Terms and Conditions:

Please read these Terms of Service (these “Terms”) and our Privacy Policy carefully because they govern your use of the website located at https://Quv.io/, associated website APIs (collectively, the “Site”), together with any applications, including mobile applications, and the services accessible via the Site, including the Quv.io Wallet (as defined below) and the Apps (together with the Site and Apps, the “Services”) offered by MyNearWallet LLC (the “Company”, “we”, “our” or “us”).

By accessing or using any or all of the Services, you expressly acknowledge that (i) you have read and understood these Terms; (ii) you agree to be bound by these Terms; and (iii) you are legally competent to enter into these Terms. If you do not agree to be bound by these Terms or any updates or modifications to these Terms, you may not access or use our Services. WE DO NOT PROVIDE INVESTMENT OR FINANCIAL ADVICE OR CONSULTING SERVICES. WE ARE SOLELY THE PROVIDER OF QUV.IO WALLET AND WE DO NOT ADVISE OR MAKE RECOMMENDATIONS ABOUT ENGAGING IN DIGITAL ASSET TRANSACTIONS OR OPERATIONS. DECISIONS TO ENGAGE IN TRANSACTIONS OR PERFORM OPERATIONS INVOLVING DIGITAL ASSETS SHOULD BE TAKEN ON YOUR OWN ACCORD.

IMPORTANT NOTICE REGARDING ARBITRATION: THESE TERMS CONTAIN ADDITIONAL PROVISIONS APPLICABLE ONLY TO YOU. WHEN YOU AGREE TO THESE TERMS YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND MYNEARWALLET LLC THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY SECTION 27 “HOW CAN WE RESOLVE DISPUTES?” BELOW FOR DETAILS REGARDING ARBITRATION.

1. What is the scope of the Terms?

A. By accessing or using the Services, you agree that you have read, understood, and accept all of the terms and conditions contained in these Terms including the Cookie Policy and the Privacy Policy, as each may be amended from time to time, which are hereby incorporated herein by reference. If you do not agree with these Terms, you must not access or use the Services.

B. From time to time, we may change these Terms. If we do this, then we will publish those changes on the Site. It is important that you review these Terms each time you use or access the Services. If you continue to use or access the Services after we have posted updated Terms it means that you accept and agree to the changes and you will be bound by those new terms the next time you use the Services. If you do not agree to any changes, you must not use or access the Services. Because the Services are evolving over time we may change or discontinue all or any part of the Services, at any time and without notice, at our sole discretion.

2. What do some of the capitalised terms mean in these Terms?

Supported Digital Assets means the digital assets, that we may, in our sole discretion, enable the Quv.io Wallet to support.

‍Supported Protocols means the protocols that we may, in our sole discretion, enable the Quv.io wallet to support.

‍Quv.io Wallet means a cryptographic storage solution (non-custodial wallet) available through the Services that permits you to interface with the Supported Protocols to send, receive, and/or store Supported Digital Assets.

‍Quv.io Account means an account created by you in order to access the Services.

‍Quv.io Access Key refers to a cryptographic keypair associated with a Quv.io Account.

‍Quv.io Private Key means a unique sequence of numbers and/or letters required to interact with a Quv.io Account.

‍Credentials means the valid username associated with a Quv.io Account, together with any associated account recovery mechanism and any other associated data securing the associated Quv.io Account.

‍Force Majeure Event means any event, circumstance or cause beyond our reasonable control, which prevents, hinders or delays the provision of the Services or makes their provision impossible or onerous, including, without limitation: (a) acts of God, flood, storm, drought, earthquake or other natural disaster; (b) epidemics or pandemics (for the avoidance of doubt, including the Coronavirus Pandemic); (c) terrorist attacks, hacking or cyber threats, civil commotion or riots, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, or breaking off of diplomatic relations; or (d) equipment or software malfunction or bugs including network splits or forks or unexpected changes in Supported Protocols, as well as hacks, phishing attacks, distributed denials of service or any other security attacks.

