U.CASH Privacy Policy

Last modified: July 08, 2024

These Terms of Service (the "Agreement") explain the terms and conditions by which you may access and use the Products provided by U.CASH (referred to herein as "U.CASH", "we", "our", or "us"). The Products shall include, but shall not necessarily be limited to, (a) https://u.cash, a website-hosted user interface (the "Interface" or "App"), (b) our mobile wallet application (the "UCOWallet"), (c) the applications, services and sites that make up the Ucosystem (the "Ucosystem"), and (d) any other products and services that link to this Agreement (together with the Interface, App, UCOWallet, Ucosystem and the “Products”). You must read this Agreement carefully as it governs your use of the Products. By accessing or using any of the Products, you signify that you have read, understand, and agree to be bound by this Agreement in its entirety. If you do not agree, you are not authorized to access or use any of our Products and should not use our Products.


To access or use any of our Products, you must be able to form a legally binding contract with us. Accordingly, you represent that you are at least the age of majority in your jurisdiction (e.g., 18 years old in Canada) and have the full right, power, and authority to enter into and comply with the terms and conditions of this Agreement on behalf of yourself and any company or legal entity for which you may access or use the Interface. If you are entering into this Agreement on behalf of an entity, you represent to us that you have the legal authority to bind such entity.

You further represent that you are not (a) the subject of economic or trade sanctions administered or enforced by any governmental authority or otherwise designated on any list of prohibited or restricted parties (including but not limited to the list maintained by the Office of Foreign Assets Control of the U.S. Department of the Treasury) or (b) a citizen, resident, or organized in a jurisdiction or territory that is the subject of comprehensive country-wide, territory-wide, or regional economic sanctions by Canada. Finally, you represent that your access and use of any of our Products will fully comply with all applicable laws and regulations, and that you will not access or use any of our Products to conduct, promote, or otherwise facilitate any illegal activity.

NOTICE: This Agreement contains important information, including a binding arbitration provision and a class action waiver, both of which impact your rights as to how disputes are resolved. Our Products are only available to you — and you should only access any of our Products — if you agree completely with these terms.

Our Products

1.1 The Interface

The Interface provides a web or mobile-based means of access to (a) a decentralized protocol on various public blockchains, including but not limited to UCHAIN, that allows users to trade certain compatible digital assets (the "UCHAIN protocol" or the "Protocol").

The Interface is distinct from the Protocol and is one, but not the exclusive, means of accessing the Protocol. The Protocol itself comprises open-source or source-available self-executing smart contracts that are deployed on various public blockchains, such as UCHAIN. U.CASH does not control or operate any version of the Protocol on any blockchain network. By using the Interface, you understand that you are not buying or selling digital assets from us and that we do not operate any liquidity pools on the Protocol or control trade execution on the Protocol. When traders pay fees for trades, those fees accrue to liquidity providers for the Protocol. As a general matter, U.CASH is not a liquidity provider into Protocol liquidity pools and liquidity providers are independent third parties. The Protocol was initially deployed on the Ethereum blockchain and has since been deployed on several other blockchain networks including by parties other than U.CASH. Deployments on other networks typically make use of cross-chain bridges, which allow assets native to one blockchain to be transferred to another blockchain. Please note that digital assets that have been "bridged" or "wrapped" to operate on other blockchain networks (including to blockchains compatible with the Ethereum Virtual Machine that are designed to ensure the Ethereum blockchain can effectively process more transactions or other blockchains that are frequently referred to as "Layer 2" solutions) are distinct from the original Ethereum mainnet asset.

To access the Interface, you must use a non-custodial wallet software, which allows you to interact with public blockchains. Your relationship with that non-custodial wallet provider is governed by the applicable terms of service (with respect to the UCOWallet, this Agreement, and with respect to a third party wallet, the applicable terms of service of such third party). We do not have custody or control over the contents of your wallet and have no ability to retrieve or transfer its contents. By connecting your wallet to our Interface, you agree to be bound by this Agreement and all of the terms incorporated herein by reference.

1.2 The Digital Asset Marketplace Aggregator

The Digital Asset Marketplace Aggregator is a series of smart contracts that allows you to discover, buy, and sell Digital Assets simultaneously across multiple third-party marketplaces (each a "Third-Party Marketplace").

