Manyworlds Group Inc., DBA Manyworlds Corporation: Terms of Use
Last Modified: May 2026
Manyworlds Group Inc., DBA Manyworlds Corporation (hereinafter “Manyworlds,” “we,” or
“us”) welcomes you. This page explains the terms by which you may use our mobile
application (the “App”). Manyworlds is a technology company and does not itself provide
banking, securities brokerage, or investment advisory services. Through the App, Manyworlds
provides technology infrastructure that enables you to access such services offered by third-
party Financial Service Providers, including banking institutions, licensed securities broker-
dealers, and registered investment advisors (collectively, the App and the technology-enabled
access to such services are referenced as “Services”).
By creating an account that will facilitate your use of the Services (an “Account”), or by
otherwise manifesting your assent to these Terms of Use, you signify that you have read,
understood, and agree to be bound by these Terms of Use and the Service Schedule(s) for any
Service(s) that you have accessed through Manyworlds (collectively, the “Agreement”). By
applying for any Service facilitated through our Financial Service Providers, you signify that you
have read, understood, and agree to be bound by the applicable agreements of such Financial
Service Providers for your Account. For the purposes of this Agreement, “Financial Service
Providers” means, collectively: (i) banking institutions that provide banking services, including
demand deposit accounts (“Deposit Account”), savings accounts (“Savings Account”), and/or
charge and debit cards (“Cards”) (each, a “Banking Provider”); (ii) licensed securities broker-
dealers that provide securities brokerage services, including the purchase, sale, and custody of
securities and related investment products (each, a “Brokerage Provider”); and (iii) registered
investment advisors that provide investment advisory services, including portfolio management
and financial planning (each, an “Advisory Provider”), in each case depending on which
Services you access through Manyworlds (the accounts and arrangements maintained with
Financial Service Providers are collectively referred to as “Provider Accounts”). For the
avoidance of doubt, Manyworlds does not provide banking, securities brokerage, or
investment advisory services itself; Manyworlds solely provides the technology platform
through which you may obtain pass-through access to such services from Financial Service
Providers.
By accepting these Terms of Use, you acknowledge and agree that you are a direct
counterparty and/or customer of Manyworlds Group Inc., DBA Manyworlds Corporation for the
purpose of accessing and using Manyworlds’ technology, platform, and Services. In this
capacity, Manyworlds has the authority and the right to conduct Know Your Customer (“KYC”)
verification procedures, including the collection, processing, and retention of identity
documentation and related personal information, as required by applicable law or as deemed
necessary by Manyworlds in its sole discretion for the purposes of regulatory compliance,
fraud prevention, and risk management. You further acknowledge and consent that
Manyworlds may collect, store, and hold your customer data and personal information for the
duration of your use of the Services and for a period of five (5) years following the termination
or cessation of your use of the Services, or as otherwise required by applicable law, whichever
period is longer. This retention right applies regardless of the reason for termination and
survives the expiration or termination of this Agreement.
Manyworlds reserves the right to make modifications to these terms and will provide notice of
these changes by posting an updated version to our legal page. “You” means the legal entity or
individual that is applying for or that has opened an Account to use the Services. You may use
the Services only if you can form a binding agreement with Manyworlds. If you are opening the
Account on behalf of a company, you represent and warrant that you are an authorizedrepresentative of the company with the authority to bind the company to this Agreement
(“Administrator”) and that that company can form a binding contract with Manyworlds. PLEASE
READ THIS AGREEMENT CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH
PROVISION. THIS AGREEMENT CONTAINS A MANDATORY INDIVIDUAL ARBITRATION AND
CLASS ACTION/JURY TRIAL WAIVER PROVISION THAT REQUIRES THE USE OF
ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY
TRIALS OR CLASS ACTIONS.
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1. Use of the Services
**Eligibility.** This is a contract between you and Manyworlds. You must read and agree to
these terms before using the Services. If you do not agree, you may not use the Services. You
may only apply for an Account, and use the applicable Services under such Account, if you are
at least 18 years of age (for personal accounts) or a legal entity duly formed and registered in a
jurisdiction authorized by Manyworlds and/or its Financial Service Providers. You may only use
the Services in compliance with this Agreement and all applicable local, state, national, and
international laws, rules, and regulations. Except with respect to access to personal accounts,
any use of or access to the Services for consumer or non-commercial purposes by anyone
who is not your employee, contractor, agent, or other individual permitted to use your Account
on your behalf (“User”) is strictly prohibited and in violation of this Agreement.
