GINICOE TERMS OF USE

Effective: June 1, 2026

Ginicoe, Inc. (“Ginicoe,” “we,” “us,” or “our”) welcomes you. We provide access to our website located at [www.ginicoe.com](the “Website”), and our proprietary software, or any applications (including mobile applications and any features such as, cash back rewards, and others that may be included in future) made available by Ginicoe (together with the Website, the “Service” or “Services”), subject to the following terms and conditions (the “Terms of Use”).

By visiting our Website, you acknowledge that you have read, understood, and agree to be legally bound by these terms of use and the terms and conditions of our privacy policy (the “Privacy Policy”), which are hereby incorporated into these terms of use and made a part hereof by reference (collectively, the “Agreement”). If you do not agree to any of the terms in the agreement, you may not access or use the Website.

If you accept or agree to the Agreement on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that company or other legal entity to the Agreement and, in such event, “you” and “your” will refer and apply to that company or other legal entity.

We reserve the right, at our sole discretion, to modify, discontinue, or terminate the Website, or to modify the Agreement, at any time and without prior notice. If we modify the Agreement, we will post the modification on the Website or provide you with notice of the modification at the last email address you gave us. By continuing to access or use the Website after we have posted a modification on the Website or have provided you with notice of a modification, you are indicating that you agree to be bound by the modified Agreement. If the modified Agreement is not acceptable to you, your only recourse is to cease using the Website.

THE SECTIONS BELOW TITLED “BINDING ARBITRATION” AND “CLASS ACTION WAIVER” CONTAIN A BINDING ARBITRATION AGREEMENT, AND CLASS ACTION WAIVER. THEY AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM.

Capitalized terms not defined in these Terms of Use shall have the meaning set forth in our Privacy Policy.

DEFINITIONS FOR CONSUMER
A. Software means the software program used by or in development by Licensor referred to as “The FriendlyFace” and "SoJOR Fee" as developed by or for Licensor, and any updates, upgrades, enhancements, releases, improvements, and any other adaptations or modifications made to “Structural Systemic Risk Buffer (SSRB) SoJOR” (which may contain, among other things, error corrections or other changes to the functionality, compatibility, capabilities, performance, efficiency, market conditions, or quality of “SSRB SoJOR”), whether or not owned by Licensor. Licensor is not obligated to update, upgrade, enhance or improve the Software.

B. SoJOR means Social Justice Outerchange Rating. Developed by Licensor comprised of 4 components: (i) Housing (ii) Positive Conversation (iii) Self-identified gender (iv) Income of the borrower converged as economic consideration where there exists an overriding legitimate business purpose such that the practice is necessary to the safe and efficient operation of the business of racially integrated housing intended to reduce macroprudential risk, market risk, social risk, political violence risk, upset or destabilize the population balance between P52 and European-Americans (EA) either expressly or indirectly or causally thereby affecting P52 segregated housing issues, P52 integrated housing issues, gentrification issues, or some facsimile thereof involving P52 e.g. labor, education, voting, investments, etc as outlined by the SoJOR™, and insurance risk exposure to the FI.

C. Participant means any consumer, merchant, financial institution, Government agency, health care provider, educational facility, or registered entity approved by Ginicoe to use its FriendlyFace or SoJOR scoring systems and methods for transactions, validations, social justice impact, identity theft prevention, or rebalancing of racially segregated congressional districts, adhering to established covenants as outlined in this and associated agreement.

D. P52 means PLAHNET52 is an acronym for Pacific Islander Americans, LGBTQIA+, African Americans, Asians, Asian Indians, Alaska Natives, Alaska Native Corporations, Hasidic Jews, Hispanic-Americans, Native Americans, Ex-Offenders, Tribal entities, taking the first letter of the protect group where there are 5A’s & 2H’s equating to 52. See 15 C.F.R. § 1400.1e.g. immigrants, Muslims, etc. as described on the Company website found here: https://ginicoe.com/service/plahnet-52-diaspora A similiar inquiry maybe found on FNMA 1003 noting For compliance with equal credit opportunity, fair housing and home mortgage disclosure laws …“If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person.” Here, the compliance is the 2:1 ratio of the housing component of the SoJOR scoring system, and the visual observation is the credible and voluntary Ginicoe facial imaging system.

