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1. WHEN THIS PRIVACY STATEMENT APPLIES. If a Service you're using links to this Privacy Statement, this Statement applies to you.
This Privacy Statement (“Statement”) applies to our sites, products, and services (collectively, "Services") that link to this Statement. UsableCash.com is the responsible entity for all Personal Information subject to this Statement for our Services targeted to US customers. We also provide Services in other countries and regions.

2. WHAT WE DO WITH YOUR INFORMATION. We want to be clear that the information you enter into UsableCash.com is used to deliver our Services, to improve your financial life, operate our business, and help make our Services useful, more intelligent, and work better for you. We do not sell or share your Personal Information with third parties for their own commercial uses without your consent.
a) Types of Information We Collect. In connection with accessing our Services, we may collect information from you, which can be used to identify you ("Personal Information"), such as your email address, password, and payment option. We collect information when you register or open an account, sign in, email us for support, or give us feedback. We also collect content or other information that you may provide or create when you interact with our Services. Our Services may change over time and we may introduce new features that may collect new or different types of information.
b) How We Use Your Information. We may use your information, including your Personal Information, for the following purposes: Account Registration. We may use your email address to register your UsableCash.com’s Account for certain Services we provide and to communicate important information to you. To Improve Services and Develop New Services. We will use your information to personalize or customize your experience and the Service, develop new features or services, and to improve the overall quality of UsableCash.com’s Services.
To Provide Our Services and Operate Our Business. We may use your information to operate our business, including providing Services you requested, provide you with support related to our Services, and to help us protect our Services, including to combat fraud and protect your information. Customer Service and Technical Support. We may use your email address to follow up with you about your experience.
Testimonials. We may use any information you volunteer as a Testimonial, through the Contact Us portal. Response to Subpoenas and Other Legal Requests. We may share your information with courts, law enforcement agencies, or other government bodies when we have a good faith belief we're required or permitted to do so by law, including to meet national security or law enforcement requirements, to protect our company, or to respond to a court order, subpoena, search warrant, or other law enforcement request. Sale of Our Business. If we sell, merge, or transfer any part of our business, we may be required to share your information. If so, you will be asked if you'd like to stop receiving promotional information following any change of control. With your Consent. Other than as set out above, we will provide you with notice and the opportunity to choose when your Personal Information may be shared with other third parties.

3. WHAT YOU CAN DO TO MANAGE YOUR PRIVACY. You can view and edit information that identifies you online through your UsableCash.com Service. How you can access and control information that identifies you will depend on which Services you use. You have a choice about the use of information that identifies you, marketing communications you receive from us, and our use of cookies and other tracking technologies.
a) Updating Your Personal Information. In connection with your right to manage your Personal Information you provide to us, you may access, update, change, correct or request deletion of your information through the Service. You can email our customer support by clicking on Contact, email: info@usablecash.com

4. DATA RETENTION AND YOUR ACCESS RIGHTS
a) Data Retention. In accordance with and as permitted by applicable law and regulations, we will retain your information as long as necessary to serve you, to maintain your account for as long as your account is active, or as otherwise needed to operate our business. When you close your account, we may continue to communicate with you about our Services, give you important business updates that may affect you, and let you know about products and services that may interest you, unless you have opted out of receiving marketing communications. We may also continue to use some of your information for business purposes and to improve our offerings or in some cases to develop new ones. We will retain and use your information as required by applicable regulations and UsableCash.com’s records and information management policies to comply with our legal and reporting obligations, resolve disputes, enforce our agreements, complete any outstanding transactions and for the detection and prevention of fraud.
b) Your Access Rights. If you have created an online account with us and would like to update the Personal Information you have provided to us, you can access your account to view and make changes or corrections to your Personal Information.

5. SECURITY OF YOUR INFORMATION. Keeping your Information safe is important to us. You can find out more about how UsableCash.com protects your information [PROTECTION SITE].We provide reasonable and appropriate security measures in connection with securing Personal Information we collect. For example, we: Constantly work to update our security practices to implement accepted best methods to protect your Personal Information, and review our security procedures carefully. Comply with applicable laws and security standards. Transmit, store, protect, and access all member information in compliance with the Payment Card Industry's Data Security Standards.