**Identity Verification.** To access the App and use the Services, each User must successfully
complete Manyworlds’ identity verification process, which includes: (i) submission of a valid,
current government-issued passport; and (ii) completion of a live video facial recognition check
to confirm that the User’s identity matches the photograph in the submitted passport. By
submitting to this process, you expressly authorize and consent to Manyworlds and its
authorized third-party service providers collecting, processing, and retaining your identity and
biometric data for the purpose of verifying your identity and conducting a world-check
screening report against applicable sanctions, watchlist, politically exposed persons (PEP), and
background databases.
**Additional Eligibility Requirements.** In addition to the foregoing, you represent and warrant
on a continuing basis that: (a) you are not, and are not acting on behalf of any person or entity
that is, subject to sanctions administered or enforced by the United States (including OFAC),
the European Union, or the United Kingdom, nor are you located in or a national of any country
or territory subject to comprehensive U.S., EU, or UK sanctions; (b) you have no outstanding
criminal convictions, no pending criminal charges, and no outstanding misdemeanor
judgments that would, in Manyworlds’ sole discretion, render you ineligible to use the Services;
and (c) all information submitted during identity verification is true, accurate, current, and
complete. Manyworlds reserves the right to deny, suspend, or terminate any Account at any
time if any eligibility requirement is not met or is subsequently found to be unsatisfied.
**Creating an Account.** Your Account may give you access to certain Services, including
Services provided through the Provider Accounts, and any other functionality that we may
establish and maintain from time to time and in our sole discretion. You will need to provide
certain company information and/or personal information (collectively, “Customer Information”)
when you create an Account. Customer Information may include individual consumer
information (for personal accounts), or your registered business name and state of
incorporation, the business address, ownership details, the nature of the business, and other
business information we may request from time to time; the name, contact information, and
date of birth of Administrators, Users or beneficial owners, and other personal information; anda corporate registration certificate, proof of address, personal identification, and any other
documentary information used to verify business and personal information. We provide
Customer Information to our Financial Service Providers and other third-party service providers
to determine your eligibility for access to certain Services. We rely on the accuracy of the
Customer Information you provide us when opening and maintaining your Account. We may
deny your applications, suspend provision of such Services to you, or close your Account if
Customer Information is out of date, incomplete, or inaccurate. By creating an Account, you
represent that you are a legal owner of, and that you are authorized to provide us with, all
Customer Information and other information necessary to facilitate your use of the Services.
**Account Management and Security.** You must specify at least one Administrator to manage
your Account when submitting your application. Administrators can add, remove, or manage
additional Administrators and Users; request and manage Cards for Users; view transactions
and run reports; provide or update Customer Information; connect third-party services, and
other accounts to your Account; and perform other tasks to manage your Account. You are
responsible for any actions or failure to act on the part of Administrators or Users, or those
using their credentials to access your Account. You are solely responsible for the activity that
occurs on your Account, and you must keep your Account secure. We encourage you to use
“strong” passwords (for recommendations on what constitutes a strong password, check the
National Institute of Standards and Technology (NIST)) with your Account. MFA is required; we
encourage you to use strong second factors such as security keys. You must notify
Manyworlds immediately of any breach of security or unauthorized use of your Account.
Manyworlds will not be liable for any losses caused by any unauthorized use of your Account.
We may suspend access to your Account if we believe that your Account has been
compromised.
**Prohibitions.** You agree that you will not: (a) use the Account or the Services for any purpose
that is unlawful or prohibited by this Agreement; (b) use the Account or the Services for any
personal, family, household, or other non-commercial purposes (with the exception for
personal account(s)); (c) use the Account or the Services for the benefit, either directly or
indirectly, of an individual, organization, or country identified on the United States Office of
Foreign Asset Control’s Specially Designated Nationals List or any other U.S. Government list
of prohibited or restricted parties; (d) use the Account or the Services for any third parties; (e)
use the Account or the Services to collect any market research for a competing business; (f)
impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with
a person or entity; (g) interfere with or attempt to interrupt the proper operation of the Services
through the use of any virus, device, information collection or transmission mechanism,
software or routine, or access or attempt to gain access to any Manyworlds IP, data, files, or
passwords related to the Services through hacking, password or data mining, or any other
means; (h) decompile, reverse engineer, or disassemble any software or other products or
processes accessible through the Services; (i) circumvent, remove, alter, deactivate, degrade,
or thwart any of the Content protections in the Services; (j) use any robot, spider, scraper, or
other automated means to access the Services for any purpose without our express, written
permission; provided, however, we grant the operators of public search engines permission to
use spiders to copy materials from the public portions of the Services for the sole purpose of,
and solely to the extent necessary for, creating publicly-available searchable indices of the
materials, but not caches or archives of such materials; (k) take any action that imposes or may
impose (in our sole discretion) an unreasonable or disproportionately large load on our
technical infrastructure; (l) use the Account or the Services for any inappropriate, improper,
discriminatory, illegal, or otherwise harmful purpose or to violate, or encourage the violation of,
the rights of others, each as reasonably determined by Manyworlds; and (m) use the Account
or the Services to engage in abusive, harassing, threatening, offensive, or otherwise improper
conduct towards Manyworlds or its employees, agents, service providers, partners, or other
customers.**Beta Services.** Manyworlds may make certain Services, features, or functionalities available
to you, which we may designate as a beta, pilot, limited release, evaluation, or by a similar
description, to be used in conjunction with or separate from the Services (“Beta Services”). You
may accept or decline any such Beta Services at your sole discretion. You acknowledge that
Beta Services may be unstable, feature-incomplete, contain bugs, and subject to erroneous
output and operation. Manyworlds may describe limitations that exist within a Beta Service;
however, your reliance on the accuracy or completeness of these descriptions is at your own
risk. You should not use Beta Services for any critical or important functions without taking
appropriate precautions to prevent loss or damage resulting from such use.
