Disclosure

CoinZoom Terms of Use, Risk Disclosure and Privacy Policy

Revision History: Previous Mar. 9, 2021 This Version Dated Mar. 15, 2021

Evolve Bank's Privacy Policy (U.S. Customers Only)

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY USING THE COINZOOM PLATFORM YOU AGREE TO BE BOUND BY THESE TERMS OF SERVICE INCLUDING THE ARBITRATION CLAUSE, WHICH REQUIRES YOU TO ARBITRATE DISPUTES AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF. 

TERMS OF SERVICE 

These Terms of Service constitute the entire agreement and understanding with respect to the use of any or all of the Services, and any manner of accessing them via the Site, between you and one of the following Parties: CoinZoom, Inc. (if you are a U.S. Resident or are located outside of the U.S. (except Australia) and make a deposit, withdrawal, or transfer of Fiat or Digital Tokens to, from, or through any U.S. Financial Institution to facilitate the provision of any of the Services) or CoinZoom Australia PTY LTD. (if you are located in Australia), (collectively "CoinZoom", "us", "our", or "we"). 

These Terms of Use ("Agreement" or "Terms of Use") should be read carefully before using the services ("Service" or "Services") offered by CoinZoom, which provides a marketplace for digital currency buyers ("Buyers") and sellers ("Sellers") and by its CoinZoom affiliates, or accessing the website of CoinZoom. This Agreement sets forth the legally binding terms and conditions for your use of the website at www.CoinZoom.com ("Site") and the services owned and operated by CoinZoom (with the Site, the "Service" or "Services"). By using the Site or Service or submitting any information to us, you consent to and agree to be bound by this Agreement, the Privacy Policy (as is posted to our Site, which explains how we collect and use information from visitors to our Site), and all other operating rules, policies and procedures that may be published by CoinZoom from time to time on the Site, each of which is incorporated by reference and each of which may be updated by CoinZoom from time to time without notice to you. 

Your use of the Site is governed by the version of this Terms of Use in effect on the date of use. Your continued use of and access to the Site constitutes your acknowledgement of, and agreement to, the then current Terms of Use and to having reviewed the most current version of the Terms of Use. You also agree to the electronic delivery of any applicable tax forms and documents to the email address listed on file. Furthermore, please note that the terms and conditions of this Agreement are in addition to any other agreements between you and CoinZoom, including any customer or account agreements, and any other agreements that govern your use of products, services, content, tools and information available on the Site. This Agreement does not alter in any way the terms or conditions of any other agreements you may have with CoinZoom for the Service or otherwise. If you do not agree to all the terms of this Agreement and/or CoinZoom's Privacy Policy including the electronic delivery of any applicable tax forms and documents to the email address listed on file, you are not eligible to participate in CoinZoom's Service or otherwise use this Site. This Agreement applies to all users of the Site or Service, who in any way use the Site or Service provided by CoinZoom ("Users," "you," "your"). 

CoinZoom is regulated in multiple jurisdictions and is required to collect and verify information about you to prevent fraud, terrorist activity and money laundering pursuant to applicable Know Your Customer (KYC), Anti-Money Laundering (AML) and Counter Terrorist Finance (CTF) laws and rules. In addition to the identity information required during the sign-up process, CoinZoom may require additional information for you to transfer assets or engage in transactions beyond certain limits or frequency. For example, for "Travel Rule" requirements, CoinZoom will retain for transfers out of the CoinZoom Exchange the following information: your name, account number, physical address, financial institution, amount, date and the identity of the recipient's financial institution. CoinZoom reserves the right, in its sole discretion, to delay or cancel any transfers lacking necessary compliance information. CoinZoom is prohibited from transacting with individuals, companies and countries that are on prescribed sanctions lists. CoinZoom will therefore screen against numerous sanctions lists, including but not limited to United Nations, European Union, UK Treasury and US Office of Foreign Assets Control (OFAC) sanctions lists in all jurisdictions in which we operate. 

CoinZoom reserves the right, in its sole discretion, without any obligation to you and without any requirement to provide notice to you, to change, improve or correct the information, materials and descriptions on the Site and to suspend and/or deny access to the Site for any reason. The disclosure information and materials on the Site may contain typographical errors or inaccuracies despite our best efforts and due diligence review. Any dated information is published by us as of its date only, and CoinZoom does not undertake any obligations or responsibilities to update or amend any such information. CoinZoom further reserves the right, in its sole discretion, to block or otherwise discontinue your access to and use of the Site at any time and for any reason. You agree that CoinZoom will not be liable to you or to any third party for any such modifications, suspensions or discontinuances. 

Advanced Protocols 

Unless specifically announced on our website or through some other official public statement of CoinZoom, we do not support meta-coins, colored coins, side chains, or other derivative, enhanced, or forked protocols, tokens, or coins which supplement or interact with a Digital Currency supported by CoinZoom (collectively, "Advanced Protocols"). Do not use your CoinZoom Account to attempt to receive, request, send, store, or engage in any other type of transaction involving an Advanced Protocol. The CoinZoom platform is not configured to detect and/or secure Advanced Protocol transactions and CoinZoom assumes absolutely no responsibility whatsoever in respect to Advanced Protocols. Any such resulting forks or airdrops not explicitly supported by CoinZoom may result in an extended period of down time in which no trading or transfer of the forked coins can occur, and CoinZoom may claim such forked or airdropped coins for its own benefit or to offset any associated costs, disruptions or distributions. 

Qualifications 

By signing up to CoinZoom and opening an account, you have affirmed that you are at least 18 years old. You represent and warrant that if you are an individual, you are of legal age and have the legal capacity and competence to form a binding contract, and that all registration information you enter is accurate and truthful. CoinZoom may, in its sole discretion, refuse to offer the Services to any person or entity and change its eligibility criteria at any time. This provision is void where prohibited by law and the right to access the Services is revoked in such jurisdictions. If you are using the Site on behalf of any entity, you represent and warrant that you are authorized to accept this Agreement on such entity's behalf, and that such entity agrees to indemnify CoinZoom for violations of this Agreement. Your use of the CoinZoom Site constitutes Customer Acceptance of these Terms of Use.

Products 

The Service operated by CoinZoom allows Buyers and Sellers to buy and sell Digital Currencies, such as Bitcoin, Ethereum and others ("Digital Currency"). The Service operated by CoinZoom also allows all registered users to transfer the Digital Currency to other Users in CoinZoom and/or outside CoinZoom. Digital Currency trading is only suitable for Investors who are familiar with and willing to accept the high risk and non-liquidity associated with Digital Currency trading. Digital Currency purchased in these transactions are not publicly traded and are intended for Investors who do not have a need for a liquid investment. There can be no assurance that the Digital Currency price/valuation is accurate or that it agrees with the market or industry valuations. A Digital Currency investment involves significant risk. Prices can and do fluctuate on any given time and day. Such price fluctuations may increase or decrease the value of your positions at any given moment. Any Digital Currency may be subject to large swings in value and may even become worthless. There is an inherent risk that losses will occur as a result of buying, selling or trading anything on a market. Digital Currency trading also has special risks not generally shared with office currencies in a market. Unlike most currencies, which are backed by governments or other legal entities, or by commodities such as gold or silver, Digital currency is backed by technology and trust. There is no central bank that can issue more currency or take corrective measures to protect the value of Digital Currency in a crisis. Instead, Digital Currency is an as-yet autonomous and largely unregulated global system of currency firms or individuals. Traders put their trust in a digital, decentralized and partially anonymous system that relies on peer-to-peer networking and cryptography to maintain its integrity. The trading of Digital Currency is often susceptible to irrational (or rational) bubbles or loss of confidence, which could collapse demand relative to supply. For example, confidence might collapse in Digital Currency because of unexpected changes imposed by software developers or others, a government crackdown, the creation of superior competing alternative currencies, or a deflationary or inflationary spiral. Confidence might also collapse because of technical problems; if the anonymity of the system is compromised, if Digital Currency is lost or stolen, or if hackers or governments are able to prevent any transactions from settling. There may be additional risks that we have not foreseen or identified in our Terms of Use. You should carefully assess whether your financial situation and tolerance for risk is suitable for buying, selling or trading Digital Currency. 

Your Hosted Digital Wallet enables you to store, track and manage the supported Digital Currencies contained in your Hosted Digital Currency Wallet. Upon verification a government issued identification card and a picture of yourself, you will have the ability to request, send and receive, and store Digital Currency from third parties by giving instructions through the Site (each such transaction is considered a "Digital Currency Transaction"). Hosted Digital Currency Wallet services are available only in connection with those Digital Currency that CoinZoom, in its sole discretion, decides to support. The Digital Currency that CoinZoom supports may change from time to time. If you have any questions about which Digital Currencies CoinZoom currently supports, please visit our Coin Info page. Under no circumstances should you attempt to use your Hosted Digital Currency Wallet services to store, send, request, or receive digital currencies in any form that are not supported by CoinZoom. Please note that the wallets being provided by CoinZoom, including the associated technology and security, were developed by BitGo, an unaffiliated supplier to CoinZoom. With respect to cash or fiat currency, these funds are placed in a For Benefit Of (FBO) accounts at Banks utilized by CoinZoom but held for the beneficial owners (user accounts) and are segregated from CoinZoom's working capital, and your associated proportional beneficial ownership of these funds will be reflected in your account balance. We use our banking providers in order to receive client funds and make payments. Our banking providers DO NOT transfer, exchange or provide any services in connection with Digital Currency. CoinZoom may also offer "Conversion Services" or trading pairs to convert one digital currency to another. Eligible users in certain jurisdictions may buy or sell supported Digital Currency through the Conversion Services. The Conversion Services are subject to the CoinZoom "Conversion Rate" for the given transaction. "Conversion Rate" means the price of a given supported Digital Currency amount in terms of Fiat Currency or other Digital Currency as quoted on the CoinZoom Site. The Conversion Rate is stated either as a "Buy Price" or as a "Sell Price," which is the price in terms of Fiat Currency or Digital Currency at which you may buy or sell supported Digital Currency to CoinZoom. You acknowledge that the quoted Buy Price Conversion Rate may not be the same as the Sell Price Conversion Rate at any given time, and that CoinZoom may add a margin or "spread" to the quoted Conversion Rate. The Conversion Service will be done in and through the trading platform via execution of multiple trading pairs or through direct matching of an applicable market (trading pair) for the conversion is available. CoinZoom does not engage in proprietary or OTC trading other than to facilitate the orderbook but will take a spread or execute riskless principal transactions. You agree, as a condition of using any CoinZoom Conversion Services, to accept the Conversion Rate as the sole conversion metric. CoinZoom reserves the right to delay any Conversion Service transaction if it perceives a risk of fraud or illegal activity. CoinZoom does not guarantee the availability of its Conversion Service, and the act of purchasing supported Digital Currency from CoinZoom does not result in a guarantee that you may sell your supported Digital Currency to CoinZoom. Past performance is not a guarantee of future performance. The contents of this Site do not constitute financial, legal, or tax advice. Investors are solely responsible for conducting any legal, accounting or due diligence review. You should obtain investment and tax advice from your advisers before deciding to invest. 

None of the information contained in the publicly available portions of the Site (i.e., which is accessible to the public without becoming a registered User) constitutes a recommendation, solicitation or offer to buy or sell any Digital Currency or other financial instruments or other assets or provide any investment advice or service. The information and Services provided on the Site are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or where CoinZoom is not authorized to provide such information or Services. Some products and Services described in the Site may not be available in all jurisdictions or to all clients. 

Additional Costs 

When you transact on the Exchange, CoinZoom will attempt to fill that order through one or more orders on the Exchange, which orders may include those of unaffiliated, third-party liquidity providers (LPs). These LPs may be acting in an agency capacity, and their orders will include additional margin or spread that is not transparent to you or CoinZoom. CoinZoom may also include additional margin or spread to cover fees charged by unaffiliated liquidity providers. These fees are in addition to any Commissions or Fees (please reference the Fee Schedule for a list of current Fees). CoinZoom makes no representation that you will be able to get the best price on the CoinZoom Exchange. Market orders will be honored on a first come, first serve basis. 