6. FOR OUR GLOBAL CUSTOMERS – (pending)

7. HOW TO CONTACT US. If you have questions or comments about this Privacy Statement, please contact us. We want your feedback and comments.
a) Via Email. If you have questions or complaints regarding our Privacy Statement or practices, please contact us by email: ContactUsableCash.com.

8. CHANGES TO OUR PRIVACY STATEMENTS. From time to time we may change or update our Privacy Statements. We reserve the right to make changes or updates at any time. More information about how we will notify you is below. If we make material changes to the way we process your Personal Information, we will provide you notice via our Service or by other communication channels, such as by email or community post. Please review any changes carefully. If you object to any of the changes and no longer wish to use our Services, you may close your account(s). All changes are effective immediately upon posting and your use of our Service after a notice of material change or posting of an updated Privacy Statement shall constitute your consent to all changes.

9. COLLECTION AND USE OF CHILDREN'S PERSONAL INFORMATION. We do not knowingly collect information from minors.UsableCash.com Services are intended for and directed to adults. Our Services are not directed to minors and we do not knowingly collect Personal Information from minors.

10. YOUR CALIFORNIA PRIVACY RIGHTS. We do not share your Personal Information with third parties for their marketing purposes without your consent.

Terms & Conditions

1. GENERAL TERMS.

These Terms of Use and Additional Terms and Conditions (“Agreement”) set forth the terms and conditions that apply to your access and use of UsableCash.com and mobile App (“UsableCash”) as owned and operated by UsableCash.com, its subsidiaries and/or affiliates, as owned and operated by UsableCash.com, its subsidiaries and/or affiliates. Except as otherwise specifically stated herein UsableCash.com is known as "Services". As used in this Agreement, the term "Site" includes all UsableCash Services, pages that are associated or within each website and all devices, applications or services that UsableCash.com operates or offers that link to this Agreement. By accepting electronically (for example, clicking “I Agree”), installing, accessing or using the Services, you agree to be bound by the terms and conditions of this Agreement and UsableCash.com Privacy and Security Policy, as they may be amended from time to time in the future. If you do not agree to this Agreement, then you may not use the Services.

2. Accepting the Terms

By using the information, tools, features, software and functionality including content, updates and new releases provided by UsableCash.com Services, you agree to be bound by this Agreement, whether you are a “Visitor” (which means that you simply browse the UsableCash.com website), or a “Customer” (which means that you have registered for an account with us to use any one of our Services.) The term “you” or “User” refers to a Visitor, Member or Customer. The term “we” refers to UsableCash.com. If you wish to become a Customer or want to make use of the Services, you must read this Agreement and indicate your acceptance during the registration process.

You may not use any of the Services and you may not accept this Agreement if you are not legally authorized to accept and be bound by these terms or are not at least 18 years of age and, in any event, of a legal age to form a binding contract with UsableCash.com.

Before you continue, you should print or save a local copy of this Agreement for your records.

3. UsableCash.com Privacy and your Personal Information You can view the UsableCash.com Privacy Policy on the Site for the Services. You agree to the applicable UsableCash.com Privacy Statement, and any changes published by UsableCash.com. You agree that UsableCash.com may use and maintain your data according to the UsableCash.com’s Privacy Statement, as part of the Services. You give UsableCash.com permission to collect the information you enter to improve the Services or to design promotions.

4. Description of the Services The UsableCash Service is a financial forecasting service that allows you to consolidate and track your financial future on a 5-year rolling basis. The UsableCash.com Service is provided to you by UsableCash.com without charge, for 60 days, thereafter $5 USD per month, or $45 USD per year, to continue the use of your 5-year budget, and is meant to provide you with information to allow you to organize and manage your finances, locate your usable cash on a day-to-day basis, locate your first and largest adverse (negative) balance by a specified date, project a prospective bill by using the “Test New Bill” feature, place-hold checks and one time outgoing and incoming monies and find ways to save. We allow one account per email.

5. Your Registration Information and Electronic Communications

In order to allow you to use the Services, you will need to sign up for an account with UsableCash.com. We may verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries require you to take steps to confirm ownership of your email address and enter a payment option, of which will not draft until the 4th month of use, and you may cancel at anytime. If you do not provide this information, or UsableCash.com cannot verify your identity, we can refuse to allow you to use the Services.

