MoneyFlap | The World's Most Rewarding Money Super app.

Terms of Service

Introduction

These Terms of Service (the “Terms”) apply as an agreement between any parent entity, subsidiary, affiliates, or legal entity belonging to the MoneyFlap group (also referred to in these Terms as “we”, “our”, “ours”, “us”, “MoneyFlap”) and the User (also referred to as “you”, “your” or “yours”). By using the website located at https://www.moneyflap.com, the related mobile website, and the mobile application (collectively, the “Websites”), you agree to be bound by these Terms of Service (this “Terms of Service” or “Agreement”), whether or not you register as a client of MoneyFlap ("Client"). If you wish to become a client and/or make use of the service (the “Service”), please read this Agreement. If you object to anything in this Agreement or the MoneyFlap Privacy Policy, do not use the Service.
This Agreement is subject to change by MoneyFlap at any time, effective upon posting on the relevant website. Your continued use of the Websites and the Service following MoneyFlap posting of revised terms of any section of the Agreement will constitute your express and binding acceptance of and consent to the revised Agreement.
PLEASE READ THIS AGREEMENT CAREFULLY AS IT CONTAINS IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS, INCLUDING VARIOUS LIMITATIONS AND EXCLUSIONS, AND A DISPUTE RESOLUTION CLAUSE THAT GOVERNS HOW DISPUTES WILL BE RESOLVED.

These Terms of Service (the “Terms”) apply as an agreement between any parent entity, subsidiary, affiliates, or legal entity belonging to the MoneyFlap group (also referred to in these Terms as “we”, “our”, “ours”, “us”, “MoneyFlap”) and the User (also referred to as “you”, “your” or “yours”). By using the website located at https://www.moneyflap.com, the related mobile website, and the mobile application (collectively, the “Websites”), you agree to be bound by these Terms of Service (this “Terms of Service” or “Agreement”), whether or not you register as a client of MoneyFlap ("Client"). If you wish to become a client and/or make use of the service (the “Service”), please read this Agreement. If you object to anything in this Agreement or the MoneyFlap Privacy Policy, do not use the Service.
This Agreement is subject to change by MoneyFlap at any time, effective upon posting on the relevant website. Your continued use of the Websites and the Service following MoneyFlap posting of revised terms of any section of the Agreement will constitute your express and binding acceptance of and consent to the revised Agreement.
PLEASE READ THIS AGREEMENT CAREFULLY AS IT CONTAINS IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS, INCLUDING VARIOUS LIMITATIONS AND EXCLUSIONS, AND A DISPUTE RESOLUTION CLAUSE THAT GOVERNS HOW DISPUTES WILL BE RESOLVED.

Electronic Agreement:

This electronic contract sets out the legally binding terms of your use of the Websites and the Service. This Agreement may be modified by MoneyFlap from time to time, such modifications to be effective upon posting by MoneyFlap on the Websites. By accessing and/or using the Websites or becoming a client, you accept this Agreement and agree to the terms, conditions, and notices contained or referenced herein.

This electronic contract sets out the legally binding terms of your use of the Websites and the Service. This Agreement may be modified by MoneyFlap from time to time, such modifications to be effective upon posting by MoneyFlap on the Websites. By accessing and/or using the Websites or becoming a client, you accept this Agreement and agree to the terms, conditions, and notices contained or referenced herein.

Access and Retention:

To access and retain this electronic Agreement, you must have access to the Internet, either directly or through devices that access web-based content, and pay any service fees associated with such access. In addition, you must use all equipment necessary to make such a connection to the World Wide Web, including a computer and modem or other access device. Please print a copy of this document for your records. To retain an electronic copy of this Agreement, you may save it into any word processing program.

To access and retain this electronic Agreement, you must have access to the Internet, either directly or through devices that access web-based content, and pay any service fees associated with such access. In addition, you must use all equipment necessary to make such a connection to the World Wide Web, including a computer and modem or other access device. Please print a copy of this document for your records. To retain an electronic copy of this Agreement, you may save it into any word processing program.

Our Products and Services:

We provide services that include, but are not limited to:

Borderless multi-currency accounts: Open global accounts from anywhere. Hold, send, receive, and exchange digital dollars (USDC), digital dollars (MFUSD), and digital euros (EURC), respectively, tied to the US account number.

Borderless multi-currency accounts: Open global accounts from anywhere. Hold, send, receive, and exchange digital dollars (USDC), digital dollars (MFUSD), and digital euros (EURC), respectively, tied to the US account number.

Borderless savings accounts: Open a savings account on-chain backed directly by real-world government assets. Earn up to 5.4% tokenized Sukuk or US treasury yield with instant withdrawals at any time.

Borderless savings accounts: Open a savings account on-chain backed directly by real-world government assets. Earn up to 5.4% tokenized Sukuk or US treasury yield with instant withdrawals at any time.

Borderless peer-to-peer (P2P) transfers: Send and receive money instantly from friends or anyone in our global search in 80+ countries powered by stablecoin rails.

Borderless money movements: Instantly move funds in and out of your global accounts on-chain or to bank accounts and mobile money in 65+ countries at near-zero cost—cash in and out at any MoneyGram points in 181 countries.

Borderless money movements: Instantly move funds in and out of your global accounts on-chain or to bank accounts and mobile money in 65+ countries at near-zero cost—cash in and out at any MoneyGram points in 181 countries.

Borderless bill payments: Pay electricity, water, TV, and thousands of bills in over 30 countries at near-zero cost. Enable monthly reminders and automatic payments so you never miss bill due dates.

Borderless mobile top-ups: Recharge airtime and internet data for yourself and any mobile phone in 140+ countries, including exotic markets, at no extra cost.

Borderless credit cards: Create virtual and physical credit cards with no foreign transaction fees, allowing anyone to spend anywhere without hassle and high costs.

Cash-back & rewards: Earn up to 35% unlimited cash-back paid in digital dollars (USDC) on every purchase at numerous favorite brands such as Nike, Microsoft, and AliExpress.

Money management: Track your finances, make better decisions through real-time spending analytics, and block unwanted subscriptions with a few clicks.

Messaging & calling: Chat in real-time with your friends privately and in groups, share multimedia files, laugh over emojis, and calling made seamless.

Registration and Eligibility:

To open a MoneyFlap Account and use our Services, you must confirm that:

You are at least 18 years old

You are a non-US and non-UK resident and citizen

You are a citizen or resident of the jurisdictions we support

You are not restricted or suspended to use the MoneyFlap Services

You are not an individual blacklisted by the United Nations (UN), the European Union (EU), Bulgaria, and the United Kingdom (UK) Treasury Department or designated as a “Specially Designated National” by OFAC (Office of Foreign Assets Control of the U.S. Treasury Department) or placed on the U.S. Commerce Department’s “Denied Persons List”

You are not an individual blacklisted by the United Nations (UN), the European Union (EU), Bulgaria, and the United Kingdom (UK) Treasury Department or designated as a “Specially Designated National” by OFAC (Office of Foreign Assets Control of the U.S. Treasury Department) or placed on the U.S. Commerce Department’s “Denied Persons List”

You are not a citizen or resident of a country blacklisted or sanctioned by the US Office of Foreign Assets Control (OFAC), the United Nations (UN), the European Union (EU), Bulgaria, and the United Kingdom (UK) Treasury

You are not a citizen or resident of a country blacklisted or sanctioned by the US Office of Foreign Assets Control (OFAC), the United Nations (UN), the European Union (EU), Bulgaria, and the United Kingdom (UK) Treasury

You have read, understood, and agreed to all MoneyFlap legal disclosures, including the Privacy Policy and Terms of Service

We have the right to refuse your account opening limit your access to our Services or reassess your eligibility whenever we encounter that the information/documents you provided are inaccurate or expired, and you do not comply with all legal requirements.

