General terms

THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION. IF YOU ARE AN PERSON FROM THE DOMINICAN REPUBLIC AND WE ARE NOT ABLE TO RESOLVE A DISPUTE THROUGH OUR USER OPERATIONS TEAM, ALL DISPUTES ARISING UNDER THIS USER AGREEMENT WILL BE RESOLVED IN A BINDING ARBITRATION AS OUTLINED IN SECTION 12. DOCUMENT CONSTITUTES A WAIVER OF YOUR RIGHT TO YOUR TRIAL BY JURY AND PARTICIPATION IN A CLASS ACTION LAWSUIT.

1. GENERAL USE

1.1 Eligibility
By using the Inverte Site and signing this User Agreement, you affirm that you are an individual, at least 18 years of age or older, who can enter into this User Agreement and you agree to be legally bound by the terms and conditions. terms of this User Agreement, including the Cookie Policy, Privacy Policy, and Business Principles incorporated herein, and their modifications from time to time. To use the Services, you may be required to provide certain identifying information per our Compliance Program.

1.2 Modification
1.2.1 We may modify the Agreement, rules, and related business policies of Inverte from time to time under applicable laws and regulations, or we should deem it necessary or reasonable. The announcement of the review will be published in the Terms of Use. You will periodically review this Agreement and the relevant Inverte business rules and policies, paying attention to revisions. If you do not agree with the revised content, you must immediately stop using the Service, refund the borrowed Currency, pay unpaid interest and charges, and delete the Escrow Account. By continuing to use the Service on or after the advertisement is posted, you agree to the updated terms of the Agreement, related rules and business policies of Inverte.

1.2.2 Please read the User Agreement carefully each time you use the Services. Your continued use of the Services signifies your agreement to be bound by the current User Agreement. Our failure or delay in enforcing or partially enforcing any provision of this User Agreement shall not be construed as a waiver of any of our rights.

2. COMPLIANCE WITH APPLICABLE LAW

Your relationship with Inverte and the use of any of the Services may be subject to the laws, regulations, and rules of the governmental or regulatory authorities in your jurisdiction or our (Applicable Law). By entering into this User Agreement, you agree to act under and be legally bound by all applicable laws.

3. ACCESS TO THE SERVICES

3.1 Limited license
We grant you a limited, non-exclusive, and non-transferable license to access and use the Services and the Inverte Site solely following the terms of this Agreement.

3.2 Credentials
You must keep all credentials associated with the Services secret. You are solely responsible for managing and maintaining the security of any information related to such credentials and you agree that Inverte will not be responsible (and will not hold us responsible) for unauthorized access to the Services or any resulting damage that you may suffer.

3.3 Compliance
Your access to one or more Services may depend on your satisfaction with our onboarding processes, as well as our Compliance Program, which may include verification of your identity and source of funds and additional information that we may request from time to time. The information we request may include, without limitation, personally identifiable information such as network address, name, email, address, telephone number, date of birth, taxpayer identification or social security number, official photo identification issued by the government and bank account information or other information that we may reasonably consider useful to satisfy our risk management or legal obligations. By providing us with this information, you declare that it is accurate and agree to update your user account information immediately, but in no event more than 14 days after any change in your information. If you do not provide information or update it promptly, the Services or funds may not be available to you.

3.4 Communications
Every one of Inverte's communications can be sent to you by email to the address you provided when accessing the Services. Inverte will not be liable for any damages you may suffer as a result of not receiving any notification provided to you in connection with this User Agreement or your use of the Services, provided that such notification is sent to such email address. Inverte may also communicate with you through other methods, including chat applications operated by Inverte or by a third party.

3.5 Termination
We may close, terminate, enable or disable any or all the Services, your User Account or your access to the Services at any time and for any reason. You can close your user account at any time and for any reason. Depending on the Services available to you in your User Account, we may ask you to take certain steps to complete a pending transaction or provide additional information before closing such User Account. You are solely responsible for any fees already incurred or associated with the closure of your User Account, either incurred directly by you from Inverte, or incurred by Inverte on your behalf with a third party to complete such action. Closing your user account may not result in the deletion of the information we hold about you or your activity.

