Terms of Use and Service

About Risora

Risora is a mobile application designed to help people unlock their human potential. We transform self-discovery into a personalized, gamified development journey by combining AI, behavioral insights, and interactive learning. By turning self-knowledge into a daily practice, Risora helps users unlock the power of their personality through an engaging, intelligent, and transformative experience.

Risora is a self-development and entertainment product. It is not a medical device, therapy, or a substitute for professional psychological, psychiatric, or medical care. Personality and psychometric results are for personal insight only and do not constitute a clinical diagnosis or assessment.

IMPORTANT NOTICE REGARDING AUTOMATIC RENEWALS

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

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

• If you subscribed or started a free trial via the App Store/Google Play, refund requests are handled directly by Apple/Google Play. You can submit a request following the instructions on the Apple Support page.
• If you subscribed or started a free trial via our website, please contact our support team at support@risora.io for assistance.

Deleting the app does not cancel your subscription or trial. If you intend to cancel, ensure you follow the appropriate cancellation process for your platform. You may also wish to take a screenshot of this notice for future reference. More details can be found in our Subscription Policy.

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

BINDING ARBITRATION & DISPUTE RESOLUTION

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

• You agree to resolve disputes with us through final and binding arbitration, rather than in court, except for certain limited exceptions.
• You waive your right to file a lawsuit or participate in a class action lawsuit against us.
• You may opt out of the arbitration agreement by following the process outlined in Section 12.

Please read this section carefully, as it significantly affects your legal rights.

1. ACCEPTANCE OF TERMS

The provisions of the “Terms” govern the relationship between you and Fulcrum Rocks LLC (reg. 2020-000938841) with a registered office at 30 N Gould St Ste R, Sheridan, WY 82801, USA. (“we”, “us”, “our” or the “Company”) regarding your use of the Company’s mobile applications, websites, devices and related services (the “App” or “Service”), including all information, text, graphics, software, and services, available for your use (the “Content”).

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

These Terms were originally drafted in English. Any translation of these Terms from the English version is provided for your convenience only. If there is any conflict between the English language version of these Terms and a version translated into another language, the English-language version will prevail.

Additional Terms and Policies

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

Changes to these Terms

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

Unless stated otherwise, we will indicate updates by revising the "Last Updated" date of these Terms. You acknowledge and agree that it is your responsibility to review the Terms regularly for any updates. Unless specified otherwise, the updated Terms take effect once posted on the Service. By continuing to use the Service after the updates become effective, you agree to the revised Terms. If you do not agree, you must stop using the Service immediately, delete your account and cancel your subscription.

Changes to the Service

We may also update, change, suspend or discontinue the Service (or any part, content or feature) at any time, without notice and without liability to you or anyone else (for example, to offer or test new or different features, technologies, or services, to repair, improve or further develop the Service, to comply with legal, regulatory or contractual requirements, or in response to exceptional or unforeseen circumstances). Some services and features may not be available in all countries, in all languages, or in all operating systems.

2. PAYMENT PROCESSING

The Service may be distributed to you by our authorized merchants of record, resellers, or agents.

If your purchase of the Product is processed by any of our authorized merchants of record, resellers, or agents, then for the purposes of these Terms, the term "Company" shall be interpreted to include such merchant of record, reseller, or agent (as applicable) solely for payment processing purposes.

3. ACCOUNT REGISTRATION

Creating an Account

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

Your Responsibilities

By creating an Account, you represent and warrant that: (1) the information you provide is truthful, accurate, and up to date; (2) You will update your Account information as needed to keep it accurate; (3) Your use of the Service complies with all applicable laws, regulations, and these Terms.

Failure to provide or maintain accurate information may impact the functionality of the Service, and we may be unable to notify you of important updates.

Age Restriction

The Service is intended for users aged 18 and older. By creating an Account, you confirm that you are at least 18 years old and have the legal authority to enter into and comply with these Terms. If you are under 18, you are prohibited from using the Service.

Account Suspension or Termination

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

Account Security

You are responsible for maintaining the confidentiality of your Account credentials, including login details and passwords, and for all activity conducted under your Account. You may not sell, rent, lease, share, or provide access to your Account to anyone else, including without limitation, charging anyone for access to your Account. The Company reserves all available legal rights and remedies to prevent unauthorized use of the Service, including but not limited to technological barriers, IP mapping, and, in serious cases, directly contacting your Internet Service Provider (ISP) regarding such unauthorized use. If you suspect unauthorized access or a security breach, you must notify us immediately at support@risora.io.

We are not liable for any loss, unauthorized transactions, or damage resulting from access to your Account due to your failure to protect your credentials. It is your responsibility to use secure passwords and take necessary precautions to prevent unauthorized access.

Duplicate Accounts

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

Account Succession

In the event of your death or legal incapacity, your Account will not be transferred to any third party. Upon receiving verified documentation of your death or incapacity (such as a death certificate or court order), we reserve the right to terminate your Account and cancel any active subscriptions. No refunds will be issued for any unused portion of a subscription. If you wish to notify us of such circumstances, please contact us at support@risora.io.

4. USE OF THE SERVICE

Ownership and Intellectual Property

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

License to Use the Service

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

User-Generated Content

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

User Reviews and Testimonials

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

You acknowledge and agree that:

1. The Company is not obligated to use, display, or maintain any Review and may remove or edit Reviews at its discretion. 2. The Company may use Reviews in conjunction with your publicly displayed username, profile picture, or other identifying information (if available), unless you request anonymity in writing. 3. The Company is not responsible for the content of Reviews posted by users and does not endorse any opinions expressed therein.

If you wish to request the removal of a Review that you have submitted, you may contact the Company at support@risora.io.

