Terms of Use and Service

About Privable

Privable is your all-in-one digital safety app. It brings together identity monitoring with alerts about leaked data, removal of your personal information from data-broker sites, browser protection through a Safari extension that blocks scam pages, a device check, and short digital safety lessons.

We rely on strong technology to protect your digital footprint, but no service can promise complete, 100% protection against every scam, hacker, or instance of identity theft. Removing your information depends entirely on independent data brokers. Because we do not own or control them, we cannot legally force them to comply or to act faster, although we will always push hard on your behalf. Privable is provided on an "as-is" basis, and you use it at your own risk. We cannot guarantee flawless real-time alerts, nor can we guarantee that your data will be completely erased from every corner of the internet.

Important Notice Regarding Automatic Renewals

This Service includes subscriptions that renew automatically. Please read these terms and conditions of use (the "Terms") carefully, and Section 6 in particular, before you start a trial or complete a purchase of our auto-renewing subscription service.

To avoid being charged, you must cancel your subscription at least 24 hours before your trial or current billing cycle ends. By purchasing an automatically renewing subscription, you acknowledge and accept its recurring nature, as explained near the point of purchase. If you do not cancel in time, your subscription will renew automatically and the applicable charges will be applied.

If you subscribed or started a free trial through the App Store, refund requests are handled directly by Apple. You can submit a request by following the instructions on the Apple Support page.

If you subscribed or started a free trial through our website, please contact our support team at [email protected] for help.

Deleting the app does not cancel your subscription or trial. If you want to cancel, make sure you follow the correct cancellation process for the platform you used. You may also want to take a screenshot of this notice for future reference. More details are available in our Subscription Policy.

Our privacy practices are described in detail in our Privacy Policy. Please review it to understand how we collect, use, and share your personal information.

Binding Arbitration and Dispute Resolution

Section 12 of these Terms governs how disputes between you and Privable are resolved. In particular, it contains a binding arbitration agreement, which means that:

• you agree to resolve disputes with us through final and binding arbitration rather than in court, subject to certain limited exceptions;
• you waive your right to file a lawsuit or to take part in a class action lawsuit against us; and
• you may opt out of the arbitration agreement by following the process described in Section 12.

Please read that section carefully, because it significantly affects your legal rights.

1. Acceptance of Terms

1.1. These Terms and Conditions (the "Terms") govern the relationship between you and Notch Limited, a company registered in England and Wales under company number 15849302, with its registered office at Unit 4, 27 Calder Yard, London EC2A 3LH, United Kingdom ("we," "us," "our," or the "Company"), in connection with your use of the Company's websites, mobile apps, browser extensions, and other services (the "Service"), including all text, graphics, video, music, software, and other content available through the Service (the "Content").

1.2. By accessing or using any part of the Service, you confirm that you have read and understood these Terms and agree to be bound by them, which creates a legally binding agreement between you and the Company. If you do not agree to these Terms, you must stop using the Service immediately, delete your account, and cancel any active subscriptions.

1.3. These Terms were originally written in English. Any translation of them is provided for your convenience only. If the English version and a translated version conflict, the English version will prevail.

Additional Terms and Policies

1.4. Our Privacy Policy forms an integral part of these Terms and explains how we collect, use, and protect your personal data. From time to time we may also post additional policies, supplemental terms, or notices on the Service. Those terms are incorporated into these Terms by reference and will apply to your use of the Service.

Changes to These Terms

1.5. To the extent permitted by applicable law, we may update, modify, or remove parts of these Terms at our sole discretion. This may happen when we introduce or discontinue features, technologies, or services, when we need to comply with legal, regulatory, or contractual requirements, or in response to exceptional or unforeseen circumstances. Where the law requires it, we will notify you of such changes.

1.6. Unless we say otherwise, we will signal updates by changing the "Last Updated" date of these Terms. You acknowledge and agree that you are responsible for reviewing the Terms regularly. Unless specified otherwise, updated Terms take effect as soon as they are posted on the Service. If you keep using the Service after the updates take effect, you accept the revised Terms. If you do not agree with them, you must stop using the Service immediately, delete your account, and cancel your subscription.

Changes to the Service

1.7. We may also update, change, suspend, or discontinue the Service (or any part, content, or feature of it) at any time, without notice and without liability to you or anyone else — for example, to offer or test new or different features, technologies, or services, to fix, improve, or further develop the Service, to comply with legal, regulatory, or contractual requirements, or in response to exceptional or unforeseen circumstances. Some services and features may not be available in every country, in every language, or on every operating system.

2. Payment Processing

2.1. The Service offered through the Website may be distributed to you by our authorized merchants of record, resellers, or agents.

2.2. If your purchase of the Product is processed by one of our authorized merchants of record, resellers, or agents, then, for the purposes of these Terms, the term "Company" shall be read as including that merchant of record, reseller, or agent (as applicable), solely for payment processing purposes.

3. Account Registration

Creating an Account

3.1. To access certain features of the Service, you may need to register an account ("Account") and provide accurate and complete information during registration.

Your Responsibilities

3.2. By creating an Account, you represent and warrant that:

• the information you provide is truthful, accurate, and current;
• you will update your Account information whenever needed to keep it accurate; and
• your use of the Service complies with all applicable laws and regulations and with these Terms.

3.3. If you fail to provide or maintain accurate information, the Service may not work properly, and we may be unable to notify you of important updates.

Age Restriction

3.4. The Service is intended for users who are 18 or older. By creating an Account, you confirm that you are at least 18 years old and have the legal authority to enter into and comply with these Terms. If you are under 18, you may not use the Service.

Account Suspension or Termination

3.5. We reserve the right to suspend or terminate your Account and to restrict your access to the Service at our discretion, with or without prior notice, if we determine that you have breached these Terms or any applicable law. This includes situations where you have provided false, misleading, or incomplete information during registration, or have engaged in fraudulent, abusive, or unauthorized activity on the Service. Termination may result in loss of access to your data, content, or any benefits associated with the Service, and we are not responsible for any consequences of such actions.

Account Security

3.6. You are responsible for keeping your Account credentials, including login details and passwords, confidential and for all activity that takes place under your Account. You may not sell, rent, lease, share, or otherwise give anyone else access to your Account, including, without limitation, by charging anyone for access to it. The Company reserves all available legal rights and remedies to prevent unauthorized use of the Service, including, but not limited to, technological barriers, IP mapping, and, in serious cases, contacting your Internet Service Provider (ISP) directly about the unauthorized use. You should not share your login information with anyone, because you assume full responsibility for any actions taken through your Account. If you suspect unauthorized access or a security breach, you must notify us immediately at [email protected].

3.7. We are not liable for any loss, unauthorized transaction, or damage that results from access to your Account because you failed to protect your credentials. It is your responsibility to use secure passwords and take the precautions needed to prevent unauthorized access.

Duplicate Accounts

3.8. You may register only one Account with the Service. Creating multiple accounts for the same person is prohibited. We reserve the right to terminate any duplicate accounts at our sole discretion, without prior notice and without liability to you.

Account Succession

3.9. If you die or become legally incapacitated, your Account will not be transferred to any third party. Once we receive verified documentation of your death or incapacity (such as a death certificate or a court order), we reserve the right to terminate your Account and cancel any active subscriptions. No refunds will be issued for any unused portion of a subscription. To notify us of such circumstances, please contact us at [email protected].

4. Use of the Service

Ownership and Intellectual Property

4.1. The Service, including its software, content, logos, trademarks, and any related materials, remains the exclusive property of the Company or its licensors. Accessing or using the Service does not give you ownership of any intellectual property rights beyond those expressly stated in these Terms. You may not copy, modify, distribute, sell, or reverse-engineer any part of the Service unless expressly permitted.

License to Use the Service

4.2. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes. This license allows you to install and use the App on your personal mobile device, but it does not permit sublicensing, resale, modification, or unauthorized use. Any breach of these Terms may lead to the immediate suspension or termination of your access to the Service.

User-Generated Content

4.3. The Service may allow you to submit, upload, or share text, images, messages, feedback, and other materials ("User Content"). By submitting User Content, you grant the Company, its sublicensees, successors, and assigns a royalty-free, perpetual, irrevocable, sublicensable, assignable, worldwide license to use, reproduce, modify, adapt, translate, publish, distribute, publicly display, and create derivative works from that content in any form, media, or technology, whether now known or developed later. This license includes the right to incorporate User Content into other works and services, including marketing, analytics, and operational improvements. However, it expressly excludes any personal data as defined under applicable privacy laws, which will be handled in accordance with the Company's Privacy Policy.