E. EAs – means any European American from Albania, Andorra, Aromanians, Austria, Balkans, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Herzegovina, Hungary, Iceland, Ireland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, Russia (transcontinental), San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey (transcontinental), Ukraine, United Kingdom, Vatican City. Often encompassing various national origins from Europe, often used in contrast to or within the "White American" category.

1.DESCRIPTION OF OUR SERVICES
At Ginicoe, "Our mission is to reduce the racial wealth gap by eradicating identity theft targeting affluent districts using the instrumentality of integrated housing combined with our patented 'Friendly Face™' Biometric/SoJOR™ tools, proving that corporate social responsibility (CSR) drives significant financial impact." We employ our Social Justice Outerchange Rating (“SoJOR”)™ methodology to assign consumers who purchase goods and services from participating Merchants (defined below) whereas (“Consumers”) SoJOR score is based on the following four factors: (1) Your address and race as a P52 or EA compared to your neighbors on all four sides; (2) your positive conversation scoring located on your mobile app; (3) your gender; and (4) your income. The scoring range is best to worst 850 – 300 (the “SoJOR Score”).

Consumers can Signup to be a Ginicoe participant (“Participant”) by completing our online registration through our Website or mobile apps. Registered participants will receive a SoJOR™ Score.

Consumer shall pay, and merchant participants shall collect on behalf of Licensor, a per-transaction SoJOR fee, commonly referred to as an Ad Valorem Fee, equal to the SoJOR range percentage as outlined in the chart below, derived from the licensed products. The fee is collected from any consumer who transacts at the participating merchant card acceptance or Point of interaction, even if they haven't registered for FriendlyFace protection. SoJOR™ is based on the public information in your address, census tract, and income, which the U.S. Census Bureau compiles from various sources, not just your application for our Services.

Consumers actively provide personal data, thereby unequivocally waiving surveillance and dynamic pricing protections as stipulated by the New York Algorithmic and Surveillance Statute, the Maryland Predatory Surveillance Pricing Act, and other similar state laws now and forthcoming.

The score is then categorized in tiers, and each tier is assigned an associated percentage (“SoJOR Percentage”) ranging from bronze to platinum. The SoJOR Percentage is applied to qualifying purchases by all participating merchants who are party to a license agreement as Ginicoe (“Merchants”).
    

For registered Consumers, we transmit voluntarily opt-in submitted pre-authenticated facial images as a security tool to every point of commercial interaction twenty-four hours a day, seven days a week. Participating merchants have access to our patented biometric Friendly Face™ solution for identity verification, consistent with their licensing agreement, subscription tier, usage rate, and sales volume. Merchant participants are responsible for applying a Consumer’s SoJOR Score and corresponding SoJOR Percentage at the point-of-sale interaction to each Consumer and collecting from the Consumer the FriendlyFace fee derived from the SoJOR Percentage of the sale (the “SoJOR Fee”).

By using our Services, Merchants are protected against fraud in card-present transactions while advancing residential gentrification, thereby reducing fraud-related chargebacks, reversals, and auto-generated refunds while at the same time increasing profit margins and eradicating identity theft in what will soon be historical affluent districts. Consumers are protected from identity theft, account takeover fraud, home title fraud, investment fraud, senior citizen fraud and scams, and even if their information is stolen during a third-party data breach and later sold on the dark web. Consumer’s good name, hard-earned credit history, and reputation remain intact.

We reserve the right to change any of the fees that we collect, including the SoJOR Fee, or to institute new or additional fees, at any time upon notice to you.

2.USE OF PERSONAL INFORMATION
When you use our website and voluntarily sign up to become a Ginicoe participant for our Services, and purchase goods or services, from participant Merchants, certain personal information may be transmitted. Our policies with respect to the collection and use of such personal information that was not gathered from surveillance are governed by our Privacy Policy (located at [ginicoe.com/privacy]), which is hereby incorporated by reference in its entirety.

