Terms of Service

Thank you for considering the CashBay affiliate program. Our affiliates are very important to us. This agreement is designed with you in mind, as well as protecting you, CashBay, and our customers. Please read thoroughly. If you have any questions, please contact us at : [email protected]

CashBay Terms & Conditions

These Terms of Use were last updated on: May 10th, 2023

You must agree to and abide by these terms in order to use the CashBay service.

NOTICE OF ARBITRATION PROVISIONS:

Thanks for using the CashBay. CashBay enhances your Internet experience by providing you with in-browser short cuts and references to certain CashBay.co features. By downloading and installing the CashBay, you agree to be legally bound by the following End User License Agreement (this “EULA”) as well as our Terms of Use (“TOU”). In the event of a conflict between this EULA and the TOU, the TOU shall control. Whenever you see references made to the “CashBay” or “Software”, such references mean the browser extension software that works with your device’s Internet web browser, including any updates, revisions, patches or other modifications from time to time. CashBay(“CashBay”) reserves the right to revise, from time to time, this EULA and all documents incorporated by reference herein. CashBay may change this EULA by posting a new version without notice to you. Use of the CashBay after such change constitutes your acceptance of such changes. Any reference to “we”, “our”, “us” in this EULA refers collectively to CashBay. “You”, “your” refers to you, the end-user of the CashBay. You can always find the most recent version of this EULA at http://www.CashBay.co/extension/eula

Grant of Limited Use License

If you install and/or use the CashBay (regardless of version) you agree to this EULA. On condition that you comply fully with this EULA (as amended from time to time), CashBay grants, and you accept, a personal, limited, non-exclusive, non-transferable, non-sublicensable license to install and use the CashBay consistent with the uses of the CashBay that are permitted and not restricted (as provided herein). This EULA does not entitle you to receive any support or assistance features not already provided to you through the CashBay.co Help Center.

Permitted Uses

The following are permitted uses of the CashBay:

Account Information: You may login to your CashBay.co account to interact with certain key information and functionality of the CashBay.co service including: viewing your accumulated CashBay balance, accessing quick links from the extension to view your account information, contact CashBay support, invite friends to CashBay.co and view privacy policy & terms and conditions.

Search the Internet: The Software allows you to access the CashBay search engine. In addition to customary search engine functionality, users of the CashBay search engine have the value added opportunity to randomly earn SB for searching the Internet. The Software also gives you the ability to change your web browser’s default search engine should you decide to do so. The Software may change the homepage on your browser to www.CashBay.co (with your consent). The Software may also inform you of reward earning opportunities.

In-Browser Notifications: Installing the Software gives us the ability to provide you with various in-browser notifications. The most common such opportunities are notices regarding available Codes and CashBay earning opportunities in relation to third-party goods and services providers.

Code Redemption: Users of the Software are able to enter the then-active Code.

eCommerce: When visiting a website of a third-party goods or services provider, the CashBay will either create a tracking ticket and start a rewards shopping session or visually prompt you to press a button to start your rewards shopping session. You are likely to receive some form of in-browser notice advising you of a CashBay earning opportunity related to the third-party goods/services provider. If you start a shopping session using the CashBay, it will set a cookie on your device through an affiliate network for the purpose of tracking your shopping session and crediting your reward – similar to the way your shopping experience would work if initiated via the shopping portal on CashBay.co. Please note, however, that if cookies or other similar tracking devices from other affiliate marketing companies are already present on your computer, the Software will not automatically overwrite those cookies, but the CashBay may still offer you the ability to start a CashBay earning shopping session when you have arrived at a participating merchant’s website. Our use of cookies is more specifically described in our Privacy Policy.

Watch: You can explore video content within the Software (with an opportunity to earn CashBay therefrom).

Play: You can access quick links from the Software to participate in online games (with an opportunity to earn CashBay therefrom).

Answer: You can access quick links from the Software to participate in online surveys and other market research opportunities (with an opportunity to earn SB therefrom). Enhanced Experience

When visiting certain sites, the CashBay may add to the page you are visiting certain html code display relevant CashBay earning opportunities.

Updates

Once installed, the CashBay communicates with our servers. We may update the CashBay on your device when a new version is released or when new features are added. These updates occur automatically. We also reserve the right to modify features or functions to the CashBay. We are however under no obligation to make or provide to you subsequent versions or new features of the CashBay.

Restrictions

You may not (i) use the CashBay in any manner that could damage, disable, overburden, impair or abuse the services provided by the CashBay and the CashBay.co site generally. You may not use the CashBay in an automated manner (including by way of acting in concert with one or more other users of the CashBay to result in the same outcome as an automated approach) or in any way to transmit, directly or indirectly, any unsolicited bulk communications, (ii) decompile, reverse engineer, disassemble, modify, adapt, translate, rent, lease, loan, distribute or create derivative works or improvements from the CashBay or any portion thereof, or use the CashBay in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with this EULA, including without limitation engaging in any click fraud or other similar conduct to fraudulently or improperly earn SB via the CashBay or CashBay web properties which are further described in the TOU. You agree to abide by United States copyright law and all other applicable laws of the United States and other nations and by any applicable international treaties in connection with your use of the Software.

The CashBay is intended to benefit your bona-fide CashBay.co activities such as, search, Code redemptions, video streaming, surveys and shopping activities that you conduct throughout the Internet. All such activities are subject to the CashBay.co TOU, including, without limitation the terms covering instances wherein such TOU is violated and may lead to revocation of your right to use our services, cancelation and reversal of CashBay earnings and our pursuit of any legal remedy against you available to us. You acknowledge that the foregoing restrictions and penalties are reasonable and that they form an essential part of the bargain between you and us.

Ownership

All rights in and to the Software, including, but not limited to, all rights in and to intellectual property and trade secret rights, belong to us and we holds title to each copy of the Software. You agree not to remove or alter the CashBay in any way nor shall you create any derivative works thereof. All modifications or enhancements to the Software remain our sole property.

Third Party Applications

The CashBay may be offered to you bundled with another third party software application. Any such third party application is owned or licensed by a third party and this EULA does not apply to your use of such other third party application, regardless of whether the CashBay and such application came bundled together.