User Reviews and Testimonials

4.4. By submitting, posting, or otherwise providing any review, rating, comment, testimonial, or other feedback ("Review") about the Service on any platform — including, but not limited to, the Apple App Store and other mobile application marketplaces, websites, social media platforms, or directly to the Company — you grant the Company and its affiliates a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable, and transferable right to use, reproduce, modify, adapt, publish, translate, distribute, publicly perform, publicly display, and create derivative works from such Reviews for any lawful purpose, including, but not limited to, marketing, advertising, promotional activities, product development, and customer engagement, in any media now known or developed later, without further notice, attribution, or compensation to you.

4.5. You acknowledge and agree that:

• the Company has no obligation to use, display, or keep any Review and may remove or edit Reviews at its discretion;
• the Company may use Reviews together with your publicly displayed username, profile picture, or other identifying information (if available), unless you ask in writing to remain anonymous;
• the Company is not responsible for the content of Reviews posted by users and does not endorse any opinions expressed in them; and
• if you want a Review you submitted to be removed, you may contact the Company at [email protected].

User Responsibilities and Rights

4.6. You keep ownership of any User Content you submit, subject to the license you grant to the Company. By submitting User Content, you represent and warrant that you own it or hold all the rights and permissions needed to grant the license above. You confirm that your content does not infringe any third party's intellectual property, privacy, or contractual rights, and that any third-party rights in the User Content, including moral rights, have been lawfully waived or granted to you. The Company and its successors may use the User Content without compensating you.

4.7. Once submitted, User Content may remain accessible even after you remove it. If you want to revoke the license you granted for specific User Content, you may contact [email protected]. However, any use of the content made before that will not be affected. The Company is not responsible for storing or keeping copies of removed User Content and is not liable for any loss caused by its removal.

Content Moderation and Restrictions

4.8. The Company does not actively monitor User Content, but it reserves the right to review, edit, remove, or restrict content at its discretion. This applies in particular to content that contains offensive, illegal, defamatory, or misleading material; infringes third-party intellectual property, privacy, or contractual rights; promotes harm, violence, harassment, or illegal activity; or disrupts the functionality, security, or reputation of the Service. The Company assumes no liability for the accuracy or legality of User Content submitted by others.

Intellectual Property Infringement Reports

4.9. If you believe that content available through the Service infringes your intellectual property rights, please notify us at [email protected] and include the following:

• a description of the intellectual property right you claim has been infringed;
• a description of the content you claim is infringing and where it is located within the Service;
• your contact details, including your name, address, telephone number, and email address;
• a statement that you believe in good faith that the disputed use is not authorized by the intellectual property owner, its agent, or the law; and
• a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the intellectual property owner or are authorized to act on the owner's behalf.

4.10. We reserve the right to remove or disable access to content that is alleged to infringe third-party intellectual property rights. Repeated infringement of third-party intellectual property rights may lead to the termination of a user's Account.

Prohibited Conduct

4.11. You agree not to use the Service to distribute illegal, deceptive, or harmful content; to impersonate another person or misrepresent your affiliation; to reverse-engineer, extract, or manipulate any part of the Service; or to interfere with the security, availability, or integrity of the Service. Breaching these Terms may lead to the immediate suspension or termination of your account, as well as legal consequences.

Service Availability and Modifications

4.12. The Company reserves the right to modify, suspend, or discontinue any part of the Service at any time without liability. Some features may not be available in every region or on every device. If a modification affects your use of the Service, you may cancel your subscription or delete your account.

4.13. To use the Product, you need a smartphone running a clean, up-to-date, and officially supported version of the iOS operating system.

4.14. Please also make sure you use the latest version of your web browser when accessing the Website. This helps prevent security problems and ensures that all Website features work for you.

Risks and Disclaimer of Liability

4.15. You use the Service at your own risk. The Company does not guarantee the accuracy, reliability, or fitness of any content it provides. We are not responsible for loss of data, device malfunctions, or technical failures; for any reliance on recommendations within the Service; or for personal injury, financial loss, or any legal claims arising from your use of the Service.

Authorized Agent and Data Sharing Disclaimer

4.16. To carry out your opt-out and deletion requests, the Company must send your personal information (including, but not limited to, your name, email addresses, phone numbers, and physical addresses) to third-party data brokers and aggregators ("Data Brokers"). This is a technical necessity, required solely to instruct them to remove you from their public databases.

4.17. You acknowledge and agree that:

• you grant Notch Limited a Limited Power of Attorney to act as your Authorized Agent to submit these requests, sign digital opt-out documents, and create verification accounts in your name where Data Brokers require it; and
• the Company cannot control how these third-party Data Brokers will treat or process your personal information once they receive it, although it is provided to them strictly for deletion purposes.

Unintended Consequences of Data Removal

4.18. You acknowledge and agree that successfully removing your personal information from Data Broker websites may have unintended consequences. These may include, but are not limited to, making it much harder for legitimate third parties (such as distant relatives, employers, or old acquaintances) to find or contact you, or affecting automated identity verification processes used by financial or official institutions. You agree that the Company will not be liable for any such direct, indirect, or incidental consequences that result from carrying out removal services.

Customer Support

4.19. Customer support is provided at the Company's discretion. Although we may help users, we have no obligation to provide support or to respond to inquiries. If you need assistance, contact [email protected], and we will respond as soon as reasonably possible.

5. Third-Party Services, Materials, and Advertising

5.1. The Service may integrate, give access to, or display content from third-party services, websites, software, advertisements, and other materials ("Third-Party Services" and "Third-Party Materials"). This includes external links, embedded content, and user-generated materials contributed by third parties. Even though these features may be accessible through the Service, the Company does not control, and is not responsible for, the content, functionality, or policies of any Third-Party Services.

No Endorsement or Responsibility

5.2. By using the Service, you acknowledge that the Company does not endorse, verify, or take responsibility for the accuracy, legality, quality, or reliability of any Third-Party Services or Third-Party Materials. Some of this content may be objectionable, offensive, or misleading, and the Company is not liable for any exposure to it. Any interactions, transactions, or agreements you enter into with third parties through the Service are solely between you and the relevant third party. The Company bears no responsibility for any disputes, losses, or problems that may arise from them.

Third-Party Links and Advertising

5.3. The Service may include advertisements, sponsored content, or links to third-party websites that the Company does not own or control. Clicking on third-party links or engaging with external services does not create any endorsement, affiliation, or sponsorship between the Company and the third party. Any engagement with such content is at your own risk. You are responsible for reviewing and complying with the terms, policies, and privacy practices of third-party services before you use them. The Company disclaims any liability for how third parties collect, process, or use your data.

No Liability for Third-Party Content

5.4. The Company does not monitor, evaluate, or guarantee the accuracy, completeness, or legality of Third-Party Materials. To the fullest extent permitted by law, the Company makes no express or implied warranties about third-party content and disclaims all liability for any loss, damage, or harm caused by your reliance on or use of it. Some third-party materials may be outdated, misleading, or otherwise unreliable, and you take full responsibility for any decisions you base on them.

Use of Third-Party Services at Your Own Risk

5.5. Accessing Third-Party Services through the Service is entirely voluntary. You assume all risks of interacting with third-party content, including possible malware, phishing scams, or deceptive practices. The Company is not responsible for any technical problems, disputes, or damages arising from your engagement with Third-Party Services. By using such services, you waive any claims against the Company related to your interactions with third-party content, advertisements, or external links.

5.6. If you come across harmful, misleading, or offensive third-party content while using the Service, you may report it to the Company. However, the Company has no obligation to investigate, remove, or act on third-party content unless the law requires it.

6. Subscription Fees and Payment

Subscription Options and Purchases

6.1. The Service offers subscription-based access to its features and content, which may be bought either directly from the Company through the Website ("Web Purchase") or through the App Store ("In-App Purchase"). All applicable subscription fees, billing terms, and durations (for example, weekly, monthly, quarterly, or annual) will be shown on the payment screen or at checkout before you authorize payment. Our pricing depends on a number of factors, including, but not limited to, region, bundle, and subscription length. Some limited features of the Service may be available free of charge, but full access requires a paid subscription.

6.2. You acknowledge that it is your responsibility to make sure you have only one active subscription at a time.

Purchases and Payment Processing

6.3. Once you complete the onboarding process on the Website or in the App, you will be shown the available subscription options, their prices and durations, and the accepted payment methods (for example, Mastercard, Visa, PayPal, Apple Pay, or Google Pay). By choosing a subscription and authorizing payment, you instruct the applicable payment processor or the App Store to charge your chosen payment method. Once the payment is confirmed, you will receive access to the Service.