3.ELIGIBILITY
Children under the age of 13 are not allowed to create an account for use with the Service (“Account”) or otherwise use the basic Service. You must be at least 18 years old to participate in the FriendlyFace SoJOR fee or have a consenting adult or guardian's permission to protect the child’s sensitive information from being used by bad guys. E.g. SSN to open up false bank accounts and loans.

4.ACCOUNT INFORMATION
You can use some parts of our Services without a login. However, in order to use all of our Services, you will have to Signup to create an account with us by providing your username, email address, telephone number, facial image for login or protection or both and indicate to us your customer type (collectively, the “Account Credentials”). When creating your account, you must provide true, accurate, current, and complete information. You may not create a false identity, misrepresent your identity, or your address, or your neighbors address, or be misleading. To enjoy the full protection benefits of our service, you will be asked to voluntarily submit to us your facial biometric image by using your web camera or mobile camera. You may also be asked to input your profile information, including your description, gender, income, location, address, neighbors' address, and primary account numbers (PAN). We use military-grade encryption. Each Account Credential can be used by only one user, and you may not transfer your Account Credentials to anyone else without our prior written permission. You are responsible for the confidentiality and use of your Account Credentials. You are responsible for keeping your Google Authenticator backup code secret and secure. You will not share your account access with anyone, and you must protect the security of your account and your minor child’s account. You are responsible for any activity associated with your account. You will promptly inform us of any need to deactivate any Account Credentials or change any Account Credentials. We reserve the right to delete or change your Account Credentials at any time and for any reason.

We also allow you to log in to our Services using Multi-Factor Authentication (MFA) and Biometric functionalities that we manage internally.

5.COMMUNITY GUIDELINES
Ginicoe’s community, like any community, functions best when its users follow a few simple rules. By accessing and/or using the Website or the Services, you agree to comply with these community guidelines (the “Community Guidelines”) and that:

* You will comply with all applicable laws in your use of the Website and the Services and will not use the Website or the Services for any unlawful purpose;
* You will not upload, post, e-mail, transmit, or otherwise make available any content that: infringes any copyright, trademark, right of publicity, or other proprietary rights of any person or entity; or is defamatory, libelous, indecent, obscene, pornographic, sexually explicit, invasive of another’s privacy, promotes violence, or contains hate speech; or discloses any sensitive information about another person.
* You will not “stalk,” threaten, bully, intimidate, annoy, or otherwise harass another person;
* You will not access or use the Website or the Services to collect any market research for a competing business;
* You will not impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity;
* You will not interfere with or attempt to interrupt the proper operation of the Website, or the Services through the use of any virus, device, information collection or transmission mechanism, software or routine, or access or attempt to gain access to any data, files, or usernames or passwords related to the Website or the Services through hacking, brute force attacks, DDOS attacks, cross-site scripting attacks, SQL injection attacks or data mining, or any other means;
* You will not cover, obscure, block, or in any way interfere with any advertisements and/or safety features (e.g., report abuse button) on the Website or the Services;
* You will not use any robot, spider, scraper, AI or other automated means to access the Website, or the Services for any purpose without our express written permission; 
* You will not use the Website or the Services to run mail lists, list servers, any form of auto-responders and “spam”, or any processes that run or are activated while you are not using the Website or Services;
* You will not introduce, post, or upload to the Website or Services any virus, worm, “black door,” Trojan Horse, or similar harmful code;
* You will not reverse engineer, decompile, disassemble, or otherwise attempt to discern the source code or interface protocols of the Website or Services;
* You will not capture and share screenshots or any content within the Website or Services without Ginicoe’s authorization; and
* You will not take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our technical infrastructure.

You will let us know about inappropriate content of which you become aware. If you find something that violates our Community Guidelines, please let us know, and we’ll review it.

We reserve the right, in our sole and absolute discretion, to deny you access to the Website or the Services, or any portion of thereof, without notice.
    

