RippleMatch Terms of Service
Please read these Terms of Service (collectively with RippleMatch’s Privacy Policy https://ripplematch.com/privacy and
DMCA Copyright Policy https://ripplematch.com/dmca, the “Terms of Service”) fully and carefully before using
https://ripplematch.com/ (the “Site”) and the services, features, content or applications offered by RippleMatch Inc. (“we”,“us” or “our”) from time to time (together with the Site, the “Services”). These Terms of Service set forth the legallybinding terms and conditions for your use of the Site and the Services.
1.

Acceptance of Terms of Service.
a. By registering for and/or using the Services in any manner, including but not limited to visiting or browsing theSite, you agree to these Terms of Service and all other operating rules, policies and procedures that may be
published from time to time on the Site by us, each of which is incorporated by reference and each of which may
be updated from time to time without notice to you.
b. Certain of the Services may be subject to additional terms and conditions specified by us from time to time; youruse of such Services is subject to those additional terms and conditions, which are incorporated into these Terms ofService by this reference.
c. These Terms of Service apply to all users of the Services, including, without limitation, users who are contributorsof content, information, and other materials or services, registered or otherwise.
d. ARBITRATION NOTICE AND CLASS ACTION WAIVER: EXCEPT FOR CERTAIN TYPES OF DISPUTESDESCRIBED IN SECTION 11 BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL
BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO
PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

2.

Eligibility. You represent and warrant that you are at least 13 years of age. If you are under age 13, you may not, under
any circumstances or for any reason, use the Services. We may, in our sole discretion, refuse to offer the Services toany person or entity and change its eligibility criteria at any time. You are solely responsible for ensuring that theseTerms of Service are in compliance with all laws, rules and regulations applicable to you and the right to access theServices is revoked where these Terms of Service or use of the Services is prohibited or to the extent offering, sale orprovision of the Services conflicts with any applicable law, rule or regulation. Further, the Services are offered only foryour use, and not for the use or benefit of any third party.

3.

Registration. The Services enable you to register for an account on the Site (an “Account”). You must provide
accurate and complete information and keep your Account information updated. You shall not: (i) select or use as ausername a name of another person with the intent to impersonate that person; (ii) use as a username a name subject toany rights of a person other than you without appropriate authorization; or (iii) use, as a username, a name that isotherwise offensive, vulgar or obscene. You are solely responsible for the activity that occurs on your Account, and forkeeping your Account password secure. You may never use another person’s user account or registration information
for the Services without permission. You must notify us immediately of any change in your eligibility to use theServices (including any changes to or revocation of any licenses from state authorities), breach of security or
unauthorized use of your Account. You should never publish, distribute or post login information for your Account.
You shall have the ability to delete your Account, either directly or through a request made to one of our employees oraffiliates.

4.

Content.
a.

Definition. For purposes of these Terms of Service, the term “Content” includes, without limitation, resumes,
curricula vitae, biographies, and any other information, data, text, photographs, videos, audio clips, written posts
and comments, software, scripts, graphics, and interactive features generated, provided, or otherwise madeaccessible on or through the Services. For the purposes of this Agreement, “Content” also includes all User
Content (as defined below).

b.

User Content. All Content added, created, uploaded, submitted, distributed, or posted to the Services by users(collectively “User Content”), whether publicly posted or privately transmitted, is the sole responsibility of theperson who originated such User Content. You represent that all User Content provided by you is accurate,complete, up-to-date, and in compliance with all applicable laws, rules and regulations. You acknowledge that allContent, including User Content, accessed by you using the Services is at your own risk and you will be solely
responsible for any damage or loss to you or any other party resulting therefrom. We do not guarantee that any
Content you access on or through the Services is or will continue to be accurate.

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Notices and Restrictions. The Services may contain Content specifically provided by us, our partners or our users
and such Content is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary
rights and laws. You shall abide by and maintain all copyright notices, information, and restrictions contained in
any Content accessed through the Services.

d.