3. What are the Services of the Quv.io Wallet?

The Quv.io Wallet is a software platform that enables you to interface with the Supported Protocols to:

A. Generate wallet addresses and associated private keys that you may use to send and receive Supported digital assets;
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B. Access services, content, features, products, applications, smart contracts, or other functionality provided, owned or licensed by a third party (“Third Party Applications”) designed to interoperate with the Services.

4. What kind of wallet is the Quv.io Wallet?

The Quv.io Wallet is a non-custodial wallet for Supported Digital Assets. We do not hold or control your Supported Digital Assets. Quv.io Wallet is only an interface to the Supported Protocols and does not operate the Supported Protocols. Quv.io Wallet is unable to control the actions of others on the Supported Protocols. When using the Quv.io Wallet, you are interfacing with the Supported Protocols. As such, you will not be able to reverse or cancel a transaction once you have confirmed through the Quv.io Wallet that you wish to proceed with the transaction. Transactions on the Supported Protocols are irreversible and, as such, we cannot assist you to reverse or modify any transactions.

We do not, through the Services generally or the Quv.io Wallet specifically, provide any form of legal, financial, accounting, tax or other professional advice regarding transactions and their suitability to you.

You acknowledge that using digital assets (including Supported Digital Assets), their networks and protocols (including the Supported Protocols), involves serious risks. While we have included several examples of the risks of digital assets below and we may alert you of additional risks from time to time, we have no responsibility to alert you to all of the attendant risks. We have no control over, and make no representations regarding, the value of the Supported Digital Assets, or the security of the Supported Protocols. It is your duty to learn about all the risks involved with the Supported Digital Assets, the Supported Protocols, and the Quv.io Wallet. Examples of these risks include, without limitation:

• The value of digital assets, including Supported Digital Assets, can change rapidly, increase or decrease unexpectedly, and potentially even fall to zero.
• Transactions using digital assets, including Supported Digital Asset transactions using the Quv.io Wallet, may be delayed and may never complete.
• If you send unsupported digital assets to your Quv.io Wallet account, your digital assets may be lost entirely and may not be recoverable.
• Transactions involving Supported Digital Assets, including transactions made using the Quv.io Wallet, are irreversible and if sent to the wrong account or address, your Supported Digital Assets cannot be retrieved.

5. Are we responsible for the security of your Private Keys, seed words or other credentials?

A. YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING THE SECURITY OF YOUR QUV.IO ACCOUNT, ANY ASSOCIATED CREDENTIALS INCLUDING ANY QUV.IO ACCESS KEYS AND/OR QUV.IO PRIVATE KEYS. FAILURE TO DO SO MAY RESULT IN THE LOSS OF CONTROL OF ANY SUPPORTED DIGITAL ASSETS ASSOCIATED WITH YOUR QUV.IO ACCOUNT(S).

B. You are responsible for implementing all appropriate measures for securing any Quv.io Account you use, including any Credentials or and any other data that can be used to access the Quv.io Wallet or Quv.io Account.

C. You acknowledge and agree that you are solely responsible for evaluating and adopting security procedures to secure and recover your Quv.io Account and any Supported Digital Assets associated therewith. As such, you agree that we shall not be liable for any failure of any security procedures or any other acts or omissions that may result in your loss of access to your Quv.io Account or associated Supported Virtual Assets.

D. The Company does not receive or store your Credentials (as defined below). Therefore, we cannot assist you with the retrieval of Credentials if you lose them. You are solely responsible for remembering your Credentials. If you have not safely stored a backup of any Credentials, you accept and acknowledge that any Supported Digital Assets you have associated with your Account will become inaccessible if you do not remember your Credentials.

6. Are you eligible to use the Services?

A. THE SERVICES ARE NOT AVAILABLE TO PERSONS UNDER THE AGE OF 18, or in certain jurisdictions, under 16 (“Minors”) and we do not knowingly collect information from Minors.

B. You must have the full right, power, and authority to enter into and comply with these Terms on behalf of yourself and any company or legal entity for which you may access or use the Services. Furthermore, the Services are not available to any User previously removed from the Services by us.

C. The Services are operated out of Saint Vincent and the Grenadines. The Services may not be available or appropriate for use in other jurisdictions. You must not use the Services if your use of them would be illegal or otherwise violate any law you are subject to. We are not liable for your compliance with such laws.