    6.INTELLECTUAL PROPERTY
We retain all right, title and interest in and to the Websites, the Services, all software, algorithms, business logic, on-device biometric authentication, authentication signals controlling transaction authorization, cryptographic authentication tokens, and other technology current and in development or pending relating to any of the foregoing, all any content or materials made available through any of the foregoing, together with all intellectual property rights embodied therein (“Content”). The Content may be owned by us or our licensors, or assignee, and is protected under both United States and foreign laws. Unauthorized use of the Content may violate copyright, trademark, service mark, patent infringement and other intellectual property rights or laws. You have no rights in or to the Content, and you will not use the Content except as permitted under this Agreement and the functionality of the Website. No other use is permitted without prior written consent from us. You must retain all copyright and other proprietary or legal notices contained in the original Content. You may not make, have made, use, research or develop, sell, offer to sell, import, have sold, export, practice methods, make improvements, transfer, assign, license, sublicense, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose. The use or posting of the Content outside the Website or in a networked computer environment for any purpose is expressly prohibited.

If you violate any part of this Agreement, your permission to access the Websites and Services automatically terminates and you must immediately destroy any copies you have made of the Content.

The trademarks, service marks, and logos of Ginicoe™, SoJOR™, FriendlyFace™, (the “Ginicoe Trademarks”) used and displayed on the Websites, Services and Products are registered and unregistered trademarks or service marks of Ginicoe®. Other company, product, and service names located on the Websites, Services and Products may be trademarks or service marks owned by others (the “Third-Party Trademarks,” and, collectively with Ginicoe Trademarks, the “Trademarks”). Nothing on the Websites, Services and Products should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademarks, without our prior written permission specific for each such use. Use of the Trademarks as part of a link to or from any website is prohibited unless establishment of such a link is approved in advance by us in writing. All goodwill generated from the use of Ginicoe Trademarks inures to our benefit.

Elements of the Websites, Services and Products are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including, but not limited to, the use of framing or mirrors or artificial intelligence. None of the Content may be retransmitted without our express, written consent for each and every instance.
    

    7.Mobile App Terms and License
Our mobile App offers functionality that allows Participants to access their Ginicoe mobile portal and Participant data. Other functionality may also be available on the App such as the ability to receive various promotional offers and benefits.

The App is provided to you under license and your use of the App and any information or data downloaded by or in connection with the App (the "Data") is subject to and limited by the license terms set forth below. We grant you a limited, non-exclusive, non-transferable license to use the App and Data subject to the terms and conditions set forth in this Agreement. You acknowledge that you must be a participant, Monitor, a parent or legal guardian of a Ginicoe participant to access the participant or image features of our App. This license will also govern any software upgrades provided by us that replace and or supplement the original App unless such upgrades are accompanied by a separate license in which case the terms of that license will govern. We have no obligation to provide you with any updates, maintenance or support services for the App.

You may not use or permit others to use the App or Data except under the terms expressly listed above. Without limiting the previous sentence you shall not and shall not permit anyone else to (a) use the App or Data on any device that you do not own or control, (b) use the App or Data for service bureau time sharing or other similar purpose, (c) modify, translate reverse engineer, decompile, attempt to derive the source code of, disassemble (except to the extent that this restriction is expressly prohibited by law) or create derivative works based upon the App or Data, (d) copy the App, including any updates or any part thereof, or Data (except as permitted above), (e) rent, lease, sell, offer to sell, distribute or otherwise transfer rights to the App or Data, (f) develop, sell or distribute applications that integrate with the App or otherwise make use of the Data, (g) remove any proprietary notices or labels on or relating the App or Data, or (h) use the App or Data in any manner that could impair any website that we may own or operate currently or in the future.

The App contains certain third-party software under license to us, including open source software (collectively, the "Third-Party Software"). The Third-Party Software is licensed to you under and subject to the terms of the applicable third-party software licenses. The App may be available via one or more mobile app stores or marketplaces (an "App Store") for use on mobile devices, including App Stores provided by Apple, Inc., Google, Inc., Amazon.com, Inc. and Microsoft, Inc. Apple, Inc., Google, Inc. Amazon.com, Inc. and Microsoft, Inc. are each a "Provider" for the purposes of these Terms with respect to any App downloaded from one of their respective App Stores. Your use of our App must comply with the then-current Terms of Service applicable to the App Store(s) from which you downloaded our App as well as any applicable Ginicoe terms of service related to the App. To use the App you must first download it from an App Store and then register with us, by providing your user name, email address, telephone number, google authenticator code, voluntarily submitted biometric facial image, and other information.