4. THE WALLET

4.1 Description
4.1.1 The Wallet is provided exclusively by Inverte. The Wallet is only capable of supporting certain virtual currencies. Under no circumstances should you attempt to store unsupported virtual currencies in your Wallet.

4.1.2 When you create a Wallet, the Wallet software generates twelve (12) words that only you own. YOU MUST STORE, OUTSIDE THE SERVICES, A BACKUP COPY OF ALL WALLET CREDENTIALS, INCLUDING YOUR PASSWORDS, IDENTIFIERS, BACKUP PHRASES, AND NETWORK ADDRESSES. If you do not maintain a backup of your Wallet data outside of the Services, you will not be able to access the Virtual Currency previously accessed using your Wallet if we discontinue or no longer offer some or all of the Services or otherwise. we can lose access to virtual currency. We are not responsible for maintaining this data on your behalf.

4.2 Commercial wallet
The Wallet will generally be available without custody, allowing you to safeguard your Virtual Currency. Any virtual currency that you purchase using fiat currency in the Wallet will remain in the Commercial Wallet. All Virtual Currency held in your Trading Wallet will be a custodial asset of Inverte for your benefit. Among other things, this means that:

4.2.1 As the owner of the Virtual Currency in your Merchant Wallet, you must bear all risk of loss of such Virtual Currency. Inverte will not have any responsibility for fluctuations in the value of the fiat currency of the virtual currency found in your Commercial Wallet

4.2.2 You control the Virtual Currency held in your Trading Wallet. At any time, subject to interruptions, downtime, and other applicable policies, you can withdraw your Virtual Currency by sending it to a different address controlled by you or a third party.

4.3 Risk Disclosures Relating to the Wallet.
4.3.1 Inverte has no control over any Virtual Currency network and therefore cannot guarantee or warrant that the details of the transaction that you send through our Services will be confirmed on the corresponding Virtual Currency network. The details of the transaction that you submit through our Services may not be completed, or may be substantially delayed, by the Virtual Currency network used to process the transaction. We do not guarantee that Wallet will transfer title or right in any Virtual Currency or make guarantees of any kind concerning the title.

4.3.2 Once the transaction details have been submitted to a Virtual Currency network, we cannot help you cancel or otherwise modify the details of your transaction or transaction. Inverte has no control over any virtual currency network and cannot facilitate any cancellation or modification requests.

4.4 Forks
In the event of a fork or other network outage, Inverte may not be able to support activities related to your virtual currency. In the event of a fork, transactions cannot be completed, partially completed, incorrectly completed, or substantially delayed. Inverte is not responsible for any loss suffered by you caused in whole or in part, directly or indirectly, by a fork or other network interruption.

4.5 No password recovery
4.5.1 Concerning Wallet, Inverte does not receive or store your Wallet password, nor any password, network address or transaction history. We are unable to assist you with Wallet password recovery. You are solely responsible for remembering, storing and keeping your Wallet password secret. Any virtual currency that you have associated with such Wallet may be inaccessible if you do not know or keep your Wallet password secret. Any third party with knowledge of one or more of your credentials (including but not limited to a backup phrase, a Wallet identifier, or a password) may have Virtual Currency in your Wallet

4.5.2 When you create a Wallet, you must: (a) create a strong password that you do not use for any other website or online service; (b) provide accurate and truthful information; (c) protect and keep all Wallet credentials secret; (d) protect access to your device and your Wallet; (e) notify immediately if you discover or suspect any breach of security related to your Wallet; and (f) use the backup functionality provided through Wallet and protect your backup files. You agree to assume responsibility for all activities that occur with your Wallet and accept all risks of any authorized or unauthorized access to your Wallet, to the maximum extent permitted by law.

4.6 Rates
Inverte does not currently charge a fee for the Wallet that receives, sends or controls the virtual currency. However, we reserve the right to do so in the future, and in such case, we will show you the applicable fees before the fee is incurred. Network fees (including but not limited to "miner fees") required to use a virtual currency network may apply to a transaction. We can try to calculate this fee for you. Our calculation may not be enough, or it may be excessive. Network rates are automatic. Inverte will not advance or finance said fee on your behalf, nor will it be responsible for any excessive or insufficient fee calculation.