Use License. Subject to these Terms of Service, we grant each user of the Services a worldwide, non-exclusive,
non-sublicensable and non-transferable license to use Content solely for purposes of using the Services. Use,
reproduction, modification, distribution or storage of any Content for other than purposes of using the Services isexpressly prohibited without prior written permission from us. You shall not sell, license, rent, or otherwise use or
exploit any Content for commercial use or in any way that violates any third party right.

e.

License Grant. By submitting User Content through the Services, you hereby do and shall grant us a worldwide,
non-exclusive, perpetual, royalty-free, fully paid, sublicensable and transferable license to use, edit, modify,
truncate, aggregate, reproduce, distribute, prepare derivative works of, display, perform, and otherwise fully
exploit the User Content in connection with the Site, the Services and our (and our successors’ and assigns’)
businesses, including without limitation for promoting and redistributing part or all of the Site or the Services (andderivative works thereof) in any media formats and through any media channels (including, without limitation,
third party websites and feeds), and including after your termination of your Account or the Services. You also
hereby do and shall grant each user of the Site and/or the Services a non-exclusive, perpetual license to accessyour User Content through the Site and/or the Services, and to use, edit, modify, reproduce, distribute, prepare
derivative works of, display and perform such User Content, including after your termination of your Account or
the Services. For clarity, the foregoing license grants to us and our users does not affect your other ownership or
license rights in your User Content, including the right to grant additional licenses to your User Content, unlessotherwise agreed in writing. You represent and warrant that you have all rights to grant such licenses to us without
infringement or violation of any third party rights, including without limitation, any privacy rights, publicity rights,
copyrights, trademarks, contract rights, or any other intellectual property or proprietary rights.

f.

5.

Availability of Content. We do not guarantee that any Content will be made available on the Site or through theServices. We reserve the right to, but do not have any obligation to, (i) remove, edit or modify any Content in oursole discretion, at any time, without notice to you and for any reason (including, but not limited to, upon receipt ofclaims or allegations from third parties or authorities relating to such Content or if we are concerned that you may
have violated these Terms of Service), or for no reason at all and (ii) to remove or block any Content from theServices.
Rules of Conduct.
a. As a condition of use, you promise not to use the Services for any purpose that is prohibited by these Terms ofService. You are responsible for all of your activity in connection with the Services.
b. You shall not (and shall not permit any third party to) either (a) take any action or (b) upload, download, post,
submit or otherwise distribute or facilitate distribution of any Content on or through the Services, including
without limitation any User Content, that:i. infringes any patent, trademark, trade secret, copyright, right of publicity or other right of any other person orentity or violates any law or contractual duty (see our DMCA Copyright Policy[https://ripplematch.com/dmca]);
ii. you know is false, misleading, untruthful or inaccurate;iii. is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another's
privacy, tortious, obscene, vulgar, pornographic, offensive, profane, contains or depicts nudity, contains ordepicts sexual activity, or is otherwise inappropriate as determined by us in our sole discretion;
iv. constitutes unauthorized or unsolicited advertising, junk or bulk e-mail (“spamming”);
v. contains software viruses or any other computer codes, files, or programs that are designed or intended todisrupt, damage, limit or interfere with the proper function of any software, hardware, or telecommunications
equipment or to damage or obtain unauthorized access to any system, data, password or other information ofours or of any third party;
vi. impersonates any person or entity, including any of our employees or representatives; orvii. includes anyone’s identification documents or sensitive financial information.
c. You shall not: (i) take any action that imposes or may impose (as determined by us in our sole discretion) an
unreasonable or disproportionately large load on our (or our third party providers’) infrastructure; (ii) interfere or
attempt to interfere with the proper working of the Services or any activities conducted on the Services; (iii)
bypass, circumvent or attempt to bypass or circumvent any measures we may use to prevent or restrict access to

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d.

e.