6.4. For Web Purchases, payments are handled by third-party payment processors, whom you authorize to charge your chosen payment method. These processors carry out the transaction and notify us of successful payments. For In-App Purchases, payments are processed by the App Store, and its terms and policies govern the transaction.

Auto-Renewal and Subscription Continuity

6.5. All subscriptions renew automatically unless canceled. The renewal period matches the initial subscription term unless something different is disclosed at the time of purchase. To avoid renewal, you must cancel your subscription at least 24 hours before the renewal date.

6.6. By going ahead with a subscription, you acknowledge that charges will be applied periodically according to the billing cycle you selected. The renewal rate will not exceed the rate for the immediately preceding subscription period, excluding any promotional (introductory) or discounted pricing, unless we notify you of a rate change before your auto-renewal.

6.7. For Web Purchases, you must cancel through the account settings on the Website or by following the cancellation instructions provided at the time of purchase. For In-App Purchases, you must cancel through your App Store account settings. Deleting the App does not cancel your subscription.

Add-On Items and Additional Services

6.8. In addition to your subscription, you may be able to buy add-on items such as premium content, consultations, or supplementary features. These add-ons may be one-time purchases or recurring charges. Canceling your main subscription also cancels any associated recurring add-ons, but canceling an add-on on its own does not affect your main subscription.

Refunds

6.9. If you subscribed or started a free trial through the App Store, refund requests are handled directly by Apple. You can submit a request by following the instructions on the Apple Support page. App Store refunds are subject to Apple's policies.

6.10. If you subscribed or started a free trial through our website, please contact our support team at [email protected] for help.

6.11. When you make a Web Purchase, you acknowledge and agree that all payments for Web Purchases are non-refundable and non-exchangeable, except where applicable mandatory law requires otherwise or as expressly provided in our Money-Back Guarantee. Please review our Money-Back Guarantee Policy to understand when a refund may be available to you.

Right of Withdrawal for EU and UK Residents

6.12. If you are a resident of the European Union, you have the legal right to withdraw from a contract for the purchase of digital services within 14 days of your first purchase, without giving any reason and without incurring any additional costs. If you received access to a free trial, the withdrawal period ends 14 days after the start of your free trial rather than 14 days after the date of payment.

6.13. To exercise your right of withdrawal, you must tell us by email at [email protected] that you have decided to withdraw from the contract. You may use the model withdrawal form below, but you are not required to. Your withdrawal request will be treated as valid if you send it before the 14-day withdrawal period ends.

6.14. If you exercise your right of withdrawal, we will refund all payments received from you without undue delay, and in any case no later than 14 days after the date we receive your withdrawal notice. Refunds will be made using the same payment method as the original transaction, unless you have expressly agreed otherwise. You will not incur any fees as a result of the reimbursement.

6.15. If you have expressly consented to the immediate supply of the Service before the withdrawal period ends and acknowledged that you will lose your right of withdrawal, you will not be eligible for a refund for any digital content that has already been delivered. For digital services, you may be eligible for a proportional refund based on the part of the Service provided before your withdrawal request. Where this applies, we will send you confirmation of your prior express consent and acknowledgment on a durable medium.

Model Withdrawal Form

6.16. You may use the following form:

To: Notch Limited (Privable), email: [email protected]

Subject: Exercise of Right of Withdrawal

I hereby give notice that I withdraw from the contract for the purchase of the following service:

Service Name:
Date of Purchase / Free Trial Start:
Full Name:
Email Address:
Payment Method Used:
Date of Request:
(Signature required if submitted by post)

Chargebacks and Payment Disputes

6.17. If you want a refund of a payment made with a reimbursable method, such as a credit or debit card, we strongly encourage you to contact us first at [email protected] before starting a chargeback with your payment provider. This gives us the chance to review your request and try to resolve the issue directly. If a chargeback or dispute has already been opened with your bank or payment provider, we may be unable to process a refund while the case is under review. The dispute process usually takes 15 to 30 days, depending on your bank or payment provider. Once the case is closed and its status is updated in our system, we will be able to review your refund request.

6.18. Refunds, where applicable, are not processed in real time. If we confirm that a refund has been issued, please allow at least 15 business days for it to appear in your account. You acknowledge that you are not entitled to multiple refunds for the same transaction, and you agree that if you request a refund directly from us, you will not open a separate refund request or chargeback through your payment provider unless we have denied your request. If you receive duplicate refunds because of separate refund requests, we reserve the right to work with your payment provider to reverse one of them.

6.19. Starting a chargeback or reversing a payment through your bank or payment provider may lead to the immediate termination of your account at our sole discretion, since it indicates that you have decided you no longer wish to use our Service. If a chargeback is resolved in our favor, you may contact [email protected] to discuss reinstating your account.

6.20. As described in our Privacy Policy, your personally identifiable information may be shared with our payment processor to help respond to chargeback requests.

6.21. If you start a chargeback or payment dispute, we may suspend or terminate your access to the Service. Fraudulent or improper chargebacks may result in a permanent ban from the Service and possible legal action.

Free Trials and Promotional Offers

6.22. We may offer free trials that give temporary access to the Service. The length and terms of the trial will be shown at sign-up. If you do not cancel before the trial ends, your subscription will automatically convert into a paid subscription and the applicable fee will be charged.

6.23. We do not guarantee that you will receive reminders before a trial ends. It is your responsibility to keep track of the trial period and to cancel if you do not want to continue. The Company reserves the right to change, withdraw, or restrict trial eligibility at any time.

6.24. From time to time we may also offer discounts that automatically renew at the full, undiscounted price once the discount period ends. However, we are under no obligation to offer such trials or discounts and do not guarantee that they will be available.

6.25. At our sole discretion, we may apply promotional pricing, discounts, coupons, or other reductions to the subscription fee for any user or billing period. Such reductions may be individual, time-limited, and subject to additional terms; they do not oblige us to offer the same to you or to others; and, unless expressly stated otherwise, they will not apply retroactively or lead to refunds of earlier charges.

Promotional Codes

6.26. We may give you gift cards or promotional codes that can be redeemed for additional features, enhancements, functionality, content, or services within a specified Service and for a limited period, subject to eligibility requirements (the "Promotional Codes"). Promotional Codes have no cash value, are personal, non-transferable, and non-sublicensable, and we have no obligation to provide any compensation in connection with a Promotional Code.

Changes to Subscription Fees

6.27. To the maximum extent permitted by applicable law, we may change subscription fees at any time. Where applicable law requires notice, we will tell you about pricing changes in the manner and within the timeframe the law requires. Where no specific timeframe is set, we will give notice by posting the updated prices in the App, sending an email, or using other prominent means of communication. The new pricing will take effect as stated in the notice.

6.28. If you do not agree with the updated fees, you may cancel your subscription before the new pricing takes effect or choose not to prepay for continued access to the Service.

Failure to Pay and Service Termination

6.29. If a payment is declined or not received on time, we may ask you to update your payment method. If the issue is not resolved, however, we reserve the right to suspend or terminate your access to the Service without further notice. Any content, data, or personalized settings linked to your account may be lost, and we are not responsible for restoring them.

7. User Representations and Restrictions

7.1. By accessing or using the Service, you confirm that:

• you have the legal capacity to enter into and comply with these Terms;
• you are at least 18 years old and legally allowed to use the Service;
• you will not access the Service through automated or non-human means, including bots, scripts, or similar methods;
• you will not use the Service for any unlawful, fraudulent, or unauthorized purpose;
• you are not located in a country that is subject to a U.S. government embargo or that has been designated as a terrorist-supporting country;
• you are not named on any U.S. government list of prohibited or restricted persons; and
• your use of the Service complies with all applicable laws and regulations.

7.2. If any information you provide is false, misleading, out of date, or incomplete, we reserve the right to refuse or terminate your current or future access to the Service.

Permitted Use of the Service

7.3. The Service is provided for its intended purposes only. You may not use it for any unauthorized, commercial, or competitive activity unless we have expressly approved it.

