用户协议与隐私政策

用户协议

更新日期：2020 年 7 月 18 日

请仔细阅读以下条款，这些条款包含了有关您合法权利和义务的重要信息。当您访问或使用MATTERS时，即表示您完全接受以下条款的约束。如果您不同意这些条款，可以选择不进入MATTERS。此中文条款为英文版本译本，如中、英文两个版本有任何抵触或不相符之处，请以后面的英文版本为准。

关于条款修改：

MATTERS 保留自行修改条款的权利。修改后，MATTERS将通过平台公布其修改，或以其它方式向您告知。如果您在MATTERS公佈修改后继续访问和使用MATTERS，则表示您同意接受修改后的条款。如果您不同意修改后的条款，您只能停止使用平台和服务。

1. 定义和解释

1.1 下列术语的定义以及解释的规则适用于本条款，除非另有定义：

(a) 帳戶是指MATTERS为其注册用户提供的帳戶，用于使用平台和服务；

(b) 关联公司，就MATTERS而言，目前是指（i）MATTERS的任何附属公司；（ii）MATTERS的任何子公司；（iii）MATTERS的任何控股公司；（iv）MATTERS的任何母公司；（v）MATTERS的任何集团公司；

(d) 内容是指文本、图形、图像、音频、视频、信息和其他材料；

(e) 内容标准是指任何用户在平台发布的任何内容的标准，详见本条款第5.5条；

(f) 知识产权是指与平台相关的所有版权和其他知识产权，无论其以何种形式呈现、为哪种媒体形式体现、是否已注册，包括但不限于专利、设计权、商标、服务商标、应用程序、前述任何一项的申请权利、数据库权利、专有技术、商业名称、机密信息权利、商誉以及世界范围内存在的其他类似的权利；

(g) 专有技术是指与平台和/或服务相关的所有技术、经验、数据、技术和商业信息，包括但不限于运营模式；

(h) MATTERS是指 MATTERS, INC.，一家基于美国特拉华州法律注册成立的私营有限公司；

(i) MATTERS库是指MATTERS用于记录和共享所有内容的可公开访问的分布式数据库；

(j) 在线课程是指由MATTERS组织、安排或以其他方式提供给平台上用户的在线课程；

(k) 密码指註册用户对其帐户和第三方货币帐户设置的所有此类（i）密码；（ii）为其储值钱包设置的个人密码；

(l) 平台是指MATTERS以网站、手机应用或其他形式向用户提供服务的平台；

(m) 隐私政策是指MATTERS的隐私政策，并由MATTERS不时更新；

(n) 私钥的定义请参照本条款第3.3条(ii)；

(o) 发布是指，就任何内容而言，在平台上或通过平台张贴内容，提交内容，发表内容，展示内容或转发加密货币（如适用）和/或内容给其他用户或其他人（包括对内容的评论），被发布的定义也应照此解释;

(p) 服务的定义请参照本条款第2.1条；

(q) 储值金额的定义请参照本条款第2.1条；

(r) 储值钱包是指MATTERS提供给其註册用户在MATTERS使用的数字钱包；

(s) 储值钱包密码是指註册用户为使用储值钱包而设置的个人密码；

(t) 税收是指任何适用司法管辖区的地方、市政、政府、州、联邦、或其他机构或当局施加的、征收的或强制执行的扣缴、关税、捐税、征税、社会保障费用以及地税等在所有情况下都具有课税性质的所有形式的税收，以及任何与之相关的利息、处罚、附加费或罚款；

(u) 条款是指由MATTERS不时修订、修改或以其他方式更新的条款和条件（包括隐私政策）；

(v) 第三方内容的定义请参照本条款第8.6条；

(w) 第三方货币是指用户可以在平台上存储，发送和/或接收的任何加密货币（始终由第三方操作，维护或以其他方式提供）

(x) 第三方货币帐户表示与相应的第三方货币相关联的任何此类帐户（始终由第三方运营，维护或以其他方式提供）。

(y) 用户内容是指由任何用户发布到平台的任何内容。

(z) 用户是指平台的任何用户，用户们也应照此解释；

1.2 提及个人、公司、托管、合作伙伴、非法人团体或其他实体，应被理解为包括他们中的任何一个。

1.3 提及单一性别的词语应被理解为包括所有性别，提及单一个人的词语应被理解为包括多数人，反之亦然，提及单数词的含义应被理解为包括复数词，反之亦然，提及整体应被理解为包括对其中任何部分的提及。

2. 服务

服务范围

2.1 MATTERS为用户提供访问平台的权限，该平台为其注册用户提供访问其帐户，其储值钱包和第三方货币帐户的权限，并使他们能够（i）通过MATTERS发布内容；（ii）访问用户内容；(iii) 提供在线课程；(iv) 参加在线课程（服务）。平台和服务的访问与使用均受本条款的约束。若您在使用平台和/或服务时未按照本条款的规定，将有可能被追究民事与刑事责任。

暂停、中止或终止服务

2.2 在法律允许的范围内，MATTERS保留暂时或永久更改、暂停或终止平台全部或者部分服务的权利，无需另行通知。对于此类暂时或永久性的更改、暂停或终止，将可能导致您无法访问保存在您帐户内但未被保存在分布式网络的内容，而MATTERS不需要对您或任何第三方承担责任。您需负责在平台之外存储与您帐户，储值钱包，第三方货币钱包和内容有关的信息。如果您不在平台之外备份这些信息，则可能在MATTERS修改或终止平台和服务时，您无法访问您的第三方货币钱包和/或与您的帐户关联的内容。

资格

2.3 本平台和/或服务面向的使用者年龄不得低于18岁。您必须年满18岁才能访问或使用平台和/或服务。

地理限制

2.4 MATTERS并未声明，平台或其任何内容在您所在的司法管辖范围以外的地区也是可访问的或合适的。有些人或者在有些国家访问本平台可能是不合法的。您确认您应承担责任并采取措施遵守您和任何适用司法管辖区中的所有本地法律。

3. 帳戶注册与帳戶安全

帳戶注册

3.1 要在平台上发布内容，您需要先同意本条款并提供相应的详细注册信息或其他信息，以创建您的帳戶。使用平台的前提条件为，您在平台上所提供的所有信息是正确、最新以及完整的。

3.2 除了本条款第3.9(c)和4.8条中提及的内容外，MATTERS目前不收取任何服务费用，但MATTERS保留将来收取费用的权利，如果要收取费用，在您使用任何收费服务前应向您清楚告知收费事宜。

3.3 在您完成註册后，MATTERS会为您自动生成：

(i) 通过您的帐户进入的储值钱包。您可以根据条款在储值钱包中进行储值，付款和提现；

(ii) MATTERS会为您生成一个与一对私钥（参见术语私钥）和公钥链接的加密货币钱包，这对私钥和公钥仅提供给您一人并且完全由您拥有。

3.4 您了解并同意您使用的储值钱包，第三方服务商提供的加密货币钱包，第三方货币帐户和第三方货币将受此类条款约束且第三方服务提供商可能不时会收取服务费用。

帳戶安全

3.5 您有责任维护帐戶、密码、第三方货币帐户和私钥各个方面的安全。您必须确保密码和私钥的安全。您接受并承认，如果您没有密码和/或密钥，您将无法访问与您帐戶相关联的储值钱包任何用户内容和加密货币（如适用）。您承认您的帐戶属于您个人，并且同意您不会向其他任何人提供访问平台所需要的用户名、密码、私钥或其他安全信息。您必须将这些信息严格保密，不得将其透露给其他任何人或实体。

3.6 您同意，当您发现帐户、储值钱包、第三方货币帐户被未经授权访问或使用，或者有其他安全问题时立即通知MATTERS。在此您同意，在适用法律允许的最大范围内，您对任何在您的帐户、密码、第三方货币帐户和私钥下發生的活动（包括与您帐户链接第三方货币及其帐户）负责，并接受任何授权的或未授权的对您帐户、储值钱包（包括储值金额）和第三方货币帐户和私钥的访问（包括与您帐户链接第三方货币及其帐户）可能带来的所有风险。

3.7 您理解并同意数字虚拟钱包和密码学是不断进步的领域。代码破解的进步或技术的进步（比如量子计算机）可能会对平台、服务和用户帐戶、储值钱包、第三方货币帐户造成风险，导致您的财产被盗或丢失。在使用平台和/或服务时，您承认并接受此类内在风险。

私钥的保管

3.8 MATTERS无法访问且不会接收或存储您的私钥，因此对任何和所有此类私钥的安全保存和/或管理不承担任何责任。

3.9 关于储值钱包中的储值和提现，您了解并同意：

(a) MATTERS可能会根据实际情况和适用法律，对储值钱包设置最小和最大的储值、支付和提现额度。如有此类设置，MATTERS会告知您。如有疑虑，您可以将储值钱包中的钱提出；

(b) MATTERS会通过第三方服务商来执行您对储值钱包的储值和提现管理。建议您仔细阅读第三方服务商的服务条款以了解他们对每次储值和提现操作的要求和需收取的费用。您同意（i）授权我们指定的第三方服务商根据这些条款提供您储值和提现的服务；（ii）储值和提现服务是由第三方服务商提供，不在MATTERS的控制和责任范围内；

(d) 您同意，MATTERS会认为从您帐户發出的有关储值钱包指令都是来自您的操作并且会根据这些指令采取行动。您还同意，如果未收到正确授权指令或发生任何其他违反安全性规定的情况，MATTERS和指定的第三方支付提供商有权不处理或延迟处理这样的指示。您同意豁免MATTERS对与因本条款引起的诉讼，索赔，损失，成本和费用的责任。

3.10 关于您对储值钱包的使用和义务，您理解并同意：

(a) 您不得以下列任何方式使用您的储值钱包：（i）违反本条款或违反任何适用法律（包括但不限于与反洗钱活动有关的任何法律和法规）；（ii）可能产生对MATTERS，其他用户或第三方的投诉，纠纷，索赔，处罚或其他责任; (iii）可能导致MATTERS违反或不遵守任何此类适用法律；（iv）可能损坏，或让平台的服务以及安全保障失效、承担过多负担，以及干扰其他用户；

(b) 您不得以任何方式篡改储值钱包（包括但不限于储值钱包中涉及的软件，应用程序，功能和数据）。如果您的储值钱包被篡改，MATTERS将不会接受任何交易或允许提现；

(d) 在适当情况下，当警方要调查涉嫌未经授权的使用，或者您的储值钱包被攻击或被篡改，或者当MATTERS在合理或适用法律要求的理由下怀疑有可疑行为或使用模式，您会与MATTERS合作。

3.11 关于您储值钱包中的储值金额，您理解并同意：

(a) 仅当您提供正确的储值钱包密码后，MATTERS才能处理您储值钱包中的付款或提取现金的指示；

(b) MATTERS在得到您的指示后会立即处理付款。因此，一旦MATTERS收到付款指示，您就无法取消或更改。无论什麽情况，平台上的储值和交易都是不可取消的，并且相关的储值也不可退款。对于因您错误的指示而给您造成的损失，MATTERS不承担责任。

4. 平台与服务的使用

有限许可

4.1 MATTERS只能授予您本条款中明确准许的，用于访问和使用平台的有限的、受限制的、个人的、不可转让的、不可再授权的以及可撤销的许可。除此之外，MATTERS不授予您与平台相关的任何其他权利或许可，并且保留本条款中未明确答应给予的任何权利或许可。

4.2 本条款中的任何内容既不意图也不构成您与MATTERS之间的任何合作、合资、代理、咨询或托管关系。

被禁止的使用

4.3 作为使用平台和/或服务的前提条件，您同意您不会：

(a) 使用平台和/或服务用于任何违法的、非法的或本条款和/或社区约章中明令禁止的目的；

(b) 发送、接收、发布、下载、使用或再使用不符合内容标准和/或社区约章的任何材料；

(d) 以可能使网页失效、过载、损坏或损伤，或者可能干扰平台和/或服务正常运行与使用的任何方式使用平台和/或服务，亦或者使用此类的任何装置、软件或程序；

(e) 在未经MATTERS事先许可的情况下修改、复制、传输、展示、执行、再版、出版、许可、转让、出售或再出售从平台和/或服务中获得任何信息、软件、产品或服务，亦或者由此信息、软件、产品或服务创造衍生作品；

(f) 出于任何MATTERS事先书面许可以外的目的，使用网络机器人、网络爬虫、网络抓取或其他自动化手段，或手动处理来访问、监控或复制任何平台和/或服务的内容或信息；