5. SWAP

5.1 Description
We can provide you with Swap using the Wallet interface. The exchange is provided exclusively by Inverte. Through Swap, Inverte will show you a conversion rate that may include a fee, which you agree to pay. Swap works in connection with the Wallet, through which we will send you the requested Virtual Currency, less applicable fees, when executing a transaction from a Virtual Currency address that we control to one associated with your Wallet. To use Swap, you agree to pay the associated fees, which can be modified or supplemented at any time.

5.2 No cancellation
You cannot cancel, reverse or change any Swap transaction. We can suspend, delay, redirect, reverse or cancel any Swap transaction at any time and for any reason. For example, and without limitation, we may do so if we suspect any risk of fraud, crime, breach of this User Agreement, or illegal activity.

5.3 Limitation of transactions
We can implement exchange transaction limits. These may vary based on a variety of factors including, but not limited to, the time of your transaction, your location, the Virtual Currency purchased, and the Virtual Currency sold. We implement, increase and decrease the limits of Swap transactions at our sole discretion.

6. EXCHANGES

6.1 Description
We may offer you the ability to buy and sell any Virtual Currency for any fiat currency through Inverte subject to the terms of this Agreement. Use of Inverte requires a user account, which may require you to complete certain actions by our Compliance Program. Your use of Inverte is subject to the terms of the Trading Principles as periodically amended. In the event of any inconsistency between this Agreement and the Business Principles, this Agreement will apply concerning matters related to this Section.

6.2 Service availability
Invest may not be available in all markets and jurisdictions. We may restrict or prohibit the use of Inverte in certain jurisdictions (restricted locations) and change such restrictions or prohibitions at any time.

6.3 General obligations
6.3.1 Number of user accounts
We may, in our sole discretion, limit the number of User Accounts that you may create or maintain. We may cancel or suspend any User Account that exceeds such limit, and liquidate, freeze or refund positions and funds associated with such User Account.

6.3.2 Access to the user account
In the normal course of business, we require login credentials to access your user account. We may impose additional security measures that will be used when you access Inverte, including but not limited to two-factor authentication ("2FA"). This 2FA may include security passwords sent via mobile text messages or email or an application designed to provide 2FA by other means. If you are asked to install such a 2FA application, you are solely responsible for ensuring the security of any password or login credentials. We may provide data through said 2FA application to authenticate your use of Inverte. We are not responsible for any damage caused by a 2FA device, software or method.

6.4 Deposits and withdrawals to your user account
6.4.1 Financing your user account
To complete a transaction in virtual currency, you will need enough funds in your user account, either in the form of virtual currency or fiat currency, depending on the type of order you select. Invest may always not support all financing methods. You are solely responsible for the use of any third-party account, provider or service used to transfer funds to your user account. The time associated with any deposit will vary and may depend in part on the performance of third parties unrelated to Inverte. We will not be responsible for damages resulting from failed or delayed financing.

6.4.1.1 Treatment of trust funds
We will keep the fiat currency deposited by you in your User Account for your benefit and on your behalf in a third bank account. Each of these accounts is independent of Inverte's operating bank accounts.

6.4.1.2 Virtual currency treatment
Any virtual currency held in your Inverte user account will be a custodial asset of Inverte for your benefit. Among other things, this means that: As the owner of the Virtual Currency in such User Account, you will run the entire risk of loss of such Virtual Currency. Inverte will not have any responsibility for fluctuations in the value of the fiat currency of the virtual currency held in said user account. You control the Virtual Currency held in said User Account. At any time, subject to interruptions, downtime, and other applicable policies, you can withdraw your Virtual Currency by sending it to a different address controlled by you or a third party. We will not loan, mortgage, compromise, or otherwise encumber the Virtual Currency deposited by you for use at Inverte. We may store any Virtual Currency you deposit for use at Inverte in an "Active Wallet," "Cold Wallet," or other storage method in our sole discretion.

6.4.2 Withdraw funds from your user account
You can request a withdrawal of Virtual Currency or Fiat currency, as applicable. You are solely responsible for losses that result in whole or in part from any external account, provider or service. We cannot guarantee the timing of any withdrawal request. Requests may be delayed or canceled as part of our Compliance Program.