Reversals; Cancellations and Crypto sent to Bad Addresses 

You cannot cancel, reverse, or change any crypto transfer to any wallet or any transaction marked as complete or pending. If your payment is not successful or if your payment method has insufficient funds, you authorize CoinZoom, in its sole discretion, either to cancel the transaction or to debit your other payment methods, including CoinZoom balances or other linked accounts, in any amount necessary to complete the transaction. You are responsible for maintaining an adequate balance and/or sufficient credit limits in order to avoid overdraft, NSF, or similar fees charged by your payment provider. CoinZoom reserves the right to refuse to process, or to cancel or reverse, any purchases or sales of Digital Currency in its sole discretion, even after funds have been debited from your account(s), if CoinZoom suspects the transaction involves (or has a high risk of involvement in) money laundering, terrorist financing, fraud, or any other type of financial crime; in response to a subpoena, court order, or other government order; if CoinZoom reasonably suspects that the transaction is erroneous; or if CoinZoom suspects the transaction relates to Prohibited Use or a Prohibited Business as set forth below. In such instances, CoinZoom will reverse the transaction and we are under no obligation to allow you to reinstate a purchase or sale order at the same price or on the same terms as the cancelled transaction. 

Tagged Transactions 

CoinZoom is not responsible for funds in XLM, XRP or EOS (Tokens) sent to a wallet address without a Tag or memo, and such funds will not be recovered. 

ACH Authorization 

CoinZoom, Inc. (CoinZoom) accepts customer deposits via ACH debit. An ACH debit is an electronic transfer that withdraws funds from a consumer's bank account. With your authorization, CoinZoom will originate an ACH transfer from your bank account using Evolve Bank & Trust as its third-party service provider. CoinZoom, and Evolve Bank & Trust are separate and unaffiliated legal entities. Before CoinZoom can originate ACH transfers from your bank account, you need to accept the following Authorization and Agreement by checking the "I AGREE" box. I understand that making online funds transfers to CoinZoom is a three-step process. (1) In the first step, I log into my CoinZoom account on trade.coinzoom.com. (2) In the second step, I use the 3rd party service of Plaid to authenticate to my bank account and programmatically retrieve my bank account information (3) In the final step, I enter specific transfer information, such as the amount of my desired transfer, I intend to deposit to my CoinZoom account. Even if I intend to make additional online transfers in the future, I only need to enter my banking information once. However, I can log in later to delete my bank account information. By checking the "I AGREE" box, I hereby authorize CoinZoom and its third-party service providers to collect, store and retrieve certain banking information for the limited purpose of executing ACH transfers for each deposit that I make using the CoinZoom system. That information includes my name, the name of my bank, the type of bank account that I desire to use (checking or savings), and the routing number and account number of my bank account. I can update my bank account information at any time to add additional bank accounts or to delete any account. I understand that my banking information will not be shared with third parties except as reasonably necessary to complete my online transfers, or as otherwise required by law or the rules governing ACH transactions. I will be required to specifically authorize each transfer I make. Each authorization will direct CoinZoom to originate an ACH transfer for that deposit from the bank account I designate. In addition, I agree that CoinZoom may originate additional ACH debits or credits as necessary to correct any errors, and I further agree that I will not authorize any transactions that are prohibited by law. CoinZoom may begin processing a deposit as soon as I submit it. I understand that the online deposit system does not allow me to select a future date for submitting a deposit. I also understand that once a deposit is submitted to my bank, I will be unable to cancel or edit it through the online deposit system. However, it may be possible to stop a deposit after it has been submitted by timely canceling the transaction before it settles using the CoinZoom, Inc applications. This Authorization and Agreement shall remain in effect until I either (1) update my online registration to delete all of my bank accounts, or (2) notify the CoinZoom in writing at 4640 S Holladay Village Plz, Suite 206 Salt Lake City, Utah 84117 that I revoke this Authorization and Agreement. 

ACH Transfers 

ACH transfers are free of charge, but if an ACH transaction is returned due to insufficient funds, a non-transactional account, levies, or for any other reason CoinZoom may charge you a $100 reversal fee. The $100 ACH reversal fee is also applied to a returned/reversed ACH withdrawal. Frequent or unexplained ACH reversals may result in the termination of your account. 

Taxes 

Digital currency trading may result in taxable consequences in your jurisdiction, and you must determine, report and pay any applicable taxes. You are responsible for your own tax filings and payments. CoinZoom is under no obligation to calculate, determine or make available any information regarding taxes or the taxable consequences of your transactions. CoinZoom may make available, in its sole discretion, a record of your transactions which may be useful to you for making any required tax filings or payments, and this does not constitute a waiver of this provision. CoinZoom will fully cooperate with and voluntarily share user data, including your transaction and profit and loss records, with any duly authorized taxing authority and will make any tax withholdings or filings that we are required by law to make but is not responsible for determining whether taxes apply to your transaction, or for collecting, reporting, or remitting any taxes arising from any transactions. CoinZoom is under no obligation to make any transaction data available if, for any reason, your account is closed, or you are suspended or permanently suspended from the website or Services. 

Abandoned Accounts / Unclaimed Property 

All US States and an increasing number of countries require financial institutions to report property that has been abandoned or unclaimed after a dormancy period, usually 36 months. If your account is inactive, CoinZoom is unable to locate you and your account has remained inactive for the dormancy period applicable in your jurisdiction, then CoinZoom must report the account as abandoned to the relevant jurisdiction (generally determined by the primary address of the account holder). The government of the relevant jurisdiction will then claim the abandoned account through a process called "escheatment," whereby the government becomes the owner of the account. CoinZoom may also terminate and liquidate your account and send funds to the last known address after your account is inactive for certain shorter periods of time, as CoinZoom may determine and post in its sole discretion. If CoinZoom receives legal documentation or other information confirming your death or other information leading us to believe you have died, we may freeze your account unless (and may liquidate some or all positions, in our sole-discretion) and until a court or your executor directs us otherwise or we have ascertained that you have not died. 

Inactivity Fee 

Where you have not traded on the CoinZoom Exchange or engaged in any funding activity on the Site for an uninterrupted period of six months, CoinZoom reserves the right to charge and obtain from you an inactivity fee of $2.50 per month, with or without notice to you. This fee will be taken from the Digital Tokens and other property that you hold on the Site. 

Modifications 

CoinZoom reserves the right, at its sole discretion, to modify or replace any of the terms of this Agreement, or change, suspend, or discontinue the Services (including without limitation, the availability of any feature, database, or content) at any time. Such modifications shall become part of this Agreement and are automatically effective once posted on the Site. We may, but are not required to, send you an email about such modifications. This Agreement may not be orally amended. CoinZoom may also impose limits on certain features and Services or restrict your access to parts or all of the Services without notice or liability. It is your responsibility to check the terms of this Agreement periodically for changes. Your continued use of the Services following the posting of any changes to the Terms of Use constitutes acceptance of the changes. 

Authorized User 

Our Services and certain pages of the Site are available only to Investors who have been authorized by us to access those Services and web pages on the Site. Such authorization may require completion of an investor questionnaire (and providing additional verification) and satisfactory background information screening and/or identification verification. Only users of CoinZoom with a valid User ID and password are authorized to access Services on the Site and any related web pages. As part of CoinZoom's authorization process, each user shall be required to provide, among other things, a valid email address. In providing your email address and agreeing to these Terms of Use, each authorized user consents to receiving email notifications from us concerning offerings by Issuers. 

Unauthorized use of the Site and our Services by you or others using your account to conduct any illegal activity, including, but not limited to laundering money, funding terrorism or other illegal activity. The misuse or sharing of passwords or misuse of any other information is strictly prohibited. You may not use the Site in any manner that could damage, disable, overburden, or impair the Site or Services or interfere with any other party's use and enjoyment of the Site or Services. You agree that you will not engage in any activities related to the Site that are contrary to applicable laws or regulations. You further agree that you are responsible for any unauthorized use of your password that is made before you have notified us of such use and we have had a reasonable opportunity to act on that notice. CoinZoom reserves the right at its discretion to suspend or cancel your password or otherwise disable your access to the Site, even without receiving such notice from you or providing notice to you, if we suspect that it is being used in an illegal, unauthorized or fraudulent manner. 

Notwithstanding the above, you are responsible for monitoring your account and should promptly report any illegal, unauthorized or suspicious activity in your account to us at support. 

Proprietary Rights 

CoinZoom owns and retains all proprietary rights in the Site, the Services and all material and information posted thereon ("Content"). The Site contains the copyrighted material, trademarks and other proprietary information of CoinZoom and its licensors. You may not alter, modify, publish, distribute, publicly display or sell any Content or other such proprietary information, or otherwise copy or transmit any Content or other such proprietary information without the express written permission of CoinZoom. 

In addition, to the extent you receive information from CoinZoom or other Investors with respect to any investment activity on the Site, you may not further disclose or otherwise provide such information to another party in any way that allows a personal identification of such Investor. You agree that CoinZoom may, at its sole discretion and to the extent permitted by law, access, read, preserve and disclose your account information, usage history and submitted Content in order to (i) cooperate with law enforcement or regulatory or self-regulatory organizations, (ii) comply with a legal obligation, (iii) protect and defend the rights or property of CoinZoom, (iv) act in urgent circumstances to protect the personal safety of users of the Site or the public against fraud or other harm, (v) enforce our customer and other agreements, (vi) protect against legal liability, (vii) comply with any applicable law, regulation, legal process, or governmental request; (viii) respond to claims that any Content violates the rights of third parties, including intellectual property rights; (ix) enforce this Agreement and investigate potential violations thereof; (x) detect, prevent, or otherwise address fraud, security, or technical issues; (xi) respond to your requests for customer service; or (xii) protect the rights, property, or personal safety of CoinZoom, its users, or the public. 

Copyright Policy 

If you believe that any material on the Site violates this Agreement or your intellectual property rights, please notify CoinZoom as soon as possible by sending an email to [email protected] with the following information in accordance with Section 512(c) of the Copyright Act: (i) a physical or electronic signature of the copyright owner or a person authorized to act on their behalf; (ii) identification of the copyrighted work claimed to have been infringed; (iii) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material; (iv) your contact information, including your address, telephone number, and an email address; (v) a statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (vi) a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner. 

We reserve the right to remove Content alleged to be infringing or otherwise illegal without prior notice and at our sole discretion. In appropriate circumstances, CoinZoom will also terminate a User's account (e.g., if the User is determined to be a repeat infringer). 

Use of Links 

The Site may permit you to link to other websites or resources on the Internet, and other websites or resources may contain links to the Site. When you access third party websites, you do so at your own risk. These other websites are not under CoinZoom's control, and you acknowledge that CoinZoom is not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources. The inclusion of any such link does not imply an affiliation, sponsorship, or endorsement by CoinZoom or any association with the operators of the linked site. You further acknowledge and agree that CoinZoom shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any information, goods or services available on or through any such website or resource. You should also be aware that the terms and conditions and privacy policy of such sites may be different from those applicable to your use of the CoinZoom Site and Services. 

Third Party Posts 

CoinZoom may provide messaging capabilities in order for you to communicate with other users on the website. You agree that the messaging services does not entangle in such communication, or in any way indicate that CoinZoom has adopted the communication. We make no representation as to accuracy of the information communicated directly from issuers to investors and have no control or compliance oversight over such communication. In addition, the third-party posts do not reflect the position of CoinZoom and were not reviewed for completeness and accuracy. The third-party posts were not endorsed or adopted by CoinZoom. 

Termination 

CoinZoom may terminate your access to all or any part of the Site and Services at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your account. If you wish to terminate your account, you may do so by following the instructions on the Site. All provisions of this Agreement shall survive termination, including, without limitation, your pre-termination representations, ownership provisions, warranty disclaimers, indemnity and limitations of liability. 

Warranty Disclaimer 

CoinZoom has no special relationship with or fiduciary duty to you. You acknowledge that CoinZoom has no control over, and no duty to take any action regarding: which Users gain access to the Site; what Content you access via the Site; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content. You release CoinZoom from all liability for you having acquired or not acquired Content through the Site. CoinZoom makes no representations concerning any Content contained in or accessed through the Site, and CoinZoom will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Site or the Services. 

CoinZoom neither represents, warrants, covenants, guarantees, nor promises any specific results from use of the Site. 