(g) 出于任何MATTERS事先书面许可以外的目，深层链接至平台的任何部分；

(h) 在未经MATTERS事先授权的情况下，以「数据帧」、「镜像」或以其他方式将平台的任何部分并入任何其他网页；

(i) 在平台上和/或与服务相关的使用中，冒充其他人或实体，虚假陈述，以其他方式谎称您与某人或某实体的关系，亦或者使用虚假身份（包括但不限于使用与此人或实体相关的电子邮件地址或故意拍摄名字）；

(j) 通过操纵标识符（包括伪造头部代码）来隐瞒您发布的任何信息的来源；

(k) 试图未经授权地访问、干扰、破坏或中断平台、服务、任何相关网站、储存平台的服务器，或任何连接至平台的服务器、电脑或数据库；

(l) 通过任何非平台和/或服务提供的途径，获得或尝试获得任何材料或信息，包括采集或以其他方式收集其他人的信息，比如电子邮件地址。

(m) 做任何在MATTERS的合理判断下可能对平台和/或服务、MATTERS、其关联公司，以及其各自的许可人、供应商或服务提供商，亦或者以其他方式产生负面影响的事；和/或

(n) 辅助、煽动、鼓励或诱导以上任何一项行为。

在MATTERS库发布内容

4.4 您可以通过向MATTERS库提交数据的方式使用服务，发布用户内容（以及隐藏此用户内容（如适用））。MATTERS库由独立第三方的分布式网络负责运营，MATTERS并不拥有、控制或运营此第三方。MATTERS对MATTERS库不拥有完全控制权，因此MATTERS不能也不保证您通过服务提交的任何交易信息会在MATTERS库上被确认。您承认并同意，您通过服务提交的交易详情有可能被MATTERS库大幅延迟处理或不处理。

4.5 一旦您的交易信息（包括任何用户内容）被提交至MATTERS库，MATTERS将无法帮助您删除、取消或以其他方式修改您的交易信息。MATTERS对MATTERS库没有绝对控制权，有可能无法为您删除、取消或修改的请求提供便利。您接收并承认，MATTERS对您与MATTERS库的交易中由您引起的任何错误或遗漏不承担责任。

4.6 您有责任确定哪些税（如果有）适用于您通过服务提交过交易信息的交易，同时您有责任正确地向相应的税务机关报告并汇出相应税款。您同意，MATTERS没有责任为您确定您的交易适用哪种税，或收集、报告、扣缴、汇出由MATTERS库交易产生的任何税。

4.7 除本条款第3.9(c)和4.8条另有规定外，MATTERS和其关联公司不参与用户间的沟通、支付和/或互动，亦或者用户间沟通、支付和/或互动的内容（无论线上或线下，是否涉及金钱）。您理解并同意，您自己对您与其他用户之间的沟通、支付和互动负有全部责任，MATTERS对任何情况下用户间的沟通、支付和互动（无论线上或线下）不承担任何责任或义务，包括但不限于第三方货币的任何交易。如果您与其他用户或第三方服务商之间就储值钱包中的储值或提现存在任何争议，您须直接与该用户或第三方服务商协商解决。

4.8 您同意及时并完整地向MATTERS或其代表人指定的银行帳戶，或通过其他类似支付方式，亦或者通过第三方支付系统的方式支付网络课程的所有费用，具体支付方式由MATTERS不时公布。

4.9 如果您进行与平台和/或服务的涉及到第三方货币或储值钱包的交易。您同意，一旦您确认进行交易，您将无法取消或修改相关交易。

隐私政策

4.10 您同意，您通过平台和/或使用平台和/或服务时向MATTERS提供的所有信息受隐私政策的约束，并且您准许MATTERS在遵守隐私政策的范围内就您的信息采取任何行动。

5. 平台上的内容

用户内容

5.1 平台可能包含留言板、聊天室、个人主页或个人资料、论坛、公告板、应用程序接口（API）等能够让用户在平台上或通过平台发布用户内容的交互功能。

5.2 所有用户内容必须符合内容标准和社区约章。任何不符合内容标准和社区约章的用户内容将无法被发布和/或随时被MATTERS隐藏，无需提前通知。

5.3 您发布至平台的任何用户内容都将被视为非机密性的。MATTERS与其关联公司没有义务视任何用户内容为机密信息。为避免疑义，MATTERS不声明对任何用户内容的所有权。但是，您在平台上提供任何用户内容时，也授于MATTERS、其关联公司、其各自的被许可人、继承人和受让人，拥有非独家的、世界范围的、不可撤回的、无条件的、永久的权利与许可，在免费的基础上用于使用、修改、利用、复制、展示、扩散、再许可、传达和使有效任何用户内容等由MATTERS自行判断认为合适的任何目的。

5.4 您声明并担保：

(a) 您拥有并控制对用户内容的所有权利，或除此之外拥有向平台或通过平台发布与分配用户内容的合法权利；

(b) 您有权将此类许可授予MATTERS和其关联公司、他们各自的服务提供商、和他们各自的被许可人、继承人和受让人；

(d) 您对您发布的任何用户内容负责，并且由您，而不是MATTERS，承担对此类用户内容的全部责任，包括合法性、可信性、准确性和合适性。

内容标准

5.5 内容标准适用于所有用户内容以及平台和/或服务的使用。用户内容必须全面遵守所有适用法律法规。在不限制前述内容的情况下，用户内容不得：

(a) 包含任何诽谤、淫秽、猥亵、辱骂、冒犯、色情、骚扰、暴利、仇恨、歧视、侮辱、威胁、煽动或其他令人反感的内容；

(b) 宣传带有明显性内容或色情的材料、宣传暴力或基于种族、性别、宗教、国籍、残疾、性取向或年龄的歧视；

(d) 侵犯他人合法权利（包括宣传和隐私权），或内含在适用的法律法规下任何可能引起民事或刑事责任，或者可能与本条款冲突的内容；

(e) 是不准确的、误导的或可欺骗人的；

(f) 宣传任何非法活动，或提倡、宣传或协助任何违法行为；

(g) 假冒任何人，冒充他人的身份或其与其他人或组织的关系；

(h) 涉及商业活动，进行销售，发送任何未被请求的广告或宣传资料、收集其他用户的电子邮件地址或其他联络信息用于发送广告信息；

(i) 给人以他们为MATTERS成员或受MATTERS授权的印象，但事实并非如此；

(j) 包含任何MATTERS认为（在其合理判断下）不合适在平台上发布的任何内容。

用户内容免责声明

5.6 用户在平台发布任何用户内容则表明其接受，任何由于MATTERS和/或其关联公司发表与使用此用户内容而产生的第三方的任何索赔要求，由用户承担全部法律和道德责任。MATTERS和其关联公司均不拥有或认可平台上发布的任何用户内容。所有用户内容的真实性、合法性和使用权由发布此内容的用户自行承担，MATTERS对此不承担责任。在适用法律法规允许的最大范围内，MATTERS对于发布的用户内容不承担任何责任与义务。

5.7 MATTERS和/或其关联公司既没有义务认可您用户内容的作者身份，也没有义务强制执行第三方任何形式的权利归属。

5.8 平台上或通过平台展示的内容仅供一般参考用途。MATTERS不保证任何内容的准确性、完整性或有用性。您对此类信息的依赖与使用均由您自行承担风险。在适用法律法规允许的最大范围内，MATTERS不承担由您或平台的其他访问者或被告知此类内容的任何人对此类资料的信赖而产生的所有责任和义务。

监督与执法

5.9 MATTERS有权但没有义务：

(a) 自行决定以任何理由或无理由地隐藏或拒绝发佈任何用户内容；

(b) 对MATTERS自行判断下认为有必要对适当的任何用户内容採取任何措施，包括当MATTERS认为此类用户内容违反本条款和或社区约章，威胁到平台用户或公众的人身安全、或可能造成对MATTERS不利时;;

(d) 对任何非法或未经授权的平台的使用采取适当的法律行动，包括但不限于转交执法机构。

5.10 必要情况下，MATTERS须充分配合执法当局或法院指令的指示或要求，公开在平台上或通过平台发布材料的人员的身份或其他信息。您放弃并使MATTERS、其关联公司、其各自的被许可人和服务提供商免于承担任何由前述各方或执法当局在调查期间或调查后、以及因调查的结果而采取的任何行动所产生的任何索赔的责任。

5.11 为避免疑义，MATTERS不会在任何内容发布到平台之前对其进行审核，并且无法确保在其发布后立即隐藏令人反感的内容。因此，对于与传送、沟通或任何用户或第三方提供的内容相关的任何作为或不作为，MATTERS不承担任何义务。对于用户是否履行本章所述规定，MATTERS不承担任何责任与义务。

平台链接与社交媒体功能

5.12 只有当您秉持公平与合法，并且不损害不利用MATTERS或其任何关联公司的声誉时，您才可以建立至平台主页的链接，但您不得以任何让他人认为您与我们有关联、有获得我们批准或认可的形式建立链接。

5.13 平台有可能提供某些社交媒体功能，使您能够：

从您自己的网页链接至平台上的某些内容；

发送含有平台上某些内容，或含有链接至某些内容的链接的电子邮件或其他通讯方式；

在平台上的内容中含有MATTERS主页链接的条件下，能够让平台内容的有限部分展示或出现在您自己的网站上。

5.14 您仅能使用由我们提供，并且根据MATTERS任何相关附加条款条件的规定的仅仅与展示内容相关的功能。在上述规定下，您不得：

(a) 从任何不属于您的网站建立链接；

(b) 通过框架、深层链接或直接链接使平台或平台的部分在其他网页上展示或出现；

(d) 对平台上与本条款中和社区约章任何不符合规定的材料采取任何行动。

5.15 您在其上建立平台链接或使他人可以访问到某些用户内容的网站，必须完全遵守内容标准和社区约章

5.16 您同意协助我们，使任何未经授权的框架或链接立即停止。MATTERS保留撤销链接许可且不需要通知的权利。

5.17 MATTERS可以根据自己判断随时禁用所有或任何社交媒体功能和任何链接，无需另行通知。

6. 知识产权

MATTERS的知识产权

6.1 平台包含版权材料、商业名称和其他专有信息，并且平台的整个内容受版权法保护。除非另有说明，否则服务所需的、平台提供的、或平台使用的软件，以及平台和平台上的内容（用户内容除外）和知识产权均归MATTERS、其关联公司和/或其各自的许可方、供应商或服务提供商所有。在选择、协调、安排和增强此类内容（用户内容除外）时，MATTERS与其许可方拥有版权和/或数据库权利。

6.3 MATTERS完全地保留平台和内容（用户内容除外）的所有权利（包括所有知识产权）、所有权和利益（包括被翻译的内容）。任何未经授权的使用将构成对MATTERS知识产权的重大侵权。

禁止行为

6.4 您不得修改、发表、参与转让或销售、或以任何方式利用平台和平台上的内容，无论是全部地还是部分地，除非是本条款中规定的以下情况：

(a) 您的计算机可以在您访问和查看这些资料时，附带地暂时将资料的副本储存在RAM中；

(b) 您可以存储由Web浏览器自动缓存的文件，以增强显示功能;

(d) 如果MATTERS为社交媒体功能提供某些内容，则您可以进行此类功能下被允许的操作。

6. 商标

6.6 “MATTERS”商标是或被许可是MATTERS和/或其关联公司在全球（无论是否注册）的商标。MATTERS的名称与商标以及所有相关的名称、商标、产品与服务名称、设计和标语均为MATTERS、其关联公司或其许可方的商标。未经MATTERS事先书面许可，您不得使用此类商标。

6.7 其他产品以及平台上明确身份的公司名称可以是MATTERS、其许可方和/或其关联公司或第三方的名称、商标、商号、服务商标、商标、标志、其他专有名称或标记。在平台上使用任何第三方的或归属于第三方的名称、商标、商标、服务商标、商标、标志或其他专有名称或商标，以及能够通过平台从第三方获得特定商品或服务，均不可被解释为此第三方受到平台的认可，赞助平台，或此第三方通过平台参与提供商品、服务或信息。

有关侵权的申诉

6.8 如果您认为有任何用户内容侵犯了您的版权，请发送电子邮件至 <ask@matters.town> ，我们将指示您，如何向我们发送侵犯版权的通知。MATTERS将审核并处理所有符合要求的通知。