Term

This EULA is effective until terminated. You may terminate this EULA by deleting and/or destroying all copies of Software in your possession. CashBay may, upon notice to you, terminate this EULA, in its sole discretion, if you breach any of the terms and conditions or if we believe that you have violated or acted inconsistently with the letter or spirit of this EULA. Upon termination of this EULA for any reason, you shall delete and/or destroy all copies of the Software. If we terminate this EULA, you will no longer have the right to use our Software in any way, and, unless we expressly permit otherwise, any CashBay rewards or other incentives that you may earn following such termination will be void, even if such rewards or incentives would otherwise have been validly earned but for our termination. All provisions of this EULA relating to disclaimers of warranties, limitation of liability, remedies, or damages, and CashBay’s proprietary rights shall survive any such termination. You agree that CashBay shall not be liable to you or any third party for any termination of your access to the Software or the services provided thereby.

Disclaimer of Warranty

YOU UNDERSTAND AND AGREE THAT YOUR DOWNLOAD OR USE OF THE SOFTWARE IS AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR DEVICES OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF THE SOFTWARE. THE SOFTWARE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE SOFTWARE IS WITH YOU. WE MAKE NO WARRANTY THAT THE SOFTWARE IS ACCURATE AND ERROR-FREE; THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SOFTWARE WILL BE RELIABLE; OR THAT ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE SCOPE OF THIS WARRANTY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. THIS DISCLAIMER OF WARRANTY CONSTITUTES AN ESSENTIAL PART OF THIS AGREEMENT.

Limitation of Liability

IN NO EVENT WILL CashBay OR ANY THIRD PARTY (WHICH DISTRIBUTES, PROMOTES OR PROVIDES COMPONENTS CONTAINED IN THE SOFTWARE) BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOSS OF DATA, OR LOSS OF PROFITS OR LOST SAVINGS, ARISING OUT OF USE OF OR INABILITY TO USE THE SOFTWARE OR RELATED DOCUMENTATION, OR RELIANCE ON THE SOFTWARE, EVEN IF CashBay HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING THE FOREGOING, IF WE ARE FOUND TO BE LIABLE FROM ANY CLAIM RELATING TO OR ARISING FROM YOUR USE OF THE CashBay, OUR AGGREGATE LIABILITY TO YOU OR TO ANY THIRD PARTY IS LIMITED TO $50.00. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

Indemnification

BY DOWNLOADING, INSTALLING, USING OR UNINSTALLING THE SOFTWARE, OR USING ANY CashBay SERVICES, YOU HEREBY AGREE TO, AT YOUR OWN EXPENSE, INDEMNIFY, DEFEND AND HOLD HARMLESS CashBay, ITS PARENTS, SUBSIDIARIES AND AFFILIATES, ITS BUSINESS PARTNERS, THE THIRD PARTY TECHNOLOGY SUPPLIERS, AND ITS AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS (COLLECTIVELY, THE “INDEMNIFIED PARTIES”) FROM AND AGAINST ANY AND ALL LOSSES, DAMAGES, INJURIES, CAUSES OF ACTION, CLAIMS, DEMANDS AND EXPENSES, INCLUDING REASONABLE LEGAL FEES AND EXPENSES, OF WHATEVER KIND OR NATURE ARISING OUT OF, RELATING TO OR RESULTING FROM ANY CLAIM AGAINST SUCH INDEMNIFIED PARTIES OR ANY ONE OF THEM, ARISING FROM OR RELATING TO (I) ANY BREACH BY YOU OF THIS EULA; OR (II) YOUR DOWNLOAD, INSTALLATION, USE OR UNINSTALLATION OF THE SOFTWARE OR SUCH SERVICES, INCLUDING, WITHOUT LIMITATION, ANY CLAIM OF PERSONAL INJURY (INCLUDING DEATH), INJURY TO REPUTATION, VIOLATION OF PRIVACY, OR DAMAGE TO TANGIBLE PROPERTY OR DATA (INCLUDING LOSS OF PROPERTY OR LOSS OF USE OF TANGIBLE PROPERTY OR DATA).

Your use of the CashBay Sites and Features and our Services (both as defined below) is subject to binding individual arbitration of any disputes which may arise, as provided in Paragraph 11 of these Terms of Service. Please read the arbitration provisions carefully and do not use any of the CashBay Sites and Features or our Services if you are unwilling to arbitrate any disputes you may have with us (including without limitation any disputes relating to these Terms of Service, our Privacy Policy, and any Additional Terms) as provided herein.

CashBay (together with any affiliates, the “Company”) operates (collectively, the “CashBay”). These Terms of Use (“Terms”) apply to the CashBay Sites and to all of the features, mobile applications, emails, online services and other functionalities (collectively, the “Features”) available via or related to the CashBay Sites, whether accessed via a computer, mobile device, or otherwise (collectively, the “CashBay Sites and Features”).

These Terms are a legal agreement between you and the Company. By using any of the CashBay Sites and Features or our Services, and/or clicking to “Accept” or otherwise agreeing to these Terms where that option is made available to you, you agree to be bound by these Terms as well as our Privacy Policy (/privacy). If you do not agree to these Terms or our Privacy Policy, please do not register with or use any CashBay Sites or Features or our Services.

We may post additional terms, official rules, or agreements that apply to certain services, applications, activities, and features we offer or provide at or through certain CashBay Sites and Features (“Additional Terms”), and you may be subject to such Additional Terms when you access those services, applications, activities and/or features. In the event of any conflict between the terms of the Additional Terms (on the one hand) and these Terms (on the other hand), these Terms shall prevail unless expressly otherwise stated in the Additional Terms, which are intended to supplement, but not replace, these Terms.

Please don’t hesitate to contact us with any questions regarding these Terms or any Additional Terms. You can reach us by using the “Contact Us”, “Contact Member Services” or similar contact link in the footer of any of the CashBay Sites.