THE SITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY SERVICE OR ADVICE PROVIDED IN CONNECTION WITH THE SERVICES, IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE AND SITE RELATED SERVICES. 

CoinZoom will not be liable in any way to you or to any other person for any inaccuracy, error or delay in or omission of any third party data or the transmission or delivery of any such third party data and any loss or damage arising from (a) any such inaccuracy, error, delay or omission, (b) non-performance or (c) interruption in any such third-party data due either to any negligent act or omission by CoinZoom or "force majeure", pandemic or any other cause beyond the control of CoinZoom. Such errors would include input instructions errors, including price or quantity errors caused by key input errors (fat fingering), transposing numbers, misplacing decimals, duplicate or failed trade instructions or crypto sent to the wrong wallet address (for example, Bitcoin sent to a Bitcoin Cash address). 

Electronic Communication Privacy Act Notice (18usc 2701-2711): CoinZoom makes no guaranty of confidentiality or privacy of any communication or information transmitted on the Site or any website linked to the Site. CoinZoom will not be liable for the privacy of email addresses, registration and identification information, disk space, communications, confidential or trade secret information, or any other content stored on CoinZoom's equipment, transmitted over networks accessed by the Site, or otherwise connected with your use of the Services. 

Force Majeure 

CoinZoom shall not be liable for any delays, failure in performance or interruption of service, including significant market volatility, regulatory action, acts of God, act of civil or military authorities, terrorist attack, pandemic, civil disturbance, government shutdown (however caused), war, strike, labor dispute, fire, interruption in telecommunications or Internet services or network provider services, system outages, block chain processing back-ups, traffic jams or delays, failure of equipment and/or software, other catastrophe or occurrence beyond our control. 

Indemnification 

You shall defend, indemnify, and hold harmless CoinZoom, its affiliates and each of its, and its affiliates employees, contractors, directors, suppliers and representatives from all liabilities, claims, and expenses, including reasonable attorneys' fees, that arise from or relate to your use or misuse of, or access to, the Site, Services, Content or otherwise from your User Submissions (including breach of your representations to us), violation of the Agreement, or infringement by you, or any third party use of your account, of any intellectual property or other right of any person or entity. CoinZoom reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with CoinZoom in asserting any available defenses. 

Unjust Enrichment 

You agree not to game or take advantage of any CoinZoom Exchange limitations, rules or system glitches that would unjustly enrich you. You agree to notify CoinZoom immediately of any activity or technical failures which would jeopardize the integrity of the Exchange, and you agree to cooperate fully in remedying the failure and mitigating the loss to CoinZoom and other users. You also agree to bear the legal costs of recovery CoinZoom may incur for any unjust enrichment gained by your exploiting or gaming limitations of the Exchange. 

Limitation of Liability 

IN NO EVENT SHALL COINZOOM, NOR ITS MANAGERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICES (I) FOR ANY LOST PROFITS, DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, SUBSTITUTE GOODS OR SERVICES (HOWEVER ARISING), (II) FOR ANY BUGS, VIRUSES, TROJAN HORSES, LOST PASSWORDS, STOLEN PASSWORDS, HACKED PASSWORDS, EXTORTION, KIDNAPPING, UNAUTORIZED ACCOUNT ACCESS OR THE LIKE (REGARDLESS OF THE SOURCE OF ORIGINATION), OR (III) FOR ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) ONE-HUNDRED U.S. DOLLARS ($100.00). SOME STATES OR COUNTRIES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.


Governing Law 

Binding Arbitration 

Except as otherwise expressly provided in this Agreement, or if this provision is found by a court of competent jurisdiction to be unenforceable, any civil claim which arises out of or relates in any way to this Agreement shall be resolved in Salt Lake City, Utah, USA in accordance with the following terms and procedures: 

1. The party with a civil claim must notify the other party in writing by certified mail within the times set forth by statute for filing a civil claim of its desire to have the claim resolved by arbitration. Except as otherwise provided in this Agreement, the arbitration proceeding shall be governed by the Utah Arbitration Act, Title 78B, Chapter 11 of the Utah Code. 

2. Upon notice of a timely civil claim, the parties will agree upon an arbitrator or, if unable to agree, will seek court appointment of an arbitrator pursuant to the Utah Arbitration Act, Utah Code Ann. § 78B-11-112. 

3. The arbitrator shall have no authority to add to, subtract from, or otherwise modify the terms of this Agreement or to make awards beyond those provided for by the statute or other cause of action under which the claim arises. 

4. Any party to the arbitration may be represented by counsel. The party producing a witness is responsible for paying that witness's fees and expenses. The arbitrator's fees and expenses, including required travel and per diem costs, and the cost of any evidence or proof produced at the arbitrator's direction may be apportioned and shall be borne as determined by the arbitrator. All decisions of the arbitrator made in accordance with this Agreement shall be final and conclusively binding upon the parties. The parties agree that the arbitrator's award may be entered as a judgment by any court of competent jurisdiction. 

5. Issues of procedure, arbitrability, appeal, or confirmation of award shall be governed by the Utah Arbitration Act, Utah Code Ann. § 78B-11101 through 131. 

This Agreement (and any further rules, policies or guidelines incorporated by reference herein) shall be governed by and construed in accordance with the laws of the State of Utah, without giving effect to any principles of conflicts of law. Judgment on any award entered by the arbitrator may be entered in any court having jurisdiction thereof. User agrees that it may bring claims against CoinZoom only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. 

Registration Data: Account Security 

In consideration of your use of the Site, you agree to (a) provide accurate, current and complete information about you as may be prompted by any registration or account creation forms on the Site ("Registration Data"); (b) maintain the security of your password and identification; (c) maintain and promptly update the Registration Data, and any other information that you provide to CoinZoom, to keep it accurate, current and complete; and (d) accept all risks of unauthorized access to the Registration Data and any other information you provide to CoinZoom. 

Alternative Arbitration Provision 

This Section sets forth the circumstances and procedures under which Claims (as defined below) shall be arbitrated instead of litigated in court upon a finding of the unenforceability of the Utah Arbitration provision, or by mutual written consent of the parties. 

A. Definitions: As used in this Arbitration Section, the term "Claim" means any claim, dispute or controversy between you and CoinZoom or any of their agents, arising from or relating to this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Section or the Agreement. "Claim" includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term "Claim" is to be given the broadest possible meaning that will be enforced. 

B. Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either Judicial Arbitration and Mediation Services ("JAMS") or the American Arbitration Association ("AAA"), as selected by you. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows:  (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; and  (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org. 

C. Significance of Arbitration: NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS OR AAA, AS APPLICABLE (THE "CODE"). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. THE ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT ARBITRATION, EXCEPT AS SET FORTH BELOW. THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. 

D. Restrictions on Arbitration: The Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other cardholders or other persons similarly situated. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. 

E. Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your primary residence. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification. 

F. Arbitration Procedures: This Arbitration Section is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 116, as it may be amended (the "FAA"). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this Arbitration Section shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party's notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party's submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be final and binding. 

G. Continuation: This Arbitration Section shall survive termination of this Agreement, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Section is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Section, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.

Integration and Severability 

This Agreement is the entire agreement between you and CoinZoom with respect to the Services and use of the Site, and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and CoinZoom with respect to the Site other than your account agreement with CoinZoom which is also valid, effective and fully enforceable. If any provision of the Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Agreement will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. 

Business Continuity Plan 

CoinZoom has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan. Contacting Us – If after a significant business disruption and you cannot contact us as you usually do, you should email us at [email protected]. In case of a significant business disruption, the firm will place a notification on its website at www.CoinZoom.com on next steps. Our Business Continuity Plan – Significant business disruptions can vary in their scope (location) and severity (minimal to severe). Regardless of the scope and severity, we plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm's books and records, and allowing our customers to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption. We plan to continue in business, transfer operations offsite if necessary, and notify you through our contact information on how to contact us. As the firm does not hold customer funds or securities, if the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer's prompt access to their funds at the escrow agent / crypto custodian. Our business continuity plan addresses: data backup and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; and regulatory reporting. 

Louisiana Disclosure 

CoinZoom, Inc. is licensed by the Louisiana Office of Financial Institutions as a money transmitter. The Louisiana Office of Financial Institutions does not license or regulate services related to virtual currency including but not limited to transmission or exchange which may be conducted by CoinZoom, Inc. 

Prohibited Businesses and Activities 

CoinZoom reserves the right to suspend or terminate your account if we believe, in our sole discretion, that you are using CoinZoom in in way that could expose CoinZoom to liability, reputational risk or brand damage, including but not limited to using CoinZoom to engage in, transact or related to any of the following types of activities or businesses: alcohol, tobacco, pharmaceuticals, Illegal drugs, marijuana, drug paraphernalia, firearms, ammunition, weapons, sexually oriented activities or materials, pornography, obscene or offensive activities or materials, materials or activities that promote intolerance, violence or hate, multi-level marketing, Ponzi or pyramid schemes, illegal gambling, gaming, lotteries or sweepstakes, financial services, counterfeit materials, terrorist financing, fraud, scams, money laundering; or any other illegal activity or unlawful purpose. 

CoinZoom Visa Cardholder Agreement – Individual 

IMPORTANT: PLEASE READ CAREFULLY 

I. Terms and Conditions for the CoinZoom Visa Card 

This Cardholder Agreement ("Agreement") outlines the terms and conditions under which the CoinZoom Visa (the "Card") has been issued to you by Evolve Bank & Trust (Member FDIC) (the "Bank"). The Bank has retained a Program Manager to provide certain services on the Bank's behalf. "Program Manager" for the CoinZoom Visa is CoinZoom, Inc. "Card Account" means the records we maintain to account for the value of transactions associated with the Card. "You" and "your" means the person or persons who have received the Card and who are authorized to use the Card as provided for in this Agreement. "We," "us," and "our" means the Bank, our successors, affiliates, assignees and our third-party service providers. The Card will remain the property of the Bank and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice, subject to applicable law. 

Please read this Agreement carefully and keep it for future reference. 

This Agreement is provided to you in electronic format pursuant to the E-Signature and Electronic Disclosure Agreement that you accepted and agreed to when you opened your Card Account. By accepting and/or using this Card, you agree to be bound by the terms and conditions contained in this Agreement.To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who obtains a Card. What this means for you: when you apply for a Card, we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you. We also may ask to see your driver's license or other documentation bearing your photo as verification of your identity. By participating in the Card program, or applying for a Card, you certify that all information you have provided to us, including, but not limited to, your real name, valid U.S. mailing address and residential address (if different), social security number or identification documentation, date of birth, telephone number and other information provided at our request, is true, accurate and complete. If you falsify, misrepresent, or fail to provide requested information, we may cancel your Card and Card Account. In addition, funds tied to suspected illicit or illegal activity may be subject to both internal and potentially federal investigation. We reserve the right to restrict or delay your access to any such funds, subject to applicable law. We may share any of the information collected and any results of any investigation with the Program Manager, which may be used pursuant to its Privacy Policy THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION PROVISION. SEE SECTION XIX BELOW. 

II. The Card

A. The Card is a debit card that is funded by your Card Account. The Card allows you to access funds deposited to your Card Account by you or on your behalf. The funds in your Card Account will be FDIC-insured pursuant and subject to applicable law. You may access the funds in your Card Account by using your Card or Card Number or by Automated Clearing House ("ACH") debit using your Account Number. The Card is not a credit card or a gift card and may not be gifted, sold or transferred. You will not receive any interest on your funds in the Card Account. The expiration date of the Card is listed on the Card. However, the funds in your Card Account will not expire, regardless of the expiration date listed on the Card. If your Card Account becomes inactive and subject to escheatment under state law, we may remit funds in your Card Account to the state of your residence, and you may claim the funds from the state. 

B. You agree that the Card will be used primarily for personal, family and household purposes only and not for business use. You may not use the Card for illegal gambling or any other illegal transaction. We reserve the right to cancel, close or restrict use of the Card and Card Account, including by refusing the processing of any transaction, if we believe you have violated this Agreement or any applicable law. 