The Digital Asset Marketplace Aggregator enables transactions involving Digital Assets that are listed on Third-Party Marketplaces. The listing information and pricing for Digital Assets is determined by the corresponding Third-Party Marketplace on which the Digital Asset is listed. U.CASH does not determine what to list or set pricing for Digital Assets on those Third-Party Marketplaces.

The Digital Asset Marketplace Aggregator may include functionality designed to enable the purchase of all or substantially all of the Digital Assets in a particular collection (a "Sweep"). By executing a Sweep, we will promptly execute a batched smart contract-based transaction on your behalf to purchase the Digital Assets that are part of the Sweep. In the event one or more Digital Assets are not available at the time we execute the purchase transaction with the corresponding Third-Party Marketplace, we will refund to your wallet the pro-rata portion of the purchase price for any Digital Assets that were unavailable, less any Gas Fees. You agree and acknowledge that U.CASH does not guarantee that a Sweep will be successful in acquiring all of the Digital Assets in a particular collection or that you will achieve any particular financial result or outcome or otherwise obtain any particular economic benefit by executing a Sweep.

Digital Assets available for purchase through the Digital Asset Marketplace Aggregator may contain smart-contract terms that specify certain royalties which are payable to the original creator or another individual in connection with a subsequent sale of the Digital Asset (a "Transaction Royalty"). The Digital Asset Marketplace Aggregator does not impose any additional Transaction Royalties on Digital Asset transactions. However, the Digital Asset Marketplace Aggregator will pass-through any Transaction Royalties to the extent imposed by the underlying Third-Party Marketplace on which the digital asset is originally listed for sale.

1.3 The UCOWallet

The UCOWallet allows you to (a) store digital assets; (b) link to third party decentralized exchanges ("DEXs") and third party decentralized applications; (c) view addresses and information that are part of digital asset networks and broadcast transactions; (d) participate in DEX trades and associated DEX activity; and (e) perform any additional services that we may add to the UCOWallet from time to time.

1.4 uMerchants

uMerchants is a B2B services site catering to businesses and retail users within the Ucosystem. It provides a platform for merchants to connect, transact, and grow their businesses using the UCASH network token, offering various tools and services designed to enhance business operations and customer interactions.

1.5 Unregistrar

Unregistrar is a domains, hosting, and gTLD infrastructure provider within the Ucosystem. It allows users to register and manage domain names, access hosting services, and utilize global top-level domains, all powered by the UCASH network token for enhanced functionality and benefits.


UCHAIN is a blockchain specializing in business interactions and user-friendly experiences within the Ucosystem. It supports the seamless integration of various services and applications, enabling secure and efficient business transactions and user interactions using the UCASH network token.

1.7 Unverification

Unverification is a service within the Ucosystem that allows users to verify their UCASH wallet and gain access to premium features across the platform. It ensures that users have a verified status, which unlocks additional functionalities and benefits within the Ucosystem.

1.8 Subdomains

The UCOWallet allows you to claim a subdomain that will become your username associated with your wallet address. Your username and profile information, including your bio, profile picture, linked social media accounts and transaction history will be public and accessible by anyone. You may claim a limited number of usernames per device. You may not select a username that misappropriates or infringes the intellectual property rights of others, and you may not impersonate another person or entity. Purchasing, selling or renting a username or profile is strictly prohibited. Username squatting is also prohibited and may result in reassignment of a username. You also understand and agree that if you change your username, your old username may no longer be available. We reserve the right to revoke access to your username at our discretion without notice. Access to your username may be revoked if you violate these terms, violate the law, or engage in behavior that harms our service. The subdomains should encourage connection and happiness, so offensive names may also be revoked. We may also revoke your username to comply with a legal requirement or court order.

1.9 Access through Third Party Partners

We may make certain Products, including access to our APIs, liquidity services, and data, accessible or usable through interfaces, products or services provided by certain third party partners, such as exchanges and trading platforms (each a “Third Party Partners”). You agree that your use of the Products through an interface, product or service provided by one of our Third Party Partners is nonetheless still subject to the terms and conditions of this Agreement.

1.10 Other Products

We may from time to time in the future offer additional products, and such additional products shall be considered a Product as used herein, regardless of whether such product is specifically defined in this Agreement.

