TERMS

OF

SERVICE

QUESTN TERMS OF SERVICE

Welcome to the website of SLYTHERIN WIZARDRY TECHNOLOGY PTE.LTD together with its subsidiaries and affiliates (collectively, "Company", "we", "us" or "our"). These Terms of Service (the "Terms") govern your access to and use of https://questn.com, our APIs, mobile app, and any other software, tools, features, or functionalities provided on or in connection with our services (collectively, the "Site"); including without limitation using our services to create and participate in quests, events and airdrops, to mint tokens and to connect directly with others to earn, purchase, sell, or transfer tokens on public blockchains (collectively, the "Services").

For purposes of these Terms, "user", "you", and "your" mean you as a guest of the Site or a user of the Services. If you visit the Site or use the Services on behalf of a company or other entity then "you" includes you and that entity, and you represent and warrant that (a) you are an authorized representative of the entity with the authority to bind the entity to these Terms, and (b) you agree to these Terms on the entity's behalf.

PLEASE READ THESE TERMS CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION AND AFFECT YOUR LEGAL RIGHTS. BY USING THE SITE OR THE SERVICES, YOU ACCEPT AND AGREE TO BE BOUND AND ABIDE BY THESE TERMS AND OUR PRIVACY POLICY AT [https://questn.com/privacy-policy], INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THE TERMS, YOU MUST NOT ACCESS OR USE THE SITE OR SERVICES.

This Site is offered and available to users who are 18 years of age or older. By using this Site, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Site.

The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

We are a Web3 quest, event and airdrop platform providing a variety of permissionless on-chain and off-chain quests for GameFi, DAOs, communities, and projects that allows everyone to earn token and NFT rewards by completing quests posted by advertisers. We are not a wallet provider, exchange, broker, financial institution, money services business, or creditor. The Services are offered as an administrative platform only.

We are not a party to any agreement between any users. You bear full responsibility for verifying the identity, legitimacy, and authenticity of the tokens that you obtain from third parties using the Services and we make no claims about the identity, legitimacy, functionality, or authenticity of users or tokens (and any content associated with such tokens) visible on the Services.

The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or crypto asset by us. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

User Representations

By using the Site, you represent and warrant that: (1) all information you submit is be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such information as necessary; (3) you have the legal capacity and you agree to comply with these Terms; (4) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise; (5) you will not use the Site for any illegal or unauthorized purpose; and (6) your use of the Site will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site and the Services (or any portion thereof).

Third-Party Content and Services

The information presented on or through the Site is made available solely for general information purposes. The Site may include content and services provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators, and/or reporting services ("Third-Party Content"). All statements and/or opinions expressed in Third-Party Content are solely the opinions and the responsibility of the person or entity providing those materials. We are not responsible, or liable to you or any third party, for the accuracy, completeness or legality of any Third-Party Content.

This Site may contain links to other independent third-party websites ("Linked Sites"). These Linked Sites are provided solely as a convenience to our visitors. Such Linked Sites are not under our control, and we are not responsible for and do not endorse the content of such Linked Sites, including any information or materials contained on such Linked Sites. You will need to make your own independent judgment regarding your interaction with these Linked Sites. If you decide to access any of the Linked Sites, you do so entirely at your own risk and subject to the terms of service for such Linked Sites.

Payment, Gas Fees and Taxes

We may charge a fee for the Services made available to you. We reserve the right to change the amount of such fee at any time at our sole and absolute discretion. You are solely responsible for any and all fees associated with your use of the Site or the Services.