C. You must activate the Card and complete the activation process, including setting a Personal Identification Number ("PIN"), before it may be used. You should memorize your PIN and not write down your PIN or keep your PIN with your Card. If you believe that anyone has gained unauthorized access to your PIN, you should advise the Bank and Program Manager immediately, following the procedures in Section XVII (Your Liability for Unauthorized Transfers) below. You may need to provide personal information in order for your identity to be verified and for completion of the activation process. You agree to sign the back of the Card immediately upon receipt. 

III. Fees 

The fees relating to the use (including misuse) of your Card or Card Account are set forth in this Agreement and the attached fees exhibit (Exhibit 1) (the "Fees"). Exhibit 1 is incorporated herein by reference. Fees incurred pursuant to the terms of this Agreement will be withdrawn from your Card Account and will be assessed even if there is no remaining balance in your Card Account, unless prohibited by law. You agree to pay all Fees associated with the Card. We may from time to time amend the Fees, at our sole discretion, as set forth in Section XX (Other Terms). If you request a service that is not included in Exhibit 1 and there is a fee for such service, such fee will be disclosed at the time you request the service and you agree that any such fee may be deducted from your Card Account. 

IV. No Authorized Users 

You are responsible for all authorized transactions initiated and fees incurred by use of the Card. You may not permit anyone else to use your Card or Card Account. Without limiting the foregoing, if you permit another person to have access to the Card or Card Account, this will be treated as if you authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each Card according to the terms of this Agreement, subject to Section XVI (Lost or Stolen Cards or Unauthorized Transactions) and Section XVII (Your Liability for Unauthorized Transactions) below, and other applicable laws. 

V. Using the Card and Card Account and Limits 

Subject to the limitations set forth in this Agreement, you may use your Card and Card Account, as applicable, to access funds in your Card Account, including to purchase goods or services wherever your Card is honored as long as you do not exceed the value available in your Card Account and aggregate purchases do not exceed the limits set forth in Exhibit 2. There may be Fees associated with some of these transactions. For fee information, see the Exhibit 1 attached to this Agreement. 

A. You will be provided with the Bank's routing number and assigned a 16 digit account number (the "Account Number") once your identity has been verified. The Bank's routing number and your assigned Account Number are for the purpose of initiating direct deposits to your Card Account and authorized ACH debit transactions only. If you do not have sufficient funds in your Card Account, debits to your Card Account may be declined and your payment will not be processed. You also may be assessed an ACH decline fee (see Exhibit 1). 

B. With your PIN, the Card may be used to obtain cash at any Automated Teller Machine ("ATM")in the U.S. displaying the Visa acceptance mark, subject to your applicable daily cash withdrawal limit set forth in Exhibit 2. The Card cannot be used at international ATMs without prior notice. Fees may apply (see Exhibit 1 for details). ATM owner-operators may impose their own fees and lower limits on cash withdrawals. All ATM transactions are treated as cash withdrawal transactions and subject to your daily cash withdrawal limit. You may use your PIN at any Point of Sale ("POS") device, as permitted by a merchant that bears the Visa acceptance mark, and subject to your daily purchase limit. Each time you use the Card, you authorize the Bank to reduce the value available in your Card Account balance by the amount of the transaction and any applicable fees. 

C. Foreign Transactions: The Card may only be used to conduct transactions within the 50 United States, District of Columbia and U.S. Territories (Puerto Rico, Guam, Northern Marianas, the U.S. Virgin Islands, and American Samoa). The Card may be used to conduct international transactions, including, without limitation, transactions conducted on international merchant websites or mobile applications accessible within the United States; provided the merchant accepts the Visa or any other logo on the Card. All debits to your Card Account will be posted in U.S. dollars. Transactions made in a foreign currency are converted into U.S. dollar amounts by Visa, using its then current currency conversion procedure and rate. The currency conversion rate used on the processing date may differ from the rate in effect on the transaction date or periodic statement posting date. Foreign transactions are subject to foreign transaction fees, as set forth in Exhibit 1, and will be included in the amount charged to your Card Account. 

D. Card Not Present Transactions: If you initiate a transaction without presenting your Card (such as for a mail order, internet or telephone purchase or an ACH debit), the legal effect will be the same as if you used the Card itself. For security reasons, the amount or number of such transactions you may make may be limited. 

E. The total amount of purchases, transfers, reloads and cash withdrawals (including withdrawals inside a bank office) that you can perform in any single day or over any other period is limited to the amounts set forth in the enclosed Exhibit 2. For security reasons, you may be further limited as to the number or dollar amount of transactions you can make with your Card. We may, at our discretion, modify the limits from time to time. You will be notified of any change in the manner provided by applicable law prior to the effective date. Card limits are subject to periodic review and may be changed based on your Card Account history, activity, and other factors, including but not limited to your Card activity. We retain sole discretion to apply and change limits. 

F. You may add funds to your Card Account at any time. The maximum deposit amount is set forth in Exhibit 2. You agree to present the Card and meet identification requirements to complete deposit transactions as may be required from time to time. Deposit locations may have their own deposit limits that may be less than our allowable amount. Deposit locations also may assess a fee to deposit funds to your Card Account. You also may direct deposit funds to your Card Account by providing the Bank's routing number and your assigned Account Number to your employer or other direct deposit payor. You cannot deposit funds into your Card Account by check or money order. 

VI. Split Transactions and Authorization Holds 

A. Split Transactions 

If you do not have sufficient funds in your Card Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you fail to inform the merchant that you would like to complete a split transaction before swiping your Card, your Card is likely to be declined. 

B. Authorization Holds 

When you use your Card to purchase goods or services or to make a cash back withdrawal transaction, the merchant may attempt to obtain preauthorization for the transaction. If the merchant makes such a request, a "hold" is placed on your Card Account balance for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant or purchase type), until the merchant sends the final payment amount of your purchase, or for up to sixty (60) days, even if you fail to make the purchase. During the hold period, you may not have access to the preauthorized amount in your Card Account. We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Card Account, even if this results in your Card Account balance becoming negative. You remain responsible for any negative balances in your Card Account. If you use the Card at an automated fuel dispenser ("pay at the pump"), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient funds available in your Card Account, you should use the Card to pay for the purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% to ensure there are sufficient funds available to cover tips or incidental expenses incurred. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card.

VII. Obligation for Negative Balances 

Each time you initiate a Card transaction, you authorize the Bank to reduce the funds available in your Card Account by the amount of the transaction and all associated fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions (creating a "negative balance"). Nevertheless, if any transaction causes the balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees. You may also be liable for any related Insufficient Funds/NSF Fee(s) as set forth in Exhibit 1. We reserve the right to bill you for any negative balance or to recoup such negative balance from any other Card we have issued to you. You agree to pay us promptly for the negative balance and any related fees. We also reserve the right to cancel your Card if you create one or more negative balances with your Card. If you fail to pay us amounts owed under this Agreement, we may refer your Card Account and collection of amounts owed to a collection agency. 

VIII. Recurring Transactions 

If you intend to use your Card for recurring transactions, you should monitor your balance and ensure you have funds available in your Card Account to cover the transactions. "Recurring transactions" are transactions that are authorized in advance by you to be charged to your Card at substantially regular intervals. We are not responsible if a recurring transaction is declined because you have not maintained a sufficient balance in your Card Account to cover the transaction. If these recurring transactions vary in amount, the recipient of the recurring transaction should inform you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. If you have provided instructions for recurring transactions from your Card Account, you can stop the payment by notifying us at (888) 742-5091 or [email protected] at least three (3) business days before the scheduled date of the transfer. If you call, we also may require you to put your request in writing and get it to us within fourteen (14) days after you call. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, we will be liable for your direct losses or damages. If you have authorized a merchant to make the recurring transaction, you also should contact the applicable merchant in order to stop the recurring transaction. 

IX. Preauthorized Credit 

If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company and you do not receive a receipt/statement (paystub), you can contact us at [email protected] or (888) 742-5091 to find out whether or not the deposit was made. 

X. Statements 

You may obtain information about the amount of funds available in your Card Account by using the Program Manager's mobile application or visiting the Program Manager's website. This information, along with a 12-month history of Card transactions, is available by logging into your account using the Program Manager's mobile application or website. You also have a right to obtain a 24-month written history of Card transactions by sending an email to [email protected]. Pursuant to the E-Signature and Electronic Disclosure Agreement, we will deliver any account statements required by law to you in electronic form. This means you will not automatically receive paper statements. You are responsible for keeping track of your available Card Account balance. Merchants generally will not be able to determine your available balance. It is important to know your available Card Account balance before making any transaction. 

XI. Return and Refunds 

If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to your Card Account for refunds and agree to the refund policy of the merchant. Neither the Bank nor Program Manager is responsible for the delivery, quality, safety, legality or any other aspects of the goods or services you purchase from others with the Card. If you have a problem with a purchase you made with the Card, or if you have a dispute with the merchant, you must handle it directly with the merchant. The amounts credited to your Card for refunds may not be available for up to five (5) days from the date the refund transaction occurs. 

XII. Receipts 

You should get or request a receipt at the time you make a transaction or obtain cash using your Card. You agree to retain your receipts to verify your transactions. You can get a receipt at the time you make a withdrawal from your Card Account using one of our ATM terminals (if available). 

XIII. CARD CANCELLATION, SUSPENSION, AND LIMITS AND CARD REPLACEMENT 

We reserve the right, at any time and in our sole discretion, to limit your use of the Card, including limiting or prohibiting specific types of transactions. The Bank may refuse to issue a Card, revoke Card privileges or cancel your Card with or without cause or notice, other than as required by applicable law. If you would like to cancel the use of your Card, you may do so by calling (888) 742-5091 or the number on the back of your Card. You agree not to use or allow others to use an expired, revoked, canceled, suspended, or otherwise invalid Card. The cancellation of Card privileges will not otherwise affect your rights and obligations under this Agreement. Not all services described in this Agreement are available to all persons or at all locations. We reserve the right to limit, at our sole discretion, the provision of any such services to any person or in any location. Any offer of a service in this Agreement shall be deemed void where prohibited. We can waive or delay enforcement of any of their rights under this Agreement without losing them. If you need to replace the Card for any reason, call (888) 742-5091 or send an email to [email protected] to request a replacement. You will be required to provide personal information which may include the last four digits of your Card number, your full name, and knowledge of the Card transaction history. If you believe the Card has been lost or stolen, you may immediately disable it by calling us at (888) 742-5091. We may cancel any Card that has been disabled for sixty (60) calendar days or longer. 

XIV. Confidentiality 

The Bank may disclose information to third parties about your Card or the transactions you make using your Card: (1) where it is necessary for completing transactions; (2) in order to verify the existence and condition of your Card for a third party, such as a merchant; (3) in order to comply with government agency, court order, or other legal reporting requirements; (4) if you give the Bank your written permission; (5) to our and the Bank's employees, auditors, affiliates, service providers, or attorneys as needed; (6) in order to collect funds you may owe us; and (7) as otherwise provided in the Bank's Privacy Policy Notice: Privacy Policy   

XV. Our Liability for Failure to Complete Transactions 

In no event will Bank or Program Manager be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages. Neither Bank nor Program Manager will be liable, for instance: (1) if, through no fault of Program Manager or of the Bank, you do not have enough funds available in your Card Account to complete the transaction; (2) if a merchant refuses to accept your Card or provide cash back; (3) if an ATM where you are making a cash withdrawal does not have enough cash; (4) if an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction; (5) if access to your Card has been blocked after you reported your Card lost or stolen; (6) if there is a hold or your funds are subject to legal process or other encumbrance restricting their use; (7) if Program Manager or the Bank has reason to believe the requested transaction is unauthorized; (8) if circumstances beyond Program Manager or the Bank's control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that Program Manager or the Bank has taken; or (9) any other exception stated in this Agreement with you. 

XVI. Lost or Stolen Cards or Unauthorized Transfers 

If you believe your Card or PIN has been lost, stolen or compromised, call (888) 742-5091 or the number on the back of your Card or contact us by email at [email protected] or write us at 4640 S. Holladay Village Plaza Suite #206 Salt Lake City UT 84117. You should also call us at the number set forth in this Section or write us at the address set forth in this Section if you believe an electronic transfer has been made using the information from your Card or Card Account without your permission. 