TABLE OF CONTENTS:

Use of CashBay Sites and Features

User Representations and Warranties

Sweepstakes, Contests and Promotions

Rewards Programs

Intellectual Property

Reporting Copyright Infringement – DMCA Policy

User Conduct

Communications Channels

Disclaimer of Warranties; Limitation of Liability; Indemnification

Compliance with FTC Guidelines on Endorsements/Testimonials

Binding Arbitration of all Disputes

Tax Matters

Notification of Changes

International Users

Excluded Users and Territories

Miscellaneous

Contact Us

Use of CashBay Sites and Features

You agree to use the CashBay Sites and Features and the services available on or through the CashBay Sites and Features (the “Services”) only for purposes that are permitted by these Terms, any Additional Terms, and any applicable law, regulation or generally accepted practices in the relevant jurisdictions. Subject to all of the provisions of these Terms, the Company hereby grants you a limited, terminable, non-transferable, personal, non-exclusive license to access and use the CashBay Sites and Features and our Services solely as provided herein. You may download material displayed on the CashBay Sites and Features for non-commercial, personal use only, provided you do not remove any copyright and other proprietary notices contained on the materials. You may not, however, distribute, modify, broadcast, publicly perform, transmit, reuse, re-post, or use the content of the CashBay Sites and Features, including any text, images, audio, and video, for public or commercial purposes without the Company’s prior written permission. Notwithstanding anything to the contrary herein, all rights not specifically granted in the license set forth above shall be reserved and remain always with the Company. Your right to use the CashBay Sites and Features and our Services is not transferable. You acquire no rights or licenses in or to the CashBay Sites and Features and materials contained therein other than the limited right to access and utilize the CashBay Sites and Features and our Services in accordance with these Terms.

If you are accessing the CashBay Sites and Features via any of our applications available via third parties (collectively “Third Party Outlets”) including, without limitation, Apple, Inc.’s “App Store” or Google, Inc.’s “Google Play” store, you acknowledge and agree that these Terms are entered into by and between you and the Company only, and that none of the Third Party Outlets are party to these Terms. The Third Party Outlets are not sponsors to, nor in any way affiliated with, any of the Company’s Promotions (defined below), nor any of our Services or the CashBay Sites and Features.

User Representations and Warranties

By using the CashBay Sites and Features or our Services, you represent, warrant and covenant that you: (i) have the power and authority to enter into and be bound by these Terms; (ii) shall use the CashBay Sites and Features and our Services only as permitted by these Terms, and any applicable Additional Terms, and not for any unlawful purpose; and (iii) are thirteen (13) years of age or older. If you are under the age of thirteen (13), you are not allowed to use the CashBay Sites and Features nor our Services. Some offerings on the CashBay Sites and Features or our Services may be subject to additional age restrictions.

Sweepstakes, Contests and Promotions

Any sweepstakes, contests or promotions (collectively, “Promotions”) that may be offered via any of the CashBay Sites and Features or our Services may be governed by Additional Terms, which may set out eligibility requirements, such as certain age or geographic area restrictions, terms and conditions, and details governing how your personal information may be used. It is your responsibility to read all Additional Terms to determine whether or not you want to or are eligible to participate, enter or register in or for the Promotions. By participating in a Promotion, you will be subject to the Additional Terms and you agree to comply with and abide by such Additional Terms and the decisions of the sponsor(s) thereof. The Third Party Outlets are in no way associated with the Company’s Promotions.

Affiliate Programs

Overview

The Company may offer one or more affiliate programs (“Affiliate Programs”) under which you may have the opportunity to earn money (in the CashBay.co program). Not all of the CashBay Sites and Features offer Affiliate Rewards Programs, however, and Affiliate Programs may include Additional Terms that apply to your participation in activities allowing you to earn money (collectively, “Activities”). The Company may limit, suspend or terminate your ability to participate in a Affiliate Program in its sole and absolute discretion, and may void any money, points, rewards, or potential rewards you may have earned or accumulated in an Affiliate Program, if we determine in our sole discretion that you have not complied with these Terms or any Additional Terms applicable to such participation. For example, fraudulent traffic (“fake clicks and fake referrals”) is not tolerated. If we determine in our sole discretion that your account contains fraudulent traffic, we will void any money, points, rewards, or potential rewards you have earned and we will terminate your account. And if a payment has already been made to you, we will allow thirty (30) days for you to refund it or we will take legal action. You agree to abide by the final and binding decisions of the Company regarding any Rewards Program and your participation in it. We reserve the right to change, suspend, or cancel all or a portion of a Affiliate Program, including any points you may have accrued, at any time without prior notice to you.

Earning Points

Points can be earned in a Rewards Program by participating in certain Activities, as described in the applicable CashBay Sites and Features. If you choose to participate and follow the instructions associated with an Activity, upon satisfying all of the requirements of the Activity, you will be awarded the points associated with completing that Activity so long as the Company and/or its third-party Rewards Program affiliates are able to properly track your valid and completed point-earning Activities. For avoidance of doubt, Company shall not be responsible for, nor shall Company be obligated to award points or rewards to Rewards Program participants for, any Activity that is not properly recorded, tracked and/or deemed approved under Company’s or its third-party Rewards Program affiliates’ policies, procedures and systems. There may be limitations on Activities and rewards, so please be sure to review all applicable Additional Terms before deciding whether or not you would like to participate. For example, we reserve the right to request and verify receipts of completed purchases prior to or in connection with the awarding of points for shopping Activities in order to verify with the applicable merchant that such purchases are valid. Some of the limitations on Activities and rewards include (without limitation), our right to change or limit your ability to participate in certain Activities or the Rewards Program itself; our right to change or limit the allowable frequency of Activities; our right to change or limit the number of points you can earn for a given Activity or during a given time period; and our right to change the Activities or rewards available, or the number of points required for a particular reward. Points awarded have no cash value.