You acknowledge that this Agreement is between you and Ginicoe only, and not with any Provider. Ginicoe, and not Provider, is solely responsible for our App and the services and content available thereon. You acknowledge that Provider has no obligation to provide maintenance and support services with respect to our App. To the maximum extent permitted by applicable law, Provider will have no warranty obligation whatsoever with respect to our App. We and not Provider are responsible for addressing any questions, comments or clams relating to the App and or your use of the App including but not limited to any product liability claims, claim that the App fails to conform to any applicable legal or regulatory requirement, claims arising under consumer protection or similar legislation, and for the investigation, defense, settlement and discharge of any third-party intellectual property infringement claim related to our App or your possession and use of our App.

You agree to comply with all applicable third-party terms of agreement when using our App (e.g., you must not be in violation of your wireless data service terms of agreement when using the App). Provider is a third-party beneficiary to this Agreement and, upon your acceptance of this Agreement Provider will have the right (and will be deemed to have accepted the right) to enforce this Agreement with respect to the App.

In the event of a third-party claim that the App or your possession of and/or use of the App infringes a third party's intellectual property rights, we, not Provider, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.

Certain features in the App may allow you to make a purchase or request access to additional or different features for which fees may apply. You can choose whether or not to make these purchases or access these features and you will not be subject to fees or charges without your consent; however if you believe you have been assessed a fee or a charge in error or if the feature or item purchased does not perform as described or is not delivered to you, you may you dispute the purchase by logging into your mobile application store from which you downloaded the App and lodging your dispute or request for refund directly with the application store owner.
    

    8. INDEMNIFICATION
You agree to defend, indemnify, and hold harmless Ginicoe, its affiliates, subsidiaries, assignees, or its or their officers, directors, employees or agents (collectively, the “Ginicoe Parties”) from and against any and all damages, liabilities, losses, costs, and expenses, including reasonable attorney’s fees (collectively, “Losses”) incurred by any Ginicoe Party in connection with a third-party claim, action, or proceeding (each, a “Claim”) arising from (i) your breach of this Agreement; (ii) any misuse of the Content or the Website; or (iii) your violation of any third-party right, including without limitation any copyright, trademark, property, or privacy right; provided, however, that the foregoing obligations shall be subject to our: (i) promptly notifying you of the Claim; (ii) providing you, at your expense, with reasonable cooperation in the defense of the Claim; and (iii) providing you with sole control over the defense and negotiations for a settlement or compromise.
    

        9. NO WARRANTIES; LIMITATION OF LIABILITY
THE WEBSITE, SERVICES, AND CONTENT IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND NONE OF THE GINICOE PARTIES MAKE ANY WARRANTIES WITH RESPECT TO THE SAME OR OTHERWISE IN CONNECTION WITH THIS AGREEMENT, AND THE GINICOE PARTIES HEREBY DISCLAIM ANY AND ALL EXPRESS, IMPLIED, OR STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AVAILABILITY, ERROR-FREE OR UNINTERRUPTED OPERATION, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE OR THAT ANY CONTENT OR INFORMATION YOU OBTAIN ON OR THROUGH OUR WEBSITE OR SERVICES WILL BE ACCURATE, COMPLETE, CURRENT OR APPROPRIATE FOR YOUR PURPOSES. TO THE EXTENT THAT ANY GINICOE PARTY MAY NOT AS A MATTER OF APPLICABLE LAW DISCLAIM ANY IMPLIED WARRANTY, THE SCOPE AND DURATION OF SUCH WARRANTY WILL BE THE MINIMUM PERMITTED UNDER SUCH LAW.