User Responsibilities and Rights

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

Once submitted, User Content may remain accessible even if removed by you. If you wish to revoke the granted license for specific User Content, you may contact support@risora.io. However, any prior use of the content will not be affected. The Company is not responsible for storing or maintaining copies of removed User Content and is not liable for any loss incurred due to its removal.

Content Moderation and Restrictions

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

Intellectual Property Infringement Reports

If you believe that any content available through the Service infringes your intellectual property rights, please notify us at legal@risora.io with the following information:

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

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

Prohibited Conduct

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

Service Availability and Modifications

The Company reserves the right to modify, suspend, or discontinue any aspect of the Service at any time without liability. Certain features may not be available in all regions or on all devices. If a modification impacts your use of the Service, you may cancel your subscription or delete your account.

In order to use the Product, you need to have a smartphone running a clean, updated, and officially supported version of the iOS or Android operating system.

Also please make sure you are using the latest version of your web browser when accessing the Website, as that will help prevent security problems and ensure all the Website features work for you.

Risks and Disclaimer of Liability

Your use of the Service is at your own risk. The Company does not guarantee the accuracy, reliability, or fitness of any content provided. We are not responsible for loss of data, device malfunctions, or technical failures, any reliance on personality, behavioral, or psychometric insights, recommendations, or test results within the Service, or personal injury, financial loss, or any legal claims arising from your use of the Service.

Customer Support

Customer support services are provided at the Company’s discretion. While we may assist users, there is no obligation to provide support or respond to inquiries. If you require assistance, contact support@risora.io, and we will respond as reasonably possible.

5. THIRD-PARTY SERVICES, MATERIALS, AND ADVERTISING

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

No Endorsement or Responsibility

By using the Service, you acknowledge that the Company does not endorse, verify, or assume responsibility for the accuracy, legality, quality, or reliability of any Third-Party Services or Third-Party Materials. Some of this content may be objectionable, offensive, or misleading, and the Company is not liable for any exposure to such material. Any interactions, transactions, or agreements you engage in with third parties through the Service are solely between you and the respective third party. The Company bears no responsibility for any disputes, losses, or issues that may arise from these interactions.

Third-Party Links and Advertising

The Service may include advertisements, sponsored content, or links to third-party websites that are not owned or controlled by the Company. Clicking on third-party links or engaging with external services does not establish any endorsement, affiliation, or sponsorship between the Company and the third party. Any engagement with such content is at your own risk. It is your responsibility to review and comply with the terms, policies, and privacy practices of third-party services before using them. The Company disclaims any liability for how third parties collect, process, or use your data.

No Liability for Third-Party Content

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

Use of Third-Party Services at Your Own Risk

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

If you encounter harmful, misleading, or offensive third-party content while using the Service, you may report it to the Company. However, the Company is not obligated to investigate, remove, or take action against third-party content unless required by law.

6. SUBSCRIPTION FEES AND PAYMENT

Subscription Options and Purchases

The Service offers subscription-based access to its features and content, which may be purchased either directly from the Company through the Website ("Web Purchase") or via an App Store and Google Play ("In-App Purchase"). All applicable subscription fees, billing terms, and durations (e.g., weekly, monthly, quarterly, annually) will be displayed on the payment screen or at checkout before payment authorization. Our pricing may vary depending on your region, selected plan, bundle, or subscription length, seasonal promotions, and applicable discounts. Some limited features of the Service may be available free of charge, but full access requires a paid subscription.

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

Purchases and Payment Processing

Upon completing the onboarding process on the Website or in the App, you will be presented with available subscription options, their pricing, durations, and accepted payment methods (e.g., Mastercard, Visa, PayPal, Apple Pay, Google Pay). By selecting a subscription and authorizing the payment, you instruct the applicable payment processor or App Store/Google Play to charge your selected payment method. Once the payment is validated, you will receive access to the Service.

For Web Purchases, payments are handled by third-party payment processors, which you authorize to charge your selected payment method. These processors handle transaction processing and notify us of successful payments. For In-App Purchases, payments are processed by the App Store/Google Play, and their respective terms and policies govern the transaction.

Auto-Renewal and Subscription Continuity

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

By proceeding with a subscription, you acknowledge that charges will be applied periodically based on the selected billing cycle. The renewal rate will be no more than the rate for the immediately prior subscription period, excluding any promotional (introductory) and discount pricing, unless we notify you of a rate change prior to your auto-renewal.

For Web Purchases, cancellation must be completed through the Website’s account settings or by following the cancellation instructions provided at the time of purchase. For In-App Purchases, cancellation must be done through the respective App Store/Google Play account settings. Deleting the App does not cancel your subscription.

Add-On Items and Additional Services

In addition to your subscription, you may have the option to purchase add-on items such as premium content, consultations, or supplementary features. These add-ons may be one-time purchases or recurring charges. Canceling your main subscription will also cancel any associated recurring add-ons, but canceling an add-on alone does not affect your primary subscription.

Refunds

If you subscribed or started a free trial via the App Store/Google Play, refund requests are handled directly by Apple/Google. You can submit a request following the instructions on the Apple Support or Google Play Support pages. App Store/Google Play refunds are subject to their respective policies.

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

Right of Withdrawal for the EU and UK Residents

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

To exercise your right of withdrawal, you must notify us by email at support@risora.io stating your decision to withdraw from the contract. While you may use the model withdrawal form provided below, it is not mandatory. Your withdrawal request will be considered valid if sent before the 14-day withdrawal period expires.

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

If you have expressly consented to the immediate supply of the Service before the expiration of the withdrawal period and acknowledged that you will lose your right to withdraw, you will not be eligible for a refund for any digital content that has already been delivered. In the case of digital services, you may be eligible for a proportional refund, based on the portion of the Service provided before your withdrawal request. If this provision applies, we will provide you with confirmation of your prior express consent and acknowledgment on a durable medium.