We have the right to refuse your account opening limit your access to our Services or reassess your eligibility whenever we encounter that the information/documents you provided are inaccurate or expired, and you do not comply with all legal requirements.

Commercial Use of Service:

If you are using the Service and/or accessing the Websites on behalf of a company, entity, or organization (collectively, a “Subscribing Entity”), you represent and warrant that:

You are an authorized representative of the Subscribing Entity, and you have the authority to bind the Subscribing Entity to this Terms of Service

You have read and understand this Terms of Service; and

You agree to this Terms of Service on behalf of the Subscribing Entity.

Illegal and/or unauthorized uses of the Websites include but are not limited to, browsing or downloading illegal content, collecting usernames and/or email addresses of clients by electronic or other means to send unsolicited email, unauthorized framing of or linking to the Websites, sharing or disclosing your username or password to any third party or permitting any third party to access your account, attempting to impersonate another user or person, use of the Websites in any fraudulent or misleading manner, any automated use of the system, such as scraping the Websites, automated scripts, spiders, robots, crawlers, data mining tools or the like, interfering with, disrupting, or creating an undue burden on the Websites or the networks or services connected to the Websites, and using the Websites in a manner inconsistent with any applicable laws and regulations. Illegal and/or unauthorized use of the Websites may be investigated, and appropriate legal action may be taken, including without limitation, civil, criminal, and injunctive redress. Use of the Websites and Service is with the permission of MoneyFlap, which may be revoked at any time, for any reason, in MoneyFlap’s sole discretion.

Illegal and/or unauthorized uses of the Websites include but are not limited to, browsing or downloading illegal content, collecting usernames and/or email addresses of clients by electronic or other means to send unsolicited email, unauthorized framing of or linking to the Websites, sharing or disclosing your username or password to any third party or permitting any third party to access your account, attempting to impersonate another user or person, use of the Websites in any fraudulent or misleading manner, any automated use of the system, such as scraping the Websites, automated scripts, spiders, robots, crawlers, data mining tools or the like, interfering with, disrupting, or creating an undue burden on the Websites or the networks or services connected to the Websites, and using the Websites in a manner inconsistent with any applicable laws and regulations. Illegal and/or unauthorized use of the Websites may be investigated, and appropriate legal action may be taken, including without limitation, civil, criminal, and injunctive redress. Use of the Websites and Service is with the permission of MoneyFlap, which may be revoked at any time, for any reason, in MoneyFlap’s sole discretion.

Deposits and Withdrawals:

Deposits:

Payin Fiat Currency. Once you have fully registered for a MoneyFlap Account and have verified your identity, you can top up your Account through various methods such as a traditional bank account, linking your bank account through Open Banking, mobile money account, linking your stablecoin wallet or exchange, and cash through MoneyGram ™ locations. Thus, the amount in local currency you have deposited into your account will be exchanged for the corresponding amount in virtual currencies at the mid-market rates, confirming your stablecoin purchase. The availability of these payment methods may depend on the country you are from or based in. The transaction fees and limits depend on the payment method used - we may at our sole discretion set the transaction fees or limits of your Account. Refer to our pricing page to learn more about our transaction limits and fees.
span class="fw-bold d-contents">Payin Stablecoin. You can also directly receive stablecoin funds from external parties to your on-chain addresses in your account but note that we can only accept USDC (USD Coin) and EURC (Euro Coin) at this time. We may include additional digital assets in the future - please, always refer to our website to get any product updates or information about an eventual product release. stablecoin transfers are irreversible - meaning that you may lose or can not recover your stablecoin funds when you send them to the wrong on-chain addresses. You are urged to double-review the accuracy of your details before making any stablecoin deposits.

Payin Fiat Currency. Once you have fully registered for a MoneyFlap Account and have verified your identity, you can top up your Account through various methods such as a traditional bank account, linking your bank account through Open Banking, mobile money account, linking your stablecoin wallet or exchange, and cash through MoneyGram ™ locations. Thus, the amount in local currency you have deposited into your account will be exchanged for the corresponding amount in virtual currencies at the mid-market rates, confirming your stablecoin purchase. The availability of these payment methods may depend on the country you are from or based in. The transaction fees and limits depend on the payment method used - we may at our sole discretion set the transaction fees or limits of your Account. Refer to our pricing page to learn more about our transaction limits and fees.
span class="fw-bold d-contents">Payin Stablecoin. You can also directly receive stablecoin funds from external parties to your on-chain addresses in your account but note that we can only accept USDC (USD Coin) and EURC (Euro Coin) at this time. We may include additional digital assets in the future - please, always refer to our website to get any product updates or information about an eventual product release. stablecoin transfers are irreversible - meaning that you may lose or can not recover your stablecoin funds when you send them to the wrong on-chain addresses. You are urged to double-review the accuracy of your details before making any stablecoin deposits.

Processing Times. The processing times of a deposit to your MoneyFlap Account depend on the chosen payment methods - commonly they happen in real-time and the transaction is confirmed once the balance of your account has been updated with the corresponding amount. However, we have the right to block or reject any deposit to your account, in which case we will refund the same amount to the sending account.

Processing Times. The processing times of a deposit to your MoneyFlap Account depend on the chosen payment methods - commonly they happen in real-time and the transaction is confirmed once the balance of your account has been updated with the corresponding amount. However, we have the right to block or reject any deposit to your account, in which case we will refund the same amount to the sending account.

Withdrawals:

terms.terms.withdrawals-op1-title

The Payout to Stablecoin Accounts.You can also transfer funds out of your MoneyFlap Account to external stable coin wallets. Please double review and confirm the details of the recipient before initiating any withdrawal -stablecoin transfers are irreversible, resulting in a full loss ofyour funds when you transfer funds to the wrong stable coin addresses. MoneyFlap will not be liable for any transfer to thewrong stablecoin addresses and cannot recover your funds or refundyou. Withdrawals are processed instantly, allowing your stablecoinfunds to reach their destination in no time. Nevertheless, due touncontrolled reasons such as technical and operational downtime ofthe public blockchain protocols we use to build our Services, theprocessing times may be longer or the transactions may fail.Please note that we are not liable for such delay or failure.(Refer to Risk Disclosure to learn more)

The Payout to Stablecoin Accounts.You can also transfer funds out of your MoneyFlap Account to external stable coin wallets. Please double review and confirm the details of the recipient before initiating any withdrawal -stablecoin transfers are irreversible, resulting in a full loss ofyour funds when you transfer funds to the wrong stable coin addresses. MoneyFlap will not be liable for any transfer to thewrong stablecoin addresses and cannot recover your funds or refundyou. Withdrawals are processed instantly, allowing your stablecoinfunds to reach their destination in no time. Nevertheless, due touncontrolled reasons such as technical and operational downtime ofthe public blockchain protocols we use to build our Services, theprocessing times may be longer or the transactions may fail.Please note that we are not liable for such delay or failure.(Refer to ** Risk Disclosure ** to learn more)

Transaction Fees and Limits

We transparently publish all our transaction fees and limits on our Websites. However, our transaction fees and limits may vary to increase or decrease charges. You can always review and confirm our current transaction fees and limits before initiating any payments. In some cases, we may offer promotional fees or discounts on transactions to any users, including you.