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2. Our Proprietary Rights
Subject to the terms and conditions of this Agreement, you are hereby granted a non-
exclusive, limited, non-transferable, freely revocable license to use the Services as permitted
by the features of the Services. Manyworlds reserves all rights not expressly granted herein in
the Services and the Manyworlds IP (as defined below). Manyworlds may terminate this license
at any time for any reason or no reason. The Services and all materials therein or transferred
thereby, including, without limitation, software, images, text, graphics, illustrations, logos,
patents, trademarks, service marks, copyrights, photographs, audio, videos, music, and User
Content belonging to other Users (the “Manyworlds IP”), and all Intellectual Property Rights
related thereto, are the exclusive property of Manyworlds and its licensors. Except as explicitly
provided herein, nothing in this Agreement shall be deemed to create a license in or under any
such Intellectual Property Rights, and you agree not to sell, license, rent, modify, distribute,
copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create
derivative works from any Manyworlds IP. Use of the Manyworlds IP for any purpose not
expressly permitted by this Agreement is strictly prohibited.
You may choose to, or we may invite you to, submit comments or ideas about the Services,
including without limitation about how to improve the Services or our products (“Feedback”).
By submitting any Feedback, you agree that your disclosure is gratuitous, unsolicited and
without restriction, and will not place Manyworlds under any fiduciary or other obligation, and
that we are free to use your Feedback without any additional compensation to you, or to
disclose your Feedback on a non-confidential basis or otherwise to anyone. You further
acknowledge that, by acceptance of your submission, Manyworlds does not waive any rights
to use similar or related ideas previously known to Manyworlds, or developed by its
employees, or obtained from sources other than you.
For the purposes of this Agreement, “Intellectual Property Rights” means all patent rights,
copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and
service mark rights, goodwill, trade secret rights and other intellectual property rights as may
now exist or hereafter come into existence, and all applications therefore and registrations,
renewals and extensions thereof, under the laws of any state, country, territory or other
jurisdiction.
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3. App Data and Privacy
As between you and Manyworlds, you will retain all rights, title, and interests in and to your
Customer Information, personal information, and any other information submitted by youthrough the Services (collectively, “User Content”). By using the Services, you grant
Manyworlds a non-exclusive, royalty-free, license during the Term to collect, use, disclose,
combine, transmit, format, and display User Content for the purposes provided in the Privacy
Policy. Additionally, you grant Manyworlds the right to aggregate data we collect from your use
of the Services (“App Data”) and use such App Data for our business purposes. You also
acknowledge and agree that by using the Services, User Content and App Data may be
collected, used, transferred and processed for the purposes and as described in the Privacy
Policy. Manyworlds uses commercially reasonable physical, managerial, and technical
safeguards to preserve the integrity and security of your Customer Information and implement
your privacy settings. However, we cannot guarantee that unauthorized third parties will never
be able to defeat our security measures or use User Content for improper purposes. You
acknowledge that you provide User Content at your own risk. Your use of the Provider
Accounts is subject to the privacy policies and terms of our respective Financial Service
Providers (Banking Providers, Brokerage Providers, and Advisory Providers).
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4. Third-Party Links and Information
The Services may contain links to third-party materials that are not owned or controlled by
Manyworlds. Manyworlds does not endorse or assume any responsibility for any such third-
party services, information, materials, products, or Services. If you access a third-party
application or service from the Services, you do so at your own risk, and you understand that
this Agreement and Manyworlds’s Privacy Policy do not apply to your use of such third-party
services. You expressly relieve Manyworlds from any and all liability arising from your use of
any third-party applications, services, or content. Additionally, your dealings with or
participation in promotions of advertisers found on the Services, including payment and
delivery of goods, and any other terms (such as warranties) are solely between you and such
advertisers. You agree that Manyworlds shall not be responsible for any loss or damage of any
sort relating to your dealings with such advertisers.