Model Withdrawal Form

To: Risora, email: support@risora.io

Subject: Exercise of Right of Withdrawal

I hereby notify you of my withdrawal from the contract for the purchase of the following service:

Service Name:

Date of Purchase / Free Trial Start:

Full Name:

Email Address:

Payment Method Used: Date of Request:

(Signature required if submitted by mail)

Chargebacks and Payment Disputes

If you wish to request a refund for a payment made using a reimbursable method, such as a credit or debit card, we strongly encourage you to contact us first at support@risora.io before initiating a chargeback with your payment provider. This allows us the opportunity to review your request and attempt to resolve the issue directly. If a chargeback or dispute has already been initiated with your bank or payment provider, we may be unable to process a refund while the case is under review. The dispute resolution process typically takes 15 to 30 days, depending on your bank or payment provider. Once the case is closed and the status is updated in our system, we will be able to review your refund request.

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

Initiating a chargeback or reversing a payment through your bank or payment provider may result in the immediate termination of your account at our sole discretion, as it indicates that you have determined you no longer wish to use our Service. If a chargeback is overturned in our favor, you may contact support@risora.io to discuss reinstating your account.

As outlined in our Privacy Policy, your personally identifiable information may be shared with our payment processor to assist in responding to chargeback requests.

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

Free Trials and Promotional Offers

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

We do not guarantee reminders before the trial expires. It is your responsibility to track the trial period and cancel if you do not wish to continue. The Company reserves the right to modify, revoke, or restrict trial eligibility at any time.

We may also from time to time offer discounted offers that automatically renew at the full price without a discount after the end of the discount period. However, we are under no obligation to offer such trials and does not guarantee their availability.

We may, in our sole discretion, apply promotional pricing, discounts, coupons, or other reductions to the subscription fee for any user or billing period; such reductions may be individualized, time-limited, and subject to additional terms, do not obligate us to offer the same to you or others, and, unless expressly stated otherwise, will not apply retroactively or result in refunds for prior charges.

Promotional Codes

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

Changes to Subscription Fees

To the maximum extent permitted by applicable law, we may modify subscription fees at any time. If notification is required under applicable law, we will inform you of pricing changes in the manner and timeframe mandated by regulations. Where no specific timeframe is prescribed, we will provide notice by posting the updated prices in the App, sending an email notification, or using other prominent communication methods. The revised pricing will take effect as specified in the notice.

If you do not agree to the updated fees, you may cancel your subscription before the new pricing takes effect or refrain from prepaying for continued access to the Service.

Failure to Pay and Service Termination

If a payment is declined or not received when due, we may notify you to update your payment method. However, if the issue is not resolved, we reserve the right to suspend or terminate your access to the Service without further notice. Any content, data, or personalized settings associated with your account may be lost, and we are not responsible for restoring them.

7. USER REPRESENTATION AND RESTRICTIONS

By accessing or using the Service, you confirm that:

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

If any information you provide is false, misleading, outdated, or incomplete, we reserve the right to deny or terminate your current or future access to the Service.

Permitted Use of the Service

The Service is made available for its intended purposes only. You may not use the Service for any unauthorized, commercial, or competitive activities unless expressly approved by us.

Prohibited Conduct

You agree not to engage in the following activities when using the Service:

• Collecting, scraping, or systematically retrieving data or other content from the Service to create a database, compilation, or directory without our express permission.
• Using the Service for any unauthorized purposes, including modifying, adapting, improving, or creating derivative works from the Service.
• Using the Service for commercial or revenue-generating endeavors, unless explicitly approved by us.
• Making the Service accessible over a network that allows multiple devices or users to access it simultaneously, unless permitted.
• Developing, launching, or using the Service to create a competing product, service, or software.
• Using any of our proprietary information, intellectual property, or interfaces to develop, license, or distribute applications, accessories, or other related products.
• Circumventing, disabling, or interfering with security features of the Service.
• Framing, embedding, or linking to the Service without authorization.
• Interfering with or disrupting the Service, networks, or servers connected to the Service, or creating an undue burden on our infrastructure.
• Decompiling, disassembling, reverse-engineering, or otherwise attempting to access the source code of any part of the Service.
• Bypassing or attempting to bypass access restrictions or security measures implemented in the Service.
• Uploading, transmitting, or distributing malware, viruses, worms, trojans, or other harmful software that could damage the Service or others' devices.
• Using, launching, or distributing any automated system (e.g., bots, spiders, scrapers, cheat utilities) to access or interact with the Service.
• Sending unsolicited commercial emails or engaging in spam-related activities.
• Using the Service or any test results, personality types, or related content for any business-related assessment, including, but not limited to, pre-employment screening, recruitment, hiring, promotion, termination, employee evaluation, performance management, or any other employment-related or human-resources purpose.
• Using the Service to assess, screen, evaluate, profile, diagnose, or make decisions about any person other than yourself, whether in a personal, professional, educational, or commercial context.
• Using the Service for clinical, diagnostic, therapeutic, or research purposes, or as a substitute for professional psychological, psychiatric, medical, or other specialized assessment or advice.
• Engaging in any activity that may harm, tarnish, or damage the reputation of the Company or the Service.
• Using the Service in violation of any applicable laws or regulations.

Respectful Conduct Towards Customer Support

We expect all users to interact with our customer support team in a respectful and professional manner. If at any time your communication or behavior is deemed harassing, abusive, threatening, or offensive, we reserve the right to terminate your account immediately.

8. DISCLAIMER OF WARRANTIES

General Disclaimers

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

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

IN PARTICULAR, WE DO NOT WARRANT THAT:

• The Service will meet your expectations or requirements;
• The Service will be uninterrupted, secure, error-free, or free from technical issues;
• The results obtained from using the Service will be accurate, reliable, or error-free;
• The quality of any content, features, or services will meet your expectations;
• Any defects or errors will be corrected promptly or at all.