1.11 Third Party Services and Content

Our Products may include provide integrations, links or other access to third party services, sites, technology, content and resources (each a “Third-Party Service”). Your access and use of the Third-Party Services may also be subject to additional terms and conditions, privacy policies, or other agreements with such third party, and you may be required to authenticate to or create separate accounts to use Third-Party Services on the websites or via the technology platforms of their respective providers. You, and not U.CASH, will be responsible for any and all costs and charges associated with your use of any Third-Party Services. U.CASH enables these Third-Party Services merely as a convenience and the integration or inclusion of such Third-Party Services does not imply an endorsement or recommendation. Any dealings you have with third parties while using our Products are between you and the third party. U.CASH will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any Third-Party Services.

Some Third-Party Services will provide us with access to certain information that you have provided to third parties, including through such Third-Party Services, and we will use, store and disclose such information in accordance with our Privacy Policy. For more information about the implications of activating Third-Party Services and our use, storage and disclosure of information related to you and your use of such Third-Party Services within our Products, please see our Privacy Policy. U.CASH has no control over and is not responsible for such Third-Party Services, including for the accuracy, availability, reliability, or completeness of information shared by or available through Third-Party Services, or on the privacy practices of Third-Party Services. We encourage you to review the privacy policies of the third parties providing Third-Party Services prior to using such services.

2. Modifications of this Agreement or our Products

2.1 Modifications of this Agreement

We reserve the right, in our sole discretion, to modify this Agreement from time to time. If we make any material modifications, we will notify you by updating the date at the top of the Agreement and by maintaining a current version of the Agreement at https://u.cash/terms. All modifications will be effective when they are posted, and your continued accessing or use of any of the Products will serve as confirmation of your acceptance of those modifications. If you do not agree with any modifications to this Agreement, you must immediately stop accessing and using all of our Products.

2.2 Modifications of our Products

We reserve the following rights, which do not constitute obligations of ours: (a) with or without notice to you, to modify, substitute, eliminate or add to any of the Products; (b) to review, modify, filter, disable, delete and remove any and all content and information from any of the Products.

3. Intellectual Property Rights

3.1 IP Rights Generally

We own all intellectual property and other rights in each of our Products and its respective contents, including, but not limited to, software, text, images, trademarks, service marks, copyrights, patents, designs, and its "look and feel." This intellectual property is available under the terms of our copyright licenses and our Trademark Guidelines. Subject to the terms of this Agreement, we grant you a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to access and use our Products solely in accordance with this Agreement. You agree that you will not use, modify, distribute, tamper with, reverse engineer, disassemble or decompile any of our Products for any purpose other than as expressly permitted pursuant to this Agreement. Except as set forth in this Agreement, we grant you no rights to any of our Products, including any intellectual property rights.

You understand and acknowledge that the Protocol is not a Product and we do not control the Protocol.

By using any of our Products (including to list, post, promote, or display Digital Assets), you grant us a worldwide, non-exclusive, sublicensable, royalty-free license to use, copy, modify, and display any content, including but not limited to text, materials, images, files, communications, comments, feedback, suggestions, ideas, concepts, questions, data, or otherwise, that you post on or through any of our Products for our current and future business purposes, including to provide, promote, and improve the services. This includes any digital file, art, or other material linked to or associated with any Digital Assets that are displayed. You grant to us a non-exclusive, transferable, worldwide, perpetual, irrevocable, fully-paid, royalty-free license, with the right to sublicense, under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon any suggestions or feedback for any purpose.

You represent and warrant that you have, or have obtained, all rights, licenses, consents, permissions, power and/or authority necessary to grant the rights granted herein for any material that you list, post, promote, or display on or through any of our Products (including, but not limited to, Digital Assets). You represent and warrant that such content does not contain material subject to copyright, trademark, publicity rights, or other intellectual property rights, unless you have necessary permission or are otherwise legally entitled to post the material and to grant us the license described above, and that the content does not violate any laws.

3.2 DMCA Complaints

The Digital Asset Marketplace Aggregator merely aggregates the results from Third-Party Marketplaces. These Third-Party Marketplaces are operated independently from us by unrelated third parties, and we have no control over any content, information or other materials contained within such Third-Party Marketplaces. If you believe that your copyrighted work is being displayed on a Third-Party Marketplace, has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, you should notify that Third-Party Marketplace of your infringement claim in accordance with their defined reporting procedures.