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5. Representations and Warranties; Indemnification
You hereby represent, warrant, and covenant that:
– You own or have the necessary licenses, rights, consents, and permissions to all trademark,
trade secret, copyright, or other proprietary, privacy, and publicity rights in and to your User
Content and any other works that you incorporate into your User Content, and all the rights
necessary to grant the licenses and permissions you grant hereunder; and
– Use of User Content in the manners contemplated in this Agreement shall not violate or
misappropriate the intellectual property, privacy, publicity, contractual, or other rights of any
third party.
You agree to defend, indemnify and hold harmless Manyworlds and its subsidiaries, agents,
licensors, managers, and other affiliated companies, and their employees, contractors, agents,
officers and directors, our Financial Service Providers (including Banking Providers, Brokerage
Providers, and Advisory Providers), and our third-party service providers, from and against any
and all third-party claims, damages, obligations, losses, liabilities, costs or debt, and expenses
(including but not limited to attorney’s fees) arising out of, related to, or resulting from: (a) your
use of and access to the Services, including any data or content transmitted or received by
you; (b) your violation of any term of this Agreement, including without limitation your breach ofany of the representations and warranties above; (c) your violation of any third-party right,
including without limitation any right of privacy or Intellectual Property Rights; (d) your violation
of any applicable law, rule or regulation; (e) your intentional misconduct; or (f) any other party’s
access and use of the Services with your unique username, password or other appropriate
security mechanism.
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6. No Warranty
THE SERVICES, INCLUDING BETA SERVICES, ARE PROVIDED ON AN “AS IS” AND “AS
AVAILABLE” BASIS. USE OF THE SERVICES IS AT YOUR OWN RISK. TO THE MAXIMUM
EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED WITHOUT
WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT
LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, OR NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR
WRITTEN, OBTAINED BY YOU FROM MANYWORLDS OR THROUGH THE SERVICES WILL
CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. WITHOUT LIMITING THE
FOREGOING, MANYWORLDS, ITS SUBSIDIARIES, ITS AFFILIATES, AND ITS LICENSORS DO
NOT WARRANT THAT THE INFORMATION PROVIDED TO YOU THROUGH THE SERVICES IS
ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICES WILL MEET YOUR
REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR
LOCATION, UNINTERRUPTED OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE
CORRECTED; OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL
COMPONENTS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE
USE OF THE SERVICES IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY
RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR
LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD OR YOUR USE OF THE
SERVICES.
MANYWORLDS DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME
RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD
PARTY THROUGH THE SERVICES OR ANY HYPERLINKED WEBSITE OR SERVICE, AND
MANYWORLDS WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION
BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
WITHOUT LIMITING THE FOREGOING, MANYWORLDS EXPRESSLY DOES NOT WARRANT
THAT: (I) THE APP OR ANY UNDERLYING TECHNOLOGY INFRASTRUCTURE WILL OPERATE
WITHOUT INTERRUPTION, DELAY, DOWNTIME, MALFUNCTION, OR ERROR AT ANY TIME;
(II) ACCESS TO PROVIDER ACCOUNTS — INCLUDING BANKING, SECURITIES
BROKERAGE, OR INVESTMENT ADVISORY SERVICES OFFERED BY FINANCIAL SERVICE
PROVIDERS — WILL BE CONTINUOUSLY OR UNINTERRUPTEDLY AVAILABLE; (III) ANY
MALFUNCTION, SOFTWARE BUG, TECHNICAL ERROR, LATENCY, OR PERIOD OF
DOWNTIME WILL NOT ADVERSELY AFFECT YOUR ABILITY TO EXECUTE FINANCIAL
TRANSACTIONS, SUBMIT ORDERS, OR ACT UPON ACCOUNT INSTRUCTIONS IN A TIMELY
MANNER; OR (IV) THE TECHNOLOGY INFRASTRUCTURE WILL PERFORM IN A MANNER
THAT MEETS OR SUPPORTS ANY PARTICULAR FINANCIAL OUTCOME, INVESTMENT
OBJECTIVE, OR TRADING STRATEGY. USER ACKNOWLEDGES THAT FINANCIAL AND
SECURITIES MARKETS ARE TIME-SENSITIVE IN NATURE AND THAT MANYWORLDS MAKES
NO GUARANTEE WHATSOEVER THAT THE APP WILL BE AVAILABLE OR FUNCTIONING AT
THE PRECISE TIME NEEDED TO EXECUTE ANY TRANSACTION, ORDER, OR INSTRUCTION,
OR TO TAKE ADVANTAGE OF ANY MARKET OPPORTUNITY OR PRICE LEVEL. ANY LOSS OF
OPPORTUNITY, ADVERSE MARKET MOVEMENT, OR OTHER ECONOMIC CONSEQUENCEARISING FROM THE UNAVAILABILITY OR IMPAIRED FUNCTIONING OF THE APP IS
EXPRESSLY EXCLUDED FROM ANY WARRANTY PROVIDED HEREIN.