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

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

No Professional or Medical Advice

ANY INFORMATION OR STATEMENTS AVAILABLE THROUGH THE SERVICE, INCLUDING PERSONALITY TYPES, TEST RESULTS, BEHAVIORAL INSIGHTS, AND ANY RELATED CONTENT, ARE FOR INFORMATIONAL, EDUCATIONAL, AND ENTERTAINMENT PURPOSES ONLY. THEY ARE NOT INTENDED TO REPLACE OR SUBSTITUTE FOR PROFESSIONAL FINANCIAL, MEDICAL, PSYCHOLOGICAL, PSYCHIATRIC, LEGAL, OR OTHER SPECIALIZED ADVICE.

THE COMPANY DOES NOT REPRESENT OR WARRANT THAT ANY INFORMATION PROVIDED THROUGH THE SERVICE IS RELIABLE, COMPLETE, OR SUITABLE FOR YOUR SPECIFIC NEEDS. YOU ACKNOWLEDGE THAT ANY DECISIONS MADE BASED ON INFORMATION PROVIDED THROUGH THE SERVICE ARE YOUR SOLE RESPONSIBILITY, AND IF YOU REQUIRE PROFESSIONAL ADVICE, YOU SHOULD CONSULT A QUALIFIED SPECIALIST.

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

Nature of Personality and Psychometric Content

THE SERVICE IS A GAMIFIED PSYCHOMETRIC PRODUCT. ANY PERSONALITY TYPES, TEST RESULTS, BEHAVIORAL INSIGHTS, OR SIMILAR CONTENT PROVIDED THROUGH THE SERVICE ARE GENERATED ON THE BASIS OF INFORMATION YOU PROVIDE AND ARE INTENDED FOR YOUR PERSONAL EXPLORATION ONLY. THEY DO NOT CONSTITUTE A MEDICAL, PSYCHOLOGICAL, PSYCHIATRIC, OR CLINICAL DIAGNOSIS, ASSESSMENT, OR EVALUATION OF ANY KIND.

THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, OR SCIENTIFIC VALIDITY OF ANY PERSONALITY ASSESSMENT, TEST RESULT, OR RELATED CONTENT. RESULTS SHOULD NOT BE REGARDED AS, OR RELIED UPON AS BEING, A COMPREHENSIVE OR DEFINITIVE OPINION OR ASSESSMENT OF YOUR PERSONALITY, CHARACTER, ABILITIES, MENTAL HEALTH, OR PSYCHOLOGICAL WELL-BEING.

ANY DECISIONS YOU MAKE ON THE BASIS OF TEST RESULTS OR OTHER CONTENT PROVIDED THROUGH THE SERVICE — INCLUDING, WITHOUT LIMITATION, DECISIONS REGARDING EDUCATION, EMPLOYMENT, CAREER, RELATIONSHIPS, FINANCES, OR HEALTH — ARE YOUR SOLE RESPONSIBILITY, AND THE COMPANY SHALL HAVE NO LIABILITY FOR THE CONSEQUENCES OF ANY SUCH DECISIONS. WHERE YOU HAVE ANY CONCERNS ARISING OUT OF YOUR USE OF THE SERVICE, YOU SHOULD SEEK APPROPRIATE PROFESSIONAL ADVICE.

GAMIFIED ELEMENTS OF THE SERVICE (INCLUDING, BUT NOT LIMITED TO, LEVELS, POINTS, BADGES, ACHIEVEMENTS, AND PROGRESS INDICATORS) ARE PROVIDED FOR ENGAGEMENT AND ENTERTAINMENT PURPOSES ONLY. THEY HAVE NO MONETARY VALUE, DO NOT REPRESENT ANY CLINICAL, PROFESSIONAL, OR SCIENTIFIC EVALUATION, AND DO NOT CREATE ANY OBLIGATION ON THE COMPANY.

Accuracy of Content

THE COMPANY DOES NOT ASSUME ANY LIABILITY FOR INACCURACIES, ERRORS, OR OMISSIONS IN ANY CONTENT, INFORMATION, OR MATERIALS AVAILABLE THROUGH THE SERVICE. YOU ARE ENCOURAGED TO INDEPENDENTLY VERIFY ANY INFORMATION PROVIDED THROUGH THE SERVICE BEFORE RELYING ON IT. THE QUALITY, ACCURACY, AND COMPLETENESS OF CONTENT ARE NOT GUARANTEED AND MAY CHANGE WITHOUT NOTICE.

Individual Results and Testimonials

WE MAKE NO GUARANTEES CONCERNING THE LEVEL OF SUCCESS YOU MAY EXPERIENCE FROM USING THE SERVICE, AND YOU ACCEPT THE RISK THAT RESULTS WILL DIFFER FOR EACH INDIVIDUAL. ANY TESTIMONIALS, SUCCESS STORIES, OR EXAMPLES THAT MAY BE PROVIDED THROUGH THE SERVICE REPRESENT EXCEPTIONAL RESULTS THAT DO NOT APPLY TO THE AVERAGE USER AND ARE NOT INTENDED TO REPRESENT OR GUARANTEE THAT ANY USER WILL ACHIEVE THE SAME OR SIMILAR RESULTS. PAST RESULTS DESCRIBED ON THE SERVICE ARE NOT NECESSARILY INDICATIVE OF FUTURE OUTCOMES. THE COMPANY CANNOT GUARANTEE YOUR FUTURE RESULTS AND EXPRESSLY DISCLAIMS ANY LIABILITY FOR SUCCESS OR FAILURE DIRECTLY OR INDIRECTLY RELATED TO YOUR USE OF THE SERVICE.