Nevertheless, despite our position as an aggregator, U.CASH will process and investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act ("DMCA") and other applicable intellectual property laws with respect to any alleged or actual infringement on the Digital Asset Marketplace Aggregator. A notification of claimed copyright infringement should be submitted to the U.CASH Help Center. Please complete the form. You may also contact our Copyright Agent by mail at:

[email protected]

We encourage you to use the above form to ensure the requisite information is included in your notice. If you choose to write to us by physical mail instead, your notice must include:

If you believe that your content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to upload and use the removed content, you may submit a written counter-notice to us or our Copyright Agent.

3.3 Third-Party Resources and Promotions

Our Products may contain references or links to third-party resources, including, but not limited to, information, materials, products, or services, that we do not own or control. In addition, third parties may offer promotions related to your access and use of our Products. We do not approve, monitor, endorse, warrant or assume any responsibility for any such resources or promotions. If you access any such resources or participate in any such promotions, you do so at your own risk, and you understand that this Agreement does not apply to your dealings or relationships with any third parties. You expressly relieve us of any and all liability arising from your use of any such resources or participation in any such promotions.

3.4 Additional Rights

We reserve the right to cooperate with any law enforcement, court or government investigation or order or third party requesting or directing that we disclose information or content or information that you provide.

4. Your Responsibilities

4.1 Prohibited Activity

You agree not to engage in, or attempt to engage in, any of the following categories of prohibited activity in relation to your access and use of the Interface:

4.2 Trading

You agree and understand that: (a) all trades you submit through any of our Products are considered unsolicited, which means that they are solely initiated by you; (b) you have not received any investment advice from us in connection with any trades, including those you place via our Auto Routing API; and (c) we do not conduct a suitability review of any trades you submit.

4.3 Non-Custodial and No Fiduciary Duties

Each of the Products is a purely non-custodial application, meaning we do not ever have custody, possession, or control of your digital assets at any time. It further means you are solely responsible for the custody of the cryptographic private keys to the digital asset wallets you hold and you should never share your wallet credentials or seed phrase with anyone. We accept no responsibility for, or liability to you, in connection with your use of a wallet and make no representations or warranties regarding how any of our Products will operate with any specific wallet. Likewise, you are solely responsible for any associated wallet and we are not liable for any acts or omissions by you in connection with or as a result of your wallet being compromised. For the avoidance of doubt, any references herein to a "wallet" shall include the UCOWallet.

This Agreement is not intended to, and does 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 this Agreement.

You bear full responsibility for verifying the identity, legitimacy, and authenticity of Digital Assets that you purchase from third-party sellers using the Digital Asset Marketplace Aggregator and we make no claims about the identity, legitimacy, functionality, or authenticity of users or Digital Assets (and any content associated with such Digital Assets) visible on any of our Products.

4.4 Compliance and Tax Obligations

One or more of our Products may not be available or appropriate for use in your jurisdiction. By accessing or using any of our Products, you agree that you are solely and entirely responsible for compliance with all laws and regulations that may apply to you.

Specifically, your use of our Products or the Protocol may result in various tax consequences, such as income or capital gains tax, value-added tax, goods and services tax, or sales tax in certain jurisdictions.

It is your responsibility to determine whether taxes apply to any transactions you initiate or receive and, if so, to report and/or remit the correct tax to the appropriate tax authority.

4.5 Digital Asset Terms

Digital Assets may be subject to terms imposed by their creators with respect to the use of the Digital Asset content and benefits associated with a given Digital Asset. For example, when you click to get more details about any of the Digital Assets visible on the Interface, you may notice a third party link to the creator's website. Such websites may include additional terms governing the use of the Digital Asset that owners of the Digital Asset will be required to comply with. We are not a party to any such intrinsic Digital Asset terms, which are between creators, sellers, and buyers. The buyer and seller are entirely responsible for communicating, promulgating, agreeing to, and enforcing those terms, and you are solely responsible for reviewing such terms.

4.6 Gas Fees

Blockchain transactions require the payment of transaction fees to the appropriate network ("Gas Fees"). Except as otherwise expressly set forth in the terms of another offer by U.CASH, you will be solely responsible to pay the Gas Fees for any transaction that you initiate via any of our Products.

4.7 Release of Claims

You expressly agree that you assume all risks in connection with your access and use of any of our Products. You further expressly waive and release us from any and all liability, claims, causes of action, or damages arising from or in any way relating to your use of any of our Products. If you are a California resident, you waive the benefits and protections of California Civil Code § 1542, which provides: "[a] general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."