MANYWORLDS EMPLOYS COMMERCIALLY REASONABLE AND INDUSTRY-STANDARD
TECHNICAL, ADMINISTRATIVE, AND PHYSICAL SECURITY MEASURES — INCLUDING
ENCRYPTION, ACCESS CONTROLS, AND PERIODIC SECURITY ASSESSMENTS —
DESIGNED TO PROTECT USER DATA AND CUSTOMER INFORMATION FROM
UNAUTHORIZED ACCESS, DISCLOSURE, ALTERATION, OR DESTRUCTION.
NOTWITHSTANDING THE FOREGOING AND DESPITE MANYWORLDS’ BEST EFFORTS, NO
SECURITY SYSTEM IS IMPENETRABLE OR FULLY IMMUNE TO CYBERATTACK,
UNAUTHORIZED INTRUSION, OR DATA BREACH. MANYWORLDS DOES NOT WARRANT
THAT USER DATA, CUSTOMER INFORMATION, OR PROVIDER ACCOUNT INFORMATION
WILL BE FREE FROM UNAUTHORIZED ACCESS OR THAT ANY SECURITY BREACH WILL BE
PREVENTED IN ALL CIRCUMSTANCES. BY USING THE SERVICES, USER EXPRESSLY
ACKNOWLEDGES THIS INHERENT RISK.
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7. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL
MANYWORLDS, ITS AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES, SUPPLIERS OR
LICENSORS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL,
CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION
DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE
LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE
SERVICES. UNDER NO CIRCUMSTANCES WILL MANYWORLDS BE RESPONSIBLE FOR
ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING, TAMPERING OR OTHER
UNAUTHORIZED ACCESS OR USE OF THE SERVICES OR YOUR ACCOUNT OR THE
INFORMATION CONTAINED THEREIN.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, MANYWORLDS SHALL NOT
BE LIABLE TO USER OR ANY THIRD PARTY FOR ANY FINANCIAL LOSS, LOST INVESTMENT
OPPORTUNITY, MISSED TRADE OR ORDER EXECUTION, LOSS OF ANTICIPATED PROFITS
OR RETURNS, ADVERSE PRICE MOVEMENT, PORTFOLIO DEPRECIATION, OR ANY OTHER
DIRECT, INDIRECT, OR CONSEQUENTIAL ECONOMIC LOSS OR DAMAGE OF ANY KIND
ARISING OUT OF OR RELATED TO: (I) ANY PERIOD OF DOWNTIME, UNAVAILABILITY,
INTERRUPTION, DELAY, SLOWDOWN, SUSPENSION, OR MALFUNCTION OF THE APP OR
ANY TECHNOLOGY INFRASTRUCTURE USED TO FACILITATE ACCESS TO FINANCIAL
SERVICE PROVIDER ACCOUNTS; (II) ANY SOFTWARE BUGS, CODING ERRORS, DEFECTS,
DATA CORRUPTION, OR SYSTEM FAILURES THAT PREVENT, DELAY, OR INCORRECTLY
PROCESS THE EXECUTION OF INSTRUCTIONS, TRANSACTIONS, OR ORDERS ON OR
THROUGH FINANCIAL SERVICE PROVIDER ACCOUNTS; (III) ANY FAILURE OR DELAY BY A
FINANCIAL SERVICE PROVIDER TO PROCESS, EXECUTE, CONFIRM, OR SETTLE ANY
INSTRUCTION, ORDER, OR TRANSACTION SUBMITTED THROUGH THE APP, REGARDLESS
OF CAUSE; (IV) ANY MARKET CONDITION, PRICE MOVEMENT, LIQUIDITY EVENT, OR
OTHER FINANCIAL CIRCUMSTANCE THAT OCCURS DURING ANY PERIOD IN WHICH THE
APP IS UNAVAILABLE, DEGRADED, OR EXPERIENCING TECHNICAL DIFFICULTIES; OR (V)
ANY DECISION MADE OR NOT MADE BY USER BASED ON INFORMATION, DATA, OR
FUNCTIONALITY PROVIDED THROUGH THE APP. USER ACKNOWLEDGES THAT
MANYWORLDS PROVIDES TECHNOLOGY ACCESS SERVICES ONLY, IS NOT A FINANCIAL
SERVICE PROVIDER, AND IS NOT RESPONSIBLE FOR THE PERFORMANCE, EXECUTION
QUALITY, LIQUIDITY, AVAILABILITY, OR OUTCOME OF ANY FINANCIAL SERVICE, SECURITY,INVESTMENT PRODUCT, OR FINANCIAL TRANSACTION ACCESSIBLE THROUGH THE APP.