Redeeming Points

You may redeem points you have earned for rewards offered in a Rewards Program pursuant to these Terms and any applicable Additional Terms. Supplies may be limited. Rewards may be awarded on a first-come, first-serve and while-supplies-last basis. If you attempt to redeem points for a reward and the Company determines that the reward is unavailable, out of stock, or for whatever reason cannot be provided to you, the Company may, at its sole and absolute discretion, provide you with a reward of equal or greater value. No credit, reversal, or refund of points will be issued for any reason after points have been redeemed; in other words, once you order a reward, you may not cancel the reward or return the reward for a refund of points. The only way to use points is to redeem them for Rewards Program rewards as available from time to time through the CashBay.co Rewards Store at /dashboard, or other applicable Rewards Program redemption sites, as applicable. Some rewards may have eligibility requirements and in that case the Company reserves the right to verify your identity (by requesting photocopy of your driver’s license or state ID card, or other proof as we may require) and eligibility qualifications to our complete satisfaction prior to crediting points or fulfilling any reward in any Rewards Program, or otherwise providing you with any benefit.

Delivery of Rewards

Rewards may be emailed to your email address or mailed to the U.S. postal address, as applicable, that you provided when you registered and created an account (“Account”) for the applicable Rewards Program, or to the email or U.S. postal address that our records show your Account was last updated to reflect. Processing times may vary. Rewards that are undeliverable or unclaimed for whatever reason (including, without limitation, because your Account information is incorrect or outdated) may be forfeited, and the points will not be refunded.

Rewards Program Points Nontransferable

Rewards Program points are nontransferable, may not be bartered or sold, and are void if a transfer is attempted, and such points and the associated Account are not transferable upon death, as part of a domestic relations matter or otherwise by operation of law.

Inactive Accounts

Any Account that has not been logged into and points either earned or redeemed for one year or more may be deemed inactive and the Account closed. In such instances, to request Account reactivation (subject to such terms, limitations and requirements as we may impose from time to time) you may reach us by using the “Contact Us”, “Contact Member Services” or similar contact link in the footer of any of the CashBay Sites. We may modify our inactive Account rules and policies in our Rewards Programs from time to time, and if your Account becomes inactive pursuant to such then-current rules or policies, we may close your Account, without any compensation or further obligation to you.

Points Expiration

Any points in our Rewards Programs that have not been redeemed for two (2) years from the time such points were earned or awarded may be deemed expired and removed from your Account. For existing members of any Rewards Program on July 1, 2016, the foregoing 2-year period shall run from that date with respect to any points in your Account on such date. In such instances, to request re-crediting of the expired points to the Account (subject to such terms, limitations and requirements as we may impose from time to time) you can reach us by using the “Contact Us”, “Contact Member Services” or similar contact link in the footer of any of the CashBay Sites. We may modify our points expiration rules and policies for any points in our Rewards Programs from time to time, and if your points expire pursuant to such then-current rules or policies, we may remove such points from your Account, without any compensation or further obligation to you regarding the expired points.

Prohibitions

You are prohibited from using any paid service to drive traffic (clicks, referrals, etc) to your account. Paid services include but are not limited to: Google Ads, Snapchat Ads, Facebook Ads, Instagram Ads, purchasing ad-space (“shoutouts”) from social media influencers, and more. Although your account won’t be banned, CashBay is not responsible for any losses that are occurred as a result of using those services.

Intellectual Property

You acknowledge that the CashBay Sites and Features have been developed, compiled, prepared, revised, selected and arranged by the Company and others through the expenditure of substantial time, effort and money and constitutes valuable intellectual property and trade secrets of the Company and others. It is our policy to enforce these intellectual property rights to the fullest extent permitted under law. The trademarks, logos and service marks (“Marks”) displayed on the CashBay Sites and Features are the property of the Company or third parties and cannot be used without the written permission of the Company or the third party that owns the Marks. The CashBay Sites and Features are also protected as a collective work or compilation under U.S. copyright and other foreign and domestic laws and treaties. Users are prohibited from using (except as expressly set forth herein), transferring, disposing of, modifying, copying, distributing, transmitting, broadcasting, publicly performing, displaying, publishing, selling, licensing, or creating derivative works of any content on the CashBay Sites and Features or our Services for commercial or public purposes. Nothing contained herein shall be construed by implication, estoppel or otherwise as granting to the user an ownership interest in any copyright, trademark, patent or other intellectual property right of the Company or any third party. The Company exclusively owns all worldwide right, title and interest in and to all documentation, software, contents, graphics, designs, data, computer codes, ideas, know-how, “look and feel,” compilations, magnetic translations, digital conversions and other materials included within the CashBay Sites and Features and related to our Services, and all modifications and derivative works thereof, and all intellectual property rights related thereto.

Reporting Copyright Infringement – DMCA Policy

If you believe that any content, user-posted materials, or any other material found on or through the CashBay Sites and Features or our Services, including through a hyperlink, infringes your copyright, you should notify us. To be effective, the notification to us must be in writing and must comply with the following instructions:

Written notices must be sent either:

electronically to hel[email protected] with the subject line “DMCA Takedown Request”;

Each written notification must contain the following information to be deemed a valid notice:

a) an electronic or physical signature of the person authorized to act on behalf of the owner of the exclusive copyright interest;

b) description of the copyrighted work that you claim has been infringed;

c) description of where the material that you claim is infringing is located on the CashBay Sites and Features that is reasonably sufficient to enable us to identify and locate the material (for example, a complete list of specific URLs);

d) our physical mailing address, telephone number and email address;

e) statement by you affirming that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

f) a statement by you that the information provided in your notice is accurate and, under penalty of perjury, that you are the owner of an exclusive right in the material or that you are authorized to act on behalf of the copyright owner.

We will process each written notice of alleged infringement that we receive and will take appropriate action in accordance with applicable intellectual property laws.

We have a policy of terminating and/or blocking repeat infringers in appropriate circumstances, in our sole discretion, subject to reasonable limitations.