the Services (or other accounts, computer systems or networks connected to the Services); (iv) run any form of
auto-responder or “spam” on the Services; (v) use manual or automated software, devices, or other processes to“crawl” or “spider” any page of the Site; (vi) harvest or scrape any Content from the Services; or (vii) otherwise
take any action in violation of our guidelines and policies.
You shall not (directly or indirectly): (i) decipher, decompile, disassemble, reverse engineer or otherwise attempt
to derive any source code or underlying ideas or algorithms of any part of the Services (including without
limitation any application), except to the limited extent applicable laws specifically prohibit such restriction, (ii)modify, translate, or otherwise create derivative works of any part of the Services, or (iii) copy, rent, lease,
distribute, or otherwise transfer any of the rights that you receive hereunder. You shall abide by all applicable
local, state, national and international laws and regulations.
We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary
to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce these Terms ofService, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud,
security or technical issues, (iv) respond to user support requests, or (v) protect the rights, property or safety of us,
our users and the public.

6.

Third Party Services. The Services may permit you to link to other websites, services or resources on the Internet, andother websites, services or resources may contain links to the Services. When you access third party resources on theInternet, you do so at your own risk. These other resources are not under our control, and you acknowledge that we are
not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of suchwebsites or resources. The inclusion of any such link does not imply our endorsement or any association between us
and their operators. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly,
for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any suchcontent, goods or services available on or through any such website or resource.

7.

Termination. We may terminate your access to all or any part of the Services at any time, with or without cause, withor without notice, effective immediately, which may result in the forfeiture and destruction of all information
associated with your Account. If you wish to terminate your Account, you may do so by following the instructions on
the Site. All provisions of these Terms of Service which by their nature should survive termination shall survive,
including without limitation, licenses of User Content, ownership provisions, warranty disclaimers, indemnity andlimitations of liability.

8.

Warranty Disclaimer.
a. We have no special relationship with or fiduciary duty to you. You acknowledge that we have no duty to take any
action regarding which users gain access to the Services; what Content you access via the Services; or how you
may interpret or use Content.
b. You release us from all liability for you having acquired or not acquired Content through the Services. We makeno representations concerning any Content contained in or accessed through the Services, and we will not be
responsible or liable for the accuracy, copyright compliance, or legality of material or Content contained in oraccessed through the Services.
c. THE SERVICES AND CONTENT ARE PROVIDED “AS IS”, “AS AVAILABLE” AND WITHOUTWARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE
IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCEOR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. WE, AND OUR AFFILIATES,DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, PARTNERS AND CONTENT PROVIDERS DO NOTWARRANT THAT: (I) THE SERVICES WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME
OR LOCATION; (II) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (III) THE SERVICES,INCLUDING BUT NOT LIMITED TO ANY USER CONTENT, ARE FREE OF VIRUSES OR OTHER
HARMFUL COMPONENTS; OR (IV) THE RESULTS OF USING OUR PRODUCTS OR SERVICES WILLMEET YOUR REQUIREMENTS.

9.

Indemnification. You shall defend, indemnify, and hold harmless us, our affiliates and each of our and their respective
employees, contractors, directors, officers, suppliers and representatives from all liabilities, claims, and expenses,
including reasonable attorneys’ fees, that arise from or relate to your use or misuse of, or access to, the Services,
Content, or otherwise from your User Content, violation of these Terms of Service or infringement by you or any third
party using your Account or identity in the Services, of any intellectual property or other right of any person or entity.

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We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification byyou, in which event you will assist and cooperate with us in asserting any available defenses.
10. Limitation of Liability. IN NO EVENT SHALL WE, NOR OUR DIRECTORS, EMPLOYEES, AGENTS,
PARTNERS, SUPPLIERS OR CONTENT PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICTLIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THESERVICES (I) FOR ANY LOST PROFITS, DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS
OR SERVICES, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, COMPENSATORY OR
CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (HOWEVER ARISING), (II) FOR ANY BUGS,VIRUSES, TROJAN HORSES, OR THE LIKE (REGARDLESS OF THE SOURCE OF ORIGINATION), OR (III)FOR ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) $500.00.
11. ARBITRATION CLAUSE AND CLASS ACTION WAIVER – IMPORTANT – PLEASE REVIEW AS THISAFFECTS YOUR LEGAL RIGHTS:
a.