Personalization

THE SERVICE MAY OFFER PERSONALIZED RECOMMENDATIONS, PLANS, OR CONTENT BASED ON INFORMATION YOU PROVIDE DURING REGISTRATION OR ONBOARDING. WHILE WE MAKE REASONABLE EFFORTS TO TAILOR THE SERVICE TO YOUR INDIVIDUAL NEEDS, WE MAKE NO GUARANTEE THAT SUCH PERSONALIZED CONTENT IS DESIGNED UNIQUELY FOR YOU OR THAT IT IS BASED ON ALL INFORMATION YOU HAVE PROVIDED. PERSONALIZED RECOMMENDATIONS ARE NOT INTENDED TO REPLACE PROFESSIONAL ADVICE AND SHOULD BE USED AT YOUR OWN DISCRETION.

Service Modifications and Updates

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

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

We are not responsible for any loss or inconvenience resulting from modifications, suspensions, or discontinuations of any part of the Service.

Consumer Protection and Non-Waivable Rights

Nothing in these Terms shall exclude or limit any consumer rights that cannot be waived under applicable law. If you are entitled to statutory rights under the laws of your country of residence, those rights remain unaffected by these disclaimers.

9. LIMITATION OF LIABILITY

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

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

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY SHALL NOT BE LIABLE TO YOU FOR ANY EMOTIONAL, PSYCHOLOGICAL, OR MENTAL DISTRESS, ANXIETY, FRUSTRATION, EMBARRASSMENT, OR ANY OTHER EMOTIONAL OR PSYCHOLOGICAL HARM ARISING FROM OR IN CONNECTION WITH YOUR USE OF THE SERVICE, ANY TEST RESULTS, OR ANY CONTENT PROVIDED THROUGH THE SERVICE, EXCEPT TO THE EXTENT THAT SUCH HARM IS CAUSED BY OUR NEGLIGENCE OR CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation of Aggregate Liability

NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, PRODUCTS, OR CONTENT SHALL BE LIMITED TO THE TOTAL AMOUNT PAID BY YOU TO US FOR ACCESS TO THE SERVICE DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR IF GREATER, ONE HUNDRED EURO (€ 100).

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

Waiver of Unknown Claims (California Residents)

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

"A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."

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

Jurisdiction-Specific Exceptions

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

IF ANY REMEDY SET FORTH IN THESE TERMS IS FOUND TO HAVE FAILED ITS ESSENTIAL PURPOSE, ALL REMAINING LIMITATIONS OF LIABILITY SHALL STILL APPLY. ADDITIONAL CONSUMER RIGHTS MAY APPLY DEPENDING ON YOUR JURISDICTION.

10. INDEMNIFICATION

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

• User Content, including any claims that such content infringes upon third-party rights or violates applicable laws.
• Your breach of these Terms, whether by you or anyone using your account or device.
• Your access to or use of the Service, including any actions taken on the platform.
• Your violation of any applicable law, regulation, or third-party rights, including intellectual property, privacy, or proprietary rights.
• Any claims related to property damage, personal injury, bodily harm, or death resulting from your use of the Service in violation of these Terms.

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

11. INTERNATIONAL USE

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

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

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

12. INFORMAL DISPUTE RESOLUTION PROCEDURES

PLEASE READ THIS PROVISION CAREFULLY TO ENSURE THAT YOU UNDERSTAND—THIS SECTION CONTROLS HOW DISPUTES BETWEEN YOU AND THE COMPANY WILL BE ADDRESSED.

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

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

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

Mandatory Pre-Filing Notice Procedure

You and we agree that good faith, informal efforts to resolve disputes often result in a faster, inexpensive outcome. Therefore, if you intend to assert a claim for any Dispute (as defined above) against the Company, you must first send the Company a written notice of the Dispute (“Notice”) that gives the Company some basic information about you and the Dispute. Any Notice must include (i) your name, address, and email address, (ii) a detailed description of your Dispute; (iii) any relevant facts regarding your use of the Website and Service (including your account ID, profile screenshots, and anything else that will help us identify your account; (iv) a detailed description of the relief you are seeking, including a calculation of any money damages you are seeking; and (v) a personally signed statement from you (and not your attorney) verifying the accuracy of the information in Notice. The Notice must be individualized, meaning it can concern only your dispute and no other person’s dispute. If you are filling out a Notice for another person, you must include all information described above, and also a statement describing your relationship to the person and why the person is unable to fill out the Notice for themselves.

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

Avoryn Limited

Georgoiou A, 83, Shop 17, Potamos Germasogeias, Limassol, 4047, Cyprus

Attention: Legal

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

After we receive a Notice, you and us agree to engage in good faith efforts to resolve the Dispute between us for a period of 60 days through informal negotiation. The 60-day period can be extended if you and we agree that such an extension is likely to lead to resolution. As part of the informal negotiation process, you and we agree that we will both attend at least one individualized video conference (”Video Conference”). The Video Conference can be via Zoom, Microsoft Teams, WhatsApp, or any other similar platform that you and we agree on and that we both have access to. The Video Conference can be held after the 60-day period, if necessary. If you are represented by an attorney in your Dispute, your attorney may participate in the Video Conference, but you are still required to attend and participate in good faith. The Company is also required to participate in the Video Conference by sending one or more of its representatives, and the Company may also send one or more of its attorneys. If you are unable to participate in the Video Conference by video, you may attend telephonically if you certify in writing that circumstances exist that prevent you from appearing by video (such as your lack of access to phone with a working camera or your inability to connect to a stable internet connection). You and we agree that we (and our attorneys, if represented) shall work cooperatively to schedule the Video Conference at the earliest mutually-convenient time after we receive a Notice. You and we also agree to use our best efforts to resolve the Dispute at the Video Conference. If you and we cannot resolve the issues identified in the Notice within 60 days after the completed Notice is received (or a longer time if agreed), you or we may commence an arbitration proceeding or a small claims court proceeding. Compliance with these Informal Dispute Resolution Procedures is Mandatory and Pre-Filing Notice procedures (including the Video Conference requirement) are a condition precedent to initiating any arbitration or small claims court action. Failure to follow the procedures is a breach of this Arbitration Agreement.