User Conduct

You agree that you will not engage in any activity that interferes with or disrupts the CashBay Sites and Features or our Services (or the servers and networks which are connected to our Services) or use any service to manipulate your computer or other device to gain any advantage on any of our programs. Unless you have been specifically permitted to do so in a separate written agreement with us, you agree that you will not reproduce, duplicate, copy, sell, trade, or resell our Services for any purpose. You further agree that your use of the CashBay Sites and Features and our Services shall not be fraudulent or deceptive, or unlawful, as determined in our sole and absolute discretion. You shall also comply with all usage rules found throughout the CashBay Sites and Features and/or our Services, including, without limitation, any Do’s and Don’ts or other guidelines posted on any of the CashBay Sites and Features. You agree to comply with the instructions set out in any robots.txt file present on the CashBay Sites and Features and our Services. Without limiting the generality of the foregoing, you agree not to use the CashBay Sites and Features or our Services in order to:

access (or attempt to access) any of our Services by any means other than through the interface that we provide; share a single Account with any person other than the registered Account holder; create and/or use multiple Accounts (i.e. only one Account is permitted per person); maintain or use any false identity or multiple identities, or otherwise fail to participate in our Services using your real identity and accurate contact, demographic and other information; submit any personal information (name, email, zip code, etc.), payment information (credit card number and expiration date, etc.), or other information which we determine in our sole discretion to have been false, inaccurate or otherwise invalid in connection with any Activities or any other use of the CashBay Sites and Features or our Services; post, upload, transmit, or otherwise disseminate information that (in our sole discretion) is obscene, indecent, vulgar, pornographic, sexual, hateful, or otherwise objectionable; post spam links, and/or personal referral links in an aggressive, wanton, or otherwise inappropriate fashion, whether on any CashBay Sites and Features or on any other website or application; defame, libel, ridicule, mock, stalk, threaten, harass, intimidate or abuse anyone, hatefully, racially, ethnically or, in a reasonable person’s view, otherwise act in an offensive or objectionable manner; upload or transmit (or attempt to upload or transmit) files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files or data, or any other similar software or programs that may damage the operation of the Service, other user’s computers, or access to or functionality of the CashBay Sites and Features; violate the contractual, personal, intellectual property or other rights of any party, including using, uploading, transmitting, distributing, or otherwise making available any information made available through the CashBay Sites and Features or our Services in any manner that infringes any copyright, trademark, patent, trade secret, or other rights of any party (including rights of privacy or publicity); attempt to obtain account information, passwords or other private information from other members; improperly use support channels or complaint buttons to make false or frivolous reports to the Company or to communicate with our customer support representatives in a disrespectful, belligerent or inappropriate manner; develop, distribute, make use of, or publicly inform other members of “auto” software programs, “macro” software programs, web crawlers or other script or “cheat utility” software programs or applications; Share or distribute survey IDs, answers, or other survey information, or otherwise coach or assist other members with regard to qualifying for or answering surveys; abuse any of our Services in a manner that does not reflect normal or appropriate human usage, such as conducting excessive searches or other Activities in our Rewards Programs for the sole or primary purpose of receiving points, as we may determine in our sole discretion; or exploit, distribute or publicly inform other members of any error, miscue, or bug (“Error”) that gives an unintended advantage, violate any applicable laws or regulations, or promote or encourage any illegal or unauthorized activity including, but not limited to, hacking, cracking or distribution of counterfeit software, or cheats or hacks for our Services. If you find an error, we kindly request that you report it to our appropriate support team by using the “Contact Us”, “Contact Member Services” or similar contact link in the footer of any of the CashBay Sites If we determine in our sole discretion that you have violated these Terms, the Company may in its sole discretion issue you a warning regarding the violation prior to terminating or suspending any or all Accounts you have created (or which are associated with you) using our Services. However, you acknowledge and agree that the Company need not provide you with any warning or notice before terminating or suspending your Account(s) and/or your access to the CashBay Sites and Features and our Services for any reason, at its sole and absolute discretion.

Communications Channels

The CashBay Sites and Features and our Services may include communication channels such as forums, communities, or chat areas (“Communication Channels”) designed to enable you to communicate with other Services users. The Company has no obligation to monitor these communication channels but it may do so in its sole discretion and reserves the right to review materials posted to the Communication Channels and to remove any materials, at any time, with or without notice for any reason, at its sole and absolute discretion. The Company may also terminate or suspend your access to any Communication Channels at any time, without notice, for any reason. You acknowledge that chats, postings, or materials posted by users on the Communication Channels are neither endorsed nor controlled by the Company, and these communications should not be considered reviewed or approved by the Company. The Company will not under any circumstances be liable for any activity within Communication Channels. You agree that all your communications with the Communication Channels are public, and thus you have no expectation of privacy regarding your use of the Communication Channels. The Company is not responsible for information that you choose to share on the Communication Channels, or for the actions of other users.

Disclaimer of Warranties; Limitation of Liability; Indemnification

You agree that your use of the CashBay Sites and Features and our Services shall be at your own risk. To the maximum extent permitted by applicable law, the Company, and its affiliates, partners, employees, and agents, disclaim any and all guarantees, warranties, and representations, express or implied, in connection with our Services, the CashBay Sites and Features, and your use thereof, including implied guarantees or warranties of title, merchantability or acceptable quality, fitness for a particular purpose or non-infringement, accuracy, authority, completeness, usefulness, and timeliness. To the maximum extent permitted by applicable law, the Company makes no guarantees, warranties, or representations about the accuracy or completeness of the content of the CashBay Sites and Features or our Services, or the content of any sites linked to our Services, and assumes no liability or responsibility for any (i) errors, mistakes, nor inaccuracies of content, (ii) personal injury (including death) or property damage, of any nature whatsoever, resulting from your access to and use of the CashBay Sites and Features or our Services, (iii) unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein, (iv) interruption or cessation of transmission to or from our CashBay Sites and Features or our Services, (v) bugs, viruses, Trojan horses, or the like which may be transmitted to or through our Services by any third party, (vi) errors or omissions in any content or for any loss or damage of any kind incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available via the CashBay Sites and Features or our Services, and/or (vii) tax liability imposed against you by any taxing authority.