We transparently publish all our transaction fees and limits on our Websites. However, our transaction fees and limits may vary to increase or decrease charges. You can always review and confirm our current transaction fees and limits before initiating any payments. In some cases, we may offer promotional fees or discounts on transactions to any users, including you.

General Risk Disclosure

Risk Disclosure

This general risk disclosure lists the most prevalent risks associated with holding or trading virtual assets, but the following list of risks is not exhaustive. You hereby acknowledge and accept these risks, including the unforeseen ones, use our Services at your own risk, and you will not hold MoneyFlap responsible for any irreversible and unrecoverable losses relating to these risks.

This general risk disclosure lists the most prevalent risks associated with holding or trading virtual assets, but the following list of risks is not exhaustive. You hereby acknowledge and accept these risks, including the unforeseen ones, use our Services at your own risk, and you will not hold MoneyFlap responsible for any irreversible and unrecoverable losses relating to these risks.

Blockchain Technology

Deposits, withdrawals, transfers, and any transactions in Virtual Currencies may be irreversible, and any fund losses due to entering wrong addresses, and accidental or fraudulent transactions may be unrecoverable.

Deposits, withdrawals, transfers, and any transactions in Virtual Currencies may be irreversible, and any fund losses due to entering wrong addresses, and accidental or fraudulent transactions may be unrecoverable.

Legal and Regulatory

Virtual Currencies may not be legal tender in some jurisdictions and are not backed by any government or central bank.

The regulatory framework of Virtual Currencies varies among jurisdictions, resulting in significant regulatory uncertainty. Amendments, orders, legislative and regulatory changes, or actions relating to blockchain technology at a state, federal, or international level may adversely affect the use, transfer, exchange, and value of the Virtual Currencies, restricting the provision of our Services to you.

The regulatory framework of Virtual Currencies varies among jurisdictions, resulting in significant regulatory uncertainty. Amendments, orders, legislative and regulatory changes, or actions relating to blockchain technology at a state, federal, or international level may adversely affect the use, transfer, exchange, and value of the Virtual Currencies, restricting the provision of our Services to you.

Currency Fluctuations

Even if MoneyFlap only supports Virtual Currencies called stablecoins that have the same value as some Fiat currencies such as U.S. Dollars (USD) and Euros (EUR), the price of stablecoins may fluctuate in value below the price of the Fiat currencies they are designed to track as the exchange rates of the Fiat currencies may change.

Even if MoneyFlap only supports Virtual Currencies called stablecoins that have the same value as some Fiat currencies such as U.S. Dollars (USD) and Euros (EUR), the price of stablecoins may fluctuate in value below the price of the Fiat currencies they are designed to track as the exchange rates of the Fiat currencies may change.

No investment advice, recommendations, or tax advice

MoneyFlap does not provide investment advice. You are solely responsible for, and MoneyFlap has no involvement in, determining whether any Virtual Currency transaction, investment strategy, or related transaction is suitable for you. You are familiar with and are capable of evaluating the investment risks of Virtual Currencies independently or you accept to seek legal, regulatory, business, investment, financial tax, and accounting advice from highly qualified professionals and have made your decisions without reliance on MoneyFlap.

MoneyFlap does not provide investment advice. You are solely responsible for, and MoneyFlap has no involvement in, determining whether any Virtual Currency transaction, investment strategy, or related transaction is suitable for you. You are familiar with and are capable of evaluating the investment risks of Virtual Currencies independently or you accept to seek legal, regulatory, business, investment, financial tax, and accounting advice from highly qualified professionals and have made your decisions without reliance on MoneyFlap.

MoneyFlap does not provide investment or tax advice or exercise any investment discretion on your behalf. Nothing on Website is an offer to sell, a solicitation of an offer to buy, or a recommendation for any Virtual Currency by MoneyFlap.

MoneyFlap does not provide investment or tax advice or exercise any investment discretion on your behalf. Nothing on Website is an offer to sell, a solicitation of an offer to buy, or a recommendation for any Virtual Currency by MoneyFlap.

Not a bank, broker-dealer, or regulated financial institution

You should note that your account balances may not be considered or called "deposits", as the regulated financial institutions, especially banks or credit institutions may be using the term. MoneyFlap is not and does not pretend to be a bank or regulated financial institution under the United States Federal Law or under any other jurisdiction laws.

You should note that your account balances may not be considered or called "deposits", as the regulated financial institutions, especially banks or credit institutions may be using the term. MoneyFlap is not and does not pretend to be a bank or regulated financial institution under the United States Federal Law or under any other jurisdiction laws.

You should note that the Tokenized Financial Assets that MoneyFlap facilitates the accessibility may not be considered as a listing or selling of "Securities" or an offering of a "brokerage account", as the regulated brokerage may be using the term. MoneyFlap is not and does not pretend to be a broker-dealer or a trust registered under the United States Federal Law or under any other jurisdiction laws.

You should note that the Tokenized Financial Assets that MoneyFlap facilitates the accessibility may not be considered as a listing or selling of "Securities" or an offering of a "brokerage account", as the regulated brokerage may be using the term. MoneyFlap is not and does not pretend to be a broker-dealer or a trust registered under the United States Federal Law or under any other jurisdiction laws.

You should note that your account balances are not subject to deposit insurance protection of any regulatory scheme, including the Federal Deposit Insurance Corporation (FDIC), as well as any securities investor protection, including the Securities Investor Protection Corporation (SIPC).

You should note that your account balances are not subject to deposit insurance protection of any regulatory scheme, including the Federal Deposit Insurance Corporation (FDIC), as well as any securities investor protection, including the Securities Investor Protection Corporation (SIPC).

Account Security

You are responsible for maintaining the confidentiality of the username and password that you designate during the registration process, and you are fully responsible for all activities that occur under your username and password. You agree to (a) immediately notify MoneyFlap of any unauthorized use of your username or password or any other breach of security, and (b) ensure that you exit from your account at the end of each session. MoneyFlap will not be liable for any loss or damage arising from your failure to comply with this provision. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. If you share your computer with others, you may wish to consider disabling your auto-login feature if you have it linked to your MoneyFlap account.

You are responsible for maintaining the confidentiality of the username and password that you designate during the registration process, and you are fully responsible for all activities that occur under your username and password. You agree to (a) immediately notify MoneyFlap of any unauthorized use of your username or password or any other breach of security, and (b) ensure that you exit from your account at the end of each session. MoneyFlap will not be liable for any loss or damage arising from your failure to comply with this provision. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. If you share your computer with others, you may wish to consider disabling your auto-login feature if you have it linked to your MoneyFlap account.

Your Use of the Websites

You may not browse or download illegal content.

You must not copy or capture, or attempt to copy or capture, any content from the Websites (the "Content") or any part of the Websites, unless given express permission by MoneyFlap.