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

All offers, promises, conduct, and statements made in the course of the Mandatory Pre-Filing Notice process by any party, its agents, employees, and attorneys are confidential and not admissible for any purpose in any subsequent proceeding (except as required to certify in writing that the Mandatory Pre-Filing Notice procedures were completed before submitting a demand for arbitration). Evidence that is otherwise admissible or discoverable shall not be rendered inadmissible or non-discoverable by this section.

Small Claims Court

Subject to applicable jurisdictional requirements and Mandatory Pre-Filing Notice requirements explained above, you or the Company may elect to pursue a Dispute in a local small claims court rather than through arbitration, so long as the matter remains in small claims court and proceeds only on an individual basis. If a party has already submitted an arbitration demand, the other party may, in its sole discretion, inform the arbitral forum that it chooses to have the Dispute heard in small claims court. At that time, the arbitral forum will administratively close the arbitration and the Dispute will be heard in the appropriate small claims court, with no fees due from the arbitration respondent.

What is Arbitration?

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

CLASS ACTION AND JURY TRIAL WAIVER

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

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

• THE ARBITRATOR MAY ONLY AWARD FINAL RELIEF IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE FINAL RELIEF WARRANTED BY THAT INDIVIDUAL PARTY’S CLAIM.
• THE ARBITRATOR MAY NOT AWARD FINAL RELIEF FOR, AGAINST, OR ON BEHALF OF ANYONE WHO IS NOT A PARTY TO THE ARBITRATION ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS.

IF A COURT DETERMINES THAT ANY OF THE PROHIBITIONS IN THIS PARAGRAPH ARE UNENFORCEABLE FOR A PARTICULAR CLAIM OR REQUEST FOR RELIEF, AND ALL APPEALS OF THAT DECISION ARE AFFIRMED AND SUCH DECISION BECOMES FINAL, THEN YOU AND THE COMPANY AGREE THAT THAT PARTICULAR CLAIM OR REQUEST FOR RELIEF SHALL PROCEED IN COURT BUT SHALL BE STAYED PENDING INDIVIDUAL ARBITRATION OF THE REMAINING CLAIMS FOR RELIEF THAT YOU HAVE BROUGHT. IF THIS SPECIFIC PARAGRAPH IS FOUND TO BE UNENFORCEABLE, THEN THE ENTIRETY OF THIS ARBITRATION PROVISION (EXCEPT FOR THE JURY TRIAL WAIVER AND THE INFORMAL DISPUTE RESOLUTION PROCEDURE) SHALL BE NULL AND VOID.

Arbitration Procedure

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

If NAM is unavailable or unwilling to do so, another arbitration provider shall be selected by the parties that will do so, or if the parties are unable to agree on an alternative administrator, by the court pursuant to 9 U.S.C. §5.

You and we agree that the party initiating arbitration must submit a written certification that they have complied with and completed the Mandatory Pre-Filing Notice and Informal Dispute Resolution Procedures requirements enclosed with any demand for arbitration. The demand for arbitration and certification must be personally signed by the party initiating arbitration (and their attorney, if represented). The arbitration will be in English. A single independent and impartial arbitrator will be appointed remotely pursuant to the NAM Rules, as modified herein. You and the Company agree to comply with the following rules, which are intended to streamline the dispute resolution process and reduce the costs and burdens on the parties: (i) the arbitration will be conducted online and/or be solely based on written submissions, the specific manner to be chosen by the party initiating the arbitration; (ii) the arbitration will not require any personal appearance by the parties or witnesses unless otherwise mutually agreed in writing by the parties or the arbitrator decides that a formal hearing is necessary.; and (iii) any judgment on the award the arbitrator renders may be entered in any court of competent jurisdiction.

If an in-person hearing is required and you reside in the United States, the hearing will take place in either Delaware, unless the arbitrator determines that this would pose a hardship for you, in which case the in-person hearing may be conducted in the claimant’s state and county of residence. If you reside outside the United States, the site of any in-person hearing will be determined by the NAM Rules.

The award of the arbitrator will be in writing and will include a statement setting forth the reasons for the disposition of any claim. The arbitrator will apply the laws of the State of Florida in conducting the arbitration. You acknowledge that these terms and your use of the Service evidences a transaction involving interstate commerce. The United States Federal Arbitration Act will govern the interpretation, enforcement, and proceedings.

The Arbitrator is bound by and shall adhere to this Arbitration Agreement. In the event NAM Rules conflict with this Arbitration Agreement, the terms of this Arbitration Agreement shall control. If the Arbitrator determines that strict application of any term of this Arbitration Agreement would result in a fundamentally unfair arbitration, then the Arbitrator shall have the authority to modify such term to the extent necessary to ensure a fundamentally fair arbitration that is consistent with efficient and inexpensive resolution of Disputes.

Unless you and Сompany otherwise agree, the arbitration will be conducted virtually via video or teleconference.

Decision of the Arbitrator

Barring extraordinary circumstances, the arbitrator will issue their decision within 120 days from the date the arbitrator is appointed. The arbitrator may extend this time limit for an additional 30 days in the interests of justice. All arbitration proceedings will be closed to the public and confidential, and all records relating thereto will be permanently sealed, except as necessary to obtain court confirmation of the arbitration award. The award of the arbitrator will be in writing and will include a statement setting forth the reasons for the disposition of any claim.