To the maximum extent permitted by applicable law, in no event will the Company, or its affiliates, partners, employees, and agents, be liable to you or any third person for any special, direct, indirect, incidental, special, punitive, or consequential damages whatsoever, including any lost profits or lost data arising from your use of the CashBay Sites and Features, our Services or other materials or content on, accessed through or downloaded from our Services, whether based on warranty, contract, tort (including without limitation negligence), or any other legal theory, and whether or not the Company has been advised of the possibility of these damages. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction. You specifically acknowledge that the Company shall not be liable for user submissions or the defamatory, offensive, or illegal conduct of any third party. You agree to indemnify and hold the Company, and each of its affiliates, partners, employees, and agents, harmless from and against any claim, cause of action, loss, liability, damages, costs and expenses, including reasonable attorney’s fees, arising out of or in connection with (i) your use of and access to the CashBay Sites and Features or our Services; (ii) your violation of any term of these Terms; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right, or damage to a third party; (iv) any tax obligations arising from or related to your use of the CashBay Sites and Features or our Services; and/or (v) any content you post or share on or through the Service.

You agree that the Company will not be liable for, or be required to provide any compensation to you with respect to, the termination of any Rewards Program or any associated Account(s), including without limitation any points, rewards, prizes, or credits in your Account(s) or otherwise existing in your favor at the time of termination.

Sometimes when you use our Services, you may use a service or download a piece of software, or purchase goods, provided by another person or company. Your use of these other services, software or goods may be subject to separate terms between you and the other company or person. If so, these Terms do not affect your legal relationship with these other companies or individuals.

You agree that we are not responsible for the loss or impairment of any points, rewards, prizes, or credits, regardless of monetary value, in the event there is any: change in the value of each point (as determined in Company’s sole and absolute discretion), data or server error, computer and/or network system error or failure, criminal act, vandalism, cyber-attack or other events which make it commercially unreasonable for us to determine the points balance or value of any Account(s).

All guarantees, warranties, and representations, whether express or implied, as to the condition, suitability, quality, fitness, or safety of any goods and services supplied under our Rewards Programs or other Services are excluded to the fullest extent permitted by applicable law.

Any liability the Company may have to a member under any such guarantees, warranties or representations implied or imposed by law which cannot be excluded is hereby limited, to the extent legally permissible, to supplying or paying the cost of supplying the goods or services (or equivalent goods or services) or repairing or paying the cost of repairing the goods or re-performing the services, at the Company’s sole option.

Please note that at any time, we may, in our sole discretion, terminate our legal agreement with you and deny you continued use of the CashBay Sites and Features and our Services, and, without limiting the foregoing, may do so if (i) we are required to do so by law (for example, where the provision of our services to you is or may become, unlawful); (ii) the partner with whom we offered our Services to you has terminated its relationship with us or ceased to offer their services to you; (ii) we are no longer providing all or any portion of our Services to users in the jurisdiction in which you are resident or from which you use our Services; or (iv) the provision of our Services to you is, in our opinion, no longer commercially viable.

Compliance with FTC Guidelines on Endorsements/Testimonials

If you choose to promote our services to the public, including your own personal social networks, you agree that you will comply with the FTC’s Guidelines Concerning the Use of Testimonials and Endorsements in Advertising (available at www.ftc.gov) (“Guidelines”).

For example, if you have been paid or provided with free products in exchange for discussing or promoting a CashBay product or service, or if you are an employee of a company and you decide to discuss or promote that company’s products or services through the CashBay services, you agree to comply with the Guidelines’ requirements for disclosing such relationships. You, and not CashBay, are solely responsible for any endorsements or testimonials you make regarding any product or service made on or through CashBay’s services.

Binding Arbitration of all Disputes

Providing Notice of a Claim.

The parties agree to arbitrate all disputes and claims between them (“Disputes or Claims”). This agreement to arbitrate is intended to be broadly interpreted. It includes, but is not limited to: (1) Disputes or Claims related in any way to any CashBay Sites and Features or our Service, privacy, data security, collection, use and sharing, advertising, purchase transactions, points earnings, awards, balances, expiration, or transactions, sweepstakes, promotions, or any emails, texts, or other communications with you; (2) Disputes or Claims arising out of or relating to any aspect of the transactions or relationship between us, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory; (3) Disputes or Claims that arose before your agreement to these Terms of Use or any prior arbitration agreement; (4) Disputes or Claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and (5) Disputes or Claims that may arise after the termination of your use of any CashBay Sites and Features or our Services.

A party who intends to seek arbitration must first send to the other, by encrypted email, a typed Notice of Dispute (“Notice”). Notice to us must be sent to our customer service email address at: contact{{ config('app.name') }}.co, Subject Line: Attention: Legal Department; Notice of Dispute. The Notice must include: (1) the nature and basis of your Dispute or Claim; (2) identification or enclosure of all relevant documents and information; and (3) a description of the specific relief that you seek from us.

Providing Us an Opportunity to Informally Resolve Your Dispute. Before you may pursue or participate in any Dispute or Claim (or raise such Dispute or Claim as a defense) in small claims court or in arbitration against us, you must first send the Notice described above, and you must allow us a reasonable opportunity (not less than thirty (30) days) to resolve your Dispute or Claim. After we receive your Notice, the parties agree to negotiate in good faith with each other to try to resolve your Dispute or Claim.

Agreement to Participate in Binding Arbitration.

If the parties do not reach an informal resolution of your Dispute or Claim within thirty (30) days after we receive your written Notice, you may pursue your Dispute or Claim in arbitration or, solely to the extent specifically provided below, in small claims court. If the parties cannot reach an informal resolution to the Dispute or Claim within thirty (30) days after our receipt of your Notice, you may commence an arbitration proceeding by sending an arbitration demand (“Arbitration Demand”) to the following address: CashBay Dispute Resolution, CashBay, PTY, Melbourne, Australia, Attention: Legal Department. The parties agree to arbitrate any Dispute or Claim between them, except to the extent either party chooses to instead pursue the Dispute or Claim in small claims court as provided below. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than in court, and is subject to very limited review by courts. Arbitrators generally can award the same damages and relief that a court can award.