You must not copy, republish, adapt, make available, or otherwise communicate to the public, display, perform, transfer, share, distribute, or otherwise use or exploit any Content on or from the Platform, except (i) where such Content is created by you (such content, "Your Content"), or (ii) as permitted under these Terms of Service, and within the parameters set by the person or entity that uploaded the Content (the "Uploader") (for example, under the terms of Creative Commons licenses selected by the Uploader).

You must not copy, republish, adapt, make available, or otherwise communicate to the public, display, perform, transfer, share, distribute, or otherwise use or exploit any Content on or from the Platform, except (i) where such Content is created by you (such content, "Your Content"), or (ii) as permitted under these Terms of Service, and within the parameters set by the person or entity that uploaded the Content (the "Uploader") (for example, under the terms of Creative Commons licenses selected by the Uploader).

You must not use any Content (other than Your Content) in any way that is designed to create a separate content service or that replicates any part of the Website's offering.

You must not employ scraping or similar techniques to aggregate, repurpose, republish, or otherwise make use of any Content.

You must not employ the use of bots, botnets, scripts, apps, plugins, extensions, or other automated means to register accounts, log in, post comments, or otherwise act on your behalf, particularly where such activity occurs multiply or repetitively. You must not offer or promote the availability of any such techniques or serlces to any other users of the Websites.

You must not employ the use of bots, botnets, scripts, apps, plugins, extensions, or other automated means to register accounts, log in, post comments, or otherwise act on your behalf, particularly where such activity occurs multiply or repetitively. You must not offer or promote the availability of any such techniques or serlces to any other users of the Websites.

You must not alter or remove, or attempt to alter or remove, any trademark, copyright, or other proprietary or legal notices contained in, or appearing on, the Websites or any Content appearing on the Websites (other than Your Content).

You must not alter or remove, or attempt to alter or remove, any trademark, copyright, or other proprietary or legal notices contained in, or appearing on, the Websites or any Content appearing on the Websites (other than Your Content).

You must not, and must not permit any third party to, copy or adapt the object code of the Websites, or reverse engineer, reverse assemble, decompile, modify or attempt to discover any source or object code of any part of the Websites, or circumvent or attempt to circumvent or copy any copy protection mechanism or access any rights management information about Content other than Your Content.

You must not, and must not permit any third party to, copy or adapt the object code of the Websites, or reverse engineer, reverse assemble, decompile, modify or attempt to discover any source or object code of any part of the Websites, or circumvent or attempt to circumvent or copy any copy protection mechanism or access any rights management information about Content other than Your Content.

You must not use the Websites to upload, post, store, transmit, display, copy, distribute, promote, make available, or otherwise communicate to the public:

any Content that is offensive, abusive, libelous, defamatory, obscene, racist, sexually explicit, ethnically or culturally offensive, indecent, that promotes violence, terrorism, or illegal acts, incites hatred on grounds of race, gender, religion, or sexual orientation, or is otherwise objectionable in MoneyFlap's sole and reasonable discretion;

any Content that is offensive, abusive, libelous, defamatory, obscene, racist, sexually explicit, ethnically or culturally offensive, indecent, that promotes violence, terrorism, or illegal acts, incites hatred on grounds of race, gender, religion, or sexual orientation, or is otherwise objectionable in MoneyFlap's sole and reasonable discretion;

any information, Content, or other material that violates, plagiarizes, misappropriated, or infringes the rights of third parties including, without limitation, copyright, trademark rights, rights of privacy or publicity, confidential information, or any other right; or

any information, Content, or other material that violates, plagiarizes, misappropriated, or infringes the rights of third parties including, without limitation, copyright, trademark rights, rights of privacy or publicity, confidential information, or any other right; or

any Content that violates, breaches, or is contrary to any law, rule, regulation, court order or is otherwise illegal or unlawful in MoneyFlap's sole and reasonable opinion;

any material of any kind that contains any virus, Trojan horse, spyware, adware, malware, bot, time bomb, worm, or other harmful or malicious component, which will or might overburden, impair, or disrupt the Websites or servers or networks forming part of, or connected to, the Websites, or which does or might restrict or inhibit any other user's use and enjoyment of the Websites; or

any material of any kind that contains any virus, Trojan horse, spyware, adware, malware, bot, time bomb, worm, or other harmful or malicious component, which will or might overburden, impair, or disrupt the Websites or servers or networks forming part of, or connected to, the Websites, or which does or might restrict or inhibit any other user's use and enjoyment of the Websites; or

any unsolicited or unauthorized advertising, promotional messages, spam, or any other form of solicitation.

You must not commit or engage in, or encourage, induce, solicit, or promote, any conduct that would constitute a criminal offense, give rise to civil liabinfy, or otherwise violate any law or regulation.

You must not commit or engage in, or encourage, induce, solicit, or promote, any conduct that would constitute a criminal offense, give rise to civil liabinfy, or otherwise violate any law or regulation.

You must not rent, sell, or lease access to the Websites, or any Content on the Websites, although this will not prevent you from including links from Your Content to any legitimate online download store from where any item of Your Content may be purchased.

You must not rent, sell, or lease access to the Websites, or any Content on the Websites, although this will not prevent you from including links from Your Content to any legitimate online download store from where any item of Your Content may be purchased.

You must not deliberately impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity, for example, by registering an account in the name of another person or company, sending messages, or making comments using the name of another person.

You must not deliberately impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity, for example, by registering an account in the name of another person or company, sending messages, or making comments using the name of another person.

You must not stalk, exploit, threaten, abuse, or otherwise harass another user, or any MoneyFlap employee. If we feel that your behavior towards any of our employees is at any time threatening or offensive, we reserve the right to immediately terminate your account.

You must not stalk, exploit, threaten, abuse, or otherwise harass another user, or any MoneyFlap employee. If we feel that your behavior towards any of our employees is at any time threatening or offensive, we reserve the right to immediately terminate your account.

You must not sell or transfer, or offer to sell or transfer, any MoneyFlap account to any third party without the prior written approval of MoneyFlap.

You must not collect or attempt to collect personal data, or any other kind of information about other users, including without limitation, through spidering or any form of scraping.

You must not violate, circumvent, or attempt to violate or circumvent any data security measures employed by MoneyFlap or any Uploader; access or attempt to access data or materials which are not intended for your use; log into, or attempt to log into, a server or account which you are not authorized to access; attempt to scan or test the vulnerability of MoneyFlap's servers, system or network or attempt to breach MoneyFlap's data security or authentication procedures; attempt to interfere with the Websites or the Services by any means including, without limitation, hacking MoneyFlap's servers or systems, submitting a virus, overloading, mail-bombing or crashing.
Without limitation to any other rights or remedies of MoneyFlap under these Terms of Service, MoneyFlap reserves the right to investigate any situation hat appears to involve any of the above and may report such matters to, and cooperate with, appropriate law enforcement authorities in prosecuting any users who have participated in any such violations.