All your transactions on the Site are facilitated by Smart Contracts existing on Ethereum BNB Smart Chain, Polygon, Avalanche, KCC, Arbiturm one, Optimism network. The Ethereum BNB Smart Chain, Polygon, Avalanche, KCC, Arbiturm one, Optimism network requires the payment of a transaction fee (a "Gas Fee") for every transaction that occurs thereon, and thus every transaction occurring on the Site is subject to Gas Fee. The value of the Gas Fee changes, often unpredictably, and is entirely outside of our control. You acknowledge that under no circumstances will a contract, agreement, offer, sale, bid, or other transaction on the Site be invalidated, revocable, retractable, or otherwise unenforceable on the basis that the Gas Fee for the given transaction was unknown, too high, or otherwise unacceptable to you. You also acknowledge and agree that Gas Fee is non-refundable under all circumstances.

You are solely responsible to pay any and all sales, use, value-added and other taxes, duties, and assessments now or hereafter claimed or imposed by any governmental authority, associated with your use of the Site.

Prohibited Use

You may not use, or cause or encourage others to use, the Site for any illegal, harmful, fraudulent, infringing, or objectionable activities. Below is a non-exhaustive list of prohibited activities which you must not engage in:

- in any way that violates any applicable national or international law or regulation;

- trick, defraud, mislead or provide any false, inaccurate or misleading information to us, any of our users or any other person;

- defame, abuse, extort, harass, stalk, threaten or otherwise violate or infringe the legal or other rights (such as, but not limited to, rights of privacy, publicity and intellectual property) of others;

- harvest or otherwise collect information from the Services about others, including without limitation email addresses and/or public or private digital wallet keys, without proper consent;

- use any "deep-link", "page-scrape", "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Site or any content;

- attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services, the server on which the Services are stored, or any server, computer, or database connected to the Services;

- probe, scan or test the vulnerability of the Site or any network connected to the Site, or breach the security or authentication measures on the Site or any network connected to the Site;

- reverse look-up, trace or seek to trace any information on any other user of or visitor to the Site, or its source, or exploit the Site or any service or information made available or offered by or through the Site;

- impose an unreasonable or disproportionately large load on our infrastructure, or detrimentally interfere with, intercept, or expropriate any system, data, or information;

- engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Services, or which, as determined by us, may harm or offend us or our users or expose them to liability;

- use the Services in any manner that could disable, overburden, damage, or impair the Services or interfere with any other party's use of the Services, including their ability to engage in real time activities through the Services;

- forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to us on or through the Site or any service offered on or through the Site;

- impersonate or attempt to impersonate us, our employee, another user, or any other person or entity;

- use the Site for any purpose that is unlawful or prohibited by these Terms;

- solicit the performance of any illegal activity or other activity which infringes the rights of us or others;

- introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful;

- accessing or using the Site or the Services to build a similar service or application, identify or solicit our users, or publish any performance or any benchmark test or analysis relating to the Site;

- transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter," "spam," or any other similar solicitation; or

- disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.

Intellectual Property Rights

The Services, the Site, including their "look and feel" (e.g., text, graphics, images, logos, page headers, button icons, and scripts), proprietary content, information and other materials, and all content and other materials contained therein, including, without limitation, our logo and all designs, text, graphics, pictures, data, software, sound files, other files, and the selection and arrangement thereof are the proprietary property of us or our affiliates, licensors, third party content providers or users, as applicable, and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You agree not to take any action(s) inconsistent with such intellectual property ownership interests. We and our affiliates, licensors, third party content providers and users, as applicable, reserve all rights in connection with the Services, the Site and their content, including, without limitation, the exclusive right to create derivative works.

Our name, logo, trademarks, and any product or service names, designs, logos, and slogans are the intellectual property of us or our affiliates or licensors and may not be copied, imitated or used, in whole or in part, without our prior written permission in each instance. You may not use any metatags or other "hidden text" utilizing any name, trademark or product or service name of us or our affiliates or licensors without our prior written permission. In addition, the "look and feel" of the Site constitutes the service mark, trademark or trade dress of us and may not be copied, imitated or used, in whole or in part, without our prior written permission.