Except as otherwise provided herein, upon either party filing an Arbitration Demand, we will pay all filing, administration, and arbitrator fees, unless your Dispute or Claim exceeds $75,000 (exclusive of any filing, administration, arbitrator, or attorneys’ fees or other fees or expenses). If you initiate an arbitration in which you seek more than $75,000 (exclusive of any filing, administration, arbitrator, or attorneys’ fees or other fees or expenses) in damages, the American Arbitration Association’s (“AAA”) Commercial Arbitration Rules and the Supplementary Procedures for Consumer-Related Disputes (collectively, the “AAA Rules”) will govern the payment of these fees. The AAA Rules, as modified by these Rules, will govern the arbitration. The AAA Rules are available online at www.adr.org, or by calling the AAA at 1-800-778-7879. If your Dispute or Claim is for $10,000 or less (exclusive of any filing, administration, arbitrator, or attorneys’ fees or other fees or expenses), we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing under the AAA Rules. If your Dispute or Claim exceeds $10,000 (exclusive of any filing, administration, arbitrator, or attorneys’ fees or other fees or expenses), the right to a hearing will be determined by the AAA Rules. Furthermore, if AAA at the time the arbitration is filed has Minimum Standards of Procedural Fairness for Consumer Arbitrations in effect which would be applicable to the matter in dispute, the Company agrees to provide the benefit of such Minimum Standards to you to the extent they are more favorable than the comparable arbitration provisions set forth in this arbitration provision, provided, however, that in no event may such Minimum Standards contravene or restrict the application of language in bold type below requiring individual arbitration and prohibiting class, representative or consolidated arbitration proceedings.

Unless the parties agree otherwise in writing, any arbitration hearings will take place in the county (or parish) in which you reside (except that, if you reside outside of the United States, any such hearings will take place in Los Angeles County, California). One arbitrator, who is selected under the AAA Rules and who has expertise in consumer disputes in the Internet industry, will conduct the arbitration. If no arbitrator possessing such expertise is available, then the arbitration will be conducted by a single arbitrator who is selected by the mutual written approval of the parties. Except as allowed under applicable law and the AAA Rules, the decisions of the arbitrator will be binding and conclusive on all parties. Judgment upon any award of the arbitrator may be entered by any court of competent jurisdiction. This provision will be specifically enforceable in any court. THE ARBITRATOR MUST FOLLOW THESE RULES AND CAN AWARD THE SAME DAMAGES AND RELIEF AS A COURT (INCLUDING ATTORNEYS’ FEES).

All issues are for the arbitrator to decide, except that issues relating to the scope and enforceability of the arbitration provision are for a court to decide. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. Except as otherwise provided herein, we will pay all filing, administration, and arbitrator fees for any arbitration initiated in accordance with the notice requirements above. If, however, the arbitrator finds that either the substance of your Dispute or Claim or the relief sought is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all such fees will be governed by the AAA Rules. Also, if you initiate an arbitration in which you seek more than $75,000 in damages, the payment of fees will be governed by the AAA Rules.

We may make a written settlement offer to you before the arbitrator issues an award. If, after the arbitrator finds in your favor on the merits of the claim, and the arbitrator issues you an award that is greater than our written offer, we will: (1) pay you the greater of the amount of the award or $7,500 (“Alternative Payment”); and (2) pay your attorney, if you use an attorney, twice the amount of any reasonable attorneys’ fees awarded by the arbitrator, and reimburse any expenses that your attorney reasonably accrues for investigating, preparing, and pursuing your arbitration claim (“Attorney Fee Premium”). The Attorney Fee Premium does not supplant any right you may have to reasonable attorneys’ fees under applicable law. Thus, if you would be entitled to a greater amount under applicable law, the Attorney Fee Premium does not preclude the arbitrator from awarding you that amount. You may not, however, recover duplicative attorneys’ fees or costs. If we do not make a written settlement offer to you before the arbitrator issues an award, you and your attorney will be entitled to the Alternative Payment and the Attorney Fee Premium, respectively, if the arbitrator decides in your favor on the merits. We agree that we will not seek any award of attorneys’ fees, even if we are entitled to such fees. The arbitrator may make any determinations and resolve any Dispute or Claim as to the payment and reimbursement of fees, the Alternative Payment, or the Attorney Fee Premium at any time during the proceeding and within fourteen (14) days after the arbitrator’s final ruling on the merits. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. Furthermore, these arbitration provisions shall not prevent any party from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.

YOU AND THE COMPANY AGREE THAT:

ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS OR REPRESENTATIVE ACTION. NEITHER YOU NOR THE COMPANY SHALL BE A MEMBER IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING, AND THE ARBITRATOR MAY AWARD RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF WARRANTED BY THAT PARTY’S INDIVIDUAL DISPUTE OR CLAIM. UNLESS BOTH PARTIES AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S DISPUTES OR CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

THE COMPANY DOES NOT CONSENT TO CLASS ARBITRATION. ACCORDINGLY, IF A COURT REFUSES TO ENFORCE THE ABOVE PROVISIONS REGARDING CLASS OR REPRESENTATIVE ACTIONS, THEN THIS AGREEMENT TO ARBITRATE SHALL BE UNENFORCEABLE AS TO YOU. WHETHER A DISPUTE OR CLAIM PROCEEDS IN COURT OR IN ARBITRATION, YOU AND COMPANY HEREBY WAIVE ANY RIGHT TO A JURY TRIAL.

This arbitration agreement covers any Dispute or Claim arising out of or relating to any aspect of the relationship between the parties, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, even if the Dispute or Claim arises or may arise before or after the period(s) during which you are using the CashBay Sites and Features or our Services. For purposes of this arbitration provision, references to “the Company”, “we” and “us” include CashBay, PTY, MyPoints.com, LLC, and each of their affiliates, and each such entity’s respective directors, officers, employees, shareholders, agents, suppliers and assignees. The AAA Rules evidence a transaction in interstate commerce and the Federal Arbitration Act governs the interpretation and enforcement of this section.