6.4.3 Payment service providers
We may, at our discretion, use a third-party payment service provider to process deposit and withdrawal requests in fiat currencies. When making a deposit or withdrawal request for fiat currency, you may be redirected from the Inverte.do or Inverte site to a third-party website. In such event, you are solely responsible for any action taken on said website and we will not be liable for any losses resulting in whole or in part from said website or provider.

6.4.4 Deposit and withdrawal limits
We may, in our sole discretion, impose daily, weekly, monthly, or other periodic limits on deposits and withdrawals, which we may implement, remove, increase, or decrease without notice.

7. GENERAL RISK FACTORS

Your use of the Services requires you to take risks for which we cannot be responsible. Here are some, but not all, of these risks:

The hardware, software, or connections necessary to interact with a virtual currency network can fail, succumb to malware, unauthorized access, or malicious attacks. Third parties may gain unauthorized access to the Included Services. Inverte will not be responsible for communication failures, interruptions, errors, distortions or delays that you may experience when using the Services, regardless of the cause.

Forks, unknown vulnerabilities, or unforeseen changes in network protocol can cause losses to you or others. Inverte has no control over any cryptocurrency network and will not be liable for any damages that occur as a result of the inability to reverse a transaction, and for any loss in connection with it due to wrongful or fraudulent actions.

The risk of loss of value in the use of services involving virtual currencies can be considerable and losses can occur in a short period. Also, price and liquidity are subject to significant fluctuations that can be unpredictable.

Virtual currencies are not legal tender and are not backed by any sovereign government. Additionally, the legislative and regulatory landscape around virtual currencies are constantly changing and can affect your ability to use, transfer or exchange virtual currencies.

Virtual currency transactions may not be reversible. Once you send Virtual Currency to an address, you may lose access to your Virtual Currency temporarily or indefinitely. For example, an address may have been entered incorrectly, or an address may belong to an entity that will not return your Virtual Currency. Virtual currency sent by mistake to an address that we control may not be recoverable.

8. GENERAL PROVISIONS

8.1 Intellectual property
8.1.1 Unless we indicate otherwise, all intellectual property rights and any content provided in connection with the Inverte Site or Services are owned by Inverte or our licensors or suppliers and are protected by applicable intellectual property laws. We do not grant any implicit license to use the contents of the Inverte Site or the Services.

8.1.2 You may not sell or modify materials derived or created from the Inverte Site or the Services or reproduce, display, publicly perform, distribute or use the materials in any way for any public or commercial purpose. The use of such materials on any other website or a file-sharing service or the like for any purpose is strictly prohibited. You may not copy any material or content derived or created from the Inverte Site or the Services without our express written permission.

8.1.3 Any rights not expressly granted herein to use the materials contained in or through the Inverte Site or the Services are reserved by Inverte in its entirety.

8.2 Accuracy of information.
8.2.1 We endeavor to verify the accuracy of any information displayed, supplied, transmitted or originated on the Services, but such information may not always be accurate or current. Accordingly, you must independently verify all information before relying on it, and any decision or action taken based on such information is your sole responsibility.

8.2.2 We do not make any representation or warranty of any kind, express or implied, legal or otherwise, regarding the content of the Services, the information and functions accessible through the Services, hyperlinks to third party websites or the security associated with the transmission of information through the Services, or any website linked to the Services.

8.3 Third-party content and services
8.3.1 By using the Services, you may view content or services provided by third parties, including links to websites and services of such third parties (Third Party Content). We do not control, endorse or adopt any Third-Party Content and we have no responsibility for Third Party Content, including but not limited to material that may be misleading, incomplete, misleading, offensive, indecent or objectionable in your jurisdiction. Furthermore, your dealings or correspondence with such third parties are solely between you and the third party.

8.3.2 We are not responsible for any loss or damage of any kind incurred as a result of such dealings and your use of Third-Party Content is at your own risk.

8.4 Cooperation with law enforcement agencies
Inverte may, from time to time, respond to requests from third parties, courts, law enforcement agencies, regulators and policy makers by producing certain information about your use of the Services.

8.5 Record keeping
Depending on the Services used by you, Inverte reserves the right, at our sole discretion, to create and maintain certain records of your activity and communications related to your User Account.

9. COMMENTS AND COMPLAINTS

9.1 Comments
9.1.1 Inverte strives to improve its Services to address feedback. If you have ideas or suggestions for improvements or additions to the Services, we would like to hear from you; however, any submission will be subject to this User Agreement.