5. Disclaimers

5.1 Assumption of Risk -- Generally

By accessing and using any of our products, you represent that you are financially and technically sophisticated enough to understand the inherent risks associated with using cryptographic and blockchain-based systems, and that you have a working knowledge of the usage and intricacies of digital assets such as ether (ETH), so-called stablecoins, and other digital tokens such as those following the UCHAIN and Ethereum token standard (URC-20/ERC-20).

In particular, you understand that the markets for these digital assets are nascent and highly volatile due to risk factors including, but not limited to, adoption, speculation, technology, security, and regulation. You understand that anyone can create a token, including fake versions of existing tokens and tokens that falsely claim to represent projects, and acknowledge and accept the risk that you may mistakenly trade those or other tokens. So-called stablecoins may not be as stable as they purport to be, may not be fully or adequately collateralized, and may be subject to panics and runs.

Further, you understand that smart contract transactions automatically execute and settle, and that blockchain-based transactions are irreversible when confirmed. You acknowledge and accept that the cost and speed of transacting with cryptographic and blockchain-based systems such as UCHAIN and Ethereum are variable and may increase dramatically at any time. You further acknowledge and accept the risk of selecting to trade in expert modes, which can expose you to potentially significant price slippage and higher costs.

If you act as a liquidity provider to the protocol through the interface, you understand that your digital assets may lose some or all of their value while they are supplied to the protocol through the interface due to the fluctuation of prices of tokens in a trading pair or liquidity pool.

Finally, you understand that we do not create, own, or operate cross-chain bridges and we do not make any representation or warranty about the safety or soundness of any cross-chain bridge, including its use for U.CASH governance.

In summary, you acknowledge that we are not responsible for any of these variables or risks, do not own or control the protocol, and cannot be held liable for any resulting losses that you experience while accessing or using any of our products. Accordingly, you understand and agree to assume full responsibility for all of the risks of accessing and using the interface to interact with the protocol.

5.2 Assumption of Risk -- Digital Assets

By accessing and using the Digital Asset marketplace aggregator, you recognize there are certain inherent risks associated with transactions involving Digital Assets. You agree and acknowledge:

Digital Assets exist only by virtue of the ownership record maintained in the associated blockchain (e.g., UCHAIN and Ethereum). Any transfers or sales occur on the associated blockchain, and we cannot effect or otherwise control the transfer of title or right in any Digital Assets or underlying or associated content, items, or rights.

The value of Digital Assets is subjective. Prices of Digital Assets are subject to volatility and fluctuations in the price of cryptocurrency can also materially and adversely affect Digital Asset prices.

There are risks associated with purchasing items associated with content created by third parties through peer-to-peer transactions, including but not limited to, the risk of purchasing counterfeit items, mislabeled items, items that are vulnerable to metadata decay, items on smart contracts with bugs, and items that may become untransferable. You represent and warrant that you have done sufficient research before making any decisions to sell, obtain, transfer, or otherwise interact with any Digital Assets.

We may flag certain items as suspicious when third-party marketplaces do so. We do not develop these flags ourselves and we attempt to propagate those flags as soon as possible. We do not make any representations or warranties about the accuracy of those flags. We may similarly hide Digital Assets or collections, making them inaccessible on the Digital Asset marketplace aggregator. Under no circumstances shall the inability to view items or an inability to use the interface in conjunction with the purchase, sale, or transfer of items available on any blockchains serve as grounds for a claim against us.

5.3 No Warranties

Each of our products are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim any representations and warranties of any kind, whether express, implied, or statutory, including, but not limited to, the warranties of merchantability and fitness for a particular purpose. You acknowledge and agree that your use of each of our products is at your own risk. We do not represent or warrant that access to any of our products will be continuous, uninterrupted, timely, or secure; that the information contained in any of our products will be accurate, reliable, complete, or current; or that any of our products will be free from errors, defects, viruses, or other harmful elements. No advice, information, or statement that we make should be treated as creating any warranty concerning any of our products. We do not endorse, guarantee, or assume responsibility for any advertisements, offers, or statements made by third parties concerning any of our products.

Similarly, the protocol is provided "as is", at your own risk, and without warranties of any kind. Although we contributed to the initial code for the protocol, we do not provide, own, or control the protocol, which is run autonomously without any headcount by smart contracts deployed on various blockchains. Upgrades and modifications to the protocol are generally managed in a community-driven way by holders of the UNI governance token. No developer or entity involved in creating the protocol will be liable for any claims or damages whatsoever associated with your use, inability to use, or your interaction with other users of, the protocol, including any direct, indirect, incidental, special, exemplary, punitive or consequential damages, or loss of profits, cryptocurrencies, tokens, or anything else of value. We do not endorse, guarantee, or assume responsibility for any advertisements, offers, or statements made by third parties concerning any of our products.