Prohibited Conduct

7.4. When using the Service, you agree not to:

• collect, scrape, or systematically retrieve data or other content from the Service to build a database, compilation, or directory without our express permission;
• use the Service for any unauthorized purpose, including modifying, adapting, improving, or creating derivative works from it;
• use the Service for commercial or revenue-generating purposes unless we have explicitly approved it;
• make the Service available over a network that lets multiple devices or users access it at the same time, unless permitted;
• develop, launch, or use the Service to create a competing product, service, or software;
• use any of our proprietary information, intellectual property, or interfaces to develop, license, or distribute applications, accessories, or other related products;
• circumvent, disable, or interfere with the security features of the Service;
• frame, embed, or link to the Service without authorization;
• interfere with or disrupt the Service or the networks or servers connected to it, or place an undue burden on our infrastructure;
• decompile, disassemble, reverse-engineer, or otherwise try to access the source code of any part of the Service;
• bypass, or try to bypass, access restrictions or security measures built into the Service;
• upload, transmit, or distribute malware, viruses, worms, trojans, or other harmful software that could damage the Service or other people's devices;
• use, launch, or distribute any automated system (for example, bots, spiders, scrapers, or cheat utilities) to access or interact with the Service;
• send unsolicited commercial emails or engage in spam-related activity;
• engage in any activity that may harm, tarnish, or damage the reputation of the Company or the Service; or
• use the Service in breach of any applicable law or regulation.

Respectful Conduct Towards Customer Support

7.5. We expect every user to deal with our customer support team respectfully and professionally. If at any time your communication or behavior is considered harassing, abusive, threatening, or offensive, we reserve the right to terminate your account immediately.

8. Disclaimer of Warranties

General Disclaimers

8.1. EXCEPT TO THE EXTENT PROHIBITED BY LAW OR OTHERWISE INAPPLICABLE, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOU USE THE SERVICE AT YOUR OWN RISK. THE SERVICE, AND ANY PRODUCTS OR CONTENT PROVIDED THROUGH IT, ARE MADE AVAILABLE "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OR GUARANTEES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

8.2. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY AND RELIABILITY OF CONTENT OR DATA.

8.3. IN PARTICULAR, WE DO NOT WARRANT THAT:

• THE SERVICE WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS;
• THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF TECHNICAL ISSUES;
• THE RESULTS YOU OBTAIN FROM USING THE SERVICE WILL BE ACCURATE, RELIABLE, OR ERROR-FREE;
• THE QUALITY OF ANY CONTENT, FEATURES, OR SERVICES WILL MEET YOUR EXPECTATIONS; OR
• ANY DEFECTS OR ERRORS WILL BE CORRECTED PROMPTLY, OR AT ALL.

8.4. ANY MATERIAL, DATA, OR INFORMATION OBTAINED THROUGH THE SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND RISK. YOU ALONE ARE RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR LOSS OF DATA RESULTING FROM YOUR USE OF THE SERVICE.

8.5. WE DO NOT GUARANTEE OR PROMISE ANY PARTICULAR RESULTS FROM USING THE SERVICE. BY USING THE SERVICE, YOU ACCEPT THE INHERENT RISKS OF SERVICE INTERRUPTIONS, TECHNICAL FAILURES, AND POSSIBLE DATA LOSS.

Cybersecurity and Identity Theft Limitations

8.6. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT NO CYBERSECURITY SERVICE, APP, BROWSER EXTENSION, OR SYSTEM CAN PREVENT EVERY INSTANCE OF IDENTITY THEFT, DATA BREACH, SCAM, OR FRAUDULENT TRANSACTION, AND THAT NONE CAN EFFECTIVELY MONITOR ALL TRANSACTIONS ACROSS ALL CHANNELS OR ACROSS THE ENTIRE INTERNET. ALERTS PROVIDED THROUGH THE SERVICE ARE NOT GUARANTEED TO BE REAL-TIME OR ABSOLUTELY IMMEDIATE, AND THEY MAY BE DELAYED BY TECHNICAL LIMITATIONS, THIRD-PARTY DATA REFRESH RATES, OR NETWORK ISSUES. TO THE EXTENT ANY COMPONENT OF THE SERVICE INCLUDES INSURANCE COVERAGE OR REIMBURSEMENT GUARANTEES, THAT INSURANCE IS UNDERWRITTEN BY A LICENSED THIRD-PARTY CARRIER, AND THE COMPANY ACTS ONLY AS A FACILITATOR; THE COMPANY IS NOT AN INSURER AND DISCLAIMS ALL LIABILITY ARISING FROM THE PROCESSING, DENIAL, OR ADJUDICATION OF ANY INSURANCE CLAIM.

No Professional, Financial, or Legal Advice

8.7. ANY INFORMATION OR STATEMENTS AVAILABLE THROUGH THE SERVICE, INCLUDING OUR DIGITAL SAFETY LESSONS, ARE FOR GENERAL INFORMATIONAL PURPOSES ONLY. THEY ARE NOT INTENDED TO REPLACE OR SUBSTITUTE FOR PROFESSIONAL FINANCIAL, LEGAL, OR OTHER SPECIALIZED ADVICE.

8.8. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT ANY INFORMATION PROVIDED THROUGH THE SERVICE IS RELIABLE, COMPLETE, OR SUITABLE FOR YOUR PARTICULAR NEEDS. YOU ACKNOWLEDGE THAT YOU ALONE ARE RESPONSIBLE FOR ANY DECISIONS YOU MAKE BASED ON INFORMATION PROVIDED THROUGH THE SERVICE, AND THAT IF YOU NEED PROFESSIONAL ADVICE, YOU SHOULD CONSULT A QUALIFIED SPECIALIST.

8.9. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY EXPRESSLY DISCLAIMS ANY LIABILITY FOR YOUR RELIANCE ON ANY STATEMENTS, RECOMMENDATIONS, OR CONTENT PROVIDED THROUGH THE SERVICE.

Accuracy of Content

8.10. THE COMPANY ACCEPTS NO LIABILITY FOR INACCURACIES, ERRORS, OR OMISSIONS IN ANY CONTENT, INFORMATION, OR MATERIALS AVAILABLE THROUGH THE SERVICE. WE ENCOURAGE YOU TO VERIFY ANY INFORMATION PROVIDED THROUGH THE SERVICE INDEPENDENTLY BEFORE RELYING ON IT. THE QUALITY, ACCURACY, AND COMPLETENESS OF CONTENT ARE NOT GUARANTEED AND MAY CHANGE WITHOUT NOTICE.

Individual Results and Testimonials

8.11. WE MAKE NO GUARANTEES ABOUT THE LEVEL OF SUCCESS YOU MAY ACHIEVE BY USING THE SERVICE, AND YOU ACCEPT THE RISK THAT RESULTS WILL DIFFER FROM PERSON TO PERSON. ANY TESTIMONIALS, SUCCESS STORIES, OR EXAMPLES THAT MAY BE PROVIDED THROUGH THE SERVICE REPRESENT EXCEPTIONAL RESULTS THAT DO NOT APPLY TO THE AVERAGE USER AND ARE NOT INTENDED TO REPRESENT OR GUARANTEE THAT ANY USER WILL ACHIEVE THE SAME OR SIMILAR RESULTS. PAST RESULTS DESCRIBED ON THE SERVICE DO NOT NECESSARILY INDICATE FUTURE OUTCOMES. THE COMPANY CANNOT GUARANTEE YOUR FUTURE RESULTS AND EXPRESSLY DISCLAIMS ANY LIABILITY FOR SUCCESS OR FAILURE DIRECTLY OR INDIRECTLY RELATED TO YOUR USE OF THE SERVICE. IN ADDITION, ANY TESTIMONIALS ON THE WEBSITE OR WITHIN THE SERVICE REFLECT EXPERIENCES PERSONAL TO THOSE PARTICULAR USERS AND MAY NOT BE REPRESENTATIVE OF ALL USERS OF OUR PRODUCTS AND/OR SERVICES. WE DO NOT CLAIM, AND YOU SHOULD NOT ASSUME, THAT ALL USERS WILL HAVE THE SAME EXPERIENCE. YOUR INDIVIDUAL RESULTS MAY VARY.

Personalization

8.12. THE SERVICE MAY OFFER PERSONALIZED RECOMMENDATIONS, PLANS, OR CONTENT BASED ON INFORMATION YOU PROVIDE DURING REGISTRATION OR ONBOARDING. ALTHOUGH WE MAKE REASONABLE EFFORTS TO TAILOR THE SERVICE TO YOUR INDIVIDUAL NEEDS, WE DO NOT GUARANTEE THAT SUCH PERSONALIZED CONTENT IS DESIGNED UNIQUELY FOR YOU OR THAT IT TAKES INTO ACCOUNT ALL THE INFORMATION YOU HAVE PROVIDED. PERSONALIZED RECOMMENDATIONS ARE NOT INTENDED TO REPLACE PROFESSIONAL ADVICE AND SHOULD BE USED AT YOUR OWN DISCRETION.