You must not violate, circumvent, or attempt to violate or circumvent any data security measures employed by MoneyFlap or any Uploader; access or attempt to access data or materials which are not intended for your use; log into, or attempt to log into, a server or account which you are not authorized to access; attempt to scan or test the vulnerability of MoneyFlap's servers, system or network or attempt to breach MoneyFlap's data security or authentication procedures; attempt to interfere with the Websites or the Services by any means including, without limitation, hacking MoneyFlap's servers or systems, submitting a virus, overloading, mail-bombing or crashing.
Without limitation to any other rights or remedies of MoneyFlap under these Terms of Service, MoneyFlap reserves the right to investigate any situation hat appears to involve any of the above and may report such matters to, and cooperate with, appropriate law enforcement authorities in prosecuting any users who have participated in any such violations.

You agree to comply with the above conditions and acknowledge and agree that MoneyFlap has the right, in its sole discretion, to terminate your account or take such other action as we see fit if you breach any of the above conditions or any of the other terms of these Terms of Service. This may include taking court action and/or reporting offending users to the relevant authorities.

You agree to comply with the above conditions and acknowledge and agree that MoneyFlap has the right, in its sole discretion, to terminate your account or take such other action as we see fit if you breach any of the above conditions or any of the other terms of these Terms of Service. This may include taking court action and/or reporting offending users to the relevant authorities.

Representations and Warranties

You hereby represent and warrant to MoneyFlap as follows:

Your Content, and every part thereof, is an original work by you, or you have obtained all rights, licenses, consents, and permissions necessary to use, and (if and where relevant) to authorize MoneyFlap to use, Your Content under these Terms of Service, including, without limitation, the right to upload, reproduce, store, transmit, distribute, share, publicly display, publicly perform, make available and otherwise communicate to the public Your Content, and every part thereof, on, through or via the Websites, any Services and any third party services.

Your Content, and every part thereof, is an original work by you, or you have obtained all rights, licenses, consents, and permissions necessary to use, and (if and where relevant) to authorize MoneyFlap to use, Your Content under these Terms of Service, including, without limitation, the right to upload, reproduce, store, transmit, distribute, share, publicly display, publicly perform, make available and otherwise communicate to the public Your Content, and every part thereof, on, through or via the Websites, any Services and any third party services.

Your Content and the availability thereof on the Platform does not and will not infringe or violate the rights of any third party, including, without limitation, any intellectual property rights, performers' rights, rights of privacy or publicity, or rights in confidential information.

Your Content and the availability thereof on the Platform does not and will not infringe or violate the rights of any third party, including, without limitation, any intellectual property rights, performers' rights, rights of privacy or publicity, or rights in confidential information.

You have obtained any necessary consents, permissions, and/or releases from any persons appearing in Your Content to include their name, voice, performance, or likeness in Your Content and to publish the same on the Websites and via any third-party services.

You have obtained any necessary consents, permissions, and/or releases from any persons appearing in Your Content to include their name, voice, performance, or likeness in Your Content and to publish the same on the Websites and via any third-party services.

Your Content, including any comments that you may post on the Websites, is not and will not be unlawful, offensive, abusive, libelous, defamatory, obscene, racist, sexually explicit, ethnically or culturally offensive, indecent, will not promote violence, terrorism, or illegal acts, or incite hatred on grounds of race, gender, religion or sexual orientation.

Your Content, including any comments that you may post on the Websites, is not and will not be unlawful, offensive, abusive, libelous, defamatory, obscene, racist, sexually explicit, ethnically or culturally offensive, indecent, will not promote violence, terrorism, or illegal acts, or incite hatred on grounds of race, gender, religion or sexual orientation.

Your Content does not and will not create any liability on the part of MoneyFlap, its subsidiaries, affiliates, successors, and assigns, and their respective employees, agents, directors, officers, and/or shareholders.

Your Content does not and will not create any liability on the part of MoneyFlap, its subsidiaries, affiliates, successors, and assigns, and their respective employees, agents, directors, officers, and/or shareholders.

MoneyFlap reserves the right to remove Your Content, suspend or terminate your access to the Platform, and/or pursue all legal remedies if we believe that any of Your Content breaches any of the foregoing representations or warranties, or otherwise infringes another person's rights or violates any law, rule or regulation.

MoneyFlap reserves the right to remove Your Content, suspend or terminate your access to the Platform, and/or pursue all legal remedies if we believe that any of Your Content breaches any of the foregoing representations or warranties, or otherwise infringes another person's rights or violates any law, rule or regulation.

Term, Suspension, and Termination

This Agreement will remain in full force and effect while you use the Websites and/or Service. You may terminate this agreement and/or the use of the MoneyFlap Services at any time by closing your MoneyFlap Account. If you terminate this agreement or close your MoneyFlap Account, to help MoneyFlap analyze and improve the Serlce, you may be asked to provide a reason for your closure/termination. However, MoneyFlap reserves the right to cancel your request to close your account due to regulatory and compliance obligations.

MoneyFlap may suspend, limit, or terminate your account for any reason by sending notice to you at the email address you provide in your account registration, or such other email address as you may later provide to MoneyFlap. Without any liability and at any time, MoneyFlap may suspend, limit, or terminate your use of MoneyFlap Services, or your access to your MoneyFlap account if:

This Agreement will remain in full force and effect while you use the Websites and/or Service. You may terminate this agreement and/or the use of the MoneyFlap Services at any time by closing your MoneyFlap Account. If you terminate this agreement or close your MoneyFlap Account, to help MoneyFlap analyze and improve the Serlce, you may be asked to provide a reason for your closure/termination. However, MoneyFlap reserves the right to cancel your request to close your account due to regulatory and compliance obligations.

MoneyFlap may suspend, limit, or terminate your account for any reason by sending notice to you at the email address you provide in your account registration, or such other email address as you may later provide to MoneyFlap. Without any liability and at any time, MoneyFlap may suspend, limit, or terminate your use of MoneyFlap Services, or your access to your MoneyFlap account if:

You have breached these Terms of Service, Terms and Conditions, and any Applicable Laws

You hold an account that is undergoing financial crime investigations or legal proceedings

You hold an account that is non-compliant and is considered high-risk by the regulatory guidelines

You hold an account that is involved in any Prohibited Businesses or Activities as per these Terms of Service

You hold an account that is subject to a security compromise or breach, and a transaction or order is erroneous

You hold an account that is subject to unauthorized or fraudulent access or is accessed without your consent and approval

You hold an account that is red-flagged as suspicious, and linked to money laundering, terrorist financing, fraudulent activities, or any "bad user" scenarios covered by our Anti-Money Laundering (AML) policy

You hold an account that is red-flagged as suspicious, and linked to money laundering, terrorist financing, fraudulent activities, or any "bad user" scenarios covered by our Anti-Money Laundering (AML) policy

MoneyFlap is subject to maintenance of our infrastructure, including the systems of our third-party partners

MoneyFlap is reassessing the eligibility criteria for opening an account or accessibility of our Services

MoneyFlap is entitled to comply with legislation, regulatory and judicial orders, or governmental amendments

MoneyFlap is fixing defaillances in any information technology system (IT system) related to the provision of our Services

All decisions regarding the termination of accounts shall be made at the sole discretion of MoneyFlap. MoneyFlap is not required to provide you notice before suspending, limiting, and terminating your account. MoneyFlap is not required and may be prohibited, from disclosing a reason for the termination of your account. Even after your account is terminated, this Agreement will remain in effect. All terms that by their nature may survive termination of this Agreement shall be deemed to survive such termination.