We also cannot guarantee that any Digital Assets visible through the use of our products will always remain visible and/or available to be bought, sold, or transferred.

Any payments or financial transactions that you engage in will be processed via automated smart contracts. Once executed, we have no control over these payments or transactions, nor do we have the ability to reverse any payments or transactions.

5.4 No Investment Advice

We may provide information about tokens in our products sourced from third-party data partners through features such as rarity scores, token explorer or token lists (which includes the Uniswap Labs default token list and Uniswap Labs expanded list hosted at tokenlists.org). We may also provide warning labels for certain tokens. The provision of informational materials does not make trades in those tokens solicited; we are not attempting to induce you to make any purchase as a result of information provided. All such information provided by any of our products is for informational purposes only and should not be construed as investment advice or a recommendation that a particular token is a safe or sound investment. You should not take, or refrain from taking, any action based on any information contained in any of our products. By providing token information for your convenience, we do not make any investment recommendations to you or opine on the merits of any transaction or opportunity. You alone are responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance.

6. Indemnification

You agree to hold harmless, release, defend, and indemnify U.CASH, our affiliates and our and our affiliates' respective officers, directors, employees, contractors, agents, service providers, licensors, and representatives (collectively, the "U.CASH Parties") from and against all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from or relating to: (a) your access and use of any of our products; (b) your violation of any term or condition of this agreement, the right of any third party, or any other applicable law, rule, or regulation; (c) any other party's access and use of any of our products with your assistance or using any device or account that you own or control; and (d) any dispute between you and (i) any other user of any of the products or (ii) any of your own customers or users. We will provide notice to you of any such claim, suit, or proceeding. We reserve the right to assume the exclusive defense and control of any matter which is subject to indemnification under this section, and you agree to cooperate with any reasonable requests assisting our defense of such matter. You may not settle or compromise any claim against any U.CASH party without our written consent.

7. Limitation of Liability

Under no circumstances shall we or any of U.CASH parties be liable to you for any indirect, punitive, incidental, special, consequential, or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data, or other intangible property, arising out of or relating to any access or use of or inability to access or use any of the products, nor will we be responsible for any damage, loss, or injury resulting from hacking, tampering, or other unauthorized access or use of any of the products or the information contained within it, whether such damages are based in contract, tort, negligence, strict liability, or otherwise, arising out of or in connection with authorized or unauthorized use of any of the products, even if an authorized representative of U.CASH has been advised of or knew or should have known of the possibility of such damages. We assume no liability or responsibility for any: (a) errors, mistakes, or inaccuracies of content; (b) personal injury or property damage, of any nature whatsoever, resulting from any access or use of the interface; (c) unauthorized access or use of any secure server or database in our control, or the use of any information or data stored therein; (d) interruption or cessation of function related to any of the products; (e) bugs, viruses, Trojan horses, or the like that may be transmitted to or through the interface; (f) errors or omissions in, or loss or damage incurred as a result of the use of, any content made available through any of the products; and (g) the defamatory, offensive, or illegal conduct of any third party.

We have no liability to you or to any third party for any claims or damages that may arise as a result of any payments or transactions that you engage in via any of our products, or any other payment or transactions that you conduct via any of our products. Except as expressly provided for herein, we do not provide refunds for any purchases that you might make on or through any of our products.

We make no warranties or representations, express or implied, about linked third party services, the third parties they are owned and operated by, the information contained on them, assets available through them, or the suitability, privacy, or security of their products or services. You acknowledge sole responsibility for and assume all risk arising from your use of third-party services, third-party websites, applications, or resources. We shall not be liable under any circumstances for damages arising out of or in any way related to software, products, services, and/or information offered or provided by third-parties and accessed through any of our products.

Some jurisdictions do not allow the limitation of liability for personal injury, or of incidental or consequential damages, so this limitation may not apply to you. In no event shall our total liability to you for all damages (other than as may be required by applicable law in cases involving personal injury) exceed the amount of one hundred Canadian dollars ($100.00 CAD) or its equivalent in the local currency of the applicable jurisdiction.