All other third-party trademarks, registered trademarks, and product names mentioned on the Site or contained in the content linked to or associated with the Services are the property of their respective owners and may not be copied, imitated or used, in whole or in part, without the permission of the applicable intellectual property rights holder. Reference to any products, services, processes or other information by name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship, or recommendation by us.

Intellectual Property Infringement

We respect the intellectual property of others. If you believe that your intellectual property rights are being infringed, please submit your claim via email to gm@gmlabs.me.

with the subject line: "Copyright Infringement" and include in your claim a detailed description of the alleged Infringement.

Licenses

When you post or submit any data, feedback, content, text, photographs, images, or other information to any part of the Site or provide to us (referred to as "User Content"), you represent and warrant that you have the right, power, and authority to post that User Content and grant the licenses specified below. You further represent and warrant that by posting or providing such User Content you will not violate third-party rights of any kind, including, without limitation, any intellectual property rights, rights of publicity, or privacy rights. To the extent your User Content may be copyrightable, you represent, warrant, and covenant that you are the owner of all the copyright rights to such User Content and that we may exercise the rights to your User Content granted under the Terms without any liability or obligation for any payment.

You retain all ownership rights in any User Content you post on the Site. To the extent permitted by applicable law, you grant to us and our successors and affiliates a royalty-free, sub-licensable, transferable, perpetual, irrevocable, non-exclusive, worldwide license to use, reproduce, modify, publish, list information regarding, edit, translate, distribute, publicly perform, publicly display, and make derivative works of all such User Content and your name, voice, and/or likeness as contained in your User Content, in whole or in part, and in any form, media, or technology, whether now known or hereafter developed, for use in connection with the Site and our (and our successors' and affiliates') business, including, without limitation, for promoting and redistributing part or all of the Site (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each User a non-exclusive license to access your User Content through the Site and to use, reproduce, distribute, display, and perform such User Content to the extent permitted through the normal functionality of the Site and subject to all applicable confidentiality and other provisions of these Terms, our Privacy Policy, and applicable law.

We are not liable for any statements or representations in User Content provided by you in any area on the Site. You are solely responsible for your User Content to the Site and you expressly agree to indemnify and hold us harmless from any and all responsibility and to refrain from any legal action against us regarding your User Content.

Termination

We may terminate or suspend your account and bar access to the Services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms and our Privacy Policy.

All provisions of Terms which by their nature should survive termination shall survive termination, including, without limitation, Third-Party Content and Services, Intellectual Property Rights, Disclaimer of Warranties, Indemnification, Limitation of Liability, Governing Law and Dispute Resolution, Electronic Communications and Miscellaneous. Termination will not limit any of our other rights or remedies at law or in equity.

Changes to these Terms

We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Terms, at any time. It is your responsibility to check these Terms periodically for changes. Your continued use of the Site or the Services following the posting of changes will mean that you accept and agree to the changes. If you do not wish to be bound by the changes, you must stop using the Site or the Services.

Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site and the Services without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.

We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.

Disclaimer of Warranties

YOUR ACCESS TO AND USE OF THE SERVICE IS AT YOUR OWN RISK. YOU UNDERSTAND AND AGREE THAT THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND WE EXPRESSLY DISCLAIM AND REPRESENTATIONS WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE MAKE NO WARRANTY OR REPRESENTATION AND DISCLAIM ALL RESPONSIBILITY FOR WHETHER THE SERVICES: (A) WILL MEET YOUR NEEDS OR EXPECTATIONS; (B) WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS; OR (C) ANY INFORMATION OBTAINED BY YOU AS A RESULT OF THE SERVICE WILL BE ACCURATE AND RELIABLE. WE DISCLAIM ALL OTHER WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE WILL NOT BE LIABLE FOR ANY LOSS OF ANY KIND FROM ANY ACTION TAKEN OR TAKEN IN RELIANCE ON MATERIAL OR INFORMATION, CONTAINED ON THE SERVICE OR THE SITE. WE DO NOT REPRESENT OR WARRANT THAT THE SERVICE OR CONTENT OF THE SITE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE CANNOT GUARANTEE THE SECURITY OF ANY DATA THAT YOU DISCLOSE ONLINE. NO ADVICE OR INFORMATION, WHETHER ORAL OR OBTAINED FROM US OR THROUGH THE SERVICES, WILL CREATE ANY WARRANTY OR REPRESENTATION NOT EXPRESSLY MADE HEREIN. YOU ACCEPT THE INHERENT SECURITY RISKS OF PROVIDING INFORMATION AND DEALING ONLINE OVER THE INTERNET AND WILL NOT HOLD US RESPONSIBLE FOR ANY BREACH OF SECURITY.