USER ASSUMES FULL RESPONSIBILITY FOR ALL FINANCIAL DECISIONS AND
ASSOCIATED RISKS IN CONNECTION WITH USE OF THE SERVICES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, USER AGREES TO HOLD
MANYWORLDS, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND
LICENSORS HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, LOSSES,
LIABILITIES, DAMAGES, COSTS, FINES, OR EXPENSES (INCLUDING REASONABLE
ATTORNEYS’ FEES) ARISING OUT OF OR RELATED TO ANY UNAUTHORIZED ACCESS TO,
ACQUISITION OF, DISCLOSURE OF, ALTERATION OF, OR DESTRUCTION OF USER DATA,
CUSTOMER INFORMATION, OR PROVIDER ACCOUNT INFORMATION, INCLUDING BUT
NOT LIMITED TO ANY DATA BREACH, CYBERATTACK, RANSOMWARE EVENT, OR OTHER
SECURITY INCIDENT AFFECTING THE APP OR ITS UNDERLYING INFRASTRUCTURE,
WHETHER CAUSED BY THIRD-PARTY ACTORS, FORCE MAJEURE, OR OTHERWISE. THIS
HOLD-HARMLESS PROVISION APPLIES NOTWITHSTANDING ANY FAILURE OF ESSENTIAL
PURPOSE OF ANY LIMITED REMEDY AND REGARDLESS OF THE FORM OF ACTION.
MANYWORLDS’ OBLIGATION HEREUNDER IS LIMITED TO EMPLOYING COMMERCIALLY
REASONABLE SECURITY PRACTICES; IT DOES NOT EXTEND TO GUARANTEEING
ABSOLUTE SECURITY OR PREVENTING ALL POSSIBLE SECURITY INCIDENTS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MANYWORLDS ASSUMES
NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES
OF CONTENT; (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE
WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF OUR SERVICES; (III) ANY
UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL
PERSONAL INFORMATION STORED THEREIN; (IV) ANY INTERRUPTION OR CESSATION OF
TRANSMISSION TO OR FROM THE SERVICES; (V) ANY BUGS, VIRUSES, TROJAN HORSES,
OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY
THIRD PARTY; (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR
DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED,
TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE SERVICES; AND/OR (VII)
USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY
THIRD PARTY. IN NO EVENT SHALL MANYWORLDS, ITS AFFILIATES, AGENTS, DIRECTORS,
EMPLOYEES, SUPPLIERS, OR LICENSORS BE LIABLE TO YOU FOR ANY CLAIMS,
PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN
AMOUNT EXCEEDING $40.00 USD.
THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS
BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS,
EVEN IF MANYWORLDS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THE
FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT
PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
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8. Term and Termination
This Agreement is effective when you start using our Services and continues until terminated
by either you or us, or in accordance with the Provider Account agreements or as otherwise set
forth in this Agreement (the “Term”). You may terminate this Agreement by paying all amounts
you owe and providing notice to us; except that you will still be responsible for any charges,
fees, fines, and other losses caused by your action or inaction prior to terminating this
Agreement. We may terminate this Agreement, or suspend your Account, in Manyworlds’sdiscretion or as provided in the Provider Account agreements. We will provide notice of
termination or suspension to the extent permitted by applicable law.
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9. Changes to this Agreement
This Agreement is effective as of the Last Modified date stated at the top. We may change this
Agreement from time to time. Any such changes will be posted within the App. By accessing
the Services after we make any such changes to this Agreement, you are deemed to have
accepted such changes. Please refer back to this Agreement on a regular basis.