6.9 为避免疑义，MATTERS不对第三方提供的版权资料或第三方的知识产权侵权行为承担任何责任。

7. 帳戶终止

7.1 MATTERS有权决定暂停（任意时间长度）或终止您对平台和/或服务的访问，而无需事先通知，并且有权出于任何原因（包括但不限于您违反本条款和社区约章的任何规定）删除或停用您的帳戶以及隐藏所有相关用户内容。MATTERS对于有可能因为暂停或终止帳戶而导致的任何损失或损害不承担任何责任。

7.2 收到您的书面请求后，MATTERS将在切实可行的范围内尽快终止您的帐户和/或隐藏您的所有用户内容（如适用）。

7.3 如果终止，您将无法访问您的帐户。如果终止，您将无法访问您的帐户（包括但不限于储值钱包和储值金额）。如果帐户终止后您的储值钱包中有余额，您须向MATTERS提供书面说明（以及正确储值钱包密码），并在终止帐户日起30天内要求提现所有储值余额。如果逾期未收到您的说明，您的储值余额将被没收。为避免疑问，MATTERS持有的记录应被视为储值钱包中余额的最终证据。

8. 免责声明

8.1 本条款中的任何内容均不得限制因疏忽、欺诈或欺骗性的虚假陈述而造成人身伤害或死亡的责任。

8.2 您在使用平台、其内容、服务以及通过平台获得的任何产品时的风险均由您自行承担。平台、其内容、服务以及通过平台获得的任何项目均基于「现状」和「可有」的基础被提供，不附带任何形式的明示或暗示的保证。在不限制上述规定的前提下，MATTERS或与MATTERS相关的任何人均不表示或保证，平台、其内容、服务以及通过平台获得的任何项目是准确的、可靠的、无差错或不间断的，其中的缺损会得到修正，平台或平台的服务器没有病毒或其他有害组件，又或者平台、服务和通过平台获得的任何项目将满足您的需求或期望。

8.3 您理解，MATTERS无法保证也不保证您从平台下载的任何内容不含有病毒或其他破坏性代码。您有责任设置充足的程序和检查点，以满足您对反病毒保护、数据输入输出准确性，以及在平台外部维持一个途径用于重建任何丢失数据的特定要求。对于在您使用平台、服务以及通过平台获得的任何项目时，或您从平台或其他网站的平台链接下载内容时，有可能感染到您的计算机设备、计算机程序、数据或其他专有材料的病毒、分散式阻断服务攻击（DDoS）、或其他含有有害技术的材料所造成的任何损失或损害，MATTERS概不负责。

8.4 您理解并同意，第三方或外部工具（包括但不限于互联网）引起的作为或不作为可能会造成平台连接受损或中断的情况。MATTERS将尽一切商业上合理的努力采取任何其认为适当的措施来补救与避免此类事件，但MATTERS不保证一定不会发生此类事件。您同意MATTERS对于在此类事件中任何违反本条款的行为不承担责任。

8.5 除非是MATTERS方因有意或故意的不当管理或重大疏忽而有过错，否则MATTERS不对任何由服务器错误、错误或重定向传输、互联网连接失败、传输或接受预约中断、任何计算机病毒或其他技术缺点而导致的故障负责，无论是人为的还是技术性的。

8.6 平台可能包含指向第三方网页与服务（比如由 Google 提供的 reCAPTCHA 服务）（第三方内容）的链接，此类链接和服务仅为方便您而提供。MATTERS不拥有对任何第三方内容的绝对控制权，并且不对其承担任何责任，也不对您在使用它们的过程中可能造成的任何损失或损害承担任何责任。如果您决定访问平台链接的任何第三方内容，则您必须自行承担所有风险并且遵守此第三方内容的使用条款和条件（包括但不仅限于 Google 的隐私权政策和服务条款）。

8.7 对于因第三方服务商提供的储值和提现交易而引起的任何损失，无法访问或交易，MATTERS将不对您承担任何责任或对任何损失承担责任，包括但不限于（i）与传输有关的任何损失，延迟，错误或遗漏；（ii）适用法律可能施加的任何外汇管制或限制；（iii）这些控制或限制对您造成的相关的损失或延误；和/或（iv）第三方服务提供商可能收取的任何费用。

8.8 对于因储值钱包引起的或与之相关的任何事项，或由于任何不当或未经授权使用储值钱包而造成您或任何其他人遭受的损失和费用，MATTERS概不负责。如果未提供准确的储值钱包密码或有合理理由相信储值钱包已被更改或干扰，或发现有允许第三方更改或干扰您储值钱包中的数据的行为，MATTERS有权不处理这些付款或提款指示。MATTERS有权追回由此造成的费用和损失。在适用法律允许的范围内，MATTERS排除因使用储值钱包而引起或与之相关的所有损失，损坏，成本，费用，责任和罚款。适用法律允许的范围内，MATTER不承担因使用储值钱包而引起或与之相关的所有损失，费用，责任和罚款。

8.9 对于您使用第三方货币和第三方货币交易中产生的有关的任何损失，MATTERS不承担责任。

8.10 MATTERS特此声明不作任何法定的或其他任何形式的保证（无论明示或暗示的），包括但不限于任何商销性、不侵权以及特定用途适用性的保证。

8.11 您理解并同意，您自己对确保您平台和/或服务的使用遵守相关适用法律（包括但不限于与反洗钱法规相关的活动）负有全部责任。任何不遵守相关法律的平台和/或服务的使用不得解释为是由我们公布、引起、复制、复印、准许、授权、同意、请求或以其他方式批准的。我们不承担任何因您使用平台和/或服务时未遵守相关适用法律而产生的或与之相关的所有责任，包括但不限于任何适用的反洗钱法。

8.12 本第8条条款不影响根据相关法律不能被限制或排除的任何保证或责任。

9. 责任限制

9.1 在任何情况下，MATTERS、其关联公司、其各自的许可方、服务提供商、员工、代理人、主管或董事在任何法律下均不对由于您自己的使用或与您使用相关联的原因造成的损害，或者导致您无法使用帐戶，和您帐户相关的第三方货币帐户（包括和您帐户相连的第三方货币和第三方货币帐户）、您的储值钱包（包括但不限于储值钱包金额的损失）、平台和/或服务、平台或此类其他网站上的任何内容，或者无法使用通过平台或此类其他网站获得的任何服务或项目等任何类型的损害而承担责任，其中包括任何直接、间接、特殊的、偶然的、后果性的或惩罚性的损害，包括但不限于人身伤害、痛苦与磨难、精神损害、收入损失、利益损失、业务损失、预期结余损失、使用权损害、商誉损失、数据损失，以及无论是否由（包括疏忽的）侵权引起的违约等，即便是可预见的。

9.2 此外，相关适用的法律有可能不允许MATTERS限制或免除上述责任。在这样的情况下，MATTERS应在相关法律规定的范围内承担相应的责任。在引起索赔的事件发生后，申诉方应尽快提交索赔申请。

9.3 您接受并承认，使用互联网平台和服务存在风险，包括但不限于硬件故障、软件故障和互联网连接故障的风险，恶意软件植入的风险，以及第三方有可能未经授权访问存储在您帐戶、第三方货币帐户、储值帐户内或与您帐戶相关联的信息（包括但不限于您的密码和私钥）的风险。您接受并承认，MATTERS对于您使用服务时可能遇到的任何通信故障、中断、错误、失真或延迟不承担责任。

9.4 根据适用法规关于时效的规定，被过分延迟提交的索赔请求可能会被视作无效。只有真实的索赔才能得到处理。尽管有上述规定，任何由本条款、平台和/或服务引起的或与本条款、平台和/或服务相关的任何诉讼或索赔请求必须在诉因产生后一（1）年内被提交，否则在此期限过后此诉讼或索赔将被永久禁止。

9.5 在不影响上述规定的情况下以及在适用法律允许的情况下，MATTERS对任何一位用户的累计赔偿责任在任何情况下均不得超过150美金。

10. 赔偿保障

10.1 您同意赔偿和豁免MATTERS所有因为您的作为、不作为或疏忽而引致或遭受的任何索赔、责任、损害、损失和金钱赔偿的责任，包括但不限于由以下情况（或内容）引起或与以下情况（或内容）相关的MATTERS、其关联公司、其各自的许可方、服务提供商、员工、代理人、主管和/或董事被要求支付的、蒙受的、或被强加的法律及其他费用：

(a) 您在违反本条款和适用的法律法规，和/或侵犯任何第三方权利的情况下访问、使用或滥用平台和/或服务;

(b) 您帐戶，您第三方货币帐户（包括链接到您帐户的第三方货币和您的第三方货币帐户）、储值钱包（包括储值钱包中的金额）下存在任何未经授权的活动或行为，无论您是否已授权或知晓此活动或行为；

10.2 如果您为某第三方或代表某第三方利益使用平台和/或服务，则您对您提供的有关信息的准确性上出现的任何错误负责。此外，您必须告知此第三方所有适用的条款。当此第三方或用户未能履行上述义务时，则为此第三方或代表此第三方利益使用平台和/或服务的每个用户均同意赔偿并豁免MATTERS和其关联公司（如适用）任何以及所有责任、损失、损害、诉讼与索赔（包括辩护费用）。

11. 使用手机应用程序的标准条款

11.1 通过手机应用程序访问或使用平台，即表示您承认并同意受Apple App Store和/或Google Play（如适用）不时修订的标准条款的约束。

12. 其他规定

12.1 本条款接替并取代MATTERS与您之间涉及平台和/或服务的任何以及所有事先的口头或书面谅解或协议。

12.2 未经MATTERS事先书面许可，您不得借法律的实施或以其他方式转让或转移这些条款。MATTERS有权自行决定转让或转移这些条款，并不受任何限制。在上述规定的规限下，本条款将对您、MATTERS、您与MATTERS各自的继承人、被许可的受让人和法律代表的利益具有适用性和约束力。

12.3 在此条款下任何被许可或被要求的通知或其他消息，包括有关修改本条款的通知，将由MATTERS以书面形式通过电子邮件发送。

12.4 MATTERS未行使本条款的任何权利或规定并不构成MATTERS对在未来行使该权利或条款的放弃。任何此类权利或规定的放弃只有在以书面形式并由正式授权的MATTERS代表签字时才有效。除非本条款明确规定，否则任何一方根据本条款实施的任何救济方法将不影响本条款下的其他救济方法。

12.5 本条款受特拉华州法律管辖，并按照特拉华州法律解释。本条款的各方不可撤回地同意，特拉华州法院对与本条款有关或由本条款引起的任何索赔或争议拥有专属管辖权。

12.6 本条款和条件的原始英文版本可能被翻译成其他语言。如果对本条款的内容或解释存在争议，亦或者本条款的英文版本与任何其他语言版本之间存在矛盾或不一致，则在法律允许的范围内，英语版本适用、优先并具有决定性。

12.7 本条款应被视为可分割的。如有任何条款被确定为不可执行的或无效的，则应依然在适用法律允许的最大范围内执行此条款，并且任何条款被确定无效都不应影响任何其他条款的有效性和可执行性。被分割的条款应由尽可能接近原先措辞和意图的新条款取代。

12.8 与平台有关的所有投诉、反馈、评论、技术支持请求和其他联络信息请直接发送至 <ask@matters.town> 。

Terms and Conditions for MATTERS

Last updated date: 18 July, 2020

PLEASE READ THESE TERMS CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS. YOU ACKNOWLEDGE AND AGREE THAT, BY ACCESSING OR USING THE PLATFORM AND/OR THE SERVICES, YOU ARE INDICATING THAT YOU HAVE READ, AND THAT YOU UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, THEN YOU HAVE NO RIGHT TO ACCESS OR USE THE PLATFORM AND/OR THE SERVICES.

Modification:

MATTERS reserves the right to, at its sole discretion, modify these Terms at any time without prior notice and consent. If MATTERS modifies these Terms, it will post the modification via the Platform or otherwise provide you with notice of the modification. By continuing to access and/or use the Platform and/or the Services after MATTERS has posted a modification via the Platform and/or has provided you with notice of the modification, you are indicating that you agree to be bound by the modified Terms. If the modified Terms are not acceptable to you, your only recourse is to cease using the Platform and the Services.