Fluctuation of Data Broker Practices

8.13. You acknowledge that Privable's data removal capabilities depend entirely on the current opt-out procedures, technical structures, and business practices of the targeted third-party websites, all of which may change without notice. The Service does not, and cannot, guarantee that all of your personal information will be removed from the entire internet. Removal services are provided on an "as is" and "as available" basis, and the Company's performance is limited to making good-faith, commercially reasonable efforts to submit and track opt-out requests.

Service Modifications and Updates

8.14. We reserve the right to update, modify, or discontinue any part of the Service, including its features, content, and availability, at any time, with or without notice. This includes changes to:

• the information provided on our website, browser extension, and mobile applications;
• the availability or functionality of any feature of the Service; and
• the pricing, structure, or terms of use of the Service.

8.15. We are not responsible for any loss or inconvenience caused by modifications, suspensions, or discontinuations of any part of the Service.

Consumer Protection and Non-Waivable Rights

8.16. Nothing in these Terms excludes or limits any consumer rights that cannot be waived under applicable law. If the laws of your country of residence give you statutory rights, those rights are not affected by these disclaimers.

9. Limitation of Liability

9.1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE (INCLUDING OUR AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS) SHALL NOT BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, OR ANY OTHER LOSSES ARISING FROM YOUR USE OF, OR INABILITY TO USE, THE SERVICE, PRODUCTS, OR ANY THIRD-PARTY ADS, EVEN IF WE HAVE BEEN ADVISED THAT SUCH DAMAGES WERE POSSIBLE.

9.2. YOUR ACCESS TO AND USE OF THE SERVICE (INCLUDING THE APP, THE BROWSER EXTENSION, CONTENT, AND USER CONTENT) AND OF THIRD-PARTY ADS IS AT YOUR OWN RISK. YOU AGREE THAT YOU ALONE ARE RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE, LOSS OF DATA, OR OTHER HARM RESULTING FROM YOUR USE OF THE SERVICE.

Limitation of Aggregate Liability

9.3. DESPITE ANYTHING TO THE CONTRARY IN THESE TERMS, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, PRODUCTS, OR CONTENT SHALL BE LIMITED TO THE TOTAL AMOUNT YOU PAID US FOR ACCESS TO THE SERVICE DURING THE TWELVE (12) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM OR, IF GREATER, ONE HUNDRED EURO (€100).

9.4. THESE LIMITATIONS OF LIABILITY ARE A FUNDAMENTAL BASIS OF THE AGREEMENT BETWEEN YOU AND THE COMPANY. WITHOUT THEM, WE WOULD NOT BE ABLE TO OFFER THE SERVICE ON THE SAME TERMS.

Waiver of Unknown Claims (California Residents)

9.5. IF YOU ARE A RESIDENT OF CALIFORNIA, YOU EXPRESSLY WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES:

"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."

9.6. BY ACCEPTING THESE TERMS, YOU RECOGNIZE AND AGREE THAT YOU MAY BE WAIVING RIGHTS IN RESPECT OF CLAIMS THAT ARE CURRENTLY UNKNOWN OR UNSUSPECTED.

Jurisdiction-Specific Exceptions

9.7. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OR EXCLUSIONS OF LIABILITY, INCLUDING FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IF ANY PART OF THESE LIMITATIONS IS FOUND UNENFORCEABLE UNDER APPLICABLE LAW, THE REMAINING LIMITATIONS WILL STILL APPLY TO THE MAXIMUM EXTENT PERMITTED.

9.8. IF ANY REMEDY SET OUT IN THESE TERMS IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE, ALL REMAINING LIMITATIONS OF LIABILITY WILL STILL APPLY. ADDITIONAL CONSUMER RIGHTS MAY APPLY DEPENDING ON WHERE YOU LIVE.

10. Indemnification

10.1. You agree to defend, indemnify, and hold harmless the Company and its affiliates, parent companies, officers, employees, agents, partners, licensors, contractors, successors, and assigns (each, an "Indemnitee") from and against any losses, damages, liabilities, claims, demands, judgments, settlements, penalties, fines, costs, and expenses of any kind — including, but not limited to, reasonable attorneys' fees and professional fees — arising directly or indirectly from:

• User Content, including any claim that such content infringes third-party rights or breaches applicable law;
• your breach of these Terms, whether by you or by anyone using your account or device;
• your access to or use of the Service, including any actions taken on the platform;
• your breach of any applicable law, regulation, or third-party right, including intellectual property, privacy, or proprietary rights; and
• any claim relating to property damage, personal injury, bodily harm, or death resulting from your use of the Service in breach of these Terms.

10.2. The Company reserves the right to take full control of the defense, negotiation, and settlement of any claim for which you must indemnify us. You agree to cooperate fully with our defense and acknowledge that we have sole discretion to choose legal counsel and strategy in such matters. You may not settle any claim that imposes liability or obligations on the Company without our prior written consent.

11. International Use

11.1. The Company makes no representation that the Service is accessible, appropriate, or legally available for use in your jurisdiction, and accessing or using the Service from territories where doing so would be illegal is prohibited. You access the Service on your own initiative and are responsible for complying with local laws.

11.2. You represent and warrant that you are not located in, and are not a national or resident of, any country or territory subject to comprehensive sanctions or trade restrictions imposed by the United States, the United Kingdom, the European Union, the United Nations, or any other applicable governmental authority, including, but not limited to, Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine. You also represent that you are not named on any sanctions list or register of prohibited or restricted persons maintained by those authorities, including the U.S. Office of Foreign Assets Control (OFAC), the EU consolidated list, or the UN Security Council Consolidated List.

11.3. We reserve the right, at our sole discretion and without prior notice, to restrict or terminate access to the Service for any user located in or associated with a restricted territory or named on any applicable sanctions list. You acknowledge that complying with applicable sanctions laws is solely your responsibility.

12. Informal Dispute Resolution Procedures

12.1. PLEASE READ THIS PROVISION CAREFULLY SO THAT YOU UNDERSTAND IT — THIS SECTION CONTROLS HOW DISPUTES BETWEEN YOU AND THE COMPANY WILL BE HANDLED.

12.2. BY AGREEING TO THIS PROVISION, YOU ARE WAIVING YOUR RIGHT TO TAKE PART IN A CLASS ACTION LAWSUIT AND YOUR RIGHT TO A JURY TRIAL.

12.3. YOU ARE ALSO AGREEING TO RESOLVE ALL DISPUTES BETWEEN YOU AND THE COMPANY THROUGH BINDING ARBITRATION, UNLESS YOU EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS DESCRIBED BELOW.

12.4. You and Notch Limited ("we" or the "Company") agree to resolve all Disputes (including any related disputes involving the Company, its subsidiaries, or its affiliates) through binding arbitration, as described below, except for: (i) claims within the jurisdiction of a small claims court, provided they are not class action disputes and also meet that court's jurisdictional and monetary limits; and (ii) disputes relating to intellectual property rights. A "Dispute" means any claim, controversy, or legal action — whether it arises from past, present, or future events, and whether it is based on contract, tort, statute, or common law — between you and the Company concerning the Website, the Services, or this agreement (the "Arbitration Agreement"). "Dispute" also covers disputes about the interpretation, applicability, or enforceability of these terms or about the formation of this Arbitration Agreement, including whether any part of it is invalid or unenforceable.

Mandatory Pre-Filing Notice Procedure

12.5. You and we agree that good-faith, informal efforts to resolve disputes often lead to a faster and cheaper outcome. So, if you intend to bring a claim for any Dispute (as defined above) against the Company, you must first send the Company a written notice of the Dispute ("Notice") that gives the Company some basic information about you and the Dispute. Any Notice must include: (i) your name, address, and email address; (ii) a detailed description of your Dispute; (iii) any relevant facts about your use of the Website and Service (including your account ID, profile screenshots, and anything else that will help us identify your account); (iv) a detailed description of the relief you are seeking, including a calculation of any money damages you claim; and (v) a statement personally signed by you (and not by your attorney) confirming that the information in the Notice is accurate. The Notice must be individualized, meaning it may concern only your dispute and no one else's. If you are completing a Notice for another person, you must include all of the information described above, together with a statement describing your relationship to that person and explaining why they are unable to complete the Notice themselves.

12.6. You must send the Notice to the Company at the following address:

Notch Limited
Attention: Legal
Unit 4, 27 Calder Yard, London EC2A 3LH, United Kingdom

12.7. If we need to send you a Notice, we will send it to the contact information we have for you, which may include, where applicable, the contact information associated with your account.