You agree and understand that you are responsible for maintaining the confidentiality of your password, which, together with your email address, allows you to access the Sites. That email and password, together with your payment option, or other information you provide form your “Registration Information.” By providing us with your e-mail address, you consent to receive all required notices and information. Electronic communications may be posted on the Services site and/or delivered to your email address that we have on file for you. It is your responsibility to promptly update us with your complete, accurate contact information, or change your information, including email address, as appropriate. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the e-mail or through a link to the appropriate page on our site, accessible through any standard, commercially available Internet browser. Your consent to receive communications electronically is valid until you end your relationship with us.

You may print a copy of any electronic communications and retain it for your records. We reserve the right to terminate or change how we provide electronic communications and will provide you with appropriate notice in accordance with applicable law.

If you become aware of any unauthorized use of your Registration or Account Information for the Services, you agree to notify UsableCash.com immediately at the email address – info@usablecash.com

If you believe that your Registration or Account Information or device that you use to access the Services has been lost or stolen, that someone is using your account without your permission, or that an Unauthorized Transfer (as defined in Section 25.1 Bill Payment Services below) has occurred, you must notify us immediately in order to minimize your possible losses.

6. Your Use of the Services

Your right to access and use the Sites and the Services is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Sites and Services for lawful purposes. Accurate records enable UsableCash.com to provide the Services to you. You must provide true, accurate, current and complete information about your accounts maintained at other web sites, as requested during the account setup processes, and you may not misrepresent your Registration and Account Information. In order for the Services to function effectively, you must also keep your Registration and Account Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Services will be affected.

These Services require that you enter your current bank account balance, used in conjunction with UsableCash.com, upon each login attempt, to enter any pending transactions, not specified by you in Step 2 Bills, to reconcile your bank account activity by using the Remove or Reconcile with your Bank feature, in order to display an accurate running total balance.

Your access and use of the Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Services or other actions that UsableCash.com, in its sole discretion, may elect to take. In no event will UsableCash.com be liable to any party for any loss, cost, or damage that results from any scheduled or unscheduled downtime. We are not to be held liable or responsible for any deficits, fees, overdrafts, adverse financial statuses with any of your bank accounts, creditors, merchants and/or credit reports.

7. Use With Your Mobile Device Use of these Services may be available through a compatible mobile device, Internet and/or network access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider.

UsableCash.com MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO: (i) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE SERVICES AT ANY TIME OR FROM ANY LOCATION; (ii) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATION SERVICES; AND (iii) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE SERVICES.

8. Online and Mobile Alerts UsableCash.com may from time to time provide automatic alerts and voluntary account-related alerts. Automatic alerts may be sent to you following certain changes to your account or information, such as a change in your Registration Information.

Voluntary account alerts may be turned on by default as part of the Services. They may then be customized, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts. UsableCash.com may add new alerts from time to time, or cease to provide certain alerts at any time upon its sole discretion.

Each alert has different options available, and you may be asked to select from among these options upon activation of your alerts service.

You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. UsableCash.com may make commercially reasonable efforts to provide alerts in a timely manner with accurate information, but cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. UsableCash.com shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you.

Electronic alerts will be sent to the email address you have provided for the Services. If your email address changes, you are responsible for informing us of that change. Changes to your email address will apply to all of your alerts.

Because alerts are not encrypted, we will never include your password. Depending upon which alerts you select, information such as the due date for your upcoming bill may be included. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future alerts.

9. Rights You Grant to Us By submitting information, data, passwords, usernames, other log-in information, materials and other content to UsableCash.com through the Services, you are licensing that content to UsableCash.com for the purpose of providing the Services. UsableCash.com may use and store the content in accordance with this Agreement and our Privacy Statement. You represent that you are entitled to submit it to UsableCash.com for use for this purpose, without any obligation by UsableCash.com to pay any fees or be subject to any restrictions or limitations.

10. UsableCash.com’s Intellectual Property Rights

The contents of the Services, including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programs) and other material are protected under both United States and other applicable copyright, trademark and other laws. The contents of the Services belong or are licensed to UsableCash.com or its software or content suppliers. UsableCash.com grants you the right to view and use the Services subject to these terms. You may print a copy of information for the Services for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from the Services in whole or in part for any other purpose is expressly prohibited without our prior written consent. You agree not to use, nor permit any third party to use, the Site or the Services or content in a manner that violates any applicable law, regulation or this Agreement.