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10. Governing Law, Arbitration, and Class Action/Jury Trial Waiver
**Governing Law.** This Agreement shall be governed by the laws of the Republic of Armenia,
without respect to its conflict of laws principles. You agree to submit to the personal
jurisdiction of the competent courts of the Republic of Armenia for any actions for which we
retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to
prevent the actual or threatened infringement, misappropriation or violation of our copyrights,
trademarks, trade secrets, patents, or other intellectual property or proprietary rights, as set
forth in the Arbitration provision below, including any provisional relief required to prevent
irreparable harm. Subject to Section 10B, you agree that the competent courts of the Republic
of Armenia are the proper forum for any appeals of an arbitration award or for trial court
proceedings in the event that the Arbitration provision below is found to be unenforceable.
**Arbitration.** READ THIS SECTION CAREFULLY BECAUSE IT REQUIRES THE PARTIES TO
ARBITRATE THEIR DISPUTES AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF
FROM MANYWORLDS. For any claim, dispute, or controversy with Manyworlds (a “Claim”),
you agree to first contact us at legal@manyworlds.com and attempt to resolve the dispute with
us informally. In the unlikely event that Manyworlds has not been able to resolve a dispute it
has with you after sixty (60) days, such dispute will be finally and exclusively resolved by
binding arbitration in accordance with the laws of the Republic of Armenia governing
arbitration. Any election to arbitrate, at any time, shall be final and binding on the other party.
NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO
HAVE A JURY TRIAL, EXCEPT EITHER PARTY MAY BRING ITS CLAIM IN ITS LOCAL SMALL
CLAIMS COURT, IF PERMITTED BY THAT SMALL CLAIMS COURT RULES AND IF WITHIN
SUCH COURT’S JURISDICTION. ARBITRATION IS DIFFERENT FROM COURT, AND
DISCOVERY AND APPEAL RIGHTS MAY ALSO BE LIMITED IN ARBITRATION. All disputes will
be resolved before a neutral arbitrator selected jointly by the parties, whose decision will be
final, except for a limited right of appeal under applicable Armenian law. The arbitration shall be
commenced and conducted by a mutually agreed neutral arbitration institution in accordance
with its then-current arbitration rules and procedures, or, where appropriate, pursuant to such
institution’s Streamlined Arbitration Rules and Procedures. Each party will be responsible for
paying any arbitration filing, administrative, and arbitrator fees in accordance with the
applicable arbitration rules. Judgment on the arbitrator’s award may be entered in any court
having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in
aid of arbitration from a court of appropriate jurisdiction. The arbitration may be conducted in
person, through the submission of documents, by phone, or online. If conducted in person, the
arbitration shall take place in the Republic of Armenia. The parties may litigate in court to
compel arbitration, to stay a proceeding pending arbitration, or to confirm, modify, vacate, or
enter judgment on the award entered by the arbitrator. The parties shall cooperate in good faithin the voluntary and informal exchange of all non-privileged documents and other information
(including electronically stored information) relevant to the Claim immediately after
commencement of the arbitration. Nothing in this Section shall be deemed as preventing either
party from seeking injunctive or other equitable relief from the courts as necessary to prevent
the actual or threatened infringement, misappropriation, or violation of our data security,
Intellectual Property Rights or other proprietary rights. Proceedings and information related to
them will be maintained as confidential, including the nature and details of the Claim, evidence
produced, testimony given, and the outcome of the Claim, unless such information was already
in the public domain or was independently obtained. You and Manyworlds, and all witnesses,
advisors, and arbitrators will only share such information as necessary to prepare for or
conduct arbitration or other legal proceeding, or enforcement of the outcome, unless additional
disclosure is required by law.
**Class Action Waiver.** You agree that any arbitration or proceeding shall be limited to the
Claims between us and you individually. To the full extent permitted by law, (i) no arbitration or
proceeding shall be joined with any other; (ii) there is no right or authority for any Claim to be
arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there
is no right or authority for any Claim to be brought in a purported representative capacity on
behalf of the general public or any other persons. YOU AGREE THAT YOU MAY BRING
CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR
CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
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11. Downloading the App
We make the App available through the Google Play Store or Apple App Store. The following
terms apply to the App when accessed through or downloaded from the Apple App Store
where the App may now or in the future be made available. You acknowledge and agree that:
– These Terms of Use are between you and Manyworlds, and not with Apple, and Manyworlds
(not Apple) is solely responsible for the App. Apple has no obligation to furnish any
maintenance and support services with respect to the App.
– In the event of any failure of the App to conform to any applicable warranty, you may notify
Apple, and Apple will refund the purchase price for the App to you (if applicable) and, to the
maximum extent permitted by applicable law, Apple will have no other warranty obligation
whatsoever with respect to the App. Any other claims, losses, liabilities, damages, costs or
expenses attributable to any failure to conform to any warranty will be the sole responsibility of
Manyworlds.