XVII. Your Liability for Unauthorized Transactions 

You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Card Account (each, an "Access Code") and your Card. If you believe the Card or Access Code has been lost, compromised or stolen, immediately contact us at (888) 742-5091 or email us at [email protected]. Telephoning is the best way to minimize your possible losses. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Card Account without your permission, call (888) 742-5091 or email at [email protected]. We may suspend or cancel your Card and/or corresponding Card Account in the event of excessive reports of Card loss or theft. Under [Mastercard/Visa] Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to [Mastercard/Visa] payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that [Mastercard/Visa] Zero Liability does not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section XVIII (Your Right to Dispute Errors). If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time.You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) and/or Card Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction or you do not benefit from the transaction in any way. 

XVIII. Your Right to Dispute Errors 

When an unauthorized transaction or other error occurs in the Card Account, including unauthorized transactions that occur because the Card has been lost or stolen, we will cover you for the full amount of every eligible unauthorized transaction or other error as long as you follow the procedures discussed in this Section. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. 

1. Tell us your name and account number.
2. Describe the error or transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error. 

If you tell us verbally, we may require that you send us your complaint or question in writing within ten (10) business days. 

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for those transactions at merchant POS terminals, processed on a new account, or initiated outside the United States) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error so that you will have full use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts (an account where the first deposit to the account occurs less than 30 days before the error), we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. 

XIX. Arbitration 

This Section sets forth the circumstances and procedures under which Claims (as defined below) shall be arbitrated instead of litigated in court upon the election of either party. 

A. Definitions 

As used in this Arbitration Section, the term "Claim" means any claim, dispute or controversy between you and Bank, Program Manager or any of their agents or retailers, arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Section or the Agreement. "Claim" includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any additional cardholders designated by you; (ii) the amount of available funds on the Cards; (iii) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and/or (v) your enrollment for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in that court; any appeals from that court shall be pursued only in arbitration. As used in this Arbitration Section, the terms "we" and "us" shall for all purposes mean the Bank, Program Manager, their respective wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns, and all of their agents, employees, directors and representatives. In addition, "we" or "us" shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Section, the terms "you" or "yours" shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional cardholders. 

B. Initiation of Arbitration Proceeding/Selection of Administrator 

Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either Judicial Arbitration and Mediation Services ("JAMS") or the American Arbitration Association ("AAA"), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within thirty (30) days after you receive notice of our election to select the other organization listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows:  (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; and  (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org. 

C. Significance of Arbitration 

IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS OR AAA, AS APPLICABLE (THE "CODE"). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. THE ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT ARBITRATION, EXCEPT AS SET FORTH BELOW. THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. 

D. Restrictions on Arbitration 

If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other cardholders or other persons similarly situated. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. 

E. Location of Arbitration/Payment of Fees 

Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification. 

F. Arbitration Procedures 

This Arbitration Section is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 116, as it may be amended (the "FAA"). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this Arbitration Section shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party's notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party's submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be final and binding. 

G. Continuation 

This Arbitration Section shall survive termination of your Card as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Section is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Section, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity. 

XX. Other Terms 

A. The Card and your obligations under this Agreement may not be assigned. The Bank may transfer its rights under this Agreement. Use of the Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. The Bank does not waive its rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Tennessee except to the extent governed by federal law. 

B. By activating the Card or by retaining, using or authorizing the use of it, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a jurisdiction where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States ("U.S.") or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card. 

C. The terms and conditions of this Agreement may be revised by posting a revised version here https://www.coinzoom.com/terms-and-conditions . You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, the Bank or Program Manager can implement such change without prior notice. We may cancel or suspend the Card or this Agreement at any time. You may cancel this Agreement by returning the Card to the Bank. Your termination of this Agreement will not affect any of the Bank's or Program Manager's rights or your obligations arising under this Agreement prior to termination. In the event your Card is cancelled, closed or terminated for any reason, any remaining available funds associated with the Card Account will be returned to you, subject to any contrary provision in this Agreement and applicable law. 

Exhibit 1 
Fees (please see Fee Section of the CoinZoom website) 

Exhibit 2 
Transaction Limits $500 per Transaction 

RISK DISCLOSURE 

Digital currencies are not currently backed nor supported by any government or central bank. The value of digital currencies is determined by the economy of supply and demand, and they are more volatile than traditional currencies. Trading in digital currencies comes with significant risks, including volatile market price swings or flash crashes, market manipulation, regulatory risk, governmental prohibition and confiscation, technology risks, transmission risks, and cybersecurity risks. In addition, digital currency markets and exchanges are not regulated with the same controls or customer protections available in equity, option, futures, or foreign exchange investing. Digital Currency trading requires knowledge of digital currency markets. In attempting to profit through digital currency trading, you must compete with traders worldwide. You should have appropriate knowledge and experience before engaging in substantial Digital Currency trading. Digital Currency trading may not generally be appropriate, particularly with funds drawn from retirement savings, student loans, mortgages, emergency funds, or funds set aside for other purposes. Digital Currency trading may result in taxable consequences in your jurisdiction, and you must determine, report and pay any applicable taxes. Digital Currency trading can lead to large and immediate financial losses, and trades are settled in real-time and are irreversible. Under certain market conditions, you may find it difficult or impossible to liquidate a position quickly at a reasonable price. This can occur, for example, when the market for a particular digital currency suddenly drops, or if trading is halted due to recent news events, unusual trading activity, or changes in the underlying digital currency system. Several US Federal agencies have also published advisory documents surrounding the risks of virtual currency. For more information see the CFPB's Consumer Advisory, the CFTC's Customer Advisory, the SEC's Investor Alert, and FINRA's Investor Alert. CoinZoom, Inc. does not make any investment recommendations. Neither the listing of a Digital Currency on this website nor any other communication, whether made through this website or in any other way, should be construed as a recommendation to buy or sell any Digital Currency. 

For more information see:
CFPB's Consumer Advisory
CFTC's Customer Advisory SEC's Investor Alert
FINRA's Investor Alert

PRIVACY POLICY 

The website, https://www.coinzoom.com/, however accessed (the "Site"), is owned and operated by CoinZoom, Inc. and its subsidiaries and affiliates (collectively, "CoinZoom", "we", "our", "us"). The Site has been created to provide a marketplace for buyers and sellers to trade digital currencies (the "Services") and we provide it to all users of the Site or the Services ("Users," "you," "your"), including institutional and retail investors ("investor(s)"). This Privacy Policy sets forth CoinZoom's privacy practices with respect to information, including personally identifiable data ("Personal Data"), and other information that is collected from Site visitors and Users of the Services on the Site. This Privacy Policy explains how CoinZoom collects and protects your Personal Data. By becoming a user through the Site or by otherwise submitting Personal Data to us on the Site, you give your consent to the collection and use of your Personal Data by CoinZoom as explained in this policy. 

What Information We Collect 

The information we collect varies depending on the type of activity you are performing on our Site or how you use the Services. At times we will collect personal information from you and in other instances our Site will collect other information in order to deliver our Services or as part of operating this Site. For example, when you become: (i) an Investor with CoinZoom by completing the account opening process or otherwise submit Personal Data in order to receive Services, e.g., when you make a wire transfer or tell us where to send money; or (ii) an Issuer that issued or is issuing utility coins and wants to list the utility coin through the Site by completing the necessary process and providing the appropriate disclosure of information, we may collect information about you, as further described below: 

Personal Data That You Provide Through the Site 

We collect Personal Data from you when you apply for, access and use products and Services on the Site offered by CoinZoom. This information may relate to your finances, employment, avocations or other personal characteristics, as well as transactions and interactions between or among you and our affiliated companies or others. The Personal Data that we collect may include your: name, address, citizenship, telephone number, email address, Social Security Number, date of birth and financial related information (including assets, net worth, income, account balances, account transactions, investments and investment experience). 

Other Information We Collect 

When you interact with CoinZoom through the Site or Services, we receive and store certain information about you. Such information, which may be collected passively, may specifically identify you. 

When you use our Site, we gather certain other information automatically ("Other Information") and store it in log files. This information may include Internet Protocol ("IP") addresses, browser type, Internet Service Provider ("ISP"), referring/exit pages, operating system, date/time stamp and clickstream data. 

Information We Collect from Third Parties 

We may collect information about you from third parties in order to meet certain legal or regulatory requirements and/or to protect against fraud. In some circumstances, we may obtain information from global terrorist watchlists and/or information about criminal offenses or convictions.

How to use Cookies

In operating this Site, we may also use a technology called "cookies." A cookie is a piece of information that the computer that hosts our Site gives to your browser when you access the Site. Our cookies help provide additional functionality to the Site and help us analyze Site usage more accurately. For instance, our Site may set a cookie on your browser that allows you to access the Site without needing to remember and then enter a password more than once during a visit to the Site. In all cases in which we use cookies, we will not collect Personal Data except with your permission. On most web browsers, you will find a "help" section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Site's features. 

The use of cookies by any of our affiliates or service providers is not covered by our privacy policy. We do not have access to or control over these cookies. Our partners use session ID cookies to make it easier for you to navigate our Site and use our Services. For more information about how we use cookies, please refer to our Cookie Policy. 

How We Use Your Information 

CoinZoom uses the Personal Data you provide and Other Information in a manner that is consistent with this Privacy Policy. If you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Personal Data you provide to respond to your communication. Also, if you provide Personal Data in order to obtain access to the Services, we will use your Personal Data to provide you with access to such Services and to monitor your use of such Services. In addition, we use your information to provide, analyze, administer, enhance and personalize our Site and Services to you, examples of how we use your information include to: 

1. Deliver our Services as requested
2. Communicate with you about our Site or Services
3. Provide you with information about goods or services that may interest you
4. Present you with marketing relating to our Services and more relevant display
5. Advertisements, and to share promotional events
6. Research and analysis to improve our Site and Services
7. Manage our Services offerings, and assess the effectiveness of our marketing efforts
8. Analyze and improve the content and functionality of our Site and Services 9. Improve our products, services, and business
10. Prevent, detect, or investigate security concerns, including fraud; and
11. Comply with applicable laws, regulations, or industry requirements
12. Fulfill any other purpose for which you provide it or consent 

If at any time you wish not to receive any future marketing communications, or you wish to have your name deleted from our mailing lists, please contact us as indicated below. Note, however, that as a User of the Service, we will send you administrative communications that are reasonably necessary to the Service, such as billing or service notifications. 

How We Share and Disclose of Your Personal Data and Other Information 

We will share Personal Data and Other Information with third parties (necessary vendors) in accordance with applicable law and in the ways that are described below. 

To those third parties who perform functions on our behalf, including support service providers, such as hosting, email and postal delivery, product and service delivery, analytics services, data maintenance and storage, ID verification, processing applications and payments and completing transactions. When we employ another company to perform a function on our behalf, we only provide them with the information that they need to perform that specific function. These companies are authorized to use your Personal Data only as necessary to provide these services to us. 

In accordance with a business transaction—if we engage in a merger, acquisition, bankruptcy, dissolution, reorganization, other business transaction, we may share information, including Personal Data, subject to confidentiality arrangements. 

1. To prevent, detect, or investigate security concerns, including fraud
2. To protect and defend our operations, rights, privacy, safety or property, or that of its subsidiaries, affiliates, officers, employees, contractors, agents and/or partners
3. To comply with applicable laws, regulations, or industry requirements
4. With law enforcement if required by law or in order to prevent fraud or other potential wrongdoing. 

We do not share your personal information with third parties for their direct marketing purposes. 

Your California Privacy Rights/ Do Not Track 

California residents visiting our Site may request that we not automatically gather and track information pertaining to their online browsing movements across the Internet. We do not track users through cookies or other tracking technologies across the internet. Third parties may collect information about you across different websites, including our website. We do not currently utilize the capability to respond to web browser do not track signals or other mechanisms that provide you with the ability to exercise choice regarding the collection of this information. 

California Law also permits California residents to opt-out of our disclosure of personal information to third parties for their direct marketing purposes or to learn the categories of recipients and information disclosed. We do not share your personal information with third parties for their marketing purposes. Your Access to and Control Over Your Information 

We enable you to have access to and control over the accuracy of your Personal Data. You can access, correct, update, amend, delete or request deletion of your Personal Data by emailing our Customer Support at [email protected] or by contacting us at the contact information listed below. We will respond to your request within 30 days. 