11. Access and Interference You agree that you will not:

Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Services or any portion of the Services, without UsableCash.com’s express written consent, which may be withheld in UsableCash.com’s sole discretion;

Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the services, other than the search engines and search agents available through the Services and other than generally available third-party web browsers (such as Microsoft Internet Explorer or Safari); Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Services; Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Services; or

Attempt to gain an unauthorized access to any portion of the Services.

12. Rules for Posting As part of the Services, UsableCash.com may allow you to post content on bulletin boards, blogs and at various other publicly available locations on the Sites. These forums may be hosted by UsableCash.com or by one of our third party service providers on UsableCash.com’s behalf. You agree in posting content to follow certain rules.

You are responsible for all content you submit, upload, post or store through the Services.

You are responsible for all materials ("Content") uploaded, posted or stored through your use of the Services. You grant UsableCash.com a worldwide, royalty-free, non-exclusive license to host and use any Content provided through your use of the Services. Archive your Content frequently.

You are responsible for any lost or unrecoverable Content. You must provide all required and appropriate warnings, information and disclosures. UsableCash.com is not responsible for the Content or data you submit through the Services. By submitting content to us, you represent that you have all necessary rights and hereby grant us a perpetual, worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of the content in connection with Services and our business, including without limitation for promoting and redistributing part or all of the site (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each User a non-exclusive license to access your posted content through the Sites, and to use, reproduce, distribute, prepare derivative works of, display and perform such content as permitted through the functionality of the Services and under this Agreement.

You agree not to use, nor permit any third party to use, the Services to

a) post or transmit any message which is libelous or defamatory, or which discloses private or personal matters concerning any person;

b)post or transmit any message, data, image or program that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive; that encourages conduct that would be considered a criminal offense, give rise to civil liability or violate any law; or that is otherwise inappropriate;

c)post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion; or

d) interfere with other Users’ use of the Service, including, without limitation, disrupting the normal flow of dialogue in an interactive area of the Sites, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Service infrastructure or that negatively affects the availability of the Service to others.

Except where expressly permitted, you may not post or transmit charity requests; petitions for signatures; franchises, distributorship, sales representative agency arrangements, or other business opportunities (including offers of employment or contracting arrangements); club memberships; chain letters; or letters relating to pyramid schemes. You may not post or transmit any advertising, promotional materials or any other solicitation of other users to use goods or services except in those areas (e.g., a classified bulletin board) that are designated for such purpose.

You agree that any employment or other relationship you form or attempt to form with an employer, employee, or contractor whom you contact through areas of the Sites that may be designated for that purpose is between you and that employer, employee, or contractor alone, and not with us.

You may not copy or use personal identifying or business contact information about other Users without their permission. Unsolicited e-mails, mailings, telephone calls, or other communications to individuals or companies whose contact details you obtain through the Services are prohibited.

You agree that we may use any content, feedback, suggestions, or ideas you post in any way, including in future modifications of the Service, other products or services, advertising or marketing materials. You grant us a perpetual, worldwide, fully transferable, sublicensable, non-revocable, fully paid-up, royalty free license to use the content and feedback you provide to us in any way.

The Services may include a community forum or other social features to exchange information with other users of the Services and the public. UsableCash.com does not support and is not responsible for the content in these community forums. Please use respect when you interact with other users. Do not reveal information that you do not want to make public. Users may post hypertext links to content of third parties for which UsableCash.com is not responsible.

13. Social media sites UsableCash.com may provide experiences on social media platforms such as Facebook®, Twitter® and LinkedIn® that enable online sharing and collaboration among users who have registered to use them. Any content you post, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those platforms. Please refer to those social media platforms to better understand your rights and obligations with regard to such content.

14. Disclaimer of Representations and Warranties

THE SITES, SERVICES, INFORMATION, DATA, FEATURES, AND ALL CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SERVICES OR PROVIDED THROUGH THE SERVICES (WHETHER OR NOT SPONSORED) ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. UsableCash.com, ITS AFFILIATES, AND ITS THIRD PARTY PROVIDERS, LICENSORS, DISTRIBUTORS OR SUPPLIERS (COLLECTIVELY, "SUPPLIERS") MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SITE OR OF THE SERVICES.