1. DEFINITIONS AND INTERPRETATION

1.1 In these Terms, the following definitions and rules of interpretation apply unless otherwise defined:

(a) Account means an account provided by MATTERS to its registered Users for the use of the Platform and the Services;

(b) Affiliates means, in relation to MATTERS, for the time being, (i) any subsidiary of MATTERS; (ii) any subsidiary undertaking of MATTERS; (iii) any holding company of MATTERS; (iv) any parent undertaking of MATTERS; and (v) any group undertaking of MATTERS;

(c) Community Rules means the community rules of MATTERS setting out the rules and expectations of behaviors and actions of Users on the Platform, as modified from time to time;

(d) Contents means text, graphics, images, audio, video, information and other materials;

(e) Content Standards means the standards for any Contents posted by any User to the Platform as set out in clause 5.5 of these Terms;

(f) Intellectual Property Rightsincludes, in relation to the Platform, all copyright and other intellectual property rights, howsoever arising and in whatever media, whether registered or not registered, including but not limited to patents, design rights, trademarks, service marks, applications or rights to apply for any of the foregoing, database rights, Know-How, trade or business name, rights in confidential information, goodwill, and other similar rights existing in any part of the world;

(g) Know-How means all know-how, experience, data, technical and commercial information relating to the Platform and/or the Services, including but not limited to mode of operation;

(h) MATTERS means MATTERS, INC., a private limited company incorporated under the laws of the State of Delaware;

(i) MATTERS Vaultmeans the publicly accessible distributed database which MATTERS uses to record and share all Contents;

(j) Online Courses means such online courses organized, arranged or otherwise made available by MATTERS to the Users on the Platform;

(k) Passcode means, any and all such (i) passcodes set by a registered User in relation to his/her Account and Third Party Coins ID respectively; and (ii) the Stored Value Wallet PIN set by a registered User for his/her Stored Value Wallet;

(l) Platform means the platform made available by MATTERS in the form of a website, mobile application or otherwise for the provision of the Services;

(m) Privacy Policy means the privacy policy of MATTERS, as updated by MATTERS from time to time;

(n) Private Key is as defined under clause 3.3 (ii) of these Terms;

(o) post means, in respect of any Contents, post, submit, publish, display or transmit to other Users or other persons such Third Party Coins and/or Contents (including comments made to any such Contents) on or through the Platform, and posted shall be construed accordingly;

(p) Servicesis as defined under clause 2.1 of these Terms;

(q) Stored Value refers to the money loaded onto the Stored Value Wallet;

(r) Stored Value Wallet means the digital virtual wallet provided by MATTERS to its registered Users for the use of the Platform and the Services (where applicable);

(s) Stored Value Wallet PIN means the PIN set by a registered User for the usage of his/her Stored Value Wallet;

(t) Tax means all forms of taxation, withholdings, duties, imposts, levies, social security contributions and rates imposed, assessed or enforced by any local, municipal, governmental, state, federal or other body or authority in any applicable jurisdictions, in all cases being in the nature of taxation, and any related interest, penalty, surcharge or fine;

(u) Terms means these terms and conditions (including the Privacy Policy), as revised, modified or otherwise updated by MATTERS from time to time;

(v) Third Party Contents is as defined under clause 8.6 of these Terms;

(w) Third Party Coins means any such cryptocurrencies (which are at all times operated, maintained or otherwise provided by (a) third party(ies)) which a User may store, send and/or receive on the Platform

(x) Third Party Coins ID means any such account (which are all times operated, maintained or otherwise provided by third part(ies)) linked to the respective Third Party Coins;

(y) User means any user of the Platform, and Users shall be construed accordingly; and

(z) User Contents means any Contents posted by any User to the Platform.

1.2 A reference to a person, corporation, trust, partnership, unincorporated body or other entity includes any of them.

1.3 Words importing one gender shall be treated as importing any gender, words importing individuals shall be treated as importing persons and vice versa, words importing the singular shall be treated as importing the plural and vice versa, and words importing the whole shall be treated as including a reference to any part thereof.

2. THE SERVICES

Scope of the Services

2.1 MATTERS provides the Users with access to the Platform which provides its registered Users with access to their Accounts, their Stored Value Wallets and their Third Party Coins ID and enables them to amongst others, (i) post User Contents by way of submission of transaction data to the MATTERS Vault; (ii) access User Contents; (iii) provide Online Courses; and (iv) attend Online Courses (the Services). These Terms govern the access to and the use of the Platform and the Services. Failure to use the Platform and/or the Services in accordance with these Terms may subject you to civil and criminal liabilities.

Discontinuation, suspension or termination of the Services

2.2 MATTERS reserves the right, in its sole discretion and without notice, to the extent legally permissible, to temporarily or permanently modify, suspend, or terminate the Platform and/or the Services (or any part thereof). MATTERS shall not be liable to you or any third party for any such temporary or permanent modification, suspension or termination. You are solely responsible for storing, outside of the Platform, backup information relating to your Account, your Stored Value Wallet, your Third Party Coins ID and the relevant User Contents. If you do not maintain a backup information of such outside of the Platform, you may not be able to access your Third Party Coins ID and/or any User Contents associated with or maintained in your Account and your Third Party Coins ID if MATTERS modifies, suspends or terminates the Platform and the Services.

Eligibility

2.3 The Platform and/or the Services are not targeted toward, nor intended for use by, anyone under the age of 18. You must be at least 18 years of age to access or use the Platform and/or the Services.

Geographical restrictions

2.4 MATTERS makes no claim that the Platform or any of its Contents is accessible or appropriate outside of your jurisdiction. Access to the Platform may not be legal by certain persons or in certain countries. You hereby acknowledge that you shall take responsibility and take steps to comply with any and all local laws in your and any applicable jurisdictions.

3. ACCOUNT REGISTRATION AND SECURITY

Account registration

3.1 To post on the Platform you will be required to agree to these Terms and the Community Rules and provide certain registration details or other information for the creation of your Account. It is a condition of your use of the Platform that all the information you provide on the Platform is correct, current and complete.

3.2 Save and except as provided in clause 3.9(c) and 4.8 of these Terms, MATTERS does not currently charge fees for provision of the Services. However, MATTERS reserves the right to do so in future, and in such case any applicable fees will be displayed prior to you using any Service to which a fee applies.

3.3 Upon your registration of your Account, MATTERS will automatically generate:

(i) a Stored Value Wallet that is linked and accessible via your Account. You may load, make payment with and/or cash-out Stored Value in your Stored Value Wallet in accordance with these Terms; and

(ii) a third party service provider cryptocurrency wallet that is linked and accessible via your Account (which shall be linked to a private key (the Private Key) and public key pair that are provided by the relevant third party service provider solely to you and completely owned by you).

3.4 You understand and agree that your use of the Stored Value Wallet, the third party service provider cryptocurrency wallet, the Third Party Coins ID and the Third Party Coins will be subject to such terms and conditions and/or applicable fees as imposed by the relevant third party service providers from time to time.

Account security

3.5 You are responsible for maintaining all aspects of security of your Account, your Third Party Coins ID, your Passcode and your Private Key. You must keep your Passcode and your Private Key secure. You accept and acknowledge that your Stored Value Wallet, User Contents and Third Party Coins you have associated with your Account and your Third Party Coins ID will become permanently inaccessible if you do not have your Passcode and/or your Private Key. You acknowledge that your Account, your Passcode, and your Third Party Coins ID are personal to you and agree not to provide any other person with access to the Platform using your User name, Passcode, Private Key or other security information. You must treat such information as strictly confidential, and you must not disclose it to any other person or entity.

3.6 You agree to notify MATTERS immediately of any unauthorized access to or use of your Account, your Third Party Coins ID or any other breach of security. You hereby accept and acknowledge that you take responsibility for all activities that occur under your Account, your Third Party Coins ID (including the Third Party Coins linked to your Account and your Third Party Coins ID) and Private Key and accept all risks of any authorized or unauthorized access to your Account, your Third Party Coins ID (including the Third Party Coins linked to your Account and your Third Party Coins ID) and Private Key, to the maximum extent permitted by applicable laws.

3.7 You acknowledge and understand that cryptography is a progressing field. Advances in code cracking or technical advances such as the development of quantum computers may present risks to the Platform, the Services, your Account and your Third Party Coins ID, which could result in the theft or loss of your property. By using the Platform and/or the Services, you acknowledge and accept such inherent risks.

Safekeeping of Private Keys

3.8 As and where applicable, MATTERS has no access and does not receive or store your Private Keys and therefore assume no responsibility for the safekeeping and/or management of any and all such Private Keys.

Stored Value Wallet

3.9 With regards to the top-up and cash-out of Stored Value in your Stored Value Wallet, you understand and agree that:

(a) MATTERS may impose limitations and shall notify you from time to time the minimum and maximum permitted amount for top-up, payment and/or cash-out of Stored Value in your Stored Value Wallet over any given period of time in compliant with MATTERS’ internal policies and/or any applicable laws. For the avoidance of doubt, you may cash-out the Stored Value in your Stored Value Wallet at any time;

(b) MATTERS will, in its sole discretion, designate and procure third party service provider(s) to manage the top-up and cash-out of Stored Value in your Stored Value Wallet in accordance with your instructions from time to time. You are advised to read the terms and conditions of these third party service providers carefully to understand the requirements, fees and charges they may impose per top-up and cash-out transaction of your Stored Value (or part thereof as applicable). You agree (i) to authorize our designated third party service provider(s) to effect any such top-up and cash-out transactions of your Stored Value in accordance with these Terms; and (ii) that such top-up and cash-out transactions of Stored Value is effected by third party service provider(s) beyond the control and responsibilities of MATTERS;

(c) MATTERS shall have a right to charge you an administrative fee equivalent to fifteen per cent (15%) of the relevant cash-out amount of Stored Value in your Stored Value Wallet. The applicable administration fees are determined by MATTERS at its sole discretion from time to time. You agree that MATTERS shall have the right to deduct the applicable administration fees from your Stored Value when applicable before the relevant cash-out transaction by the third party service provider(s); and

(d) you agree that MATTERS shall be entitled to assume that any instruction to deal with Stored Value in your Stored Value Wallet which is received by MATTERS from your Account through the Platform is an instruction given by you and can accordingly be acted on by MATTERS. You further agree where MATTERS and/or our designated third party payment system provider(s) has reason to believe that an instruction is not properly authorized or that any other breach of security has occurred, MATTERS has the right not to process, or delay processing such instruction. You agree to indemnify MATTERS and hold MATTERS harmless against all actions, claims, proceedings, losses, damages, costs and expenses which may be brought against us or suffered or incurred by MATTERS arising from or in connection with these Terms.

3.10 With regards to your use and obligations of the Stored Value Wallet, you understand and agree that:

(a) you must not use your Stored Value Wallet in any manner that (i) is inconsistent with these Terms or in contravention of any applicable laws (including but not limited to any laws and regulations relating to anti-money laundering activities); (ii) could result in complaints, disputes, claims, penalties or other liability to MATTERS, other Users or third parties; (iii) could cause MATTERS to breach or not comply with any such applicable laws; and/or (iv) could damage, disable, overburden, impair or compromise the Services, the Platform or security or interfere with other Users;

(b) you must not tamper with your Stored Value Wallet (including, but not limited to, the software, applications, functions, features and the data recorded on your Stored Value Wallet) in any way. For the avoidance of doubt, MATTERS will not honor transactions, or allow cash-out of any Stored Value, if your Stored Value Wallet has been tampered with;

(c) you must notify MATTERS as soon as practicable if you suspect that there has been unauthorized transaction and/or access to your Stored Value Wallet; and

(d) you will cooperate with MATTERS when MATTERS ask for your co-operation and, if appropriate, the police, in investigating any possible or suspected unauthorized use, or in resetting your Stored Value Wallet if it is hacked or tampered with, or if MATTERS has reasonable grounds to suspect suspicious behavior or usage pattern, or as required by applicable laws.

3.11 With regards to the Stored Value in your Stored Value Wallet, you understand and agree that:

(a) MATTERS will only process your instructions to make payments with and/or cash-out Stored Value from your Stored Value Wallet after it has been provided with the relevant accurate Stored Value Wallet PIN;

(b) MATTERS process your instructions to make payments on the Platform by way of Stored Value with immediate effect. Accordingly, you cannot cancel or change any payment(s) instruction once the same has been received by MATTERS. Payment transactions of Stored Value on the Platform are non-cancellable and relevant Stored Value is non-refundable under any circumstances. MATTERS is not responsible for, and will not be held liable for any loss suffered by you due to incorrect payment instruction; and

4. USE OF THE PLATFORM AND THE SERVICES

Limited license

4.1 MATTERS grants you a limited, restricted, personal, non-transferable, non-sublicenseable and revocable license to access and use the Platform only as expressly permitted in these Terms. Except for this license, MATTERS does not grant you any other rights or license with respect to the Platform and any rights or licenses not expressly granted herein are reserved.

4.2 Nothing in these Terms is intended to nor shall create any partnership, joint venture, agency, consultancy or trusteeship between you and MATTERS.