We will retain your Personal Data for as long as your account is active or as needed to provide you Services. Moreover, we will retain and use your Personal Data as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Security 

The security of your Personal Data is important to us. To protect your Personal Data from unauthorized access and use, we use administrative, technical, and physical security measures to protect against the loss, misuse and/or alteration of your information. These measures include computer safeguards and secured files and buildings. When you enter sensitive information (such as financial or personal information) on our website, we encrypt the transmission of that information using secure socket layer technology (SSL). We also use third-party ID verification to ensure our Users' true identities are validated. 

We follow generally accepted standards to protect the Personal Data submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Site, you can contact us at support.coinzoom.com

Children Under 13 Years Old 

This Site is not directed to or intended to be used by children under 13 years old. CoinZoom does not knowingly collect Personal Data from children under the age of 13. If you are under the age of 13, please do not submit any Personal Data through the Site.

Links to Other Web Sites 

This Privacy Policy applies only to the Site. This Site may contain links to other websites or third-party services not operated or controlled by CoinZoom, including social media features, (the "Third Party Sites"). The policies and procedures we described here do not apply to the Third-Party Sites. The links from this Site do not imply that CoinZoom endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies. 

Changes to CoinZoom's Privacy Policy 

We may update this privacy policy to reflect changes to our information practices. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. The date the Privacy Policy was last revised is identified at the top of the page. Your continued use of this Site after we email you or indicate that we made changes to the Privacy Policy is deemed to be acceptance of those changes. 

Contacting CoinZoom Please feel free to contact us if you have any questions about CoinZoom's Privacy Policy or the information practices of this: 

CoinZoom, Inc.
4640 S. Holladay Village Plaza, Suite #206
Salt Lake City, Utah 84117
https://support.coinzoom.com

AUSTRALIAN PRIVACY POLICY 

THE FOLLOWING SECTION CONTAINS AUSTRALIAN SPECIFIC PRIVACY PROVISIONS APPLICABLE TO USERS LOCATED IN AUSTRALIA ONLY 

This Australia / Global Privacy Policy (below) is applicable to CoinZoom users located outside of the United States. To the extent that the Policy below contradicts the United States Privacy Policy, the terms of this Australia / Global Privacy Policy control for users located outside of the United States. 

Additionally, please see the GDPR Addendum (further below) applicable solely and exclusively for users located in the European Union, as defined by EU Law. 

The website, http://www.coinzoom.com/ (the "Site"), is owned and operated by CoinZoom, Inc., the parent company of CoinZoom Australia Pty Ltd" and its subsidiaries and other affiliates (collectively, "CoinZoom", "we", "our", "us"). The Site has been created to provide a marketplace for buyers and sellers to trade digital currencies (the "Services") and we provide to all users of the Site or the Services ("Users," "you," "your"), including institutional and retail investors ("investor(s)"). 

This Privacy Policy explains how CoinZoom collects and protects your Personal Information and outlines how it complies with its obligations to manage and protect personal information under the Australian Privacy Principles contained in the Privacy Act 1988 (Cth) (Privacy Act). By becoming a user through the Site or by otherwise submitting Personal Information to us, you give your consent to the collection and use of your Personal Information by CoinZoom as explained in this policy. 

In this Policy 

Personal Information means information or an opinion relating to an individual, which can be used to identify that individual. 

Sensitive Information is personal information that includes information relating to a person's racial or ethnic origin, political opinions, religion, trade union or other professional or trade association membership, sexual preferences, and criminal record, and includes health information. 

What Information We Collect 

When you become: (i) an Investor with CoinZoom by completing the account opening process or otherwise submit Personal Information in order to receive Services, e.g., when you make a wire transfer or tell us where to send money; or (ii) an Issuer that issued or is issuing utility coins and wants to list the utility coin through the Site by completing the necessary process and providing the appropriate disclosure of information, we may collect information about you, as further described below: 

Personal Information That You Provide Through the Site: We collect Personal Information from you when you apply for, access, and use financial (and related) products and Services offered by CoinZoom whether in person, by telephone, or by providing information to us in hard copy or electronic form. We may verify this information or get additional information from consumer or investigative reporting agencies, credit reporting agencies, or public sources. This information may relate to your finances, employment, avocations, or other personal characteristics, as well as transactions and interactions between or among you and our affiliated companies or others. The Personal Information that we collect may include your name, address, citizenship, telephone number, email address, and date of birth, as well as details about your professional affiliations, assets, net worth, income, account balances, account transactions, investments, and investment experience. In addition, Web tools are used on our Site to help us monitor traffic patterns and to see how the User navigates through our Site, including using cookies. 

By voluntarily providing us with Personal Information and by using the Site, you are consenting to our use of your Personal Information in accordance with this Privacy Policy. If you provide Personal Information, you acknowledge and agree that such Personal Information may be transferred from your current location to the offices and servers of CoinZoom and the authorized third parties referred to herein, including those that are in the United States. 

Non-Identifiable or Aggregated Information: When you interact with CoinZoom through the Site or Services, we receive and store certain information about you. Such information, which may be collected passively, may specifically identify you. 

As is true of most websites, we gather certain information automatically and store it in log files. This information may include Internet Protocol ("IP") addresses, browser type, Internet Service Provider ("ISP"), referring/exit pages, operating system, date/time stamp, and clickstream data. CoinZoom may store such information itself or such information may be included in databases owned and maintained by CoinZoom's affiliates, agents or service providers, including those located in the United States and other locations outside Australia such as Amazon Web Services and Identity Mind. This Site may use such information and pool it with other information to track, for example, the total number of visitors to our Site, the number of visitors to each page of our Site, the domain names of our visitors' internet service providers, and how our users use and interact with the Services. Furthermore, in an ongoing effort to better understand and serve the users of the Services, CoinZoom often conducts research on its customers' demographics, interests, and behavior based on the Personal Information and other information provided to CoinZoom by Users. 

This research may be compiled and analyzed on an aggregate basis. CoinZoom may share this non-identifiable and aggregate data with its affiliates, agents, and business partners, but this type of non-identifiable and aggregate information does not identify you personally. CoinZoom may also disclose aggregated user statistics in order to describe our Services to current and prospective business partners and to other third parties for other lawful purposes. 

In operating this Site, we may also use a technology called "cookies." A cookie is a piece of information that the computer that hosts our Site gives to your browser when you access the Site. Our cookies help provide additional functionality to the Site and help us analyze Site usage more accurately. For instance, our Site may set a cookie on your browser that allows you to access the Site without needing to remember and then enter a password more than once during a visit to the Site. In all cases in which we use cookies, we will not collect Personal Information except with your permission. On most web browsers, you will find a "help" section on the toolbar. Please refer to this section for information on how to receive notifications when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Site's features. 

The use of cookies by any of our affiliates or service providers is not covered by our privacy policy. We do not have access to or control over these cookies. Our partners use session ID cookies to make it easier for you to navigate our Site and use our Services. 

How We Use Your Information 

CoinZoom uses the Personal Information you provide in a manner that is consistent with this Privacy Policy. If you provide Personal Information for a certain reason, we may use the Personal Information in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Personal Information you provide to answer your question or resolve your problem. Also, if you provide Personal Information in order to obtain access to the Services, we will use your Personal Information to provide you with access to such Services and to monitor your use of such Services. We also may obtain information about you from third-party sources to verify your identity, so we can properly process your requests, comply with our obligations under anti-money laundering and counter-terrorism financing law, and prevent fraud. By accessing our Site and using our Services, you hereby explicitly consent and agree that we may use your submitted Personal Information for such purposes. 

We may also use your Personal Information and other personally non-identifiable information collected through the Site to help us improve the content and functionality of the Site, to better understand our Users and to improve the Services. CoinZoom may use this information to communicate with you regarding the Services or to tell you about Services we believe will be of interest to you. If at any time you wish not to receive any future marketing communications or you wish to have your name deleted from our mailing lists, please contact us as indicated below. Note, however, that as a User of the Service, we will send you administrative communications that are reasonably necessary to the Service, such as billing or service notifications. If CoinZoom intends on using any Personal Information in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to such actual use. CoinZoom may only use or disclose your Sensitive Information for direct marketing if you consent to the use or disclosure of the information for that purpose. 

If the personal information we request is not provided, we may not be able to provide you with our services or meet your needs appropriately. CoinZoom does not give individuals the option of dealing with us anonymously, or under a pseudonym, because doing so is impractical and would breach CoinZoom's legal obligations under anti-money laundering and counter-terrorism financing laws. 

Our Disclosure of Your Personal Information and Other Information 

We will share personal and other information with third parties only in the ways that are described in this privacy policy. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Information and other information with certain third parties without further notice to you, as set forth below: 

Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution, or similar event, Personal Information may be part of the transferred assets and you will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information. 

Related Companies: CoinZoom may also share your Personal Information with its subsidiaries and other affiliates for purposes consistent with this Privacy Policy, including those located in the United States. 

Agents, Consultants, Service Providers, and Related Third Parties: CoinZoom, like many businesses, may hire other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases, ID verification, processing applications, shipping and fulfillment, processing payments and completing transactions. When we employ another company to perform a function of this nature, we only provide them with the information that they need to perform their specific function. These companies are authorized to use your Personal Information only as necessary to provide these services to us. Legal Requirements: CoinZoom may disclose your Personal Information if we believe that disclosure is required by applicable law, rules, or regulations to (i) cooperate with law enforcement or regulatory or self-regulatory organizations, (ii) comply with a legal obligation, (iii) protect and defend the rights or property of CoinZoom, (iv) act in urgent circumstances to protect the personal safety of users of the Site or the public against fraud or other harm, (v) enforce our customer and other agreements, or (vi) protect against legal liability. 

Overseas recipients: CoinZoom may disclose your Personal Information to entities located overseas, including (i) our related bodies corporate located in the United States; (ii) data hosting and IT service providers; and (iii) other third parties, including those located in the United States. We take reasonable steps to ensure that overseas recipients of personal information do not breach the privacy obligations relating to your personal information. 

Your Personal Information: If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete or request deletion by emailing our Customer Support at [email protected] or by contacting us at the contact information listed below. We will respond to your request within 30 days. 

We will retain your Personal Information for as long as your account is active or as needed to provide you Services. Moreover, we will retain and use your Personal Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. When you sign up for our Services or newsletter(s), we will send periodic emails to you regarding the Services or to tell you about Services we believe will be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails or you can contact us at [email protected].

Security: The security of your Personal Information is important to us. To protect your Personal Information from unauthorized access and use, we use security measures that comply with the Privacy Act of the APPs. These measures include computer safeguards and secured files and buildings. When you enter sensitive information (such as financial or personal information) on our website, we encrypt the transmission of that information using secure socket layer technology (SSL). We also use third-party ID verification to ensure our Users' true identities are validated. 

We follow generally accepted standards to protect the Personal Information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Site, you can contact us at [email protected].

Unsolicited information: CoinZoom may receive unsolicited personal information about individuals. CoinZoom's employees are required to notify the Data Privacy Officer of all unsolicited personal information received by them. We destroy all unsolicited personal information. 

Social Media Features: Our Site includes Social Media Features such as Like, Follow, Share, and Twitter buttons. These Features are interactive mini-programs and may collect your IP address, which page you are visiting on our Site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it. Personal Information we collect from your use of these features is managed in accordance with this Privacy Policy. 

Links to Other Web Sites: This Privacy Policy applies only to the Site. This Site may contain links to other websites not operated or controlled by CoinZoom (the "Third Party Sites"). The policies and procedures we describe here do not apply to Third-Party Sites. The links from this Site do not imply that CoinZoom endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies. 

Other Terms and Conditions: Your access to and use of this Site is subject to the Terms of Use. 

Changes to CoinZoom's Privacy Policy: We may update this privacy policy to reflect changes to our information practices. Any updated version of this Policy will be posted on our website. We encourage you to periodically review this page for the latest information on our privacy practices. 

Access to Personal Information: Subject to the exceptions set out in the Privacy Act, you may gain access to the personal information which CoinZoom holds about you by contacting the CoinZoom Privacy Officer. If we refuse to provide the information to you, we will provide reasons for the refusal, including any exceptions relied upon under the Privacy Act. 