GINICOE MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING (I) ANY [DIGITAL WALLET, THIRD PARTY PAYMENT PROCESSORS, ACH ERRORS, MALWARE, OR HOSTING EXPLOITS]; (III) THE ACCURACY, COMPLETENESS, CORRECTNESS OR TIMELINESS OF THE INFORMATION PROVIDED ON OR THROUGH THE WEBSITE OR SERVICES, (IV) THE QUALITY AND SECURITY OF THE WEBSITE OR ANY SERVICES, INCLUDING WHETHER THE WEBSITE OR SERVICES WILL BE FREE OF VIRUSES, UNAUTHORIZED CODE OR OTHER HARMFUL COMPONENTS; (V) THE ABILITY TO ACCESS THE WEBSITE OR SERVICES OR THE CONTENT ON THE WEBSITE OR SERVICES AT ANY PARTICULAR TIME; OR (VI) THE ADEQUACY OR SAFETY OF THE SERVICES OFFERED THROUGH THE WEBSITE FOR ANY PARTICULAR USER. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS YOU BELIEVE NECESSARY OR ADVISABLE TO PROTECT YOU AGAINST ANY CLAIM, DAMAGE, LOSS OR HAZARD THAT MAY ARISE BY VIRTUE OF YOUR USE OF THE WEBSITE OR SERVICES. GINICOE ASSUMES NO LIABILITY IF YOU ARE UNABLE TO LOGIN TO YOUR ACCOUNT USING YOUR ACCOUNT CREDENTIALS.

IN CONNECTION WITH ANY WARRANTY, CONTRACT, OR COMMON LAW TORT CLAIMS: (I) WE SHALL NOT BE LIABLE FOR ANY INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST REVENUES, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION RESULTING FROM THE USE OR INABILITY TO ACCESS AND USE THE WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (II) ANY DIRECT DAMAGES, INCLUDING CLAIMS OF PRICE DISCRIMINATION OR SURVILLANCE PRICING, THAT YOU MAY SUFFER AS A RESULT OF YOUR USE OF THE WEBSITE OR SERVICES, SHALL BE LIMITED TO THE GREATER OF THE TOTAL FEES PAID AND PAYABLE TO US BY YOU IN THE IMMEDIATELY PRECEDING THREE (3) MONTH PERIOD FROM THE DATE ON WHICH THE CLAIM ARISES OR ONE HUNDRED DOLLARS ($100). ANY CLAIMS MADE BY YOU IN CONNECTION WITH YOUR USE OF THE WEBSITE OR SERVICES MUST BE BROUGHT BY YOU WITHIN ONE (1) YEAR OF THE DATE ON WHICH THE EVENT GIVING RISE TO SUCH ACTION OCCURRED.

THE WEBSITE OR SERVICES MAY CONTAIN TECHNICAL INACCURACIES, TYPOGRAPHICAL ERRORS, OR OMISSIONS. WE ARE NOT RESPONSIBLE FOR ANY SUCH TYPOGRAPHICAL, TECHNICAL, OR OTHER ERRORS LISTED ON OR OMITTED FROM THE WEBSITE OR SERVICES. WE RESERVE THE RIGHT TO MAKE CHANGES, CORRECTIONS, AND/OR IMPROVEMENTS TO THE WEBSITE OR SERVICES AT ANY TIME WITHOUT NOTICE.

YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTION WITH OTHER USERS (CONSUMERS, MERCHANTS, BANKS, GOVERNMENT, HEALTH CARE, EDUCATION, GUESTS OR HOSTS DURING POSTIVE CONVERSATION) OF THE SERVICE, WHETHER ONLINE OR OFFLINE. YOU AGREE THAT GINICOE IS NOT RESPONSIBLE OR LIABLE FOR THE CONDUCT OF ANY USER. GINICOE RESERVES THE RIGHT, BUT HAS NO OBLIGATION, TO MONITOR OR BECOME INVOLVED IN DISPUTES BETWEEN YOU AND OTHER USERS. EXERCISE COMMON SENSE AND YOUR BEST JUDGMENT WHEN INTERACTING WITH OTHERS, INCLUDING WHEN MEETING OTHERS FOR POSITIVE CONVERSATION RATINGS AND WHEN YOU SUBMIT OR POST CONTENT GEOMAPPING LOCATIONS, OR ANY PERSONAL OR OTHER INFORMATION.
        