12.8. After we receive a Notice, you and we agree to make good-faith efforts to resolve the Dispute through informal negotiation for a period of 60 days. The 60-day period may be extended if you and we agree that an extension is likely to lead to a resolution. As part of the informal negotiation process, you and we agree that we will both attend at least one individualized video conference ("Video Conference"). The Video Conference may take place via Zoom, Microsoft Teams, WhatsApp, or any similar platform that you and we agree on and can both access. If necessary, the Video Conference may be held after the 60-day period. If an attorney represents you in your Dispute, your attorney may take part in the Video Conference, but you must still attend and participate in good faith. The Company must also take part in the Video Conference by sending one or more representatives, and it may also send one or more of its attorneys. If you cannot join the Video Conference by video, you may attend by telephone if you certify in writing that circumstances prevent you from appearing by video (such as not having access to a phone with a working camera or being unable to connect to a stable internet connection). You and we agree that we (and our attorneys, if represented) will work together to schedule the Video Conference at the earliest mutually convenient time after we receive a Notice. You and we also agree to use our best efforts to resolve the Dispute at the Video Conference. If you and we cannot resolve the issues raised in the Notice within 60 days after the completed Notice is received (or any longer period agreed), either you or we may start an arbitration proceeding or a small claims court proceeding.

12.9. Compliance with these Informal Dispute Resolution Procedures is mandatory, and the Pre-Filing Notice procedures (including the Video Conference requirement) are a condition precedent to starting any arbitration or small claims court action. Failing to follow these procedures is a breach of this Arbitration Agreement.

12.10. The Mandatory Pre-Filing Notice procedures are essential so that you and the Company have a real opportunity to resolve Disputes cheaply and efficiently. Unless applicable law prohibits it, the arbitration provider shall not accept or administer any demand for arbitration unless the party bringing it certifies in writing that the Mandatory Pre-Filing Notice procedures (including the Video Conference requirement) have been fully satisfied. If the party bringing the demand for arbitration does not include a written certification that the Pre-Filing Notice procedures (including the Video Conference) were met, the arbitration forum shall administratively close the demand, and no fees shall be due from the responding party. A court of competent jurisdiction shall have the authority to enforce this provision and to enjoin any arbitration proceeding or small claims court action accordingly.

12.11. All offers, promises, conduct, and statements made during the Mandatory Pre-Filing Notice process by any party or its agents, employees, and attorneys are confidential and are not admissible for any purpose in any later proceeding (except as needed to certify in writing that the Mandatory Pre-Filing Notice procedures were completed before a demand for arbitration was submitted). Evidence that is otherwise admissible or discoverable does not become inadmissible or non-discoverable because of this section.

Small Claims Court

12.12. Subject to applicable jurisdictional requirements and the Mandatory Pre-Filing Notice requirements described above, you or the Company may choose to pursue a Dispute in a local small claims court instead of through arbitration, as long as the matter stays in small claims court and proceeds only on an individual basis. If one party has already submitted an arbitration demand, the other party may, at its sole discretion, tell the arbitral forum that it wants the Dispute heard in small claims court. At that point, the arbitral forum will administratively close the arbitration, and the Dispute will be heard in the appropriate small claims court, with no fees due from the arbitration respondent.

What Is Arbitration?

12.13. Arbitration is a less formal way of resolving our disagreements than a lawsuit in court. For example, arbitration uses a neutral arbitrator instead of a judge or jury, involves more limited discovery, and is subject to very limited review by the courts. Even though the process is less formal, arbitrators can award some of the same individual damages and relief that a court can. An arbitrator cannot, however, order a party to do or stop doing something — this is known as "equitable relief." Either you or we may go to court to seek equitable relief, including by filing a motion to compel the other party to follow this Arbitration Agreement. However, you and we agree that the only courts in which we will seek equitable relief are the state and federal courts in Delaware. This exception for equitable relief does not waive this Arbitration Agreement. You and we agree that the U.S. Federal Arbitration Act and federal arbitration law govern the interpretation and enforcement of this provision. A court of competent jurisdiction has exclusive authority to resolve any dispute about the interpretation, applicability, or enforceability of this binding arbitration agreement. This arbitration provision survives termination of these terms and termination of your account.

Class Action and Jury Trial Waiver

12.14. TO THE FULLEST EXTENT ALLOWED BY LAW, YOU AND THE COMPANY WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO LITIGATE DISPUTES IN COURT IN FAVOR OF ARBITRATION (EXCEPT FOR SMALL CLAIMS COURT AS DESCRIBED ABOVE). YOU AND THE COMPANY EACH WAIVE THE RIGHT TO FILE OR PARTICIPATE IN A CLASS ACTION LAWSUIT AGAINST THE OTHER, INCLUDING ANY CURRENTLY PENDING ACTIONS AGAINST THE COMPANY. TO THE FULLEST EXTENT ALLOWED BY LAW, THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE LITIGATED IN COURT ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED BASIS.

12.15. EXCEPT FOR THE MASS FILING PROCEDURES DESCRIBED BELOW, YOU AND WE AGREE THAT:

• THE ARBITRATOR MAY AWARD FINAL RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE THE FINAL RELIEF WARRANTED BY THAT INDIVIDUAL PARTY'S CLAIM;
• THE ARBITRATOR MAY NOT AWARD FINAL RELIEF FOR, AGAINST, OR ON BEHALF OF ANYONE WHO IS NOT A PARTY TO THE ARBITRATION ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS; AND
• IF A COURT DECIDES THAT ANY OF THE PROHIBITIONS IN THIS PARAGRAPH ARE UNENFORCEABLE FOR A PARTICULAR CLAIM OR REQUEST FOR RELIEF, AND ALL APPEALS OF THAT DECISION ARE AFFIRMED AND THE DECISION BECOMES FINAL, YOU AND THE COMPANY AGREE THAT THE PARTICULAR CLAIM OR REQUEST FOR RELIEF SHALL PROCEED IN COURT BUT SHALL BE STAYED PENDING INDIVIDUAL ARBITRATION OF THE REMAINING CLAIMS FOR RELIEF THAT YOU HAVE BROUGHT. IF THIS SPECIFIC PARAGRAPH IS FOUND UNENFORCEABLE, THE ENTIRE ARBITRATION PROVISION (EXCEPT FOR THE JURY TRIAL WAIVER AND THE INFORMAL DISPUTE RESOLUTION PROCEDURE) SHALL BE NULL AND VOID.

Arbitration Procedure

12.16. The arbitration will be governed by the applicable rules of National Arbitration & Mediation ("NAM") (including the Comprehensive Dispute Resolution Rules and Procedures and the Supplemental Rules for Mass Arbitration Filings, as applicable) (the "NAM Rules"), as modified by this Arbitration Agreement, and will be administered by NAM. The NAM Rules are available online at www.namadr.com or on written request to the Notice address listed above. You can obtain a form to start arbitration with NAM at https://www.namadr.com/content/uploads/2024/03/Comprehensive-Demand-for-Arb-revised-3.21.2024.pdf or by contacting NAM.

12.17. If NAM is unavailable or unwilling to administer the arbitration, the parties shall select another arbitration provider that will do so or, if the parties cannot agree on an alternative administrator, the court shall select one under 9 U.S.C. § 5.

12.18. You and we agree that the party starting arbitration must include with any demand for arbitration a written certification that it has complied with and completed the Mandatory Pre-Filing Notice and Informal Dispute Resolution Procedures requirements. The demand for arbitration and the certification must be personally signed by the party starting arbitration (and by their attorney, if represented).

12.19. The arbitration will be conducted in English. A single independent and impartial arbitrator will be appointed remotely under the NAM Rules, as modified here. You and the Company agree to follow these rules, which are intended to streamline the dispute resolution process and reduce the costs and burdens on the parties: (i) the arbitration will be conducted online and/or based solely on written submissions, the specific method to be chosen by the party starting the arbitration; (ii) the arbitration will not require any personal appearance by the parties or witnesses unless the parties agree otherwise in writing or the arbitrator decides that a formal hearing is necessary; and (iii) judgment on the arbitrator's award may be entered in any court of competent jurisdiction.

12.20. If an in-person hearing is required and you live in the United States, the hearing will take place in Delaware, unless the arbitrator decides that this would cause you hardship, in which case the in-person hearing may be held in the claimant's state and county of residence. If you live outside the United States, the location of any in-person hearing will be determined under the NAM Rules.