The arbitration award is binding only between you and the Company and will not have any preclusive effect in another arbitration or proceeding that involves a different party.

Fees

The payment of arbitration fees (the fees imposed by the arbitration administrator including filing, arbitrator, and hearing fees) will be governed by the applicable NAM Rules, unless you qualify for a fee waiver under applicable law. If after exhausting any potentially available fee waivers, the arbitrator finds that the arbitration fees will be prohibitive for you as compared to litigation, we will pay as much of your filing, arbitrator, and hearing fees in the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive, regardless of the outcome of the arbitration, unless the arbitrator determines that your claim(s) were frivolous or brought for an improper purpose or asserted in bad faith.

You and we agree that arbitration should be cost-effective for all parties and that any party may engage with NAM to address the reduction or deferral of fees.

Confidentiality

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

Settlement Offers and Offers of Judgment

At least ten (10) calendar days before the date set for the arbitration hearing, you or the Company may serve a written offer of judgment upon the other party to allow judgment on specified terms. If the offer is accepted, the offer with proof of acceptance shall be submitted to the arbitration provider, who shall enter judgment accordingly. If the offer is not accepted prior to the arbitration hearing or within thirty (30) calendar days after it is made, whichever occurs first, it shall be deemed withdrawn, and cannot be given as evidence in the arbitration. If an offer made by one party is not accepted by the other party, and the other party fails to obtain a more favorable award, the other party shall not recover their post-offer costs and shall pay the offering party’s costs from the time of the offer (which, solely for purposes of offers of judgment, may include reasonable attorneys’ fees to the extent they are recoverable by statute, in an amount not to exceed the damages awarded).

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

Additional Procedures for Mass Arbitration Filings

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

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

Global Mediation in Mass Filings. Following the resolution of the Initial Test Cases, the parties agree to engage in a global mediation of all the remaining individual arbitration claims comprising the Mass Filing (“Global Mediation”), deferring any filing costs associated with the non-Initial Test Cases until the Initial Test Cases and subsequent Global Mediation have concluded. After the final awards are provided to the mediator in the Initial Test Cases, the mediator and the parties shall have 90 days to agree upon a substantive methodology and make an offer to resolve the outstanding cases. If the Parties are unable to resolve the outstanding claims during the Global Mediation, the Parties may choose to opt out of the arbitration process and proceed in court with the remaining claims. Notice of the opt-out shall be provided in writing within 60 days of the close of the Global Mediation. Absent notice of an opt-out, the arbitrations may then be filed and administered by the arbitration provider. You and we also acknowledge that any applicable statute of limitations shall be tolled pending resolution of the global mediation process.

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

Opting Out of this Arbitration Agreement

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

New Users. Users who create an account with the Company for the first time on or after May 22, 2026 may opt out of this Arbitration Agreement.

Method and Impact of Opting Out. Subject to the above, you may opt out of this Arbitration Agreement by sending written notice of your decision to opt out to: support@risora.io, (1) within 31 days after the Arbitration Agreement became effective, as indicated in the “Last Updated” date of the terms, (2) you first use of the Services. Your notice must include:

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

If you opt out of this Arbitration Agreement, all other parts of the terms and any other agreements between you and the Company will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may currently have, or may enter in the future, with us.

Arbitration Agreement Survival. This Arbitration Agreement will survive the termination of your relationship with the Company, including any revocation of consent or other action by you to end your participation in the Service or any communication with the Company.

Severability: If any portion of this Arbitration Agreement is found to be void, invalid, or otherwise unenforceable, then that portion shall be deemed to be severable and, if possible, superseded by a valid, enforceable provision, or portion thereof, that matches the intent of the original provision, or portion thereof, as closely as possible. The remainder of this Arbitration Agreement shall continue to be enforceable and valid according to the terms contained herein.

13. GOVERNING LAW AND JURISDICTION

The laws of the State of Florida, excluding its conflicts of law rules, govern these Terms and your use of the Service.

Your use of the Service may also be subject to other local, state, national, or international laws. To the extent that any action relating to any dispute hereunder is shall be brought in a court of law, such action will be subject to the exclusive jurisdiction of the state and federal courts located in Delaware, and you hereby irrevocably submit to personal jurisdiction in such courts, and waive any defence of inconvenient forum.

14. EEA OR UK RESIDENTS

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

If you have a complaint, please contact us at support@risora.io. If you feel your complaint is not adequately addressed you may – but are not obliged to – submit a complaint to an alternative dispute resolution (ADR) body in your country. You can find a list of EU-approved ADR bodies here. Other than as set out in these Terms or required by law, the Company does not participate in any alternative dispute resolution scheme.

The Company does not participate in any alternative dispute resolution scheme, except as required by law.

If a dispute arises under these Terms, you may bring legal proceedings before the competent courts of your habitual residence in the EEA or UK, and these courts shall have exclusive jurisdiction over the dispute. The Company shall also submit any disputes to the courts in your country of habitual residence. These Terms, the Service, and any dispute between you and the Company shall be governed by the laws of England and Wales, excluding its conflict of law provisions.

15. CALIFORNIA RESIDENTS

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

16. LIMITATION ON CLAIMS PERIOD

You agree that, regardless of any statute or law to the contrary or any applicable dispute resolution process, any claim or cause of action arising from or related to the use of the Service or these Terms must be filed within one (1) year from the date the claim or cause of action first arose. Failure to do so will result in your claim being permanently barred.

The provisions of this section, titled “Limitation on Claims Period”, constitute a separate legally binding agreement between you and the Company.

17. MISCELLANEOUS PROVISIONS

No failure or delay by the Company in exercising any of its rights under these Terms shall be deemed a waiver of such rights, nor shall any partial exercise of rights prevent the further enforcement of those or any other rights under these Terms. A waiver of any provision shall not constitute a waiver of any subsequent breach or default.