D. You must not be, and will not be, located in any jurisdiction that is the subject of an embargo by the United States, the United Kingdom, the European Union or Switzerland and you are not listed on any list of prohibited or restricted parties by those foregoing. By using the Services, or any part thereof, you represent and warrant that: (i) you are not a citizen, resident, or member of any jurisdiction or group that is subject to economic sanctions by the United States, the United Kingdom, the European Union or Switzerland or any other relevant jurisdiction; and (ii) you do not appear on HMT Sanctions List, the U.S. Treasury Department’s Office of Foreign Asset Control’s sanctions lists, the U.S. commerce department's consolidated screening list, the EU consolidated list of persons, groups or entities subject to EU Financial Sanctions, United Nations Security Council Consolidated List, nor do you act on behalf of a person sanctioned thereunder.

E. You represent and warrant that any information you provide via the Services is accurate and complete. You accept and acknowledge that the Company is not responsible for any errors or omissions that you make in connection with any transaction initiated via the Services, for instance, if you mistype a recipient’s username or otherwise provide incorrect information. You agree to review your transactions carefully before completing them via the Services.

7. How do you access the services?

A. If you wish to access the Services, you must create a Quv.io Account through the Services. When you create a Quv.io Account through the Services, you must select a recovery method to secure your account to generate an account recovery mechanism. You must retain your Credentials to access your Quv.io Account and Supported Digital Assets through the Services. You are solely responsible for maintaining the security of your Quv.io Account including protecting your Credentials and promptly notify us if you discover or otherwise suspect any security breaches related to your Account. Further, if available you will regularly use the backup functionality provided by the Services and safeguard your backup files as you would safeguard your most important personal information. PLEASE NOTE, IF YOUR ACCOUNT HAS BEEN COMPROMISED, YOUR SUPPORTED DIGITAL ASSETS MAY BE GONE FOREVER EVEN IF YOU PROMPTLY NOTIFY US OF DISCOVERED OR SUSPECTED SECURITY BREACH.

B. You hereby accept and acknowledge that you will take responsibility for all activities that occur under your Quv.io Account and accept all risks of any authorized or unauthorized access to your Quv.io Account, to the maximum extent permitted by law.

C. We may, in our sole discretion, with or without prior notice and at any time, suspend, modify or terminate, temporarily or permanently, all or any portion of the Services, with or without reason, including, without limitation, for any of the following reasons: (i) you create risk or possible legal exposure for us; (ii) our provision of the Services, or any part thereof, to you is no longer commercially viable; and (iii) if you breach these Terms.

8. What licenses and access do we grant to you?

A. All intellectual property rights in the Quv.io Wallet and the Services throughout the world belong to us and/or our licensors and the rights in the Services and the Services are only licensed to you. Nothing in these terms gives you any rights in respect of any intellectual property owned by us or our licensors and you acknowledge that you do not acquire any ownership rights by accessing or using the Quv.io Wallet, the Services, or any portion thereof.

B. The Services may contain code, commonly referred to as open source software, which is distributed under open source license terms, including terms which allow the free distribution and modification of the relevant software’s source code and/or which require all distributors to make such source code freely available upon request, including any contributions or modifications made by such distributor (“Open Source Software”). To the extent that the Services contain any Open Source Software, that element only is licensed to you under the relevant license terms of the applicable third party licensor (“Open Source License Terms”) and not under these Terms, and you accept and agree to be bound by such Open Source License Terms.

9. What can you expect from the Services and can we make changes to them?

A. Except as set out in these Terms, we do not warrant, represent or guarantee that the Services will be accurate, complete, correct, reliable integer, fit for purpose, secure or free from weaknesses, vulnerabilities or bugs.

B. You understand and accept that you use the Services at your own risk.

C. To the fullest extent permitted by law, we provide the Services to you “as is” and “as available” without any warranty, representation or assurance (whether express or implied) in relation to merchantability, fitness for a particular purpose, availability, security, title or non-infringement.

D. We reserve the right to change the format and features of the Services by making any updates to Services or, where your device settings permit it, by automatic delivery of updates.