12.21. The arbitrator's award will be in writing and will include a statement of the reasons for the disposition of each claim. The arbitrator will apply the laws of England and Wales in conducting the arbitration. You acknowledge that these terms and your use of the Service evidence a transaction involving interstate commerce. The United States Federal Arbitration Act will govern the interpretation, enforcement, and proceedings.

12.22. The Arbitrator is bound by, and shall follow, this Arbitration Agreement. If the NAM Rules conflict with this Arbitration Agreement, this Arbitration Agreement shall control. If the Arbitrator decides that strictly applying any term of this Arbitration Agreement would result in a fundamentally unfair arbitration, the Arbitrator shall have the authority to modify that term to the extent necessary to ensure a fundamentally fair arbitration that is consistent with the efficient and inexpensive resolution of Disputes.

12.23. Unless you and the Company agree otherwise, the arbitration will be conducted virtually by video or teleconference.

Decision of the Arbitrator

12.24. Barring extraordinary circumstances, the arbitrator will issue a decision within 120 days of being appointed. The arbitrator may extend this time limit by an additional 30 days in the interests of justice. All arbitration proceedings will be closed to the public and confidential, and all related records will be permanently sealed, except as necessary to obtain court confirmation of the arbitration award. The arbitrator's award will be in writing and will include a statement of the reasons for the disposition of each claim.

12.25. The arbitration award is binding only between you and the Company and will have no preclusive effect in any other arbitration or proceeding involving a different party.

Fees

12.26. Payment of arbitration fees (the fees charged by the arbitration administrator, including filing, arbitrator, and hearing fees) will be governed by the applicable NAM Rules, unless you qualify for a fee waiver under applicable law. If, after all potentially available fee waivers have been exhausted, the arbitrator finds that the arbitration fees would be prohibitive for you compared with litigation, we will pay as much of your filing, arbitrator, and hearing fees as the arbitrator considers necessary to prevent the arbitration from being cost-prohibitive, whatever the outcome of the arbitration, unless the arbitrator decides that your claim(s) were frivolous, brought for an improper purpose, or asserted in bad faith.

12.27. You and we agree that arbitration should be cost-effective for all parties and that any party may work with NAM to seek a reduction or deferral of fees.

Confidentiality

12.28. At your request or ours, the Arbitrator will issue an order requiring that confidential information of either party disclosed during the arbitration (whether in documents or orally) may not be used or disclosed except in connection with the arbitration or a proceeding to enforce the arbitration award, and that any permitted court filing of confidential information must be made under seal.

Settlement Offers and Offers of Judgment

12.29. At least ten (10) calendar days before the date set for the arbitration hearing, you or the Company may serve a written offer of judgment on the other party, allowing judgment on specified terms. If the offer is accepted, the offer and proof of acceptance shall be submitted to the arbitration provider, which shall enter judgment accordingly. If the offer is not accepted before the arbitration hearing or within thirty (30) calendar days after it is made, whichever comes first, it shall be treated as withdrawn and may not be offered as evidence in the arbitration. If one party's offer is not accepted by the other party, and the other party does not obtain a more favorable award, the other party shall not recover its post-offer costs and shall pay the offering party's costs from the time of the offer (which, solely for the purposes of offers of judgment, may include reasonable attorneys' fees to the extent recoverable by statute, in an amount not exceeding the damages awarded).

12.30. The parties agree that any disputes about settlement offer(s) or offer(s) of judgment in a Mass Filing are to be resolved by a single arbitrator to the extent such offers contain the same material terms. In arbitrations involving represented parties, the represented parties' attorneys agree to communicate individual settlement offer(s) or offer(s) of judgment to each and every arbitration claimant or respondent to whom such offers are made.

Additional Procedures for Mass Arbitration Filings

12.31. The following provisions set out additional procedures that apply to mass arbitration filings. If ten (10) or more similar claims are brought against the Company by the same or coordinated attorneys, or are otherwise coordinated, consistent with the definition and criteria of "Mass Filings" in the NAM Rules, you and we understand and agree that these additional procedures shall apply and that the resolution of your dispute may be delayed. You and we agree that, throughout this process, our attorneys shall meet and confer to discuss changes to these procedures based on the particular needs of the Mass Filing. You and we agree to make all reasonable efforts to maximize the integrity and efficiency of arbitration in resolving Disputes between us, particularly those involving Mass Filings, and further commit to acting in good faith to follow the procedures set out in this section. The parties also agree that these Mass Filing procedures have been reasonably designed to produce an efficient and fair adjudication of claims.

12.32. Bellwether Arbitrations for Mass Filings. Courts and arbitration administrators encourage bellwether proceedings where there are multiple disputes involving similar claims against the same or related parties. The parties shall select ten individual arbitration claims (five per side), designated as the "Initial Test Cases," to proceed to arbitration. Only the Initial Test Cases shall be filed with the arbitrator. All other claims shall be held in abeyance. This means that filing fees will be paid only for the Initial Test Cases; for all other demands for arbitration in a Mass Filing, the filing fees (together with any consideration of the other demands by an arbitrator) will be held in abeyance, and neither you nor the Company will be required to pay any such filing fees. You and the Company also agree that neither of us shall be treated as being in breach of this Arbitration Agreement for failing to pay any such filing fees, and that neither of us shall be entitled to any contractual, statutory, or other remedies, damages, or sanctions of any kind for failure to pay them. If, under this subsection, a party files non-Bellwether Arbitrations with the arbitration provider, the parties agree that the arbitration provider shall hold those demands in abeyance and not refer them to an arbitrator until the Initial Test Cases are resolved. Unless the claims are resolved in advance or the schedule is extended, the arbitrators will issue a final award in the Initial Test Cases within 120 days of the initial pre-hearing conference.

12.33. Global Mediation in Mass Filings. Once the Initial Test Cases are resolved, the parties agree to take part in a global mediation of all the remaining individual arbitration claims that make up the Mass Filing ("Global Mediation"), deferring any filing costs associated with the non-Initial Test Cases until the Initial Test Cases and the subsequent Global Mediation have concluded. After the final awards in the Initial Test Cases are provided to the mediator, the mediator and the parties shall have 90 days to agree on a substantive methodology and make an offer to resolve the outstanding cases. If the parties cannot resolve the outstanding claims during the Global Mediation, they may choose to opt out of the arbitration process and proceed in court with the remaining claims. Notice of the opt-out shall be given in writing within 60 days of the close of the Global Mediation. Absent notice of an opt-out, the arbitrations may then be filed with and administered by the arbitration provider. You and we also acknowledge that any applicable statute of limitations shall be tolled while the global mediation process is pending.

12.34. Severability. If any part of this Mass Arbitration provision is declared invalid, void, or unenforceable, that part is severable from the Arbitration Agreement and shall not affect the validity and enforceability of the remaining provisions.

Opting Out of This Arbitration Agreement

12.35. Existing Users. Users who previously agreed to arbitrate may reject this updated Arbitration Agreement by following the opt-out method below, but they will remain bound by the most recent prior version of the Arbitration Agreement and will otherwise be bound by these terms. Previous or existing users who do not opt out of this updated Arbitration Agreement will be bound by it, and it shall apply to all disputes between those users and the Company, including disputes that arose (but were not actually filed in arbitration) before the effective date of these terms. Arbitration demands that were actually filed with an arbitration provider before the effective date of this Arbitration Agreement, and in compliance with a prior version of it, are subject to the terms of that prior version.

12.36. New Users. Users who create an account with the Company for the first time on or after September 28, 2026 may opt out of this Arbitration Agreement.

12.37. Method and Impact of Opting Out. Subject to the above, you may opt out of this Arbitration Agreement by sending written notice of your decision to opt out to [email protected] (1) within 31 days after the Arbitration Agreement became effective, as shown by the "Last Updated" date of the terms, or (2) within 31 days after you first use the Services. Your notice must include:

• your name;
• your username (if any);
• the email address and/or phone number you used to set up your account (if you have one); and
• a clear and unequivocal statement that you want to opt out of this Arbitration Agreement.

12.38. If you opt out of this Arbitration Agreement, all other parts of the terms and any other agreements between you and the Company will continue to apply to you. Opting out of this Arbitration Agreement does not affect any other arbitration agreements you may currently have, or may enter into in the future, with us.

12.39. Arbitration Agreement Survival. This Arbitration Agreement will survive the end of your relationship with the Company, including any withdrawal of consent or other step you take to end your participation in the Service or any communication with the Company.

12.40. Severability. If any part of this Arbitration Agreement is found to be void, invalid, or otherwise unenforceable, that part shall be treated as severable and, where possible, replaced by a valid, enforceable provision, or part of one, that reflects the intent of the original provision as closely as possible. The rest of this Arbitration Agreement shall remain enforceable and valid in accordance with its terms.