WE WILL NOT BE RESPONSIBLE OR LIABLE TO YOU FOR ANY LOSS AND TAKE NO RESPONSIBILITY FOR, AND WILL NOT BE LIABLE TO YOU FOR, ANY USE OF SERVICE OR CONTENT ON THE SITE, INCLUDING BUT NOT LIMITED TO ANY LOSSES, DAMAGES, OR CLAIMS ARISING FROM: (A) ANY ERROR OR DELAY IN THE TRASNMISSION OF DATA; (B) THE DELETION OF, CORRUPTION OF, OR FAILURE TO STORE AND/OR SEND OR RECEIVE YOUR TRANSMISSIONS OR DATA ON OR THROUGH THE SERVICE; (C) UNAUTHORIZED ACCESS OR USE; (D) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE.

WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY SUSTAINED LOSSES OR INJURY DUE TO VULNERABILITY OR ANY KIND OF FAILURE, ABNORMAL BEHAVIOR OF SOFTWARE (E.G., WALLET, SMART CONTRACT), BLOCKCHAINS OR ANY OTHER FEATURES OF THE SERVICES. WE ARE NOT RESPONSIBLE FOR LOSSES OR INJURY DUE TO LATE REPORTS BY DEVELOPERS OR REPRESENTATIVES (OR NO REPORT AT ALL) OF ANY ISSUES WITH THE BLOCKCHAIN SUPPORTING ANY OF THE DIGITAL ASSET(S), INCLUDING FORKS, TECHNICAL NODE ISSUES OR ANY OTHER ISSUES HAVING LOSSES OR INJURY AS A RESULT.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you in their entities, but will apply to the maximum extent permitted by applicable laws.

Indemnification

You agree to indemnify and hold harmless us, our affiliates, contractors, licensors, and our respective directors, officers, employees and agents from and against any claims, actions, proceedings, investigations, demands, suits, costs, expenses and damages (including attorneys' fees, fines or penalties imposed by any regulatory authority) arising out of or related to (i) your use of, or conduct in connection with, the Services, (ii) your breach or our enforcement of these Terms, or (iii) your violation of any applicable law, regulation, or rights of any third party during your use of the Services. If you are obligated to indemnify us, our affiliates, contractors, licensors, and our respective directors, officers, employees or agents pursuant to these Terms, we will have the right, in its sole discretion, to control any action or proceeding and to determine whether we wish to settle, and if so, on what terms.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE, OUR AFFILIATES AND RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTRACTORS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR SIMILAR DAMAGES OR LIABILITIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA, INFORMATION, REVENUE, PROFITS OR OTHER BUSINESSES OR FINANCIAL BENEFITS) ARISING OUT OF OUR SERVICES, ANY PERFORMANCE OR NON-PERFORMANCE OF OUR SERVICES, OR ANY OTHER PRODUCT, SERVICE OR OTHER ITEM PROVIDED BY OR ON BEHALF OF US AND OUR AFFILIATES, OR PRODUCTS OR THIRD-PARTY SITES AND PRODUCTS, WHETHER UNDER CONTRACT, STATUTE, STRICT LIABILITY, TORT (INCLUDING NEGLIGENCE) OR OTHER THEORY EVEN IF FORESEEABLE AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