The parties must bring any Dispute or Claim hereunder (including any Dispute or Claim arising out of or related to the AAA Rules), within two (2) years after the Dispute or Claim arises, or the Dispute or Claim will be permanently barred. To the extent the law applicable under the Governing Law section below makes this limitations period unenforceable with respect to any Dispute(s) or Claim(s), then the statutes of limitations of the state whose laws govern the AAA Rules under the Governing Law section below shall apply.

We may make changes to this arbitration provision from time to time. You may reject any material changes by sending us a written objection within thirty (30) days of the change to CashBay Dispute Resolution, CashBay, PTY, Melbourne, Australia, Attention: Legal Department. By rejecting any future material change, you are agreeing to arbitrate in accordance with the language of this provision. If you do not send written objection to any change as provided above, you are agreeing to arbitration in accordance with the changed language of this provision. To the extent that an arbitrator or court of applicable jurisdiction determines that applying any changes to this arbitration provision to any Disputes or Claims relating to prior events or circumstances would render this an illusory or unenforceable contract or otherwise violate your legal rights, such changes shall be applicable on a prospective basis only, with respect to events or circumstances occurring after the effective date of such changes, and in that case any Disputes or Claims relating to such prior events or circumstances shall be arbitrated in accordance with the language of this provision without such changes to the extent necessary to avoid these Terms being deemed illusory or unenforceable.

Small Claims Court. You may choose to pursue your Dispute or Claim in small claims court rather than by arbitration if your Dispute or Claim qualifies for small claims court in a location where jurisdiction and venue over you and us is proper.

Governing Law.The AAA Rules, and any Dispute or Claim arising between you and the Company related in any way to the AAA Rules or any CashBay Sites and Features or our Service, privacy, data security, collection, use and sharing, advertising, purchase transactions, points earnings, awards, balances, expiration, or transactions, sweepstakes, promotions, or any emails, texts, or other communications with you, or arising out of or relating to any aspect of the transactions or relationship between us, whether based on contract, tort, statute, or common law, will be governed by the internal laws of the state in which you reside (except that, if you reside outside of the United States, the internal laws of the State of California will govern), without regard to choice of law principles.

Tax Matters

You acknowledge and agree that we do not have the ability, in every instance, to determine whether or not the points, rewards, prizes, or credits you earned or redeemed in any Rewards Program are considered reportable taxable earnings in your jurisdiction. You are therefore responsible for any and all tax liability arising from or associated with your use of the CashBay Sites and Features or our Services, including liability arising from your accrual of Rewards Program points or your redemption of such points for cash or other value. As a condition of your continued use of the CashBay Sites and Features and our Services, we reserve the right to require you to provide necessary tax reporting information if our records show that you are or may be required to report the value of your points, rewards, prizes, or credits to an appropriate tax authority. We encourage you, and it is your responsibility, to seek advice of a tax expert in order to determine the tax consequences of your use of the CashBay Sites and Features and our Services, and any associated points, rewards, prizes, or credits earned or redeemed.

Notification of Changes

We reserve the right to make changes to these Terms from time to time in our sole discretion. If we decide to change these Terms, we will provide notice of such changes by sending you an administrative email and/or posting those changes in places on the CashBay Sites and Features deemed appropriate by us so our users are always aware of the terms of their use of the CashBay Sites and Features and our Services. Your continued use of any of the CashBay Sites and Features or our Services after delivery of the administrative email to you or after the changes are posted constitutes your agreement to the changes. If you do not agree to the changes, please discontinue your use of such CashBay Sites and Features and our Services. To the extent that an arbitrator or court of applicable jurisdiction determines that applying any changes to these Terms to any prior events or circumstances would render this an illusory or unenforceable contract, such changes shall be applicable on a prospective basis only, with respect to events or circumstances occurring after the date of such changes, to the extent necessary to avoid these Terms being deemed illusory or unenforceable. In any event, if you used any of the CashBay Sites and Features or our Services pursuant to a prior version of these Terms that required a certain notice period to you prior to any changes being effective, any changes under these Terms will not be effective as to you until the previously-specified notice period has passed after the date of these Terms.

International Users

The CashBay Sites and Features are controlled, operated, and administered by the Company from its offices within the United States of America. The Company makes no representation that materials on the CashBay Sites and Features are appropriate or available for use at other locations outside of the United States and access to them from territories where the contents or products available through the CashBay Sites and Features are illegal is prohibited. You may not use the CashBay Sites and Features or export the content or products in violation of U.S. export laws and regulations. If you access CashBay Sites and Features from a location outside of the United States, you are responsible for compliance with all local laws.

Excluded Users and Territories

You are not permitted to download or use any of the CashBay Sites and Features or our Services, including making any purchases of products or services from the Company, if you are (i) located in, under the control of, or a national or resident of any country to which the United States has embargoed goods or services; (ii) identified as a “Specially Designated National”; or (iii) placed on the U.S. Department of Commerce’s “Denied Persons List or Entity List” or any other U.S. export control list, or if the transaction would otherwise be illegal under any applicable law or regulation.

Miscellaneous

The Company’s failure to exercise or enforce any right or provision of these Terms will not be deemed to be a waiver of such right or provision. If any provision of these Terms is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that (except as otherwise provided in Paragraph 11) the arbitrator or court should endeavor to give effect to the parties’ intentions as reflected in the provision or the provision shall be deemed severable, and the other provisions of these Terms remain in full force and effect. The paragraph or section titles in these Terms are for convenience only and have no legal or contractual effect. These Terms represent the entire understanding of the parties regarding its subject matter, and supersede all prior and contemporaneous agreements and understandings between the parties regarding its subject matter, and may not be amended, altered or waived except in a writing signed by the party to be charged or as otherwise expressly provided herein. These Terms are binding upon and shall inure to the benefit of parties and their respective successors, heirs, executor, administrators, personal representatives and permitted assigns. You may not assign your rights or obligations hereunder without the Company’s prior written consent, and any such unauthorized assignment shall be null and void.

Contact Us

If you have any questions or concerns regarding these Terms or your use of any CashBay Sites and Features or our Services, please contact us by using the “Contact Us”, “Contact Member Services” or similar contact link in the footer of any of the CashBay Sites, or by mail to: [email protected], 1204 Geneva, Switzerland