The foregoing disclaimer will not apply to the extent prohibited by law.

8. Governing Law, Dispute Resolution and Class Action Waivers

8.1 Governing Law

You agree that the laws of the Province of Ontario, Canada, without regard to principles of conflict of laws, govern this Agreement and any Dispute between you and us. You further agree that each of our Products shall be deemed to be based solely in Ontario, Canada, and that although a Product may be available in other jurisdictions, its availability does not give rise to general or specific personal jurisdiction in any forum outside Ontario. The parties acknowledge that this Agreement evidences interstate and international commerce. Any arbitration conducted pursuant to this Agreement shall be governed by the laws of Ontario. You agree that the courts of Ontario, Canada are the proper forum for any appeals of an arbitration award or for court proceedings in the event that this Agreement's binding arbitration clause is found to be unenforceable.

8.2 Dispute Resolution

We will use our best efforts to resolve any potential disputes through informal, good faith negotiations. If a potential dispute arises, you must contact us by sending an email to [email protected] so that we can attempt to resolve it without resorting to formal dispute resolution. If we aren't able to reach an informal resolution within sixty days of your email, then you and we both agree to resolve the potential dispute according to the process set forth below.

Any claim or controversy arising out of or relating to any of our Products, this Agreement, or any other acts or omissions for which you may contend that we are liable, including, but not limited to, any claim or controversy as to arbitrability ("Dispute"), shall be finally and exclusively settled by arbitration under the JAMS Optional Expedited Arbitration Procedures. You understand that you are required to resolve all Disputes by binding arbitration. The arbitration shall be held on a confidential basis before a single arbitrator, who shall be selected pursuant to JAMS rules. The arbitration will be held in Ontario, Canada, unless you and we both agree to hold it elsewhere. Unless we agree otherwise, the arbitrator may not consolidate your claims with those of any other party. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. If for any reason a claim by law or equity must proceed in court rather than in arbitration you agree to waive any right to a jury trial and any claim may be brought only in a Federal District Court or an Ontario provincial court located in Ontario, Canada.

8.3 Class Action and Jury Trial Waiver

You must bring any and all Disputes against us in your individual capacity and not as a plaintiff in or member of any purported class action, collective action, private attorney general action, or other representative proceeding. This provision applies to class arbitration. You and we both agree to waive the right to demand a trial by jury.

9. Miscellaneous

9.1 Entire Agreement

These terms constitute the entire agreement between you and us with respect to the subject matter hereof. This Agreement supersedes any and all prior or contemporaneous written and oral agreements, communications and other understandings (if any) relating to the subject matter of the terms.

9.2 Assignment

You may not assign or transfer this Agreement, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer this Agreement without our prior written consent shall be null and void. We may freely assign or transfer this Agreement. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors and permitted assigns.

9.3 Rewards

In connection with your historic or current use of one or more of our Products, we may provide you certain incentives, prizes or rewards for completing certain activities, such as completing a certain number of transactions ("User Rewards"). Details regarding the criteria for earning a reward will be described within the applicable Product or official U.CASH documentation. Upon satisfaction of the criteria for obtaining a reward and subject to your compliance with the associated rewards terms, this Agreement, and applicable law — to be determined exclusively by U.CASH — we will use commercially reasonable efforts to promptly transfer the earned reward to the digital wallet that you designate or have connected to the applicable Product. We reserve the right to change, modify, discontinue or cancel any rewards programs (including the frequency and criteria for earning such User Rewards), at any time and without notice to you.

9.4 Not Registered with the SEC or Any Other Agency

We are not registered with Canadian Regulators or the U.S. Securities and Exchange Commission as a national securities exchange or in any other capacity. You understand and acknowledge that we do not broker trading orders on your behalf. We also do not facilitate the execution or settlement of your trades, which occur entirely on public distributed blockchains like UCHAIN. As a result, we do not (and cannot) guarantee market best pricing or best execution through our Products or when using our Auto Routing feature, which routes trades across liquidity pools on the Protocol only. Any references in a Product to "best price" does not constitute a representation or warranty about pricing available through such Product, on the Protocol, or elsewhere.

9.5 Notice

We may provide any notice to you under this Agreement using commercially reasonable means, including using public communication channels. Notices we provide by using public communication channels will be effective upon posting.

9.6 Severability

If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any local, state, or federal government agency, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any applicable law and the validity or enforceability of any other provision of this Agreement shall not be affected.