NOTWITHSTANDING THE FOREGOING, IN NO EVENT WILL THE LIABILITY OF US, OUR AFFILIATES AND RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTRACTORS ARISING OUT OF SERVICES OFFERED BY OR ON BEHALF OF US AND OUR AFFILIATES, ANY PERFORMANCE OR NON-PERFORMANCE OF OUR SERVICES, OR ANY OTHER PRODUCT, SERVICE OR OTHER ITEM, WHETHER UNDER CONTRACT, STATUTE, STRICT LIABILITY OR OTHER THEORY, EXCEED THE GREATER OF (1) THE AMOUNT RECEIVED BY US FOR ITS SERVICE DIRECTLY RELATING TO THE ITEMS THAT ARE THE SUBJECT OF THE CLAIM, OR (2) US$50.00.

Governing Law and Dispute Resolution

You agree that these Terms and all matters relating to your access to or use of the Site, including all disputes and arbitration, will be governed by the laws of [Hong Kong Special Administration Region] without regard to its conflicts of laws provisions.

Initial Dispute Resolution

The parties shall use their best efforts to engage directly to settle any dispute, claim, question, or disagreement and engage in good faith negotiations which shall be a condition to either party initiating a lawsuit or arbitration.

Binding Arbitration

You and we agree that, subject to the paragraph above, any dispute, claim, or controversy between you and us arising in connection with or relating in any way to these Terms or to your relationship with us as a user of the Services (whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether the claims arise during or after the termination of these Terms) will be determined by mandatory final and binding individual (not class) arbitration. You and we further agree that the arbitrator shall have the exclusive power to rule on his or her own jurisdiction. The arbitrator must follow this agreement and can award the same damages and relief as a court (including, if applicable, attorney fees), except that the arbitrator may not award declaratory or injunctive relief in favour of anyone but the parties to the arbitration.

Arbitration Rules. The seat of the arbitration shall be Hong Kong. The arbitration shall be administered by the [Hong Kong International Arbitration Centre (HKIAC)] under the [HKIAC Administered Arbitration Rules (HKIAC Rules)] in force when the notice of arbitration is submitted. Unless the parties agree otherwise, there shall be only one arbitrator appointed in accordance with the HKIAC Rules. Any arbitration will be conducted in the English language. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based.

Confidentiality. The parties agree that the arbitration shall be kept confidential. The existence of the arbitration, any nonpublic information provided in the arbitration, and any submissions, orders or awards made in the arbitration (together, the "Confidential Information") shall not be disclosed to any non-party except the tribunal, the HKIAC, the parties, their counsel, experts, witnesses, accountants and auditors, insurers and reinsurers, and any other person necessary to the conduct of the arbitration. Notwithstanding the foregoing, a party may disclose Confidential Information to the extent that disclosure may be required to fulfill a legal duty, protect or pursue a legal right, or enforce or challenge an award in bona fide legal proceedings. This confidentiality provision shall survive termination of these Terms and of any arbitration brought pursuant to these Terms.

Class Action Waiver

The parties further agree that any arbitration or other permitted action shall be conducted in their individual capacities only and not as a class action or other representative action, and the parties expressly waive their right to file a class action or seek relief on a class basis. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. If any court or arbitrator determines that the class action waiver set forth in this paragraph is void or unenforceable for any reason or that an arbitration can proceed on a class basis, then the arbitration provision set forth above shall be deemed null and void in its entirety and the parties shall be deemed to have not agreed to arbitrate disputes.

Electronic Communications

Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

Miscellaneous

These Terms and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. These Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. These Terms are personal to you, and may not be transferred or assigned by you except with our express written consent. If any provision or part of a provision of these Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms or use of the Site. You agree that these Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms and the lack of signing by the parties hereto to execute these Terms.

Except as otherwise provided herein, these Terms are intended solely for the benefit of the parties and are not intended to confer third-party beneficiary rights upon any other person or entity.