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. NEITHER UsableCash.com OR ITS SUPPLIERS MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE SITES OR OF THE SERVICES (WHETHER OR NOT SPONSORED), AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER OR ITS SUPLIERS MAKE ANY REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 14 AND 16 OF THIS PROVISION MAY NOT APPLY TO YOU.

15. Not a Financial Planner, Broker or Tax Advisor

NEITHER UsableCash.com NOR THE SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. UsableCash.com IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. The Services are intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

16. Limitations on UsableCash.com’s Liability

UsableCash.com SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO THE SITES, YOUR USE OF THE SERVICES, THE SITES OR THIS AGREEMENT, EVEN IF UsableCash.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, UsableCash.com’s LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF $100.00 (ONE HUNDRED UNITED STATES DOLLARS).

17. Your Indemnification of UsableCash.com

You shall defend, indemnify and hold harmless UsableCash.com and its officers, directors, shareholders, and employees, from and against all claims, suits, proceedings, losses, liabilities, and expenses, whether in tort, contract, or otherwise, that arise out of or relate, including but not limited to attorney, UsableCash.com’s fees, in whole or in part arising out of or attributable to any breach of this Agreement or any activity by you in relation to the Sites or your use of the Services.

18. Ending your subscription with UsableCash.com This Agreement will continue to apply until terminated by either you or UsableCash.com (or any UsableCash.com affiliate/subsidiary) as set out below. If you want to terminate this legal agreement for the Services, you may do so as follows:

To close your account, please use the directions below:

Go to “Edit Bills/Income”.

Click the “Memberships/Subscriptions” icon

Click “Delete Bill” - a pop up will ask if you are ready to delete your 5 year forecasted budget.

Click “Agree” to cancel your membership.

Your account will be closed and your ability to login deactivated immediately. Your UsableCash.com account data will be removed as explained in our Privacy Statement and we will send you a confirmation via email.

19. Modifications UsableCash.com reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice. UsableCash.com reserves the right to change the Services, including applicable fees, in our sole discretion and from time to time. In such event, if you are a paid user to the UsableCash Services and Bill Payment Services, UsableCash.com will provide notice to you. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services, after you are notified of any change(s) will constitute your agreement to such change(s). You agree that UsableCash.com shall not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Services.

UsableCash.com may modify this Agreement from time to time. Any and all changes to this Agreement may be provided to you by electronic means (i.e., via email or by posting the information on the Sites). In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Services after those changes are posted.

20. Governing Law and Forum for Disputes California state law governs this Agreement without regard to its conflicts of laws provisions. ANY DISPUTE OR CLAIM RELATING IN ANY WAY TO THE SERVICES OR THESE TERMS OF USE WILL BE RESOLVED BY BINDING ARBITRATION, RATHER THAN IN COURT, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this provision; the arbitrator shall apply California law to all other matters. Notwithstanding anything to the contrary, any party to the arbitration may at any time seek injunctions or other forms of equitable relief from any court of competent jurisdiction. WE EACH AGREE THAT ANY AND ALL DISPUTES MUST BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. BY ENTERING INTO THIS AGREEMENT AND AGREEING TO ARBITRATION, YOU AGREE THAT YOU AND UsableCash.com ARE EACH WAIVING THE RIGHT TO FILE A LAWSUIT AND THE RIGHT TO A TRIAL BY JURY. IN ADDITION, YOU AGREE TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS. YOU AGREE THAT YOU HAVE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS.

To begin an arbitration proceeding, email a letter requesting arbitration and describing your claim to UsableCash.com, in care of our registered agent Corporation Service Company, to info@usablecash.com. Arbitration will be conducted by the American Arbitration Association (AAA) before a single AAA arbitrator under the AAA’s rules, which are available at www.adr.org or by calling 1-800-778-7879. Payment of all filing, administration and arbitrator fees and costs will be governed by the AAA’s rules, but if you are unable to pay any of them, we will pay them for you. In addition, we will reimburse all such fees and costs for claims totaling less than $1,000 unless the arbitrator determines the claims are frivolous. Likewise, we will not seek its attorneys’ fees or costs in arbitration unless the arbitrator determines your claims or defenses are frivolous. The decision of the arbitrator shall be final and not appealable, and judgment on the arbitration award may be entered in any court having jurisdiction thereof. This Section 21 shall survive expiration, termination or rescission of this Agreement.