All decisions regarding the termination of accounts shall be made at the sole discretion of MoneyFlap. MoneyFlap is not required to provide you notice before suspending, limiting, and terminating your account. MoneyFlap is not required and may be prohibited, from disclosing a reason for the termination of your account. Even after your account is terminated, this Agreement will remain in effect. All terms that by their nature may survive termination of this Agreement shall be deemed to survive such termination.

Modifications to Service

MoneyFlap reserves the right at any time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that MoneyFlap shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

Blocking of IP Addresses

To protect the integrity of the Services, MoneyFlap reserves the right at any time in its sole discretion to block Clients from certain IP addresses from accessing the Websites.

Content

Proprietary Rights

MoneyFlap retains all proprietary rights in the Websites and the Service. The Website contains the copyrighted material, trademarks, and other proprietary information of MoneyFlap, and its licensors. Except where we have given you express written permission, you may not copy, modify, publish, transmit, distribute, perform, display, or sell any such proprietary information. All content on MoneyFlap is proprietary. Except where otherwise specified in this Agreement, all Content is the copyrighted material of MoneyFlap and for MoneyFlap’s Clients' use only. Distribution of Content to others is strictly prohibited. You agree that MoneyFlap would be irreparably harmed by any violation or threatened violation of this section and that, therefore, MoneyFlap shall be entitled to an injunction prohibiting you from any violation or threatened violation of this section, without posting bond, in addition to any other right or remedy it may have.

We may provide links to third-party websites, and some of the content appearing on MoneyFlap may be supplied by third parties. MoneyFlap has no responsibility for these third-party websites nor for their content, which is subject to and governed by the Terms of Service and/or privacy policies, if any, of the applicable third-party content providers.

Ownership of Your Content; Licenses

You agree that any content you upload to the Websites and/or the Service (“Your Content”) shall become the property of MoneyFlap. This shall not affect Sections (Copyright Policy), (Limitation of Liability), and (Indemnity by You) of this Agreement.

However, concerning Your Content, MoneyFlap grants you a worldwide, royalty-free, and non-exclusive license(s) to use, distribute, reproduce, and publicly display such content, except for commercial or for-profit use accounts.

Any Content other than Your Content is the property of the relevant Uploader and is or may be subject to copyright, trademark rights, or other intellectual property or proprietary rights. Such Content may not be downloaded, reproduced, distributed, transmitted, re-uploaded, republished, displayed, sold, licensed, made available or otherwise communicated to the public or exploited for any purposes except via the features of the Websites from time to time and within the parameters set by the Uploader on the Service or with the express written consent of the Uploader. Where you repost another user's Content, or include another user's Content in a set, you acquire no ownership rights whatsoever in that Content. Subject to the rights expressly granted in this section, all rights in Content are reserved to the relevant Uploader.

Restrictions on the Use of Materials

You acknowledge that MoneyFlap contains images, text, and other content (collectively, "Intellectual Property") that is protected by copyrights, patents, trademarks, trade secrets, and/or other proprietary rights and that these rights are valid and protected in all forms, media, and technologies existing now or hereafter developed. All Intellectual Property is copyrighted under the United States copyright laws (and, if applicable, similar foreign laws), and MoneyFlap owns a copyright in the selection, coordination, arrangement, and enhancement of such Intellectual Property. All trademarks appearing on this Website are trademarks of their respective owners. You may not modify, publish, transmit, distribute, perform, participate in the transfer or sale, create derivative works of, or in any way exploit, any of the Intellectual Property, in whole or in part. When Intellectual Property is downloaded to your computer, you do not obtain any ownership interest in such Intellectual Property. Modification of the Intellectual Property or use of the Intellectual Property for any other purpose, including, but not limited to, use of any Intellectual Property in printed form or on any other website or networked computer environment is strictly prohibited unless you receive our prior written consent.

Copyright Policy

MoneyFlap prohibits the submission or posting of any information that infringes or violates the copyright rights and/or other intellectual property rights (including rights of privacy and publicity) of any person or entity.

Under Title 17, United States Code, Section 512(c)(2) or for any other claim of copyright infringement, you hereby agree that notifications of claimed copyright infringement be sent by certified mail to:

254 Chapman Rd, Ste 208 #16275, Newark, Delaware 19702, United States of America

If you believe that your intellectual property right (or such a right that you are responsible for enforcing) is infringed by any content on the Site, please write to MoneyFlap at the address shown above, giving a written statement that contains:

254 Chapman Rd, Ste 208 #16275, Newark, Delaware 19702, United States of America

Identification of the copyrighted work and/or intellectual property right claimed to have been infringed;

Identification of the allegedly infringing material on the Site that is requested to be removed;

Your name, address, and daytime telephone number, and an e-mail address if available;

A statement that you have a good faith belief that the use of the copyrighted work and/or exercise of the intellectual property right is not authorized by the owner, its agent, or the law;

A statement that the information in the notification is accurate, and, under penalty of perjury, that the signatory is authorized to act on behalf of the owner of the right that is allegedly infringed;

A statement that the information in the notification is accurate, and, under penalty of perjury, that the signatory is authorized to act on behalf of the owner of the right that is allegedly infringed;

The signature of the intellectual property right owner or someone authorized on the owner's behalf to assert infringement of the right.

MoneyFlap will process any notice of alleged infringement that it receives and will take appropriate action as required by the Digital Millennium Copyright Act (DMCA) 17 U.S.C. 512(c)(3) or other applicable copyright law. U.S. law provides significant penalties for submitting such a statement falsely. Under appropriate circumstances, persons who repeatedly submit infringing or unlawful material will be prohibited from posting further submissions.

MoneyFlap will process any notice of alleged infringement that it receives and will take appropriate action as required by the Digital Millennium Copyright Act (DMCA) 17 U.S.C. 512(c)(3) or other applicable copyright law. U.S. law provides significant penalties for submitting such a statement falsely. Under appropriate circumstances, persons who repeatedly submit infringing or unlawful material will be prohibited from posting further submissions.

Liability for Content

You hereby acknowledge and agree that MoneyFlap (i) stores Content and other information at the direction, request, and authorization of its users, (ii) acts merely as a passive conduit and/or host for the uploading, storage, and distribution of such Content, and (iii) plays no active role and gives no assistance in the presentation or use of the Content. You are solely responsible for all of the content that you upload, post, or distribute to, on or through the Websites, and to the extent permissible by law, MoneyFlap excludes all liability concerning all Content (including Your Content) and the activities of its users with respect thereto.

You hereby acknowledge and agree that MoneyFlap cannot and does not review the Content created or uploaded by its users, and neither MoneyFlap nor its subsidiaries, affiliates, successors, assigns, employees, agents, directors, officers and shareholders has any obligation and does not undertake or assume any duty, to monitor the Websites for Content that is inappropriate, that does or might infringe any third party rights, or has otherwise been uploaded in breach of these Terms of Service or applicable law.

MoneyFlap and its subsidiaries, affiliates, successors, assigns, employees, agents, directors, officers, and shareholders hereby exclude, to the fullest extent permitted by law, any liability that may arise from any Content uploaded to the Websites by users, including, but not limited to, any claims for infringement of intellectual property rights, rights of privacy or publicity rights, any claims relating to publication of defamatory, pornographic, obscene or offensive material, or any claims relating to the completeness, accuracy, currency or reliability of any information provided by users of the Websites. By using the Websites, you irrevocably waive the right to assert any claim concerning any of the foregoing against MoneyFlap or any of its subsidiaries, affiliates, successors, assigns, employees, agents, directors, officers, or shareholders.