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remainder of these Terms shall remain in full force and effect. The invalid or unenforceable provision shall be modified or replaced to the extent necessary to make it valid and enforceable while maintaining the intent of the parties to the fullest extent permitted by law.

These Terms constitute the entire agreement between you and the Company regarding the subject matter herein and supersede all prior agreements, understandings, and representations, whether written or oral.

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

The Company utilizes third-party providers to facilitate various operational and technical functions, including but not limited to payment processing, customer support, security enhancements, and data management. By using the Service, you acknowledge and agree that these third-party service providers may assist in delivering the Service and enhancing its functionality.

The Company shall not be liable for any failure or delay in complying with these Terms where such failure arises from circumstances beyond its reasonable control, including but not limited to force majeure events, legal or regulatory changes, cyberattacks, or unforeseen operational disruptions.. All provisions of these Terms which by their nature should survive termination, including but not limited to provisions relating to ownership and intellectual property, disclaimers of warranties, limitations of liability, indemnification, and dispute resolution, shall survive termination.

All communications between you and the Company, including notices, disclosures, and agreements, shall be conducted electronically. You acknowledge that electronic communications, including emails, platform notifications, and digital agreements, hold the same legal weight as written documents and constitute a legally binding contract. By clicking buttons labelled "CONTINUE," “BUY WITH GOOGLE PAY”, “BUY WITH APPLE PAY”, “I ACCEPT”, “I AGREE”, “BUY”, “PAY”, “ADD TO YOUR PLAN” or similar links or buttons you affirm your intent to be legally bound by these Terms and acknowledge that your electronic submission constitutes a valid electronic signature.

Telephone and SMS Communications

By entering your telephone number on our Service, you expressly agree to receive communications at that number as required for the purposes identified above from us, our agents, representatives, affiliates, or business partners, via e-mail, SMS or text messages, phone calls, and push notifications. You further expressly agree that these communications, including phone calls, SMS or text messages, may be generated using automated technology, such as an automatic telephone dialing system, or artificial or prerecorded voice, and even if your telephone number(s) is listed on any Do-Not-Call lists.

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

We will use your mobile number in accordance with our Privacy Policy. You represent that for the telephone number(s) that you have provided to us, you are the current subscriber or customary user and that you have the authority to provide the consent described above to be contacted at such number(s). You agree to promptly alert us whenever you stop using a particular telephone number. Standard charges may apply to the receipt of these calls or text messages. You are responsible for those charges.

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

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

Contact Information

For general inquiries or support, you may contact us at: 📧 support@risora.io For legal matters, please contact our legal department at:

📧 legal@risora.io For privacy-related inquiries, please contact our data protection team at:

📧 legal@risora.io To ensure you receive our communications, please add our support email address to your contact book and whitelist it as a "safe" or "approved" sender. Please note that if our email is filtered as spam, junk, or bulk mail and is not displayed in your inbox, this does not affect the validity or deemed receipt of any notification sent to you.

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

18. NOTICE REGARDING APPLE

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

Acknowledgment. These Terms are between you and the Company only, not with Apple. Apple is not responsible for the Service or its content.

Scope of License. The license granted to you is personal, limited, non-exclusive, and non-transferable, permitting you to install and use the Service only on iOS devices you own or control, strictly for personal, non-commercial purposes and subject to Apple’s App Store Terms of Service.

Maintenance and Support. The Company is solely responsible for providing any maintenance or support services related to the Service, as required under these Terms or applicable law. Apple has no obligation to provide maintenance or support for the Service.

Warranty Disclaimer. The Company is solely responsible for any warranties, whether express or implied, to the extent not effectively disclaimed. If the Service fails to conform to an applicable warranty, you may notify Apple, and Apple will refund your purchase price. To the maximum extent permitted by law, Apple has no further warranty obligations regarding the Service.

Claims and Liability. The Company, not Apple, is solely responsible for addressing any claims related to:

(i) Product liability;

(ii) Failure to conform to legal or regulatory requirements;

(iii) Consumer protection or similar claims related to the Service or your use of it.

Intellectual Property Rights. If a third party claims that the Service, or your use of it, infringes their intellectual property rights, the Company (not Apple) is responsible for handling such claims, including investigation, defense, settlement, or resolution. Third-Party Terms of Agreement. Your use of the Service must comply with any applicable third-party agreements that may be affected by your use of the Service.

Legal Compliance. By using the Service, you represent and warrant that:

(a) You are not located in a country subject to a U.S. Government embargo or designated as a “terrorist-supporting” country.

(b) You are not listed on any U.S. Government list of prohibited or restricted parties.

Third-Party Beneficiaries. Apple and its subsidiaries are third-party beneficiaries of these Terms. By accepting these Terms, you acknowledge that Apple has the right to enforce them against you.

Contact Information. For any questions, complaints, or claims related to the Service, please contact us as specified in Section 17 (Contact Information).

Family Sharing. The Company expressly authorizes the use of the Service by multiple users through Family Sharing or any similar functionality provided by Apple.

19. NOTICE REGARDING GOOGLE PLAY

If you access the Service via Google Play, operated by Google Inc. or one of its affiliates (“Google”), you acknowledge that you have read, understood, and agree to the following:

If there is any conflict between:

(a) The Google Play Terms of Service and Google Play Business and Program Policies, or other terms Google designates as default end-user license terms for Google Play ("Google Play Terms"); and

(b) These Terms,

Then the Google Play Terms shall govern with respect to your use of the Service downloaded from Google Play.

You acknowledge that Google is not responsible or liable for compliance or non-compliance with these Terms or Google Play Terms, whether by you, the Company, or any other user.