E. We may cease to provide and/or update content to the Services, with or without notice to you, if it improves the Services we provide to you, or we need to do so for security, legal or any other reasons.

10. Do we have any fiduciary duties to you?

These Terms are not intended to, and do not, create or impose any fiduciary duties on us. To the fullest extent permitted by law, you acknowledge and agree that we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated. You further agree that the only duties and obligations that we owe you are those set out expressly in these Terms.

11. What about third-party risk and the terms of third party providers?

A. We do not own or control the Supported Protocols. The Supported Protocols, may be subject to changes (e.g., forks) and such changes may materially impact the function, value, or name of Supported Digital Assets. You acknowledge and agree that: (i) we are not responsible for the operation of any Supported Protocol and we make no guarantee of their functionality, security or availability; and (ii) we may temporarily or permanently discontinue support of any Supported Protocol or Supported Digital Asset.

B. The Services rely in part on third party and open-source software, including the Supported Protocols, and the continued development and support by third parties. There is no assurance or guarantee that those third parties will maintain their support of their software or that open source software will continue to be maintained. This may have a material adverse effect on the Services.

C. In connection with your use of the Services, you may be offered or made aware of services, content, features, products, Third Party Applications, offers and promotions providers by third parties (collectively, “Third Party Services”). Our inclusion or promotion of Third Party Services does not reflect a sponsorship, endorsement, approval, or verification by us. Your use, access, and exchange of data with any Third Party Services is at your own risk and subject to terms and conditions between you and the provider of the Third Party Services. We do not warrant any Third Party Services in any way.

12. Can your Data Privacy be ensured?

A. The Services are built to utilize the Supported Protocols. Accordingly, by design, and practically, the records cannot be changed or deleted and are said to be ‘immutable.’ This may affect your ability to exercise your rights such as your right to erasure (‘right to be forgotten’), or your rights to object or restrict processing of your personal data. Data on the majority of  Supported Protocols cannot be erased and cannot be changed.

B. In order to comply with some of our contractual obligations to you, it will be necessary to write certain personal data, such as your Quv.io Account, onto the Supported Protocols.

C. The ultimate decisions to (i) transact on the Supported Protocols using your Quv.io Account, as well as (ii) share the public key relating to your Quv.io Account address with anyone (including us) rests with you.

D. When using the Quv.io Wallet, we may collect and process personal data, including your Quv.io Account and any associated information, Transactions made with the Quv.io Wallet, balances of Supported Digital Assets are stored within the Quv.io Wallet.

E. IF YOU WANT TO ENSURE YOUR PRIVACY RIGHTS ARE FULLY AVAILABLE, YOU SHOULD NOT TRANSACT ON THE SUPPORTED PROTOCOLS AS CERTAIN RIGHTS WILL NOT BE FULLY AVAILABLE OR EXERCISABLE BY YOU OR US.

F. For more information please also refer to our Privacy Policy.

13. What do you agree, warrant and represent?

You agree not to do any of the following:

A. Use, display, mirror or frame the Services or any individual element within the Services, the Company’s name, any Company trademark, logo or other proprietary information, or the layout and design of any page or form contained on a page, without Company’s express written consent;

B. Access, tamper with, or use non-public areas of the Services, Company’s computer systems, or the technical delivery systems of Company’s providers;

C. Attempt to probe, scan or test the vulnerability of the Services, or any Company system or network or breach any security or authentication measures;

D. Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by Company or any of Company’s providers or any other third party (including another user) to protect the Services;

E. Attempt to access or search the Services or download any information from the Services, through the use of any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by Company or available through the Services;
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F. Use or access the Services for the purpose of sending any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters or other form of solicitation;

G. Use any meta tags or other hidden text or metadata utilizing a Company trademark, logo URL or product name without Company’s express written consent;

H. Use the Services, or any portion thereof, for any commercial purpose or for the benefit of any third party or in any manner not permitted by these Terms;

I. Forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Services to send altered, deceptive or false source-identifying information;

J. Attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Services;

K. Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Services;

L. Collect or store any personally identifiable information from the Services from other users of the Services without their express permission;
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M. Impersonate or misrepresent your affiliation with any person or entity;

N. Use the Services for activities that are unlawful or fraudulent or have such purpose or effect or otherwise support any activities that breach applicable local, national or international law or regulations;

O. Use the Services to store, trade or transmit Supported Digital Assets that are proceeds of criminal or fraudulent activity.