Complaints handling: If you would like to make a complaint about the treatment or handling of your personal information, you can lodge a complaint with the CoinZoom Privacy Officer using the details listed below under the heading "Contacting CoinZoom". All complaints will be handled in accordance with our complaints handling process which involves (i) identifying (and addressing) any systematic/ongoing compliance problems; (ii) increasing consumer confidence in our privacy procedures; and (iii) helping to build and preserve our reputation and business. If you are not satisfied with our response to your complaint, you can also refer your complaint to the Office of the Australian Information Commissioner: 

1300 363 992
Director of Complaints,
Office of the Australian Information Commissioner,
GPO Box 5218, SYDNEY NSW 2001
[email protected]

Contacting CoinZoom: Please feel free to contact us if you have any questions or concerns about CoinZoom's Privacy Policy, our handling of your Personal Information or the information practices of this Site: 

CoinZoom, Inc.
4640 S. Holladay Village Plaza, Suite #206
Salt Lake City, Utah 84117
https://support.coinzoom.com
or
[email protected].

GDPR ADDENDUM (Applicable solely and exclusively for users located in the European Union, as defined by EU Law) Definitions GDPR means the General Data Protection Regulation. Responsible Person means – Charles A. Christofilis, Acting Data Privacy Officer. Register of Systems means a register of all systems or contexts in which personal data is processed by CoinZoom.

1. Data protection principles 

CoinZoom is committed to processing data in accordance with its responsibilities under the GDPR. Article 5 of the GDPR requires that personal data shall be: 

a. processed lawfully, fairly, and in a transparent manner in relation to individuals;
b. collected for specified, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes; further processing for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes shall not be incompatible with the initial purposes;
c. adequate, relevant, and limited to what is necessary in relation to the purposes for which they are processed;
d. accurate and, where necessary, kept up to date; every reasonable step must be taken to ensure that personal data that are inaccurate, having regard to the purposes for which they are processed, are erased or rectified without delay;
e. kept in a form which permits identification of data subjects for no longer than is necessary for the purposes for which the personal data are processed; personal data may be stored for longer periods insofar as the personal data will be processed solely for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes subject to the implementation of the appropriate technical and organizational measures required by the GDPR in order to safeguard the rights and freedoms of individuals; and
f. processed in a manner that ensures appropriate security of the personal data, including protection against unauthorized or unlawful processing and against accidental loss, destruction, or damage, using appropriate technical or organizational measures. 

2. General Provisions 

a. This policy applies to all personal data processed by CoinZoom for users located in the European Union;
b. The Responsible Person shall take responsibility for CoinZoom's ongoing compliance with this policy;
c. This policy shall be reviewed at least annually;
d. CoinZoom shall register with the Information Commissioner's Office as an organization that processes personal data. 

3. Lawful, fair, and transparent processing 

a. To ensure its processing of data is lawful, fair, and transparent, CoinZoom shall maintain a Register of Systems.
b. The Register of Systems shall be reviewed at least annually.
c. Individuals have the right to access their personal data and any such requests made to CoinZoom shall be dealt with in a timely manner. 

4. Lawful purposes 

a. All data processed by CoinZoom must be done on one of the following lawful bases:
i. consent, contract, legal obligation, vital interests, public task, or legitimate interests.
ii. CoinZoom shall note the appropriate lawful basis in the Register of Systems.
iii. Where consent is relied upon as a lawful basis for processing data, evidence of opt-in consent shall be kept with the personal data.
iv. Communications will only be sent to individuals based on explicit consent. If you wish to revoke consent to receive communications, please contact support. We have systems that should be in place to ensure such revocation is reflected accurately. 

5. Data minimization 

a. CoinZoom shall ensure that personal data are adequate, relevant, and limited to what is necessary for relation to the purposes for which they are processed. 

6. Accuracy 

a. CoinZoom shall take reasonable steps to ensure personal data is accurate.
b. Where necessary for the lawful basis on which data is processed, steps shall be put in place to ensure that personal data is kept up to date. 

7. Archiving / removal 

a. To ensure that personal data is kept for no longer than necessary, CoinZoom shall put in place an archiving policy for each area in which personal data is processed and review this process annually.
b. The archiving policy shall consider what data should/must be retained, for how long, and why. 

8. Security 

a. CoinZoom shall ensure that personal data is stored securely using modern software that is kept up to date.
b. Access to personal data shall be limited to personnel who need access and appropriate security should be in place to avoid unauthorized sharing of information.
c. When personal data is deleted this should be done safely such that the data is irrecoverable. d. Appropriate backup and disaster recovery solutions shall be in place. 

9. Breach 

In the event of a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, personal data, CoinZoom shall promptly assess the risk to people's rights and freedoms and if appropriate report this breach to the Information Commissioner's Office (ICO), the independent regulatory office in charge of upholding information rights in the interest of the public. 

© 2020 CoinZoom

Revision History: Previous Mar. 9, 2021 This Version Dated Mar. 15, 2021

PRIVACY POLICY

The website, https://www.coinzoom.com, however, accessed (the "Site"), is owned and operated by CoinZoom, Inc. and its subsidiaries and affiliates (collectively, "CoinZoom", "we", "our", "us"). The Site has been created to provide a marketplace for buyers and sellers to trade digital currencies (the "Services") and we provide it to all users of the Site or the Services ("Users," "you," "your"), including institutional and retail investors ("investor(s)"). This Privacy Policy sets forth CoinZoom's privacy practices with respect to information, including personally identifiable data ("Personal Data"), and other information that is collected from Site visitors and Users of the Services on the Site. This Privacy Policy explains how CoinZoom collects and protects your Personal Data. By becoming a user through the Site or by otherwise submitting Personal Data to us on the Site, you give your consent to the collection and use of your Personal Data by CoinZoom as explained in this policy.

What Information We Collect

The information we collect varies depending on the type of activity you are performing on our Site or how you use the Services. At times we will collect personal information from you and in other instances our Site will collect other information in order to deliver our Services or as part of operating this Site. For example, when you become: (i) an Investor with CoinZoom by completing the account opening process or otherwise submit Personal Data in order to receive Services, e.g., when you make a wire transfer or tell us where to send money; or (ii) an Issuer that issued or is issuing utility coins and wants to list the utility coin through the Site by completing the necessary process and providing the appropriate disclosure of information, we may collect information about you, as further described below:

Personal Data That You Provide Through the Site

We collect Personal Data from you when you apply for, access and use products and Services on the Site offered by CoinZoom. This information may relate to your finances, employment, avocations or other personal characteristics, as well as transactions and interactions between or among you and our affiliated companies or others. The Personal Data that we collect may include your: name, address, citizenship, telephone number, email address, Social Security Number, date of birth and financial related information (including assets, net worth, income, account balances, account transactions, investments and investment experience).

Other Information We Collect

When you interact with CoinZoom through the Site or Services, we receive and store certain information about you. Such information, which may be collected passively, may specifically identify you.

When you use our Site, we gather certain other information automatically ("Other Information") and store it in log files. This information may include Internet Protocol ("IP") addresses, browser type, Internet Service Provider ("ISP"), referring/exit pages, operating system, date/time stamp and clickstream data.

Information We Collect from Third Parties

We may collect information about you from third parties in order to meet certain legal or regulatory requirements and/or to protect against fraud. In some circumstances, we may obtain information from global terrorist watchlists and/or information about criminal offenses or convictions.

How to use Cookies

In operating this Site, we may also use a technology called "cookies." A cookie is a piece of information that the computer that hosts our Site gives to your browser when you access the Site. Our cookies help provide additional functionality to the Site and help us analyze Site usage more accurately. For instance, our Site may set a cookie on your browser that allows you to access the Site without needing to remember and then enter a password more than once during a visit to the Site. In all cases in which we use cookies, we will not collect Personal Data except with your permission. On most web browsers, you will find a "help" section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Site's features.

The use of cookies by any of our affiliates or service providers is not covered by our privacy policy. We do not have access to or control over these cookies. Our partners use session ID cookies to make it easier for you to navigate our Site and use our Services. For more information about how we use cookies, please refer to our Cookie Policy.

How We Use Your Information

CoinZoom uses the Personal Data you provide and Other Information in a manner that is consistent with this Privacy Policy. If you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Personal Data you provide to respond to your communication. Also, if you provide Personal Data in order to obtain access to the Services, we will use your Personal Data to provide you with access to such Services and to monitor your use of such Services. In addition, we use your information to provide, analyze, administer, enhance and personalize our Site and Services to you, examples of how we use your information include to:

1. Deliver our Services as requested
2. Communicate with you about our Site or Services
3. Provide you with information about goods or services that may interest you
4. Present you with marketing relating to our Services and more relevant display
5. Advertisements, and to share promotional events
6. Research and analysis to improve our Site and Services
7. Manage our Services offerings, and assess the effectiveness of our marketing efforts
8. Analyze and improve the content and functionality of our Site and Services
9. Improve our products, services, and business
10. Prevent, detect, or investigate security concerns, including fraud; and
11. Comply with applicable laws, regulations, or industry requirements
12. Fulfill any other purpose for which you provide it or consent

If at any time you wish not to receive any future marketing communications, or you wish to have your name deleted from our mailing lists, please contact us as indicated below. Note, however, that as a User of the Service, we will send you administrative communications that are reasonably necessary to the Service, such as billing or service notifications.

How We Share and Disclose of Your Personal Data and Other Information

We will share Personal Data and Other Information with third parties (necessary vendors) in accordance with applicable law and in the ways that are described below.

To those third parties who perform functions on our behalf, including support service providers, such as hosting, email and postal delivery, product and service delivery, analytics services, data maintenance and storage, ID verification, processing applications and payments and completing transactions. When we employ another company to perform a function on our behalf, we only provide them with the information that they need to perform that specific function. These companies are authorized to use your Personal Data only as necessary to provide these services to us.

In accordance with a business transaction—if we engage in a merger, acquisition, bankruptcy, dissolution, reorganization, other business transaction, we may share information, including Personal Data, subject to confidentiality arrangements.

1. To prevent, detect, or investigate security concerns, including fraud
2. To protect and defend our operations, rights, privacy, safety or property, or that of its subsidiaries, affiliates, officers, employees, contractors, agents and/or partners
3. To comply with applicable laws, regulations, or industry requirements
4. With law enforcement if required by law or in order to prevent fraud or other potential wrongdoing.

We do not share your personal information with third parties for their direct marketing purposes.

Your California Privacy Rights/ Do Not Track

California residents visiting our Site may request that we not automatically gather and track information pertaining to their online browsing movements across the Internet. We do not track users through cookies or other tracking technologies across the internet. Third parties may collect information about you across different websites, including our website. We do not currently utilize the capability to respond to web browser do not track signals or other mechanisms that provide you with the ability to exercise choice regarding the collection of this information.

California Law also permits California residents to opt-out of our disclosure of personal information to third parties for their direct marketing purposes or to learn the categories of recipients and information disclosed. We do not share your personal information with third parties for their marketing purposes. Your Access to and Control Over Your Information

We enable you to have access to and control over the accuracy of your Personal Data. You can access, correct, update, amend, delete or request deletion of your Personal Data by emailing our Customer Support at [email protected] or by contacting us at the contact information listed below. We will respond to your request within 30 days.

We will retain your Personal Data for as long as your account is active or as needed to provide you Services. Moreover, we will retain and use your Personal Data as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Security

The security of your Personal Data is important to us. To protect your Personal Data from unauthorized access and use, we use administrative, technical, and physical security measures to protect against the loss, misuse and/or alteration of your information. These measures include computer safeguards and secured files and buildings. When you enter sensitive information (such as financial or personal information) on our website, we encrypt the transmission of that information using secure socket layer technology (SSL). We also use third-party ID verification to ensure our Users' true identities are validated.

We follow generally accepted standards to protect the Personal Data submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Site, you can contact us at [email protected].

Children Under 13 Years Old

This Site is not directed to or intended to be used by children under 13 years old. CoinZoom does not knowingly collect Personal Data from children under the age of 13. If you are under the age of 13, please do not submit any Personal Data through the Site.

Links to Other Web Sites

This Privacy Policy applies only to the Site. This Site may contain links to other websites or third-party services not operated or controlled by CoinZoom, including social media features, (the "Third Party Sites"). The policies and procedures we described here do not apply to the Third-Party Sites. The links from this Site do not imply that CoinZoom endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies.