Prohibited use

4.3 As conditions of using the Platform and/or the Services, you agree not to:

(a) use the Platform and/or the Services for any purpose that is illegal, unlawful or prohibited by these Terms and/or the Community Rules;

(b) send, receive, post, download, use or re-use any material which does not comply with the Content Standards and/or the Community Rules;

(c) engage in any other conduct that restricts or inhibits anyone’s use of the Platform and/or the Services, or which, as determined by us, may harm MATTERS or expose MATTERS to liability;

(d) use the Platform and/or the Services in any manner or use any device, software or routine that could disable, overburden, damage, or impair the site or interfere with the proper operation and use of the Platform and/or the Services;

(e) modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software, products, or services obtained from the Platform and/or the Services without prior written consent of MATTERS;

(f) access, monitor or copy any Contents or information of the Platform and/or the Services using any robot, spider, scraper or other automated means or any manual process for any purpose without express prior written permission from MATTERS;

(g) deep-link to any portion of the Platform for any purpose without the express prior written permission from MATTERS;

(h) "frame", "mirror" or otherwise incorporate any part of the Platform into any other website without prior authorization of MATTERS;

(i) impersonate another person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity, or adopt a false identity (including but not limited to the use of email addresses or screen names associated with such person or entity) on the Platform and/or in relation to the use of the Services;

(j) manipulate identifiers, including by forging headers, in order to disguise the origin of any Contents posted by you;

(k) attempt to gain unauthorized access to, interfere with, damage or disrupt the Platform, the Services, any related website, the server on which the Platform is stored, or any server, computer or database connected to the Platform;

(l) obtain or attempt to obtain any materials or information through any means not intentionally made available through the Platform and/or the Services, including harvesting or otherwise collecting information about others such as email addresses;

(m) do anything else which could, in the reasonable view of MATTERS, cause damage to the Platform and/or the Services, MATTERS, its Affiliates and their respective licensors, suppliers or service providers or would otherwise have a negative impact; and/or

(n) aid, abet, encourage or induce any of the above.

Posting on MATTERS Vault

4.4 You may use the Services to post User Contents (and subsequently hide Such User Contents (as applicable)) by submitting transaction data to the MATTERS Vault. The MATTERS Vault is operated by a decentralized network of independent third parties which is not owned, controlled or operated by MATTERS. MATTERS has no absolute control over the MATTERS Vault and therefore cannot and will not ensure that any transaction details you submit via the Services will be confirmed on the MATTERS Vault. You acknowledge and agree that the transaction details you submit via the Services may not be completed, or may be substantially delayed, by the MATTERS Vault.

4.5 Once transaction details (including any User Content) have been submitted to the MATTERS Vault via the Services, MATTERS cannot assist you to delete, cancel or otherwise modify your transaction details. MATTERS has no absolute control over the MATTERS Vault and may not have the ability to facilitate any deletion, cancellation or modification requests. You accept and acknowledge that MATTERS is not responsible for any errors or omissions that you make in connection with any MATTERS Vault transaction initiated via the Services.

4.6 It is your responsibility to determine what, if any, Taxes apply to the transactions for which you have submitted transaction details via the Services, and it is your responsibility to report and remit the correct Tax to the appropriate Tax authority. You agree that MATTERS is not responsible for determining whether Taxes apply to your transactions or for collecting, reporting, withholding, or remitting any Taxes arising from any MATTERS Vault transactions.

4.7 Save and except as provided in clauses 3.9(c) and 4.8 of these Terms, MATTERS and its Affiliates are not involved with the communication, payment arrangements and/or interactions between the Users or the Content of such communication, payment arrangements and/or interactions (whether online or offline and whether consideration is involved or not). You understand and agree that you are solely responsible for your communication, payment arrangements and interactions with other Users and MATTERS shall have no responsibility or liability to any User in connection with such communication, payment arrangements and interactions (whether online or offline) under any circumstances, including but not limited to any transaction relating to the Third Party Coins. If there is any dispute between you and any User(s) and/or third party service provider(s) in relation to the top-up and/or cash-out of Stored Value in your Stored Value Wallet, then that dispute must be taken up with the relevant User(s) and/or third party service provider(s) directly.

4.8 You agree to make timely and full payment of all fees and charges relating to Online Course(s) payable by you directly to MATTERS or its nominee designated bank account or via such other payment method or third party payment system as notified by MATTERS from time to time.

4.9 Notwithstanding any provisions in these Terms, if you perform or otherwise engage in any action for which any Third Party Coin and/or Stored Value is transacted or otherwise involved on the Platform and/or in relation to the Services, you understand and agree that you will not be able to cancel or amend once you have confirmed that you wish to proceed with the relevant transaction.

Privacy Policy

4.10 You agree that all information you provide to MATTERS through the Platform and/or in connection with the use of the Platform and/or the Services is governed by the Privacy Policy, and you consent to all actions MATTERS takes with respect to your information consistent with the Privacy Policy.

5. CONTENTS OF THE PLATFORM

User Contents

5.1 The Platform may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, APIs and other interactive features that allow Users to post User Contents on or through the Platform.

5.2 All User Contents must comply with the Content Standards and the Community Rules. Any User Content that does not meet the Content Standards and/or the Community Rules will not be posted and/or will be hidden by MATTERS at any time and without prior notice.

5.3 Any User Contents you post to the Platform will be considered non-confidential. MATTERS and its Affiliates are under no obligation to treat any User Contents as confidential information. For the avoidance of doubt, MATTERS does not claim ownership of any User Content. However, by providing any User Contents on the Platform, you grant MATTERS and its Affiliates, and each of their respective licensees, successors and assigns a non-exclusive, worldwide, irrevocable, unconditional, perpetual right and license to, on a complimentary basis, use, modify, delete, exploit, reproduce, display, distribute, sublicense, communicate and make available any such User Contents as MATTERS at its discretion sees fit for any purpose.

5.4 You represent and warrant that:

(a) you own and control all rights in and to the User Contents or otherwise have the lawful right to post and distribute such User Contents to or through the Platform;

(b) you have the right to grant such license to MATTERS and its Affiliates and their service providers, and each of their respective licensees, successors and assigns;

(c) all of your User Contents do and will comply with these Terms, the Community Rules and any applicable laws and regulations and will not violate any rights of or cause injury to any person or entity; and

(d) you are responsible for any User Contents you post, and you, not MATTERS, shall be solely responsible for such User Contents, including its legality, reliability, accuracy and appropriateness.

Content Standards

5.5 The Content Standards apply to any and all User Contents and use of the Platform and/or the Services. User Contents must in their entirety comply with all applicable laws and regulations. Without limiting the foregoing, User Contents must not:

(a) contain any material which is defamatory, obscene, indecent, pornographic, violent, hateful, discriminating, threatening or tortuous inflammatory;

(b) promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;

(c) infringe any patent, trade mark, trade secret, copyright or other intellectual property or other rights of any other person; or include any plagiarized Contents;

(d) violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms;

(e) be inaccurate or misleading to any person;

(f) promote any illegal activity, or advocate, promote or assist any unlawful act;

(g) impersonate any person, or misrepresent your identity or affiliation with any person or organization;

(h) involve commercial activities or sales or send any unsolicited advertising or promotional materials or collect the email addresses or other contact information of other Users from the Platform for the purpose of sending commercial messages;

(i) give the impression that they emanate from or are endorsed by MATTERS or any other person or entity, if this is not the case; and/or

(j) contain any contents which MATTERS deems (in its reasonable view) inappropriate for posting on the Platform.

No liability for User Contents

5.6 By posting any User Contents, the User posting such User Contents accepts full legal and moral responsibility of any and all legal claims that are made by any third parties due to MATTERS and/or its Affiliates publishing and using such User Contents. Neither MATTERS nor any of its Affiliates own or endorse any User Contents that are posted on the Platform. The truthfulness, validity and right to use of all User Contents are assumed by the User who posted the User Content, and is not the responsibility of MATTERS. MATTERS disclaims all responsibility and liability for the User Contents posted to the maximum extent permissible by applicable laws and regulations.

5.7 Before posting of your User Contents, you may be provided with options to make known to other Users regarding your preferences of matters relating to your Intellectual Property Rights of your User Contents. For the avoidance of doubt, notwithstanding the availability of any such options, MATTERS and its Affiliates do not assume any liability for any Intellectual Property Rights infringements of your User Contents by any Users or otherwise third parties. MATTERS and/or its Affiliates shall have no duty to attribute authorship of User Content to you, and shall not be obligated to enforce any form of attribution by third parties.

5.8 The Contents presented on or through the Platform is made available solely for general information purposes. MATTERS does not warrant the accuracy, completeness or usefulness of any Contents. Any reliance you place on such information is strictly at your own risk. MATTERS disclaims all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Platform, or by anyone who may be informed of any of its Contents to the maximum extent permissible by applicable laws and regulations.

Monitoring and enforcement

5.9 MATTERS has the right but not obligation to:

(a) hide or refuse to post any User Contents for any or no reason in our sole discretion;

(b) take any action with respect to any User Content that MATTERS deems necessary or appropriate in our sole discretion, including if MATTERS believes that such User Content violates these Terms and/or the Community Rules, threatens the personal safety of Users of the Platform or the public or could create liability for MATTERS;

(c) disclose your identity or other information about you to any third party who claims that any User Contents posted by you violates their rights, including their Intellectual Property Rights or their right to privacy; and

(d) take appropriate legal action, including without limitation, referral to law enforcement authorities, for any illegal or unauthorized use of the Platform.

5.10 Without limiting the foregoing, MATTERS has the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Platform. You waive and hold harmless MATTERS and its Affiliates, and their respective licensees and service providers from any claims resulting from any action taken by any of the foregoing parties during or as a result of its investigations and from any actions taken as a consequence of investigations by either such parties or law enforcement authorities.

5.11 For the avoidance of doubt, MATTERS does not undertake to review any Content before it is posted on the Platform, and cannot ensure prompt hiding of objectionable Contents after it has been posted. Accordingly, MATTERS assumes no liability for any action or inaction regarding transmissions, communications or Contents provided by any User or third party. MATTERS has no liability or responsibility to anyone for performance or non-performance of the activities described in this section.

Linking to the Platform and social media features

5.12 You may link to the homepage of the Platform, provided you do so in a way that is fair and legal and does not damage the reputation of MATTERS or any of its Affiliates or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part.

5.13 The Platform may provide certain social media features that enable you to:

(a) link from your own websites to certain Contents on the Platform;

(b) send e-mails or other communications with certain Content, or links to certain content, on the Platform; and

(c) cause limited portions of Contents on the Platform to be displayed or appear to be displayed on your own websites under the condition that the said Contents on the Platform are accompanied by a link to MATTERS homepage.

5.14 You may use these features solely as they are provided by us and solely with respect to the Contents they are displayed with and otherwise in accordance with any additional terms and conditions MATTERS provides with respect to such features. Subject to the foregoing, you must not:

(a) establish a link from any website that is not owned by you;

(b) cause the Platform or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site;

(d) otherwise take any action with respect to the materials on the Platform that is inconsistent with any other provision of these Terms and/or the Community Rules.

5.15 The website from which you are linking, or on which you make certain User Contents accessible, must comply in all respects with these Terms, the Content Standards and the Community Rules.

5.16 You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. MATTERS reserves the right to withdraw linking permission without notice.

5.17 MATTERS may disable all or any social media features and any links at any time without notice in our discretion.

6. INTELLECTUAL PROPERTY RIGHTS

Intellectual Property Rights of MATTERS

6.1 The Platform contains copyright material, trade names and other proprietary information and the entire Contents of the Platform are protected by copyright law. Unless stated otherwise, the software required for the Services or available at or used by the Platform and the Intellectual Property Rights in the Platform and the Contents on the Platform (save and except User Contents) are owned by MATTERS, its Affiliates and/or their respective licensors, suppliers or service providers. MATTERS and its licensors, own copyright and/or database rights in the selection, coordination, arrangement and enhancement of such Content (save and except User Contents).

6.2 The look and feel of the Platform (in the form of a website or otherwise) is protected by copyright with all rights reserved. You may not duplicate, copy, or reuse any portion of the HTML/CSS, JavaScript, or visual design elements or concepts without the express written permission of MATTERS.

6.3 MATTERS exclusively retains ownership of all rights, title and interest in and to (all Intellectual Property Rights of) the Platform and Contents (including the translated content) save and except User Contents. Any unauthorized use will constitute a material infringement of MATTERS’ Intellectual Property Rights.