      10. BINDING ARBITRATION AND CLASS ACTION WAIVER
THE PARTIES AGREE TO SUBMIT ALL CONTROVERSIES TO ARBITRATION AND THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE ARBITRATED ON A CLASS ACTION BASIS IN ACCORDANCE WITH THE PROVISIONS SET FORTH BELOW AND UNDERSTAND THAT: (A) ARBITRATION IS FINAL AND BINDING ON THE PARTIES. (B) THE PARTIES ARE WAIVING THEIR RIGHT TO SEEK REMEDIES IN COURT, INCLUDING THE RIGHT TO A JURY TRIAL. (C) PRE-ARBITRATION DISCOVERY IS GENERALLY MORE LIMITED AND DIFFERENT FROM COURT PROCEEDINGS. (D) THE ARBITRATOR'S AWARD IS NOT REQUIRED TO INCLUDE FACTUAL FINDINGS OR LEGAL REASONING AND ANY PARTY'S RIGHT TO APPEAL OR TO SEEK MODIFICATION OF RULINGS BY ARBITRATORS IS STRICTLY LIMITED. (E) THE PANEL OF ARBITRATORS WILL TYPICALLY INCLUDE A MINORITY OF ARBITRATORS WHO WERE OR ARE AFFILIATED WITH THE SECURITIES INDUSTRY. (F) ALL CONTROVERSIES WHICH MAY ARISE BETWEEN THE PARTIES CONCERNING THIS LICENSE AGREEMENT SHALL BE DETERMINED BY ARBITRATION PURSUANT TO THE RULES THEN PERTAINING TO THE AMERICAN ARBITRATION ASSOCIATION (AAA) REGIONAL OFFICE LOCATED IN CLEVELAND, OHIO. JUDGMENT ON ANY AWARD OF ANY SUCH ARBITRATION MAY BE ENTERED IN THE SUPREME COURT OF THE STATE OF NEW YORK OR IN ANY OTHER COURT HAVING JURISDICTION OF THE PERSON OR PERSONS AGAINST WHOM SUCH AWARD IS RENDERED. ANY NOTICE OF SUCH ARBITRATION OR FOR THE CONFIRMATION OF ANY AWARD IN ANY ARBITRATION SHALL BE SUFFICIENT IF GIVEN IN ACCORDANCE WITH THE PROVISIONS OF THIS AGREEMENT. THE PARTIES AGREE THAT THE DETERMINATION OF THE ARBITRATORS SHALL BE BINDING AND CONCLUSIVE UPON THEM.
        

    11. EXTERNAL SITES
The Website or Services may contain links to third-party websites (“External Sites”). These links are provided solely as a convenience to you and not as an endorsement by us of the content on such External Sites. The content of such External Sites is developed and provided by others. You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links or any content located on such External Sites. We are not responsible for the content of any linked External Sites and do not make any representations regarding the content or accuracy of materials on such External Sites. You should take precautions when downloading files from all websites to protect your computer from viruses and other destructive programs. If you decide to access linked External Sites, you do so at your own risk.
    

    12. COMPLIANCE WITH APPLICABLE LAWS
We make no claims concerning whether the Website, Services or the Content may be downloaded, viewed, or be appropriate for use outside of the United States. If you access the Website, Services or the Content from outside of the United States, you do so at your own risk. Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.
    

    13. ACCOUNT TERMINATION; TERMINATION OF AGREEMENT; CHANGES TO THE SERVICES
You’re free to stop using the Services at any time, by deleting your account. Ginicoe is also free to restrict, terminate or suspend your access to the Website or Services or your account, for any reason in our discretion and without prior notice of liability, including your breach of this Agreement. Ginicoe has the sole right to decide whether you are in violation of any of the restrictions set forth in this Agreement.

We’re always trying to improve the Website or Services, so they may change over time. We may suspend or discontinue any part of the Website or Services, or we may introduce new features or impose limits on certain features or restrict access to parts or all of the Website or Services at any time without prior notice or liability. Similarly, we reserve the right to remove any Content from the Services at any time, for any reason, in our sole discretion, and without notice or liability.