13. Governing Law and Jurisdiction

13.1. The laws of England and Wales, excluding their conflict of law rules, govern these Terms and your use of the Service.

13.2. Your use of the Service may also be subject to other local, state, national, or international laws. To the extent any action relating to a dispute under these Terms is brought in a court of law, it will be subject to the exclusive jurisdiction of the state and federal courts located in Delaware, and you irrevocably submit to the personal jurisdiction of those courts and waive any defense of inconvenient forum.

14. EEA or UK Residents

14.1. Nothing in these Terms deprives you of the consumer protection rights granted by the mandatory laws of your country of residence.

14.2. If you have a complaint, please contact us at [email protected]. If you feel your complaint has not been adequately addressed, you may — but are not required to — submit it to an alternative dispute resolution (ADR) body in your country. A list of EU-approved ADR bodies is publicly available. Other than as set out in these Terms or as required by law, the Company does not participate in any alternative dispute resolution scheme.

14.3. If a dispute arises under these Terms, you may bring legal proceedings before the competent courts of your place of habitual residence in the EEA or UK, and those courts shall have exclusive jurisdiction over the dispute. The Company shall also bring any disputes before the courts of your country of habitual residence.

14.4. These Terms, the Service, and any dispute between you and the Company are governed by the laws of England and Wales, excluding their conflict of law provisions.

15. California Residents

15.1. If you are a California resident, under Cal. Civ. Code § 1789.3 you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by writing to them at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by calling (800) 952-5210.

16. Limitation on Claims Period

16.1. You agree that, regardless of any statute or law to the contrary or any applicable dispute resolution process, any claim or cause of action arising out of or relating to the use of the Service or these Terms must be filed within one (1) year after the claim or cause of action first arose. If it is not, the claim will be permanently barred.

16.2. The provisions of this section, titled "Limitation on Claims Period," form a separate legally binding agreement between you and the Company.

17. Miscellaneous Provisions

17.1. No failure or delay by the Company in exercising any of its rights under these Terms shall operate as a waiver of those rights, and no partial exercise of any right shall prevent further enforcement of that or any other right under these Terms. A waiver of any provision shall not be treated as a waiver of any later breach or default.

17.2. If any provision of these Terms is found to be invalid, illegal, or unenforceable, the rest of these Terms shall remain in full force and effect. The invalid or unenforceable provision shall be modified or replaced to the extent needed to make it valid and enforceable while preserving the parties' intent as fully as the law permits.

17.3. These Terms are the entire agreement between you and the Company on their subject matter and supersede all prior agreements, understandings, and representations, whether written or oral. No modification or amendment to these Terms shall be binding unless it is made in writing and agreed by both parties.

17.4. The Company may assign or transfer its rights and obligations under these Terms to any other entity, including by way of merger, acquisition, corporate restructuring, or novation. By continuing to use the Service, you consent to any such transfer or assignment, and you agree that posting on the Service a version of these Terms that names another person as a party shall constitute valid notice. You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent.

17.5. The Company uses third-party providers to support various operational and technical functions, including, but not limited to, payment processing, customer support, security enhancements, and data management. By using the Service, you acknowledge and agree that these third-party service providers may help deliver the Service and improve its functionality.

17.6. The Company shall not be liable for any failure or delay in complying with these Terms where it is caused by circumstances beyond its reasonable control, including, but not limited to, force majeure events, legal or regulatory changes, cyberattacks, or unforeseen operational disruptions.

17.7. All provisions of these Terms that by their nature should survive termination — including, but not limited to, provisions on ownership and intellectual property, disclaimers of warranties, limitations of liability, indemnification, and dispute resolution — shall survive termination.

17.8. All communications between you and the Company, including notices, disclosures, and agreements, shall take place electronically. You acknowledge that electronic communications, including emails, platform notifications, and digital agreements, carry the same legal weight as written documents and form a legally binding contract. By clicking buttons labeled "SUBMIT," "CONTINUE," "REGISTER," "I AGREE," "BUY WITH GOOGLE PAY," "BUY WITH APPLE PAY," "I ACCEPT," "BUY," "PAY," "ADD TO YOUR PLAN," or similar links or buttons, you confirm your intention to be legally bound by these Terms and acknowledge that your electronic submission is a valid electronic signature.

Telephone and SMS Communications

17.9. By entering your telephone number on our Service, you expressly agree to receive communications at that number, as needed for the purposes described above, from us, our agents, representatives, affiliates, or business partners, by email, SMS or text message, phone call, and push notification. You further expressly agree that these communications, including phone calls and SMS or text messages, may be generated using automated technology, such as an automatic telephone dialing system or an artificial or prerecorded voice, even if your telephone number(s) appear on any Do-Not-Call list.

17.10. Communications from us, including our agents, representatives, affiliates, or business partners, may include, but are not limited to: operational communications about your account or use of the Service, including account verification and message notifications; updates about new and existing features of the Service; marketing information and promotions run by us, our agents, representatives, affiliates, or business partners; any news about the Service; and any other purposes related to the Service or required to enforce these Terms. By accepting these Terms, you agree to receive special offers, promotional materials, and other communications.

17.11. We will use your mobile number in accordance with our Privacy Policy. You represent that, for each telephone number you have given us, you are the current subscriber or customary user and have the authority to give the consent described above to be contacted at that number. You agree to let us know promptly whenever you stop using a particular telephone number. Standard charges may apply to receiving these calls or text messages, and you are responsible for those charges.

17.12. You acknowledge that you are not required to consent to receive promotional texts or calls as a condition of using the Service or the services provided by other entities. Please note that consent is not a condition of using our Service and may be withdrawn at any time. Opting out may, however, affect your use of the Service.

17.13. We may monitor or record telephone conversations we have with you or with anyone acting on your behalf, whether you call us or we call you. We will use the results of such monitoring and recording in accordance with our Privacy Policy.

Contact Information

17.14. For general inquiries, support, legal matters, or privacy-related questions, you can contact us at [email protected].

17.15. To make sure you receive our communications, please add our support email address to your contacts and mark it as a "safe" or "approved" sender. Please note that if our email is filtered as spam, junk, or bulk mail and does not appear in your inbox, this does not affect the validity or deemed receipt of any notice sent to you.

17.16. By continuing to use the Service, you acknowledge that you have read, understood, and agreed to these Terms in full.

18. Notice Regarding Apple

18.1. If you access the Service through the Apple Inc. ("Apple") App Store or use the Service on an iOS device, you acknowledge that you have read and understood, and agree to, the following:

• Acknowledgment. These Terms are between you and the Company only, not Apple. Apple is not responsible for the Service or its content.
• Scope of License. The license granted to you is personal, limited, non-exclusive, and non-transferable, and allows you to install and use the Service only on iOS devices that you own or control, strictly for personal, non-commercial purposes and subject to Apple's App Store Terms of Service.
• Maintenance and Support. The Company alone is responsible for providing any maintenance or support services for the Service, as required by these Terms or applicable law. Apple has no obligation to provide maintenance or support for the Service.
• Warranty Disclaimer. The Company alone is responsible for any warranties, whether express or implied, to the extent they are not effectively disclaimed. If the Service fails to conform to an applicable warranty, you may notify Apple, and Apple will refund your purchase price. To the maximum extent permitted by law, Apple has no other warranty obligations regarding the Service.
• Claims and Liability. The Company, not Apple, is solely responsible for addressing any claims relating to: (i) product liability; (ii) failure to conform to legal or regulatory requirements; and (iii) consumer protection or similar claims relating to the Service or your use of it.
• Intellectual Property Rights. If a third party claims that the Service, or your use of it, infringes their intellectual property rights, the Company (not Apple) is responsible for handling that claim, including its investigation, defense, settlement, or resolution.
• Third-Party Terms of Agreement. Your use of the Service must comply with any applicable third-party agreements that may be affected by your use of the Service.
• Legal Compliance. By using the Service, you represent and warrant that: (a) you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist-supporting" country; and (b) you are not named on any U.S. Government list of prohibited or restricted parties.
• Third-Party Beneficiaries. Apple and its subsidiaries are third-party beneficiaries of these Terms. By accepting these Terms, you acknowledge that Apple has the right to enforce them against you.
• Contact Information. For any questions, complaints, or claims relating to the Service, please contact us at [email protected].
• Family Sharing. The Company expressly allows the Service to be used by multiple users through Family Sharing or any similar functionality provided by Apple.