Prohibited behavior

6.4 You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works, or in any way exploit, the Platform and the Contents on the Platform, in whole or in part except as provided in these Terms, except as follows:

(a) your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials;

(b) you may store files that are automatically cached by your web browser for display enhancement purposes;

(c) if MATTERS provides desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal use, provided you agree to be bound by our end User license agreement for such applications; and

(d) if MATTERS provides social media features with certain Content, you may take such actions as are enabled by such features.

6.5 You may use information from the Platform for your own personal use only. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded Contents will be permitted without the express permission of MATTERS and that of the copyright owner. In the event of any permitted copying, redistribution or publication of copyright Content, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. You acknowledge that you do not acquire any ownership rights by downloading copyright Content.

6. Trade mark

6.6 The mark “MATTERS” is a trademark of or licensed to MATTERS and/or its Affiliates worldwide (whether registered or not). The name and logo of MATTERS and all related names, logos, product and service names, designs and slogans are trademarks of MATTERS or its Affiliates or licensors. You must not use such marks without the prior written permission of MATTERS.

6.7 Other product and company names identified on the Platform may be the name, trade mark, trade name, service mark, logo, symbol or other proprietary designation of MATTERS, its licensors and/or Affiliates or a third party. The use on the Platform of any name, trade name, trade mark, service mark, logo, symbol or other proprietary designation or marking of or belonging to any third party, and the availability of specific goods or services from such third party through the Platform, should not be construed as an endorsement or sponsorship of the Platform by any such third party, or the participation by such third party in the offering of goods, services or information through the Platform.

Complaint of alleged infringement

6.8 If you believe that any User Contents violate your copyright, please contact us at <ask@matters.town> for instructions on sending us a notice of copyright infringement. MATTERS will review and address all notices that comply with the requirements.

6.9 For the avoidance of doubt, MATTERS does not assume any liability for copyrighted materials provided by third parties or any Intellectual Property Rights infringements by such third parties.

7. ACCOUNT TERMINATION

7.1 MATTERS may suspend (for any duration) or terminate your access to the Platform and/or the Services in its sole discretion, immediately and without prior notice, and delete or deactivate your Account and hide all related User Contents for any reason (including but not limited to your breach of any provision of these Terms and/or the Community Rules) without any responsibility or liability on the part of MATTERS for any loss or damage that may result from such suspension or termination.

7.2 Upon receipt of your written request, MATTERS will, as soon as practicable, terminate your Account and/or hide all your User Contents (as applicable).

7.3 In the event of termination, you will not be able to access your Account (including but not limited to the Stored Value in your Stored Value Wallet). In the event where there is remaining balance in your Stored Value Wallet upon the termination of Account, you must provide MATTERS with written instructions (together with the relevant accurate Stored Value Wallet PIN) to cash-out all remaining balance of Stored Value within thirty (30) calendar days from the termination date in accordance with these Terms. Upon expiration of which, any and all then remaining balance of Stored Value will be forfeited with no liability incurred to you. For the avoidance of doubt, the records held by MATTERS shall be treated as conclusive evidence of the amount of the remaining balance in the Stored Value Wallet.

8. DISCLAIMER

8.1 Nothing in these Terms shall limit liability for personal injury or death caused by negligence, fraud or fraudulent misrepresentation

8.2 Your use of the Platform, its Contents, the Services and any items obtained through the Platform is at your own risk. The Platform, its Content, the Services and any items obtained through the Platform are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. Without limiting the foregoing, neither MATTERS nor anyone associated with MATTERS represents or warrants that the Platform, its Content, the Services and any items obtained through the Platform will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that the Platform or the server that makes it available are free of viruses or other harmful components or that the Platform, the Services and any items obtained through the Platform will otherwise meet your needs or expectations.

8.3 You understand that MATTERS cannot and do not guarantee or warrant that any Contents available for downloading from the Platform will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to the Platform for any reconstruction of any lost data. MATTERS will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Platform, the Services and any items obtained through the Platform or to your downloading of any material posted on it, or on any website linked to it.

8.4 You understand and agree that actions or inactions caused by third parties or external instrumentalities (including without limitation the Internet) may create situations in which connections to the Platform may be impaired or disrupted. While MATTERS will use commercially reasonable efforts to take any actions it deems appropriate to remedy and avoid such events, MATTERS makes no guarantee that such events will not occur and you agree that MATTERS shall have no liability for any breach of these Terms to the extent caused by any such event.

8.5 Unless MATTERS is at fault for intentional or willful misconduct, or gross negligence, MATTERS is not responsible for any failures caused by server errors, misdirected or redirected transmissions, failed internet connections, interruptions in the transmission or receipt of reservations or, any computer virus or other technical defect, whether human or technical in nature.

8.6 The Platform may contain links to web pages and services of third parties (such as reCAPTCHA by Google) (Third Party Contents) and such links and services are provided for your convenience only. MATTERS has no absolute control over any Third Party Contents, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the Third Party Contents linked to the Platform, you do so entirely at your own risk and subject to the terms and conditions of use for such Third Party Contents (including but not limited to the Google Privacy Policy and Terms of Service).

8.7 MATTERS will not be responsible or liable to you for any loss and take no responsibility in relation to loss, inaccessibility or transaction which may arise from the top-up and cash-out transaction(s) provided by third party service provider(s) in relation to your Stored Value, including but not limited to (i) any loss, delay, error or omission which may occur in relation to the transmission; (ii) any exchange control or restriction which may be imposed by applicable laws; (iii) any loss or delay to you arising therefrom in connection with such control or restriction; and/or (iv) any charge which may be imposed by the third party service provider(s).

8.8 MATTERS will not be liable for any matters arising from or in connection with the Stored Value Wallet and/or any loss and expense incurred or suffered by you or any other persons due to any improper or unauthorized use of the Stored Value Wallet. MATTERS has the right to not process any payment or cash-out instructions where it has not been provided with the accurate Stored Value Wallet PIN and/or where it has reasonable grounds to believe that the Stored Value Wallet has been altered or interfered, or a third party has been allowed to alter or interfere, with the data on your Stored Value Wallet. MATTERS has a right to recover reasonable costs, expenses, losses and damages suffered or incurred by MATTERS as a result of thereof. To the extent permissible by applicable laws, MATTERS excludes all loss, damage, cost, expense, liability and penalty arising out of or in connection with the use of the Stored Value Wallet.

8.9 MATTERS will not be responsible or liable to you for any loss and take no responsibility for and will not be liable to you for any loss, damages or claims arising in relation to loss, inaccessibility or transaction which may arise from your use of Third Party Coins or otherwise relating to the Third Party Coins.

8.10 MATTERS hereby disclaims all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for particular purpose.

8.11 You understand and agree that it shall be your sole responsibility to ensure that your use of the Platform and/or the Services is/are in compliance with the applicable laws: (including but not limited to any laws and regulations relating to anti-money laundering activities). Any use of the Platform and/or the Services which is not in compliance with the applicable laws shall not be construed to be published, caused, reproduced, copied, permitted, authorized, agreed, solicited or otherwise endorsed by us. We disclaim all liabilities arising or relating to your use of the Platform and/or the Services which is not in compliance with the applicable laws, including but not limited to any applicable anti-money laundering laws and legislations.

8.12 Clause 8 does not affect any warranties or liabilities which cannot be excluded or limited under applicable laws.

9. LIMITATION OF LIABILITY

9.1 In no event will MATTERS, its Affiliates, their respective licensors, service providers, employees, agents, officers or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use your Account, your Third Party Coins ID (including the Third Party Coins linked under your Account and your Third Party Coins ID), your Stored Value Wallet (including but not limited to loss of Stored Value in the Stored Value Wallet), the Platform and/or the Services, any Content on the Platform or such other websites or any services or items obtained through the Platform or such other websites, including any direct, indirect, special, incidental, consequential or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

9.2 In addition, limitation of or exemption from the aforementioned liability may not be permitted pursuant to the relevant applicable laws. In such case, MATTERS shall bear the liability to the extent set forth in the relevant laws. Claims should be submitted as soon as possible after the occurrence of the event giving rise to the claim.

9.3 You accept and acknowledge that there are risks associated with utilizing the Internet-based Platform and Services including, but not limited to, the risk of failure of hardware, software and Internet connections, the risk of malicious software introduction, and the risk that third parties may obtain unauthorized access to information stored within or associated with your Account, your Third Party Coins ID and Stored Value Wallet, including, but not limited to your Passcode and your Private Key. You accept and acknowledge that MATTERS will not be responsible for any communication failures, disruptions, errors, distortions, or delays you may experience when using the Services, however caused.

9.4 Claims submitted with undue delay may be considered void pursuant to the applicable statute of limitations. Only bona fide claims will be considered. Notwithstanding the above, any cause of action or claim you may have arising out of or relating to these Terms, the Platform and/or the Services must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.

9.5 Without prejudice to the foregoing and insofar as permitted under applicable laws, the aggregate liability of MATTERS to any User shall in no event exceed an amount of USD 150.

10. INDEMNIFICATION

10.1 You agree to indemnify and hold harmless MATTERS from and against any claims, liabilities, damages, losses, and expenses that MATTERS incurs or suffers as a result of any action, inaction or omission by you, including, without limitation, legal and other fees payable or suffered by, or imposed on, MATTERS, its Affiliates, their respective licensors, service providers, employees, agents, officers and/or directors arising out of or in connection with:

(a) access to, use or misuse of the Platform and/or the Services in violation of these Terms, applicable laws and regulations and/or any rights of any third party by you;

(b) any unauthorized activities or actions under your Account, your Third Party Coins ID (including the Third Party Coins linked to your Account and your Third Party Coins ID) and your Stored Value Wallet (including the Stored Value in your Stored Value Wallet), whether or not you have unauthorized or are aware of such activities or actions; and/or

10.2 If you use the Platform and/or the Services for or on behalf of a third party, you are responsible for any error in the accuracy of information provided in connection with such use. In addition, you must inform such third party of all applicable Terms. Each User using the Platform and/or the Services for or on behalf of any third party agrees to indemnify and hold MATTERS and each of its Affiliates (as applicable) harmless from and against any and all liabilities, losses, damages, suits and claims (including the costs of defense), relating to such third party’s or the User’s failure to fulfil any of its obligations as described above.

11. STANDARD TERMS FOR USE OF APPLICATION

11.1 By accessing or using the Platform through mobile application, you acknowledge and agree to be bound by the standard terms imposed by Apple App Store and/or Google Play (as applicable) as amended from time to time.

12. MISCELLANEOUS

12.1 These Terms supersede and replace any and all prior oral or written understandings or agreements between MATTERS and you regarding the Platform and/or the Services.

12.2 You may not assign or transfer these Terms, by operation of law or otherwise, without MATTERS’ prior written consent. MATTERS may assign or transfer these Terms, at its sole discretion, without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of you and MATTERS, the successors, permitted assigns and legal representatives of you and MATTERS respectively.

12.3 Any notices or other communications permitted or required hereunder, including those regarding modifications to these Terms, will be in writing and given by MATTERS via email transmitted.

12.4 The failure of MATTERS to enforce any right or provision of these Terms will not constitute a waiver of future enforcement of that right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of MATTERS. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies thereunder.

12.5 These Terms shall be governed by and construed in accordance with the laws of the State of Delaware. The Parties hereunder irrevocably agrees that the courts of the State of Delaware shall have exclusive jurisdiction in relation to any claim or dispute concerning or arising from these Terms.

12.6 The original English version of these terms and conditions may have been translated into other languages. In the event of a dispute about the contents or interpretation of these Terms or inconsistency or discrepancy between the English version and any other language version of these Terms, the English language version to the extent permitted by law shall apply, prevail and be conclusive.

12.7 These Terms shall be deemed severable. In the event that any provision is determined to be unenforceable or invalid, such provision shall nonetheless be enforced to the fullest extent permitted by applicable law and such determination shall not affect the validity and enforceability of any other remaining provisions. The severed provisions shall be replaced by a provision approximating as much as possible the original wording and intent.

12.8 All complaints, feedback, comments, requests for technical support and other communications in relation to the Platform shall be directed to <ask@matters.town>.