9.1.2 In no case will the disclosure of any idea or comment, or any material related to Inverte be subject to any obligation of confidentiality or expectation of compensation.

9.1.3 By submitting an idea or comment or any related material that would be subject to intellectual property rights (the Work) to Inverte, you grant Inverte, concerning the submitted Work, a non-exclusive and perpetual, global license, royalty free to use all content of such ideas and comments, for any purpose.

9.1.4 By submitting the Work, you waive moral rights to the maximum extent permitted by law that you may have in the Work and represent and warrant to Inverte that the Work originated with you, no one else has any rights to the Work, and that Inverte is royalty free to implement the Work and use related material if it so desires, as provided or modified by Inverte, without obtaining permission or license from any third party

9.1.5 Inverte may sublicense in any way all work and material that you have submitted to Inverte.

9.2 Technical support
We will use commercially reasonable efforts to provide email-based technical support services, but we cannot guarantee immediate responses, especially in times of high volume.

10. REPRESENTATIONS, WARRANTIES, INDEMNIFICATION AND LIMITATIONS OF LIABILITY

10.1 Acceptable use of Inverte services
By accessing or using the Services, you agree that you are solely responsible for your conduct when accessing and using our Services. Without limiting the generality of the foregoing, you agree that you shall not:

10.2 Disclaimer of warranties
INVERTE DISCLAIMS ANY AND ALL PROMISES, REPRESENTATIONS, AND WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE. / OR ENJOY PEACE OF MIND, AND ANY SERVICE PROVIDED BY INVERTE IS PROVIDED "AS IS" AND "AS AVAILABLE". EXCEPT AS EXPRESSLY STATED HEREIN, YOU ACKNOWLEDGE THAT INVEST MAKES NO WARRANTIES UNDER THIS AGREEMENT DIRECTLY FOR THE BENEFIT OF ANY END USER, AND THAT THE OBLIGATIONS TO INVEST UNDER THIS AGREEMENT ARE FOR YOUR SOLE BENEFIT, AND NOT ONLY FOR YOUR BENEFIT. ANY OTHER PERSON. BY ACCEPTING THIS AGREEMENT, YOU REPRESENT THAT YOU HAVE NOT CONFIRMED ANY REPRESENTATIONS OR WARRANTIES OF INVEST. OR ITS AFFILIATES, EXCEPT AS EXPRESSLY OUTLINED IN THIS AGREEMENT. WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT ACCESS TO THE SERVICES WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY OR ERROR-FREE.

WE WILL NOT BE LIABLE FOR ANY DAMAGES CAUSED IN WHOLE OR IN PART BY (A) THE MALFUNCTION, UNEXPECTED FUNCTION OR UNEXPECTED FUNCTION OF ANY COMPUTER NETWORK OR CRYPTOCURRENCY, INCLUDING WITHOUT LIMITATION LOSSES ASSOCIATED WITH THE FORTAKS OF THE NETWORK, GOVERNANCE DISPUTES, DIFFICULTY FOR MINING, CHANGES IN CRYPTOGRAPHY OR CONSENSUS RULES, HACKING OR BREACHES OF CYBER SECURITY; (B) THE CHANGE IN VALUE OF ANY CRYPTOCURRENCY; (C) ANY CHANGE OF LAW, REGULATION OR POLICY, OR (D) FORCE MAJEURE. THIS LIMITATION OF LIABILITY IS INTENDED TO APPLY WITHOUT REGARD TO WHETHER OTHER PROVISIONS OF THIS AGREEMENT HAVE BEEN VIOLATED OR INEFFECTIVE.

10.3 Indemnification
You agree to indemnify and hold Inverte, its affiliates, subsidiaries, directors, managers, members, officers and employees harmless from any claim, lawsuit, action, damages, losses, costs or expenses, including, but not limited to, reasonable legal fees, which arise from or are related to the use that you or any other person makes of your credentials or user account concerning: (a) the use of the Inverte site or services; (b) breach of this User Agreement or any other policy; (c) comments or presentations you provide; (d) false, incomplete or misleading information that we rely on to verify your identity and source of funds, where applicable; or (e) violation of any right of any other person or entity; However, provided that you do not indemnify Inverte for claims or losses arising from Inverte. gross negligence or willful misconduct of this indemnity will apply to its successors and assigns and will survive any termination or cancellation of this User Agreement.