P. Use the Services for activities that are unlawful or fraudulent or have such purpose or effect or otherwise support any activities that breach applicable local, national or international law or regulations;

Q. Use the Services or interact with the Services in a manner that violates any law or regulation, including, without limitation, any applicable export control laws; or

R. Encourage or enable any other individual to do any of the foregoing.

Although we are not obligated to monitor access to or use of the Services, we have the right to do so for the purpose of operating the Services, to ensure compliance with these Terms and to comply with applicable law or other legal requirements. We have the right to investigate violations of these Terms or conduct that affects the Services. We may also consult and cooperate with law enforcement authorities to prosecute users who violate the law.

14. What if you breach these Terms or we incur damages in connection with your use of the Services?

A. You will indemnify and hold the Company and its officers, directors, employees and agents, harmless from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (a) your access to or use of the Services, or (b) your violation of these Terms.

B. You agree that you will be liable for any losses sustained by us as a result of your breach of these Terms and will compensate us in full for any such losses.

C. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you pursuant to paragraph A of this section and, in such case, you agree to cooperate with us in the defense of such matter.

D. The indemnity set out in this clause is in addition to, and not in lieu of, any other remedies that may be available to us under applicable law.

15. What about our liability to you?

A. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER THE COMPANY NOR ITS SERVICE PROVIDERS INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SERVICES WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST SAVINGS, LOST BUSINESS OPPORTUNITY, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE SERVICES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT CLIENT OR ITS SERVICE PROVIDERS HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, EVEN IF A LIMITED REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

B. TO THE MAXIMUM EXTENT PERMITTED BY THE LAW OF THE APPLICABLE JURISDICTION, IN NO EVENT WILL CLIENT’S TOTAL LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES EXCEED THE AMOUNTS YOU HAVE PAID OR ARE PAYABLE BY YOU TO CLIENT FOR USE OF THE SERVICES OR ONE HUNDRED DOLLARS ($100), IF YOU HAVE NOT HAD ANY PAYMENT OBLIGATIONS TO CLIENT, AS APPLICABLE.

C. THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN THE COMPANY AND YOU.

16. What about viruses, bugs and security vulnerabilities?

A. We do not guarantee that the Services will be secure or free from bugs, security vulnerabilities or viruses.

B. You are responsible for configuring your information technology and computer programs to access the Services and to use your own virus protection software.
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C. If you become aware of any exploits, bugs or vulnerabilities, please let us know at: info@Quv.io

D. You must not misuse the Services by knowingly introducing material that is malicious or technologically harmful. If you do, your right to use the Services will cease immediately.

17. Can you link to our Interfaces?

A. You may link to our Interfaces, provided you do so in a way that is fair and legal and does not damage our reputation. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to the Services in any application that is not owned by or licensed to you.

B. Our Interface must not be framed on any other graphical user interface, nor may you create a link to any part of our graphical user interface other than the home page https://quv.io/. We reserve the right to withdraw linking permission without notice.

C. The graphical user interface or application in which you are linking must comply in all respects with the content standards set out in these Terms. If you wish to link to or make any use of content on our Interface other than that set out above, please contact: info@Quv.io

18. What if an event outside our control happens that affects the Services?

We may update and change the Services from time to time. We may suspend or withdraw or restrict the availability of all or any part of the Services for business, operational or regulatory reasons or because of a Force Majeure Event at no notice.

We shall not be liable or responsible to you, or be deemed to have defaulted under or breached these Terms, for any failure or delay in the provision of the Services or the performance of these Terms, if and to the extent such failure or delay is caused by or results from or is connected to acts beyond our reasonable control, including the occurrence of a Force Majeure Event

19. Who is responsible for your tax liabilities?

You are solely responsible for determining and paying any taxes, levies or similar governmental assessments of any nature (collectively, “Taxes”) associated with your use of the Services. By using the Services, you agree not to hold us liable for any tax liability associated with or arising from your access or use of the Services or any other action or transaction related thereto.

