><li class="c0 li-bullet-0"><span class="c1">Copyrights and Trademarks.</span><span class="c7"> The information available on or through the Eco Platform is the property of Eco, or its licensors, and is protected by copyright, trademark, and other intellectual property laws. You may not modify, copy, distribute, transmit, display, publish, sell, license, create derivative works or otherwise use any information available on or through Eco Platform for commercial or public purposes. You may not use the trademarks, logos and service marks (“</span><span class="c1">Eco Marks</span><span class="c7">”) for any purpose including, but not limited to use as "hot links" or meta tags in other pages or sites without the written permission of Eco or such third party that may own the Eco Marks. Questions concerning Eco Marks should be directed to </span><span class="c11 c7"><a class="c15" href="mailto:[email protected]">[email protected]</a></span><span class="c4">.</span></li></ol><p class="c6"><span class="c5 c1"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="8"><li class="c0 li-bullet-0"><span class="c1">Force Majeure. </span><span class="c4">Eco shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophe or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions of this User Agreement.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="9"><li class="c0 li-bullet-0"><span class="c1">Taxes.</span><span class="c4"> You are solely responsible for determining and paying any income, sales, federal or state taxes to the appropriate tax authorities in connection with any of your activities on the Eco Platform, including, without limitation, the receipt of any Rewards.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="10"><li class="c0 li-bullet-0"><span class="c1">Unclaimed Property. </span><span class="c4"> If Eco is holding any funds on your behalf and we are unable to contact you and have no record of your use of the Eco Platform for several years, applicable law may require Eco to report your Account funds as unclaimed property to the applicable jurisdiction. If this occurs, Eco will try to locate you at the address shown in our records, but if Eco is unable to locate you, it may be required to deliver any such funds to the applicable state or jurisdiction as unclaimed property. Eco reserves the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by applicable law.</span></li></ol><p class="c6"><span class="c4"></span></p><ol class="c2 lst-kix_a5qt2nue1qug-1" start="11"><li class="c0 li-bullet-0"><span class="c1">Governing Law.</span><span class="c4"> This User Agreement and any Claim will be governed by the Federal Arbitration Act, as set forth above, and by California law and/or applicable law of the United States of America, without regard to choice of law or conflicts of law principles. Subject to the Agreement to Arbitrate found in Section 6, and without waiving any requirement to arbitrate Claims, all disputes arising from or relating to this User Agreement or your use of the Eco Platform (other than small claims actions) must be brought exclusively in the state courts located in the County of San Francisco, California, or the federal courts located in the County of San Francisco.</span></li></ol><p class="c9"><span class="c5 c1"></span></p><p class="c16"><span class="c5 c1">CONTACT US</span></p><p class="c16"><span class="c4">If you have any questions or concerns, please do not hesitate to contact us.</span></p><p class="c9"><span class="c4"></span></p><p class="c16"><span class="c7">Eco, Inc.</span></p><p class="c16"><span class="c4">2261 Market Street #4348</span></p><p class="c16"><span class="c4">San Francisco, CA 94114</span></p><p class="c16"><span class="c4">Attn: Legal Department</span></p><p class="c16"><span class="c11 c7"><a class="c15" href="mailto:[email protected]">[email protected]</a></span></p><p class="c9"><span class="c4"></span></p><p class="c9"><span class="c5 c26"></span></p></body></html>