10.4 Every one of our indemnities, warranties and limitations of liability (whether express or implied) are excluded to the maximum extent permitted by law, except as established in this document. Nothing in this User Agreement excludes or limits liability that cannot be limited or excluded under applicable law.

11. VARIOUS

11.1 Force majeure
11.1.2 If for any reason, in whole or in part, a Force Majeure Event, you or Inverte are delayed or unable to comply with this User Agreement, such delay or failure will not be considered a default by you or Inverte will claim this User Agreement and no loss or damage from it. "Force majeure event" refers to any event beyond the reasonable control of the party, including, but not limited to, floods, extraordinary weather conditions, earthquakes or other act of God, fire, war, insurrection, riots, labor disputes, accidents , government actions, communications, power failure, failure of bank performance, or equipment or software malfunction, including network splits or "forks"

11.2 Taxes
It is your responsibility to determine what taxes, if any, apply due to your use of the Inverte Services, and it is your responsibility to report and remit the correct tax to the appropriate tax authority. Inverte is not responsible for determining whether taxes apply to your virtual currency transactions or for collecting, reporting, withholding or remitting taxes arising from any virtual currency transactions.

11.3 Severability, reform
If any provision of this User Agreement is not enforceable under applicable law, the validity or enforceability of the remaining provisions will not be affected. To the extent that any provision of this User Agreement is judicially determined to be unenforceable, a court of competent jurisdiction may amend such provision to make it enforceable. The provisions of this User Agreement, whenever possible, will be construed to maintain its legality and enforceability.

11.4 Assignment
This User Agreement will be binding on your successors, heirs, personal representatives and assignees. You may not assign or transfer any of your rights or obligations under this User Agreement without the prior written consent of Inverte, which may be withheld at Inverte's sole discretion. We may assign rights or delegate duties under this User Agreement in our sole discretion.

11.5 Relationship of the parties
Nothing in this User Agreement is intended, nor will it create any partnership, joint venture, agency, consultancy, or trust. You and Inverte are independent contractors for this User Agreement.

11.6 Entire Agreement
This User Agreement constitutes the entire agreement between the Parties concerning the subject matter described herein and will supersede all prior agreements and understandings, written or oral, between the Parties. Subsequent discussions or negotiations between you and Inverte or Inverte staff will only modify or become part of this User Agreement by a written amendment specifically referring to the last updated date and name of this User Agreement.

12. DISPUTE RESOLUTION FOR USERS IN THE UNITED STATES

12.1 Disputes
If you live in the Dominican Republic (or, if you are a company, your main business headquarters are in the Dominican Republic), any dispute that arises between you and us under this User Agreement or our relationship (whether by contract, tort, statute or any other way) will be resolved in a binding arbitration, per the Arbitration Law; however, nothing in this Agreement will waive, impede or limit your right to (I) file an individual action in a small claims court in the Dominican Republic or (II) file a representative action solely to obtain a court order.

12.2 Arbitration
12.2.1 The arbitration will be conducted by a single neutral arbitrator and will take place in the province or city of our preference. The arbitrator will apply the law of the Dominican Republic, regardless of its principles of conflict of laws. The arbitrator may award any relief that a court of competent jurisdiction could award, including attorney's fees when authorized by law, and the arbitration decision may be enforced in any court. You agree that the arbitrator will have the authority to order a repair, and you agree to comply with all decisions and awards made in said procedure, which will be final and conclusive. At your command, the hearings must be conducted in person and the arbitrator can provide for the presentation and determination of motions in the abstracts, without oral hearings.

If filing fees or other administrative costs are imposed on you by the arbitrator (s) or administrator, we will reimburse you, upon request, to the extent such fees or costs exceed those you would otherwise have to pay if proceeding instead. in a cut. If a court decides that any provision of this section on Arbitration is invalid or unenforceable, that provision will be severed and resolved in accordance exclusively with the law and the other parts of this section on Arbitration will continue to apply. In no case will the rest of this User Agreement be affected.

12.3 No trial by jury
By entering into this User Agreement, you expressly waive your right to a jury trial and to participate in a class action lawsuit.