20. What if part of these Terms are determined to be invalid?

If any provision of these Terms is held invalid or unenforceable by an arbitrator or a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.

21. What if we do not enforce certain rights under these Terms?

The Company’s failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of the Company. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.

22. Do third parties have rights?

Unless it expressly states otherwise, these Terms do not give rise to any third party rights, which may be enforced against us.

23. Can these Terms be assigned?

You may not assign or transfer these Terms, by operation of law or otherwise, without the Company’s prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null. The Company may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.

24. Which clauses of these Terms survive termination?

Upon cancellation, suspension, or termination of the Services, the provisions that by their nature are intended to survive termination will survive including, without limitation, the following sections: 1, 2, 5, paragraph 3 of section 7, 9-15, and 18-28.

25. Which laws apply to these Terms?

These Terms shall be governed by and construed in accordance with the laws of Saint Vincent and the Grenadines.

26. How can you get support for the Quv.io Wallet and tell us about any problems?

If you want to learn more about the Quv.io Wallet or the Services or have any problems using them or have any complaints, please get in touch with us via Email: info@Quv.io

27. How can we resolve disputes?

A. In the event of a dispute between the parties concerning any matter arising from or concerned with these Terms, the parties shall use reasonable efforts to settle the dispute through negotiations conducted in good faith between the parties.

B. Any dispute, controversy or claim arising out of or relating to these Terms, or the breach, termination or invalidity thereof, shall be settled by arbitration in accordance with the Arbitration legislation of Saint Vincent and the Grenadines. The number of arbitrators shall be one. The place of arbitration shall be First Floor, First St Vincent Bank Ltd Building James Street, Kingstown, St. Vincent and the Grenadines unless the Parties agree otherwise. The language to be used in the arbitral proceedings shall be English.

28. If you are from the U.S.

A. You must be 18 (eighteen) years or older to access and use the Services. If you are under 18 (eighteen) years of age, you are not permitted to access and use the Services. Otherwise you may access to, and use of the Services only with the involvement of a parent or guardian. Due to the age restrictions for access and use of the Services, no information obtained within the Services Provision falls within The Children's Online Privacy Protection Act (“COPPA”) and is not monitored as doing so. In any event, you shall not access and use the Services, if you are under the age of 13 (thirteen). The COPPA requires us to obtain parental consent before we knowingly collect personally identifiable information online from children who are under the age of 13 (thirteen). We do not knowingly collect or solicit personally identifiable information from a child under the age of 13 (thirteen) without obtaining verifiable consent from that child's parent or guardian (“Parental Consent”), except for the limited amount of personally identifiable information we need to collect in order to obtain Parental Consent (“Required Information”). Until we have received Parental Consent, we will only use Required Information for the purpose of obtaining Parental Consent.
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B. We obtain Parental Consent using methods that are approved under the COPPA. For example, we may obtain Parental Consent by asking a child's parent or guardian to sign a consent form that we provide on the Infrastructure and to send it back to us via fax, mail, or electronic scan.

C. If you are a child under 13 (thirteen), please do not attempt to send any personal information about yourself to us before we obtain Parental Consent, except for the Required Information in the context of the Parental Consent process. If you believe that a child under 13 (thirteen) has provided us with personal information (beyond the Required Information) without our obtaining Parental Consent, please contact us at: info@Quv.io

29. Is this all?

A. MyNearWallet LLC and its licensors exclusively own all right, title and interest in and to the Services, including all associated intellectual property rights. You acknowledge that the Services are protected by copyright, trademark, and other laws. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services.

B. These Terms constitute the entire and exclusive understanding and agreement between you and us regarding the Services, and these Terms supersede and replace all prior oral or written understandings or agreements between you and us regarding the Services.

C. Any notices or other communications provided by MyNearWallet LLC under these Terms will be given: (i) via email; or (ii) by posting to the Services. For notices made by email, the date of receipt will be deemed the date on which such notice is transmitted.

D. If you have any questions about these Terms or the Services, please contact the Company at:
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‍MyNearWallet LLC
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‍Р.О. Вох 1574, Кingstown, VC0 100, St. Vincent and the Grenadines