隐私政策

更新日期：2020 年 7 月 18 日

本隐私政策（隐私政策）最后更新于上述日期，并且将不时更新。本隐私政策的任何变更将于公布本政策的修订政策后生效。本隐私政策旨在告知所有用户，MATTERS LAB LIMITED（以下简称「MATTERS」）将如何处理个人信息与非个人信息。如有用户不同意本隐私政策中的任何一部分，则MATTERS将无法向此类用户提供服务，而此类用户也应当停止访问服务。

1. 定义

所有术语的定义都在用户协议中列出，除非在此另有定义：

MATTERS, INC. 是指负责收集、保存、处理或使用个人信息的公司；

GDPR 的定义参见本隐私政策第9.2条；

个人信息是指由MATTERS从用户处收集，或者由MATTERS以其他方式保存的涉及能够识别出个人身份的任何个人信息，其中包括姓名、联系方式、电子邮件地址、年龄、性别、护照或第三方货币帐户信息或其他能身份证明的文件资料、包括脸书、微信、谷歌、微博和Stripe在内的第三方网站中的信息或帳戶资料、其他的注册、帳戶、银行帳戶或个人资料信息、帳戶注册期间提交的任何个人说明、以及根据本隐私权政策由用户提供的或与用户相关的信息；

非个人信息是指由MATTERS采集，并通过将其与其他人的个人信息结合（将一个用户的信息与另一个用户的信息结合）或者通过删除个人信息中能够识别用户身份的特征信息（例如用户姓名）的方式（对信息进行去个人化），使其无法识别具体个人的这类个人信息。

2. 由MATTERS进行的个人信息采集

2.1 MATTERS将要求其所有用户自愿地向其提供个人信息，用于本隐私政策第4.2条中规定的目的。

2.2 另外，当用户使用某些功能的服务时，MATTERS可以接收、储存和处理不同类型的包含特殊信息（例如移动设备上用于访问服务的GPS功能）的用户位置信息。如果用户不希望他们的设备向MATTERS提供位置信息，他们可以禁用设备上的GPS或者其他的位置跟踪功能。

3. 个人信息的准确性和MATTERS对个人信息的保留

3.1 MATTERS将接收、储存和处理用户在评估和使用服务时提供的个人信息，并且将采取适当的措施来保护其收集和/或持有的个人信息，以防止未经许可或意外的访问、处理、删除、丢失、使用或泄露信息。

3.2 为了保护个人信息，MATTERS将要求所有用户（或如适用法律所定义的其各自相关人员）在请求访问和/或修改其个人信息时证明其身份。访问和修改个人信息的请求应当以书面形式提交并發送至 <ask@matters.town> 。MATTERS应当收取合理的费用以抵销MATTERS在处理相关数据访问请求时所产生的管理和实际成本费用。如果有合理的理由相信某个人信息不准确，则MATTERS应当采取可行的措施以确保此个人信息不被使用，除非并且直到这个理由不再适用于此类个人信息或者此个人信息被删除。

3.3 如果MATTERS持有的某个人信息不再被需要用于本隐私政策第4.2条中所规定的使用目的，MATTERS应当采取切实可行的措施，在合理可行的条件下尽快停止处理此类个人信息，但如果MATTERS被合理请求保留数据用于（i）存档目的；（ii）任何实际或潜在的争议；（iii）遵守相关的法律法规；（iv）执行MATTERS和其用户之间的任何协议；以及（v）保护MATTERS和其员工的权利、财产和安全，则MATTERS有权保留此个人信息的副本。MATTERS将采取切实可行的措施来保证其保留此个人信息的时间不会超过出于上述目的（包括直接或间接目的）所需要的保留时间。

3.4 为避免疑义，MATTERS有权无限期地保留、处理和使用非个人信息。

4. MATTERS对个人信息的使用

4.1 如果法律要求，MATTERS将就其修改使用或公开个人信息方式的事宜向其用户（或如适用法律所定义的其各自相关人员）请求同意，但是如果用户在此类修改后继续使用服务则代表他们接受了修订后的声明并且声明生效。

4.2 MATTERS对个人数据的收集、使用和保留仅限于以下特定且合法的目的：

(i) 使用户能够访问和使用服务；

(ii) 处理用户有关储值钱包的指示；

(iii) 与用户沟通，用于包括但不限于关于服务以及处理用户请求与投诉，向用户提供技术、管理、运营和帳戶信息；

(iv) 联系用户以实施关于用户服务体验的调查和客户评价；

(v) 运营、保护、改进和优化服务，改善与个性化用户服务体验；

(vi) 根据用户的兴趣或其他指示向用户提供量身定制的内容；

(vii) 管理MATTERS的业务，进行与服务相关的新功能、新服务和新应用的研究与开发；

(viii) 向用户发送其可能感兴趣的个人资讯、广告信息以及其他信息（单独，或者与MATTERS的附属公司或合作伙伴提供的功能和/或服务和应用一起），此条必须满足以下条件，即用户提供了适用法律要求的同意书；

(ix) 行使MATTERS的法律上和/或合同上的权利和义务，解决MATTERS、用户和第三方之间的争端；

(x) 为了创建一般统计数据而导出、创建或以其他方式转移其至非个人信息中；

(xi) 为了MATTERS的内部业务和管理目的；

(xii) 为了MATTERS遵守相关法律法规；

(xiii) 直接与上述相关的其他目的。

4.3 为避免疑义，MATTERS有权收集、持有、处理和使用非个人信息，用于与MATTERS的功能和活动（包括但不限于用于改进MATTERS服务和业务的研究和分析）相关的任何合法目的。

5. 个人信息的公开与传输

5.1 MATTERS可以向其附属公司提供某些特定的个人信息，用于本隐私权政策第4.2条中规定的目的，其附属公司可以位于美国境内或者境外，并且均受本隐私权政策的约束。

5.2 MATTERS可以向位于美国境内或境外的以下人员提供某些特定的个人信息：（i）数据储存服务提供商，目的仅限于储存MATTERS不时收集的数据；（ii）战略合作伙伴，包括但不限于（a）邮件公司和电子邮件服务提供商，目的仅限于邮寄和发送广告宣传资料；（b）托管与数据库管理服务提供商，包括但不限于星际文件系统IPFS；（iii）服务供应商和MATTERS指定提供服务的其他第三方，包括但不限于谷歌云端服务、亚马逊云端服务、虚拟货币运营商等，根据合同规定所有第三方（x）禁止将个人信息用于其合同中规定的用途以外的任何目的，以及保留个人信息时间长于其合同中规定用途所需的时间；（y）应当阻止未经授权或意外的访问、处理、删除、丢失或使用个人信息。一旦发现个人信息不准确，应当通知第三方，并且提供详情，以便第三方能够更正个人信息。个人信息不会出于营销目的与第三方共享。

5.3 根据本隐私政策第5条，用户一旦接受本隐私政策，则代表其承认、理解并同意，他或她的个人信息可能会被公开或转移给附属公司和/或任何此类第三方（和其员工与代表）。

5.4 当MATTERS重组其组织结构或改变其管理或业务合作时，每位用户的个人信息可由MATTERS基于本隐私权政策或者其他隐私权声明（需要告知每一位用户）自行决定转移给接任数据控制工作或者提供类似服务的第三方。在与此类收购与重组相关时，此类第三方可以位于美国外，并于美国外使用用户个人信息。

6. 电子邮件、广告和取消订阅

6.1 只有当用户提供了适用法律要求的同意书时（内容表明他们特别明确地为了接收直接营销信息，希望从MATTERS处接收广告内容，并且向MATTERS提供他们的联系方式），MATTERS才可以使用此用户的个人信息与此用户联系，并提供此用户可能感兴趣的商品和服务信息（单独，或者与MATTERS的附属公司或合作伙伴提供的功能或服务和应用一起）。

6.2 MATTERS给予其用户取消所有推广信息订阅的权利。MATTERS应在每一封推广营销的电子邮件中，向用户提供取消未来订阅的选项。另外，用户也可以在任何时候通过发送邮件给 <ask@matters.town>.来取消订阅推广内容，不需要向MATTERS付费。

6.3 MATTERS给予其用户请求从其数据存储中删除他们个人信息的权利。用户可以通过发送电子邮件至 <ask@matters.town> 的方式书面提出请求。为避免疑义，MATTERS有权无限期地、出于任何目的地保留、处理和使用任何非个人信息。

7. 第三方社交媒体网站的隐私政策

7.1 由于我们的服务可能会从第三方社交媒体网站，比如脸书、微信、谷歌和微博收集用户信息，并支持此类第三方社交媒体网站提供的产品和功能，因此此类第三方社交媒体网站的被不时修订的隐私政策、实际操作与Cookies政策（如适用）将通过引用（如适用）合并入本隐私政策。

8. COOKIES

8.1 用户理解并承认，当他们使用服务时，MATTERS有可能使用Cookie文件来收集他们的信息，同时他们理解并同意，在使用服务时通过Cookie收集的任何信息都有可能是个人信息。MATTERS可以使用这些信息来统计有关用户如何使用服务的数据。收集此类数据的目的是管理、提高和改善用户的服务使用体验。

8.2 用户可以通过更改网页浏览器的设置来选择「不接受」Cookie。如果选择「不接受」Cookie，用户将有可能无法访问或使用服务中的一部分功能。

9. 跨境数据转移

9.1 在适用的情况下，用户理解并承认其个人信息可能会被转移、处理和储存在特定地区。这些地区的数据保护法可能与用户所在国家的数据保护法不同。在适用的情况下，用户同意通过使用服务将其信息（包括个人信息）转移，处理和存储到/在本隐私政策所规定的管辖范围内。

9.2 用户理解并承认，个人信息的收集不属于欧盟《通用数据保护条例》2016/679（GDPR）的范畴。如果任何拥有司法权的法庭或法院对此秉持：（i）收集个人信息属于GDPR的范畴；和（ii）数据被转移至的国家不属于被GDPR认可的能提供充足的个人信息保护能力的国家，用户理解并承认MATTERS应当使用被欧盟委员会认可的数据传输机制传输个人信息，以提供个人信息的充分保护。

10. 安全保障

10.1 用户理解并同意，他们应采取措施确保其帐户，储值钱包，第三方货币帐户和密码不受损害。用户应确保他们不会有意或无意地共享，提供或鼓励未经授权使用此类信息。

11. 法律免责声明

11.1 MATTERS有义务遵守适用法律关于个人信息管理的要求，保护其保有的个人信息的隐私性、机密性和安全性。当受相关法律或法庭判令要求，或者受其他政府或执法机构请求时，MATTERS有可能需要公开个人信息。同样适用的情况还有，当有理由相信，为了对有意地或无意地对其用户或其他人造成妨碍的人进行识别、调查、保护、联络或起诉，而有必要公开其个人信息时，或者当任何人因其行为而受到伤害时。

11.2 用户理解并承认，MATTERS从不会以使用服务为理由要求用户与其他用户共享其私钥。

11.3 用户理解并承认，本隐私政策不适用于任何由用户通过服务或任何其他方式提供给MATTERS的非强制提供信息。所有非强制提供的信息将被看作非机密信息，MATTERS可以自由地复制、使用、公开和向其他人发送此类信息，没有限制或归属。

11.4 用户理解并承认，用户发布与转发内容的风险由用户自己承担。虽然MATTERS会限制用户对某些页面的访问，但用户承认没有任何安全措施是完美的万无一失的。另外，用户理解并承认，MATTERS无法控制其用户选择与谁共享内容。因此，用户理解并承认，MATTERS不能也不保证其用户内容一定不会被未经授权的人浏览。

11.5 MATTERS和服务的网站可能包含其他网站或应用程序的链接。用户理解并承认，MATTERS和服务的网站上包含其他网站、应用程序或广告的链接，并不代表MATTERS认可或授权此类第三方收集用户个人信息，也不代表MATTERS与此类第三方之间有任何业务关系。用户理解并承认，一旦用户点击与访问此类网站、应用程序或广告的链接，这些网站、应用程序和广告有可能会收集他们的个人信息。用户理解并承认，这些第三方网站、应用程序和广告在收集、使用、处理或公开用户提交的个人信息时，遵循的是不同于本隐私政策的其他规则。因此，用户理解并承认，MATTERS不会对任何第三方进行的用户个人信息的收集、使用、处理或公开的行为负责。

Privacy Policy

Last updated: 18 July, 2020

This privacy policy (the Privacy Policy) was last updated on the date above and shall be updated from time to time. Any changes to this Privacy Policy will become effective upon posting of the revised policy hereunder. This Privacy Policy is intended to inform all Users about how the Data Controller treats Personal Information and Non-personal Information. If any User does not agree with any part of this Privacy Policy, then the Data Controller cannot provide the Services to such User, and such User should stop accessing the same.