ARBITRATION; CLASS ACTION WAIVER. YOU AGREE THAT ALL DISPUTES BETWEEN YOU AND
US OR OUR OFFICERS, DIRECTORS OR EMPLOYEES IN THEIR CAPACITY AS SUCH (WHETHER ORNOT SUCH DISPUTE INVOLVES A THIRD PARTY) WITH REGARD TO YOUR RELATIONSHIP WITH
US, INCLUDING WITHOUT LIMITATION DISPUTES RELATED TO THESE TERMS OF SERVICE, YOURUSE OF THE SERVICES, AND/OR RIGHTS OF PRIVACY AND/OR PUBLICITY, WILL BE RESOLVEDBY BINDING, INDIVIDUAL ARBITRATION IN ACCORDANCE WITH THE STREAMLINED
ARBITRATION RULES AND PROCEDURES OF JAMS, INC. THEN IN EFFECT, AND YOU AND WE
HEREBY EXPRESSLY WAIVE TRIAL BY JURY; PROVIDED, HOWEVER, THAT TO THE EXTENTTHAT YOU HAVE IN ANY MANNER VIOLATED OR THREATENED TO VIOLATE OURINTELLECTUAL PROPERTY RIGHTS, WE MAY SEEK INJUNCTIVE OR OTHER APPROPRIATE RELIEF
IN ANY STATE OR FEDERAL COURT IN THE STATE OF NEW YORK. DISCOVERY AND RIGHTS TO
APPEAL IN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHERRIGHTS THAT YOU AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION.
AS AN ALTERNATIVE, YOU MAY BRING YOUR CLAIM IN YOUR LOCAL “SMALL CLAIMS” COURT,IF PERMITTED BY THAT SMALL CLAIMS COURT'S RULES AND IF WITHIN SUCH COURT’SJURISDICTION, UNLESS SUCH ACTION IS TRANSFERRED, REMOVED OR APPEALED TO A
DIFFERENT COURT. YOU MAY BRING CLAIMS ONLY ON YOUR OWN BEHALF. NEITHER YOU NOR
WE WILL PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION FOR ANY CLAIMSCOVERED BY THIS AGREEMENT TO ARBITRATE. YOU ARE GIVING UP YOUR RIGHT TO
PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU
MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANYCONSOLIDATION OF INDIVIDUAL ARBITRATIONS. You also agree not to participate in claims brought in a
private attorney general or representative capacity, or consolidated claims involving another person’s account, if
we are a party to the proceeding. This dispute resolution provision will be governed by the Federal Arbitration Act
and not by any state law concerning arbitration. In the event JAMS, Inc. is unwilling or unable to set a hearing
date within one hundred and sixty (160) days of filing the case, then either we or you can elect to have thearbitration administered instead by the American Arbitration Association. Judgment on the award rendered by thearbitrator may be entered in any court having competent jurisdiction. The arbitration shall be conducted in the
English language. Any provision of applicable law notwithstanding, the arbitrator will not have authority to award
damages, remedies or awards that conflict with these Terms of Service. You agree that regardless of any statute orlaw to the contrary, any claim or cause of action arising out of, related to or connected with the use of the Services
or these Terms of Service must be filed within one (1) year after such claim of action arose or be forever banned.

b.