– Apple is not responsible for addressing any claims you have or any claims of any third party
relating to the App or your possession and use of the App, including, but not limited to: (i)
product liability claims; (ii) any claim that the App fails to conform to any applicable legal or
regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.
– In the event of any third party claim that the App or your possession and use of that App
infringes that third party’s intellectual property rights, Manyworlds will be solely responsible for
the investigation, defense, settlement, and discharge of any such intellectual property
infringement claim to the extent required by this Agreement.
– Apple and its affiliates are third-party beneficiaries of this Agreement as related to your
license to the App, and that, upon your acceptance of this Agreement, Apple will have the right
(and will be deemed to have accepted the right) to enforce this Agreement as related to your
license of the App against you as a third-party beneficiary thereof.
– You represent and warrant that (i) you are not located in a country that is subject to a U.S.
Government embargo, or that has been designated by the U.S. Government as a terrorist-supporting country; (ii) you are not listed on any U.S. Government list of prohibited or restricted
parties; (iii) you are not an individual, or associated with an entity, designated under the UK’s
Terrorist Asset-Freezing etc. Act 2010 (TAFA 2010); and (iv) you are not otherwise subject to or
affected in any way by any national security or terrorism-related rules whether applicable to
you personally or to your location or other circumstances.
– You must also comply with all applicable third-party terms of service when using the App.
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12. General
**Assignment.** This Agreement, and any rights and licenses granted hereunder, may not be
transferred or assigned by you, but may be assigned by Manyworlds without restriction. Any
attempted transfer or assignment in violation hereof shall be null and void.
**Notification Procedures and Changes to the Agreement.** You consent to us providing
notices to you under this Agreement electronically. We may provide notices to you
electronically through your Account, or via email, text, or SMS to the email address or phone
numbers provided to us by Administrators and Users. If you sign up to receive certain
Manyworlds notifications or information via text or SMS, you may incur additional charges from
your wireless provider for these notices. You agree that you are solely responsible for any such
charges. You understand that you may not use the Services unless you consent to receive
notices from us electronically. You may only withdraw consent to receive notices electronically
by closing your Account. Notices may include alerts about the Services, your Account, and
your Provider Accounts and may provide Administrators and Users the ability to respond with
information about Provider Account transactions or your Account. Administrators and Users
may disable certain notification preferences. Administrators and Users are required to maintain
a regularly updated web browser, and computer and mobile device operating systems to
receive notices correctly. Administrators and Users will be responsible for all costs imposed by
internet or mobile service providers for sending or receiving notices electronically. Contact us
immediately at help@manyworlds.com if you are having trouble receiving notices from us.
**Entire Agreement/Severability.** This Agreement, together with any amendments and any
additional agreements you may enter into with Manyworlds in connection with the Services,
shall constitute the entire agreement between you and Manyworlds concerning your Account
and the Services. If any provision of this Agreement is deemed invalid by a court of competent
jurisdiction, the invalidity of such provision shall not affect the validity of the remaining
provisions of this Agreement, which shall remain in full force and effect, except that in the event
of unenforceability of the universal Class Action/Jury Trial Waiver, the entire arbitration
agreement shall be unenforceable.
**No Waiver.** No waiver of any term of this Agreement shall be deemed a further or continuing
waiver of such term or any other term, and Manyworlds’s failure to assert any right or provision
under this Agreement shall not constitute a waiver of such right or provision.
**Legal Orders.** We may respond to and comply with any subpoenas, warrants, liens, or any
other legal order we receive related to your use of the Services. We are not responsible to you
for any losses you incur due to our response to such legal order. We may hold funds or provide
information as required by the issuer of the legal order or take any other actions we believe are
required of us under legal orders. Where permitted, we will provide you reasonable notice that
we have received such an order.**Survival.** Sections 1C (Account Management), 2 (Our Proprietary Rights), 3 (App Data and
Privacy), 5 (Representations and Warranties; Indemnification), 6 (No Warranties), 7 (Limitation of
Liability), 8 (Term and Termination), 10 (Governing Law, Arbitration, and Class Action/Jury Trial
Waiver), and this Section 12 (General); and any other provisions of this Agreement giving rise to
continued obligations of the parties will survive termination of this Agreement.
**Electronic Documents and Signatures.** Manyworlds facilitates the completion and/or
execution of electronic documents between parties. Nothing in the Agreement may be
construed to make Manyworlds a party to or liable for any electronic documents processed
through the Services. Users consent to the use of electronic signatures and understand that
this consent has the same legal effect as a physical signature. Manyworlds is not responsible
for determining how long documents and other records are required to be retained or stored
and is not responsible for or liable to produce any of Customer’s electronic documents or other
documents to any third parties.