1. DEFINITIONS

Capitalized terms shall be as defined in the terms and conditions unless otherwise herein defined:

Data Controller mean Matters, Inc., the company responsible for the collection, holding, processing or use of Personal Information;

GDPR is as defined in clause 9.2 of this Privacy Policy;

Personal Information means information collected from the Users by the Data Controller or otherwise held by the Data Controller, relating to any personal information that can be used to identify such Users as individuals, including among others, names, contact details, email addresses, age, gender, passport or other identification document details, information or Third Party Coins ID or account details in third-party sites, including Facebook, WeChat, Weixin, Google, Weibo and Stripe, other registration, account, bank account information or profile information and any other such personal description provided during registration of the Account, and any information provided by or in relation to such Users pursuant to this Privacy Policy; and

Non-personal Information means any such Personal Information which the Data Controller takes and makes it non-personally identifiable, either by combining it with information about other individuals (aggregating one User’s information with another User’s information), or by removing characteristics (such as User’s name) that make the information personally identifiable to such User (hence de-personalizing the information).

2. COLLECTION OF PERSONAL INFORMATION BY THE DATA CONTROLLER

2.1 The Data Controller will request all its Users to voluntarily provide it with Personal Information for purposes set out in clause 4.2 of this Privacy Policy.

2.2 In addition, when Users use certain features of the Services, the Data Controller may receive, store and process different types of information about such Users’ location, including specific information (e.g. GPS-based functionality on mobile devices used to access the Services). If Users do not want their devices to provide the Data Controller with location-tracking information, they can disable the GPS or other location-tracking functions on their devices.

3. ACCURACY AND RETENTION OF PERSONAL INFORMATION BY THE DATA CONTROLLER

3.1 The Data Controller will receive, store and process Personal Information that the Users make available when assessing or using the Services. It will take appropriate steps to protect Personal Information collected and/or held by it against unauthorized or accidental access, processing, erasure, loss, use or disclosure.

3.2 In order to protect the Personal Information, the Data Controller will require all Users (or their respective relevant persons as defined under applicable laws) to prove their identities in relation to their requests to access and/or correct their Personal Information. Requests for access and correction of Personal Information are to be addressed in writing and sent to <ask@matters.town>. A reasonable fee shall be charged to offset the Data Controller’s administrative and actual costs incurred in complying with the relevant data access requests. Where there are reasonable grounds for believing that any Personal Information is inaccurate, the Data Controller shall take practicable steps to ensure that the Personal Information shall not be used unless and until those grounds cease to be applicable to such Personal Information or the Personal Information shall be erased.

3.3 Where any Personal Information held by the Data Controller is no longer required for the purposes as stated under clause 4.2 of this Privacy Policy, the Data Controller shall take practicable steps to cease processing such Personal Information as soon as reasonably practicable, provided that the Data Controller may keep copies of such Personal Information as is reasonably required (i) for archival purposes; (ii) for use in relation to any actual or potential dispute; (iii) for compliance with applicable laws and regulations; (iv) for enforcing any agreement the Data Controller has with such User; and (v) for protecting the Data Controller’s and its employees’ rights, property or safety. The Data Controller will take practicable steps to ensure such Personal Information will not be kept longer than is necessary for the fulfillment of the above purposes (including direct or indirect purposes).

3.4 For the avoidance of doubt, the Data Controller is entitled to retain, process and use, for indefinite term, any Non-personal Information.

4. USE OF PERSONAL INFORMATION BY THE DATA CONTROLLER

4.1 The Data Controller will seek its Users’ (or their respective relevant persons as defined under applicable laws) express consents to changes in how it uses or discloses their Personal Information if requested by law, but otherwise use of the Services following such changes constitutes their acceptances of the revised statement then in effect.

4.2 The Data Controller limits the collection (which shall be adequate and not excessive), use and retention of the Personal Information to the following specific and lawful purposes only:

(i) to enable and provide its Users with access and use of the Services;

(ii) to process instructions from its Users in relation to their Stored Value Wallet;

(iii) to communicate with its Users, including but not limited to, for provision of technical, administrative, operational and account information regarding the Services, and handling of their requests and complaints;

(iv) to contact its Users to conduct surveys and customer review about their experiences with the Services;

(v) to operate, protect, improve and optimize the Services and to improve and customize the Users’ experiences when using the same;

(vi) to offer tailored content to the Users in accordance with their interests or other indications;

(vii) to administer the business of the Data Controller and conduct research and development for new features, services and applications in relation to the Services;

(viii) only when its Users have provided the consents required under applicable laws), to send such Users personal newsletters, marketing and promotional messages and other information (either alone or in conjunction with features and/or services and applications offered by the Data Controller’s Affiliates or business partners) that may be of interest to such Users;

(viii) to enforce the Data Controller’s legal and/or contractual obligations and rights, and to resolve disputes between the Data Controller and the Users and third parties;

(ix) to derive, create or otherwise transfer the same into Non-personal Information for the purpose of creating general data statistics;

(x) for the Data Controller’s internal business and administrative purposes;

(xi) for the Data Controller’s compliance of relevant laws and regulations; and

(xii) other purposes directly relating to any of the above.

4.3 For the avoidance of doubt, the Data Controller is entitled to collect, retain, process and use the Non-personal Information for any lawful purpose which shall be relating to the function and activity of the Data Controller, including but not limited to researching and analyzing to improve the Data Controller’s services and businesses.

5. DISCLOSURE AND TRANSFER OF PERSONAL INFORMATION

5.1 The Data Controller may make certain Personal Information available to its Affiliates for the purposes as stated under clause 4.2 of this Privacy Policy, who may be situated within or outside the United States and all of whom are bound by this Privacy Policy.

5.2 The Data Controller may make certain Personal Information available to below persons, who may be situated within or outside the United States: (i) data storage service providers, for the sole purpose of storing data which the Data Controller collected from time to time; (ii) strategic business partners, including but not limited to (a) mail houses and email service providers, for the sole purpose of mailing and dissemination of its promotional materials; and (b) hosting and database management service providers, including but not limited to IPFS; and (iii) suppliers of the Services and other third parties appointed by the Data Controller to perform the Services, including but not limited to Google Cloud Service, Amazon Web Service, cryptocurrency operator, all of whom are contractually (x) prohibited from using the Personal Information for any purpose other than for the purpose(s) specified in their respective contracts and keeping Personal Information longer than is necessary for the fulfillment of such purpose(s) specified in their respective contracts; and (y) required to prevent unauthorized or accidental access, processing, erasure, loss or use of the Personal Information. Such third parties shall be informed if the Personal Information is discovered to be inaccurate and shall be provided with such particulars as will enable such third party to correct the Personal Information having regard to such purpose(s). Personal Information will not be shared with third parties for their own marketing purposes.

5.3 By accepting this Privacy Policy, each User acknowledges, understands and agrees that his or her Personal Information may be disclosed or transferred to Affiliates and/or any such third parties (and their respective employees and representatives) under clause 5 of this Privacy Policy.

5.4 In the circumstances where the Data Controller reorganizes its group structure or undergoes a change of control or business combination, each User’s Personal Information may, at the Data Controller’s sole discretion, be transferred to a third party who will continue to operate the Data Controller or a similar service under either this Privacy Policy or a different privacy policy statement which will be notified to each User. Such a third party may be located, and use of Users’ Personal Information may be made, outside of the United States in connection with such acquisition or reorganization.

6. EMAILS AND PROMOTIONS AND OPTING OUT

6.1 Only when Users have provided the consents required under applicable laws (including indicating that they would like to receive promotional materials from the Data Controller and providing their contact details to the Data Controller specifically and expressly in order to receive direct marketing communications), the Data Controller may use the Personal Information of such Users to contact such Users and provide information about goods and services (either alone or in conjunction with products or services offered by the Data Controller’s Affiliates or business partners) that may be of interest to such Users.

6.2 The Data Controller provides its Users with the ability to unsubscribe from all marketing communications. Every time a User receives a direct marketing email, he/she will be provided with the choice to opt-out of future direct marketing emails. Users may also opt-out of receiving promotional materials by sending an email to <ask@matters.town> or at any time, without charge by the Data Controller.

6.3 The Data Controller provides its Users with the ability to request removal of their Personal Information from its storage. Users may lodge such request in writing by sending an email to <ask@matters.town>. For the avoidance of doubt, the Data Controller is entitled to retain, process and use, for an indefinite term and any purpose, any Non-personal Information.

7. THIRD-PARTY SOCIAL MEDIA SITES’ PRIVACY POLICIES

7.1 Since the Services may collect information of Users from third-party social media sites, such as Facebook, WeChat, Weixin, Google and Weibo, and support products and features offered by such third-party social media sites, the privacy policies and practices and cookies policies (as applicable), as may be amended from time to time, of such third-party social media sites are incorporated to this Privacy Policy by reference (as applicable).

8. COOKIES

8.1 Users understand and acknowledge that when they use the Services, the Data Controller may use cookie files to collect information about such Users. When Users use the Services, they understand and agree that any information collected by means of cookies when using the Services about them would be Personal Information. The Data Controller may use such information for compiling aggregate statistics on how Users use the Services. Such statistics are collected for managing, enhancing and improving the Users’ experiences when using the Services.

8.2 Users may choose to “not accept” cookies by changing the settings of their web browsers. By choosing to “not accept” cookies, certain features in the Services may not be accessible and available to such Users.

9. CROSS-BORDER DATA TRANSFER

9.1 Where applicable, the Users understand and acknowledge that their Personal Information may be transferred to, processed, and stored in certain locations where the data protection laws may differ from those in the Users’ country of residence. Where applicable, the Users consent to the transfer, process and storage of their information, including Personal Information, to/in the jurisdictions as set forth in this Privacy Policy by using the Services.

9.2 The Users understand and acknowledge that it is contemplated that the collection of Personal Information shall not fall within the regulation of the General Data Protection Regulation (EU) 2016/679 (GDPR). If it is held by any tribunal or court of competent jurisdiction that: (i) the collection of Personal Information falls within the GDPR; and (ii) the transfer of Personal Information is to countries not deemed to provide an adequate level of personal information protection under the GDPR, the Users understand and acknowledge that the Data Controller shall transfer the Personal Information based on a data transfer mechanism recognized by the European Commission as providing adequate protection for personal information.

10. SECURITY ASSURANCE

10.1 The Users understand and agree that they should take steps to ensure that their Account, Stored Value Wallets, Third Party Coins ID and Passcodes are not compromised. The Users should ensure that they do not knowingly or accidentally share, provide or facilitate unauthorized use of such details.

11. LEGAL DISCLAIMER

11.1 The Data Controller is committed to protecting the privacy, confidentiality and security of the Personal Information it holds by complying with the requirements of applicable laws with respect to the management of Personal Information. The Data Controller may need to disclose Personal Information when required by the relevant law or court order, or as requested by other government or law enforcement authorities. This also applies when it has reasons to believe that disclosing the Personal Information is necessary to identify, investigate, protect, contact or bring legal action against someone who may be causing interference with its Users or to others, whether intentionally or otherwise, or when anyone else could be harmed by such activities.

11.2 The Users understand and acknowledge that the Data Controller never ask the Users to share with other Users their Private Keys for their use of the Services.

11.3 The Users understand and acknowledge that this Privacy Policy does not apply to any unsolicited information they provide to the Data Controller through the Services or through any other means. All unsolicited information shall be deemed to be non-confidential and the Data Controller shall be free to reproduce, use, disclose, and distribute such unsolicited information to others without limitation or attribution.

11.4 The Users understand and acknowledge that their User Contents are posted on and transmitted to others at their own risk. Although the Data Controller limits access to certain pages, the Users acknowledge that no security measures are perfect or impenetrable. Additionally, the Users understand and acknowledge that the Data Controller cannot control the actions of other Users with whom the Users may choose to share their User Contents. Therefore, the Users understand and acknowledge that the Data Controller cannot and do not guarantee that their User Contents will not be reviewed by unauthorized persons.

11.5 The website of the Data Controller and the Services may contain links to other websites or applications. The Users understand and acknowledge that the fact that the website of the Data Controller and the Services link to a website, application or advertisement does not mean that the Data Controller endorses or authorizes the collection of personal information from the Users of such third parties, nor does it constitutes a representation of any affiliation between the Data Controller and such third parties. The Users understand and acknowledge that, once the Users click on a link to third-party websites, applications or advertisements, they will access third-party websites, applications and advertisements which may collect information from such Users. The Users understand and acknowledge that such third-party websites, applications and advertisements follow different rules regarding the collection, use, processing or disclosure of the personal information such Users submit to them. Hence, the Users understand and acknowledge that the Data Controller shall not be responsible for any collection, use, processing or disclosure of personal information of Users by such third parties.