You hereby acknowledge and agree that MoneyFlap (i) stores Content and other information at the direction, request, and authorization of its users, (ii) acts merely as a passive conduit and/or host for the uploading, storage, and distribution of such Content, and (iii) plays no active role and gives no assistance in the presentation or use of the Content. You are solely responsible for all of the content that you upload, post, or distribute to, on or through the Websites, and to the extent permissible by law, MoneyFlap excludes all liability concerning all Content (including Your Content) and the activities of its users with respect thereto.

You hereby acknowledge and agree that MoneyFlap cannot and does not review the Content created or uploaded by its users, and neither MoneyFlap nor its subsidiaries, affiliates, successors, assigns, employees, agents, directors, officers and shareholders has any obligation and does not undertake or assume any duty, to monitor the Websites for Content that is inappropriate, that does or might infringe any third party rights, or has otherwise been uploaded in breach of these Terms of Service or applicable law.

MoneyFlap and its subsidiaries, affiliates, successors, assigns, employees, agents, directors, officers, and shareholders hereby exclude, to the fullest extent permitted by law, any liability that may arise from any Content uploaded to the Websites by users, including, but not limited to, any claims for infringement of intellectual property rights, rights of privacy or publicity rights, any claims relating to publication of defamatory, pornographic, obscene or offensive material, or any claims relating to the completeness, accuracy, currency or reliability of any information provided by users of the Websites. By using the Websites, you irrevocably waive the right to assert any claim concerning any of the foregoing against MoneyFlap or any of its subsidiaries, affiliates, successors, assigns, employees, agents, directors, officers, or shareholders.

Repeat Infringers

MoneyFlap will suspend or terminate your access to the Websites if MoneyFlap determines, in its sole and reasonable discretion, that you have repeatedly breached these Terms of Service.

If we receive a valid notification from a third party by our reporting processes or applicable law that any of Your Content infringes the copyright or other rights of such third party, or if we believe that your behavior is inappropriate and violates our Terms of Service, we will send you a written warning. Any user that receives multiple such warnings is liable to have their access to the Websites terminated immediately.

MoneyFlap will suspend or terminate your access to the Websites if MoneyFlap determines, in its sole and reasonable discretion, that you have repeatedly breached these Terms of Service.

If we receive a valid notification from a third party by our reporting processes or applicable law that any of Your Content infringes the copyright or other rights of such third party, or if we believe that your behavior is inappropriate and violates our Terms of Service, we will send you a written warning. Any user that receives multiple such warnings is liable to have their access to the Websites terminated immediately.

Limitation of Liability

In no event shall MoneyFlap be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the Websites or Service, or use thereof. Nothing contained in this Website or any written or oral communications from MoneyFlap or its employees or agents shall be construed to make any promise, covenant, or guarantee, all of which are explicitly disclaimed hereby, contrary to the statements and disclaimers contained in this paragraph.

The content and functionality on the Websites and the services provided by employees of the Websites are offered "as is" without warranty of any kind, either express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. MoneyFlap makes no warranties, express or implied, as to the ownership, accuracy, completeness, or adequacy of the Websites’ content or that the functionality of the Websites will be uninterrupted error-free, or free from virus or third-party attack. You hereby acknowledge that your use of the Websites and the Service is at your sole risk. UNDER NO CIRCUMSTANCES SHALL MONEYFLAP, ITS OFFICERS, OWNERS, EMPLOYEES OR AGENTS AND THEIR RESPECTIVE HEIRS, SUCCESSORS, AND ASSIGNS BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES THAT DIRECTLY OR INDIRECTLY RESULT FROM USE OF, OR INABILITY TO USE, THE WEBSITES OR SERVICE OR THE INFORMATION CONTAINED THEREIN, INCLUDING WITHOUT LIMITATION FOR VIRUSES ALLEGED TO HAVE BEEN OBTAINED FROM THE WEBSITES, EVEN IF MONEYFLAP HAS BEEN NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES AND REGARDLESS OF THE THEORY OF LIABILITY.

TO THE GREATEST EXTENT PERMITTED BY LAW, YOU AGREE THAT IN NO EVENT WILL MONEYFLAP HAVE ANY LIABILITY, CONTINGENT OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES IN ANY WAY ARISING OUT OF OR RELATING TO THE AGREEMENT, WEBSITES OR THE SERVICE, INCLUDING, BUT NOT LIMITED TO LOST PROFITS; LOST DATA; LOSS OF GOODWILL; COPYRIGHT, TRADEMARK, OR OTHER INTELLECTUAL PROPERTY INFRINGEMENT; WORK STOPPAGE; EQUIPMENT FAILURE OR MALFUNCTION; ILLEGAL, IMMORAL OR FRAUDULENT ACTIVITY; PERSONAL INJURY; PROPERTY DAMAGE; OR ANY OTHER DAMAGES OR LOSSES, EVEN IF MONEYFLAP HAS BEEN ADVISED OF THE POSSIBILITY THEREOF, AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT, STATUTE, INDEMNITY OR OTHERWISE) UPON WHICH SUCH LIABILITY IS BASED.

If any of the foregoing limitations are deemed to be unenforceable, to the greatest extent permitted by law, you agree that the entire aggregate liability of MoneyFlap and sole remedy available to any Client in any case in any way arising out of or relating to the Agreement, Websites or the Service shall be limited to monetary damages that in the aggregate may not exceed the greater of $500.00 or the sum of any amount paid by the Client or user to MoneyFlap during the six months before notice to MoneyFlap of the dispute for which the remedy is sought.

In no event shall MoneyFlap be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the Websites or Service, or use thereof. Nothing contained in this Website or any written or oral communications from MoneyFlap or its employees or agents shall be construed to make any promise, covenant, or guarantee, all of which are explicitly disclaimed hereby, contrary to the statements and disclaimers contained in this paragraph.

The content and functionality on the Websites and the services provided by employees of the Websites are offered "as is" without warranty of any kind, either express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. MoneyFlap makes no warranties, express or implied, as to the ownership, accuracy, completeness, or adequacy of the Websites’ content or that the functionality of the Websites will be uninterrupted error-free, or free from virus or third-party attack. You hereby acknowledge that your use of the Websites and the Service is at your sole risk. UNDER NO CIRCUMSTANCES SHALL MONEYFLAP, ITS OFFICERS, OWNERS, EMPLOYEES OR AGENTS AND THEIR RESPECTIVE HEIRS, SUCCESSORS, AND ASSIGNS BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES THAT DIRECTLY OR INDIRECTLY RESULT FROM USE OF, OR INABILITY TO USE, THE WEBSITES OR SERVICE OR THE INFORMATION CONTAINED THEREIN, INCLUDING WITHOUT LIMITATION FOR VIRUSES ALLEGED TO HAVE BEEN OBTAINED FROM THE WEBSITES, EVEN IF MONEYFLAP HAS BEEN NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES AND REGARDLESS OF THE THEORY OF LIABILITY.