30-Day Opt-Out Period. If you do not wish to be bound by the arbitration and class-action waiver provisions inthis Section 11, you must notify us in writing within 30 days of the date that you first accept these Terms ofService (unless a longer period is required by applicable law). Your written notification must be mailed to us at thefollowing address: RippleMatch Inc., 120 E. 23rd St., New York, NY 10010. If you do not notify us in accordancewith this Section 11(b), you agree to be bound by the arbitration and class-action waiver provisions of these Termsof Service, including such provisions in any Terms of Service revised after the date of your first acceptance. Such
notification must include: (i) your name; (ii) your email and mailing addresses and (iii) a statement that you do notwish to resolve disputes with us through arbitration. If we make any changes to the Arbitration and Class Action
Waiver section of these Terms of Service (other than a change to the address at which we will receive notices ofdispute, opt-out notices, or rejections of future changes to the Arbitration and Clause Action Waiver section), you

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may reject any such change by sending us written notice within 30 days of the change to the address set forth in
this Section 11(b). This notification affects these Terms of Service only; if you previously entered into otherarbitration agreements with us or enter into other such agreements in the future, your notification that you are
opting out of the arbitration provision in these Terms of Service shall not affect the other arbitration agreements
between you and us.
c.

Severability. If the prohibition against class actions and other claims brought on behalf of third parties contained
above is found to be unenforceable, then all of the preceding language in this Arbitration and Class Action Waiver
section will be null and void. This arbitration agreement will survive the termination of your relationship with us.

12. Governing Law and Jurisdiction. These Terms of Service shall be governed by and construed in accordance with thelaws of the State of New York, including its conflicts of law rules, and the United States of America. Subject to Section
11, you agree that any dispute arising from or relating to the subject matter of these Terms of Service shall be governedby the exclusive jurisdiction and venue of the state and Federal courts of New York County, New York.
13. Modification. We reserve the right, in our sole discretion, to modify or replace any of these Terms of Service, orchange, suspend, or discontinue the Services (including without limitation, the availability of any feature, database, orcontent) at any time by posting a notice on the Site or by sending you notice through the Services, via e-mail or byanother appropriate means of electronic communication. We may also impose limits on certain features and services or
restrict your access to parts or all of the Services without notice or liability. While we will timely provide notice ofmodifications, it is also your responsibility to check these Terms of Service periodically for changes. Your continued
use of the Services following notification of any changes to these Terms of Service constitutes acceptance of thosechanges, which will apply to your continued use of the Services going forward. Your use of the Services is subject to
the Terms of Service in effect at the time of such use.
14. Miscellaneous.
a.

Entire Agreement and Severability. These Terms of Service are the entire agreement between you and us withrespect to the Services, including use of the Site, and supersede all prior or contemporaneous communications andproposals (whether oral, written or electronic) between you and us with respect to the Services. If any provision ofthese Terms of Service is found to be unenforceable or invalid, that provision will be limited or eliminated to theminimum extent necessary so that these Terms of Service will otherwise remain in full force and effect andenforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemeda waiver of any further rights hereunderb.

Force Majeure. We shall not be liable for any failure to perform our obligations hereunder where such failure
results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic orcommunications failure or degradation.

c.

Assignment. These Terms of Service are personal to you, and are not assignable, transferable or sublicensable by
you except with our prior written consent. We may assign, transfer or delegate any of our rights and obligations
hereunder without consent.

d.

Agency. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms ofService and neither party has any authority of any kind to bind the other in any respect.

e.

Notices. Unless otherwise specified in these Term of Service, all notices under these Terms of Service will be inwriting and will be deemed to have been duly given when received, if personally delivered or sent by certified orregistered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or email; or the day after it is sent, if sent for next day delivery by recognized overnight delivery service. Electronic
notices should be sent to: info@ripplematch.com.

f.

No Waiver. Our failure to enforce any part of these Terms of Service shall not constitute a waiver of our right tolater enforce that or any other part of these Terms of Service. Waiver of compliance in any particular instance does
not mean that we will waive compliance in the future. In order for any waiver of compliance with these Terms ofService to be binding, we must provide you with written notice of such waiver through one of our authorized
representatives.

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g.

Headings. The section and paragraph headings in these Terms of Service are for convenience only and shall notaffect their interpretation.

Contact. You may contact us at the following address:
RippleMatch Inc.
120 E. 23rd St,
New York NY, 10010(212) 277-1310
Effective Date of Terms of Service: January 2019

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