21. Allegations of Copyright and Trademark Infringements; Notification

UsableCash.com respects the intellectual property rights of others and UsableCash.com asks that users of the Site and Services do the same. If you believe that your intellectual property is being used on the Site in a way that constitutes copyright infringement, please provide our Designated Agent (set forth below) the following information (as required by Section 512(c)(3) of the Digital Millennium Copyright Act):

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.

Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material.

Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted.

A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.

A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

The information specified above must be sent to UsableCash.com’s Designated Agent, whose contact information is as follows:

info@usablecash.com

FAX: 209-289-0893

Please note that Section 512(f) of the Digital Millennium Copyright Act may impose liability for damages on any person who knowingly sends meritless notices of infringement. Please do not make false claims.

Any information or correspondence that you provide to UsableCash.com may be shared with third parties, including the person who provided UsableCash.com with the allegedly infringing material.

Upon receipt of a bona fide infringement notification by the Designated Agent, it is UsableCash.com’s policy to remove or disable access to the infringing material, notify the user that it has removed or disabled access to the material, and, for repeat offenders, to terminate such user UsableCash.com’s access to the service.

If you believe that your content should not have been removed for alleged copyright infringement, you may send UsableCash.com’s Designated Agent a written counter-notice with the following information: Identification of the copyrighted work that was removed, and the location on the Site where it would have been found prior to its removal; A statement, under penalty of perjury, that you have a good faith belief that the content was removed as a result of a mistake or misidentification; and Your physical or electronic signature, together with your contact information (address, telephone number and, if available, email address).

If a counter-notice is received by the Designated Agent, we may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed material or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the user, the removed material may be replaced or access to it restored in 10 to 14 business days or more after receipt of the counter-notice, at our discretion.

22. UsableCash.com Requirements. If you downloaded any of the Services or product from the Mac App Store, the following terms also apply to you:

Acknowledgement: You acknowledge that this Agreement is between you and UsableCash.com only, and not with UsableCash.com, and UsableCash.com, not UsableCash.com, is solely responsible for the Software and the content thereof.

Scope of License: The license granted to you for the Software is a limited, non-transferable license to use the Software on Mac product that you own or control and as permitted by the Usage Rules set forth in the terms of service applicable to the Mac App Store.

Maintenance and Support: UsableCash.com and not UsableCash.com is solely responsible for providing any maintenance and support services, for which additional fees may apply, with respect to the Services. You acknowledge that UsableCash.com has no obligation whatsoever to furnish any maintenance and support services with respect to the Software.

Warranty: UsableCash.com is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Software to conform to any applicable warranty, you may notify UsableCash.com, and UsableCash.com will refund the purchase price for the Software to you. To the maximum extent permitted by applicable law, UsableCash.com will have no other warranty obligation whatsoever with respect to the Software, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be UsableCash.com’s sole responsibility.

Product Claims: UsableCash.com, not UsableCash.com, is responsible for addressing any user or third party claims relating to the Software or the user’s possession and/or use of the Software, including, but not limited to: (i) product liability claims; (ii) any claim that the Software fail to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

Intellectual Property Rights: You acknowledge that, in the event of any third party claim that the Software or your possession and use of the Software infringes that third party UsableCash.com’s intellectual property rights, UsableCash.com, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.

Legal Compliance: 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; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

Developer Contact Info: Direct any questions, complaints or claims to: info@usablecash.com

Third Party Terms of Agreement: You must comply with any applicable third party terms of agreement when using the Software.

Third Party Beneficiary: You acknowledge and agree that UsableCash.com and UsableCash.com’s subsidiaries are third party beneficiaries of this Agreement, and that, upon your acceptance of the terms and conditions of the Agreement, UsableCash.com will have the right (and will be deemed to have accepted the right) to enforce the Agreement against you as a third party beneficiary thereof.

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