TO THE GREATEST EXTENT PERMITTED BY LAW, YOU AGREE THAT IN NO EVENT WILL MONEYFLAP HAVE ANY LIABILITY, CONTINGENT OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES IN ANY WAY ARISING OUT OF OR RELATING TO THE AGREEMENT, WEBSITES OR THE SERVICE, INCLUDING, BUT NOT LIMITED TO LOST PROFITS; LOST DATA; LOSS OF GOODWILL; COPYRIGHT, TRADEMARK, OR OTHER INTELLECTUAL PROPERTY INFRINGEMENT; WORK STOPPAGE; EQUIPMENT FAILURE OR MALFUNCTION; ILLEGAL, IMMORAL OR FRAUDULENT ACTIVITY; PERSONAL INJURY; PROPERTY DAMAGE; OR ANY OTHER DAMAGES OR LOSSES, EVEN IF MONEYFLAP HAS BEEN ADVISED OF THE POSSIBILITY THEREOF, AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT, STATUTE, INDEMNITY OR OTHERWISE) UPON WHICH SUCH LIABILITY IS BASED.

If any of the foregoing limitations are deemed to be unenforceable, to the greatest extent permitted by law, you agree that the entire aggregate liability of MoneyFlap and sole remedy available to any Client in any case in any way arising out of or relating to the Agreement, Websites or the Service shall be limited to monetary damages that in the aggregate may not exceed the greater of $500.00 or the sum of any amount paid by the Client or user to MoneyFlap during the six months before notice to MoneyFlap of the dispute for which the remedy is sought.

Indemnity by You

You agree to indemnify and hold MoneyFlap, its subsidiaries, affiliates, officers, agents, and other partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorneys' fees, arising out of or related to:

You agree to indemnify and hold MoneyFlap, its subsidiaries, affiliates, officers, agents, and other partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorneys' fees, arising out of or related to:

Your use of the Service and/or Websites in violation of this Agreement and/or arising from a breach of this Agreement including without limitation your representations and warranties set forth above;

Any third-party claim of infringement of copyright or other intellectual property rights or invasion of privacy arising from the hosting of Your Content on the Websites, and/or your making available thereof to other users of the Websites, and/or the actual use of Your Content by other users of the Websites or related services by these Terms of Service and the parameters set by you concerning the distribution and sharing of Your Content;

Any third-party claim of infringement of copyright or other intellectual property rights or invasion of privacy arising from the hosting of Your Content on the Websites, and/or your making available thereof to other users of the Websites, and/or the actual use of Your Content by other users of the Websites or related services by these Terms of Service and the parameters set by you concerning the distribution and sharing of Your Content;

Any activity related to your account, either by you or by any other person accessing your account with or without your consent unless such activity was caused by the act of MoneyFlap.

Attorney Fees

If MoneyFlap is successful in whole or in part in any action or proceeding related to or arising from this Agreement, you shall be responsible for MoneyFlap’s attorneys' fees and costs.

Parental or Guardian Permission

Some of the Content on the Websites may not be appropriate for children. CHILDREN UNDER THE AGE OF 17 ARE NOT PERMITTED TO USE THE WEBSITES UNLESS A SUPERVISING PARENT OR GUARDIAN IS PRESENT.

Privacy Policy

Use of the Websites and/or the Service is also governed by our Privacy Policy, located at PRIVACY POLICY

Jurisdiction and Choice of Law; Dispute Resolution

Suppose there is any dispute arising out of the Websites and/or the Service, by using the Websites and/or Service. In that case, you expressly agree that any such dispute shall be governed by the laws of the State of Delaware, without regard to its conflict of law provisions. You expressly agree and consent to the exclusive jurisdiction and venue of the state and federal courts of the State of New York, for the resolution of any such dispute. Acceptance of the terms and conditions of this Agreement constitutes your consent to be sued in such courts and to accept service of process outside the State of Delaware with the same force and effect as if such service had been made within the State of Delaware. You hereby agree to accept service of process for any action hereunder by certified mail return receipt requested which service shall have the same force and effect as though service had been effected by personal service in the applicable jurisdiction. If any part of these terms is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

Suppose there is any dispute arising out of the Websites and/or the Service, by using the Websites and/or Service. In that case, you expressly agree that any such dispute shall be governed by the laws of the State of Delaware, without regard to its conflict of law provisions. You expressly agree and consent to the exclusive jurisdiction and venue of the state and federal courts of the State of New York, for the resolution of any such dispute. Acceptance of the terms and conditions of this Agreement constitutes your consent to be sued in such courts and to accept service of process outside the State of Delaware with the same force and effect as if such service had been made within the State of Delaware. You hereby agree to accept service of process for any action hereunder by certified mail return receipt requested which service shall have the same force and effect as though service had been effected by personal service in the applicable jurisdiction. If any part of these terms is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

Arbitration Provision/No Class Action

Except where prohibited by law, as a condition of using the Websites and/or Service, you agree that any disputes, claims, and causes of action (collectively, "Claim") arising out of or connected with the Websites and/or Service, shall be resolved individually, without resort to any form of class action, exclusively by binding arbitration under the rules of the American Arbitration Association for full and final settlement of such Claim, and judgment on the award rendered in the arbitration may be entered in any court having jurisdiction thereof. Such arbitration shall be held by the Rules for Expedited Procedures under the Commercial Arbitration Rules of the American Arbitration Association or other mutually agreeable organization, before a single arbitrator (with knowledge and expertise of copyright law if the claim is all or partially for copyright infringement), selected through mutual agreement or through the American Arbitration Association's selection procedures.

Except where prohibited by law, as a condition of using the Websites and/or Service, you agree that any disputes, claims, and causes of action (collectively, "Claim") arising out of or connected with the Websites and/or Service, shall be resolved individually, without resort to any form of class action, exclusively by binding arbitration under the rules of the American Arbitration Association for full and final settlement of such Claim, and judgment on the award rendered in the arbitration may be entered in any court having jurisdiction thereof. Such arbitration shall be held by the Rules for Expedited Procedures under the Commercial Arbitration Rules of the American Arbitration Association or other mutually agreeable organization, before a single arbitrator (with knowledge and expertise of copyright law if the claim is all or partially for copyright infringement), selected through mutual agreement or through the American Arbitration Association's selection procedures.

No Third Party Beneficiaries

You agree that, except as otherwise expressly provided in this Agreement, there shall be no third-party beneficiaries to this Agreement.

Entire Agreement

This Agreement is the complete and exclusive statement of the agreements between you and MoneyFlap concerning the subject matter hereof, and supersedes all prior written or oral agreements or understandings.

This Agreement is the complete and exclusive statement of the agreements between you and MoneyFlap concerning the subject matter hereof, and supersedes all prior written or oral agreements or understandings.

Severability; Waiver

Suppose any provision of this Agreement is found to be invalid by any court having competent jurisdiction. In that case, 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. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. In addition, MoneyFlap’s failure to enforce any term of this Agreement shall not be deemed as a waiver of such term or otherwise affect MoneyFlap’s ability to enforce such term at any point in the future.

Suppose any provision of this Agreement is found to be invalid by any court having competent jurisdiction. In that case, 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. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. In addition, MoneyFlap’s failure to enforce any term of this Agreement shall not be deemed as a waiver of such term or otherwise affect MoneyFlap’s ability to enforce such term at any point in the future.