Changes to CoinZoom's Privacy Policy

We may update this privacy policy to reflect changes to our information practices. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. The date the Privacy Policy was last revised is identified at the top of the page. Your continued use of this Site after we email you or indicate that we made changes to the Privacy Policy is deemed to be acceptance of those changes.

Contacting CoinZoom Please feel free to contact us if you have any questions about CoinZoom's Privacy Policy or the information practices of this:

CoinZoom, Inc.
4640 S. Holladay Village Plaza, Suite #206
Salt Lake City, Utah 84117
https://support.coinzoom.com

MARGIN TRADING IS EXTREMELY RISKY AND YOU MAY LOSE MORE THAN, AND BE RESPONSIBLE FOR LOSSES IN EXCESS OF, THE ASSETS IN YOUR ACCOUNT.

THESE TERMS ARE IN ADDITION TO COINZOOM’S TERMS OF USE (INCLUDING ITS ARBITRATION PROVISIONS)

In order to utilize the margin trading capability, you must post collateral to your margin wallet on the CoinZoom platform.

The amount of collateral you post to your margin wallet bears no relation to the risk that you are taking by trading on margin.  All of your assets held by CoinZoom in any Crypto Currency or Token, including all assets in the EARN Wallet and “Stable Coins” or Fiat Accounts, will be cross-collateralized for purposes of margin trading.  Additionally, you agree to be personally liable and to pay in full and on demand any outstanding liability of any unpaid margin balance to CoinZoom should your margin trade be liquidated with a balance outstanding to CoinZoom.

CoinZoom may liquidate all or some of your assets to bring up the collateral in your account above minimum margin requirements if it hits liquidation limits (margin call). CoinZoom will liquidate more than is necessary to bring the collateral to an amount significantly over 100% margin collateral requirements (such as 110% or 125%) to avoid multiple margin calls or liquidations.

CoinZoom may, in its sole discretion, unilaterally close positions, limit positions, and/or increase the collateral requirements (for example from 60% to 80%) in a fast or volatile market or in anticipation of such market or any event that may prevent an orderly market.

Notices to post collateral may be sent concurrently with or after actions, such as liquidations, in which case you will not have time to react or remedy any shortfall, or prevent liquidation.

The amount of margin available is subject to market availability generally and may be limited to balances available for borrowing from the CoinZoom EARN Wallets.

CoinZoom in its sole discretion may charge overnight fees for limit orders on margin trades placed away from the market, even if such orders are not executed and do not actually utilize margin because of the opportunity cost and reduction of availability of margin such orders cause.

The FEE SCHEDULE is hereby incorporated by reference and may change at any time with or without notice.

COINZOOM STAKING PROGRAM TERMS AND AUTHORIZATION AGREEMENT

The CoinZoom STAKING Program allows you to lend your Digital Currencies to STAKING interest. To participate in the Program, you must agree to the Terms of Service (posted on Trade.Coinzoom.com) and this Authorization Agreement. By choosing to participate in our Program, you acknowledge that you have read, understood, and agreed to both he Terms of Use and this Authorization Agreement.

1. PROGRAM OVERVIEW AND RISKS
BY USING THIS FUNCTIONALITY, YOU ACCEPT THE RISK OF LOSS ASSOCIATED WITH LOAN TRANSACTIONS, UP TO, AND INCLUDING, TOTAL LOSS OF YOUR DIGITAL CURRENCIES. YOU SHOULD NOT ENGAGE IN THE STAKING PROGRAM UNLESS YOU FULLY UNDERSTAND THE NATURE OF THE TRANSACTION YOU ARE ENTERING INTO AND THE EXTENT OF YOUR EXPOSURE TO LOSS.

Staking means earning rewards or interest via proof of stake on validator nodes, for in kind interest earned (in native crypto currency). Staking is only possible via proof of stake consensus mechanisms, which select honest participants and verify new blocks of data being added to the network. CoinZoom is able to offer STAKING via sublicensing agreements with unaffiliated validator nodes, who in turn will join staking pools and raise funds through delegation. More specifically, Coinzoom will act as your agent and stake via a limited, non-exclusive, nontransferable right and license to access and use the Nodes and to develop, launch, and manage validator nodes on your behalf with unaffiliated third-party vendors.

Coinzoom has no control over digital asset protocols and does not own nor control the underlying software protocols which govern the operation of crypto currencies supported by the Nodes. The underlying protocols are typically open source, and anyone can use, copy, modify, and distribute them. Coinzoom assumes no responsibility for the operation of the underlying protocols and is not able to guarantee the functionality or security of network operations. In particular, the underlying protocols may be subject to sudden changes in operating rules (including, without limitation, “forks”). Any such operating changes may materially affect the availability, value, functionality, and/or the name of the crypto currency you own. Coinzoom does not control the timing and features of these material operating changes. In the event of any such operational change, Coinzoom reserves the right to takes such steps as may be

necessary to protect the security and safety of its Services, including temporarily suspending operations for the involved asset(s), and other necessary steps; Coinzoom will use its best efforts to provide Customer with notice of its response to any material operating change; however, such changes are outside of Coinzoom’s control and may occur without notice to Coinzoom. Coinzoom’s response to any material operating change is subject to its sole discretion and includes deciding not to support any new crypto currency, fork, or other actions. Customer acknowledges and accepts the risks of operating changes to crypto currency protocols and agrees that Coinzoom is not responsible for such operating changes and not liable for any loss of value or missed rewards Customer may experience as a result of such changes in operating rules.

In certain circumstances your Staked Crypto Assets may be subject to a Slashing Penalty. In such cases, and subject to the Third Party Agreement, Staking Affiliate may reimburse us for such Slashing Penalties, which we will pay to your Account promptly on receipt from Staking Affiliate. Slashing Reimbursements are subject to a global cap and a de minimis amount of USD 500.

Because crypto currencies staked on nodes with unaffiliated, third party node operators, Insurance coverage usually available at the Custodian level does not apply to STAKING, and crypto currencies staked on nodes are not insured by CoinZoom or any governmental program or institution. 

2. Participation in the Program 

You agree that you will only place and assets including Digital Currencies on the CoinZoom Exchange generally (including in the STAKING program) that you are the legal and beneficial owner of, and that all assets in whatever form are free and clear of all liens, claims, security interests and encumbrances; and that you are acting for your own account and not on behalf of any other person or entity. 

By participating in STAKING you also agree that you have the legal right and authority to Agree to this Section and the Terms of Use generally, that you have the authority to enter the transactions and have taken all necessary action for the execution, delivery, and performance of these Terms, and that these Terms constitute a legal, valid, binding and enforceable obligation; and that you will at all times comply with all applicable laws and regulations. 

3. Appointment of CoinZoom as Your Agent 

You agree to appoint CoinZoom as Agent with the responsibility and authority to do whatever is necessary to administer the staking of your Digital Currencies.  This means that CoinZoom will act on your behalf but will not hold or use your assets for its own direct benefit nor comingle any of your Digital Currencies.  Coinzoom will stake your Digital Currencies through various third-party vendors and will take a spread on the staking rewards earned, but will not hypothecate, rehypothecate, use for collateral, comingle or use your Digital Currencies for any other purpose than staking.  Coinzoom will at all times segregate your assets from its own. 

4. Digital Asset Staking Agreements 

CoinZoom will enter into one or more Staking Agreements with software vendors or custodians to stake your assets.  The terms of staking agreements are typically for specified periods of time for specified Tokens will be determined by market conditions and pursuant to one or more “Term Sheets” dictating the terms of the staking.  The terms may change at any time without notice, and there is no assurance that staking will be available for any specific Token at any time.  

5. Making Loans to Borrowers 

Once Digital Currencies are placed in the STAKING wallet, they cannot be sold or transferred off the CoinZoom Exchange.  STAKING opportunities will generally be allocated across the board with interest determined by market forces but may be allocated according to methods established by us from time to time.  Your interest may cease without notice if the loans backing your STAKING interest is repaid in full, or if the Digital Currencies pledged to STAKING the interest delist on the CoinZoom or any other Exchange for any reason.  

When we loan out Digital Currencies, we may not be able to call them back as anticipated even if directed by you.  In fact, we cannot guarantee the return of your assets in STAKING, and you agree to assume the risk of the borrow of your assets defaulting which could result in the total loss of your assets. 

6. Transfer of Information to Borrowers 

In addition to sharing your information with necessary service providers in order to service your account, the affiliates and other service providers or the duly registered financial institutions facilitating the STAKING Program also require certain identifying information from you and may store, access, transfer or use your personal information differently than we do.  

7. Distributions, Staking and Voting Rights with Respect to Loaned Digital Assets 

Any and all Forked or Airdropped Tokens or Voting Rights may not available on any Digital Currency / Tokens placed in the STAKING wallet, and we are not responsible for notifying you of any upcoming or planned Fork, Airdrop, or any other token specific distribution on STAKING wallet assets. CoinZoom may alert you to an upcoming forks or airdrops so that you can move your eligible Digital Currency / Tokens out of STAKING to receive the forked or airdropped assets, or alternatively CoinZoom may attempt to attribute forked or airdropped assets to you as the beneficial owner if these are not claimed by the borrower of your Digital Currency / Tokens in its sole discretion. 

8. Fees and Charges 

CoinZoom takes a spread on STAKING, and the interest you earn STAKING is net of the CoinZoom fee.  CoinZoom may charge additional fixed or variable rates or administrative fees, which will be disclosed in advance. Minimum balance requirements and loan terms and conditions, including any administrative fees, the timing of calling or moving assets into or out of the STAKING wallet and the payment and accrual of interest in the STAKING program, will be listed on the Fee Schedule accessible through the CoinZoom website under STAKING and can also be found at Trade.CoinZoom.com and the mobile Application. 

9. Standard of Care and Indemnification 

CoinZoom will not be liable absent gross negligence or intentional misconduct. 

You shall defend, indemnify, and hold harmless CoinZoom, its affiliates and each of its, and its affiliates employees, contractors, directors, suppliers and representatives from all liabilities, claims, and expenses, including reasonable attorneys’ fees, that arise from or relate to your use or misuse of, or access to, the Site, Services, Content or otherwise from your User Submissions (including breach of your representations to us), violation of the Agreement, or infringement by you, or any third party use of your account, of any intellectual property or other right of any person or entity. CoinZoom reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with CoinZoom in asserting any available defenses. 

You agree not to game or take advantage of any CoinZoom Exchange or STAKING Program limitations, rules or system glitches that would unjustly enrich you. You agree to notify CoinZoom immediately of any activity or technical failures which would jeopardize the integrity of the Exchange, and you agree to cooperate fully in remedying the failure and mitigating the loss to CoinZoom and other users. You also agree to bear the legal costs of recovery CoinZoom may incur for any unjust enrichment gained by your exploiting or gaming limitations of the Exchange. 

10. Representations and Warranties 

CoinZoom has no special relationship with or fiduciary duty to you. You acknowledge that CoinZoom has no control over, and no duty to take any action regarding: which Users gain access to the Site; what Content you access via the Site; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content. You release CoinZoom from all liability for you having acquired or not acquired Content through the Site. CoinZoom makes no representations concerning any Content contained in or accessed through the Site, and CoinZoom will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Site or the Services. 

CoinZoom will not be liable in any way to you or to any other person for any inaccuracy, error or delay in or omission of any third party data or the transmission or delivery of any such third party data and any loss or damage arising from (a) any such inaccuracy, error, delay or omission, (b) non-performance or (c) interruption in any such third-party data due either to any negligent act or omission by CoinZoom or “force majeure”, pandemic or any other cause beyond the control of CoinZoom. Such errors would include input instructions errors, including price or quantity errors caused by key input errors (fat fingering), transposing numbers, misplacing decimals, duplicate or failed trade instructions or crypto sent to the wrong wallet address (for example, Bitcoin sent to a Bitcoin Cash address). 

11. Sublicensee Default 

In the event of a sublicensee default, you authorize us to mitigate damages and seek recovery although we will have no obligation to do so.  Because it is impossible to cancel, reverse, or change any crypto transfer to any wallet or any transaction marked as complete or pending, CoinZoom cannot cancel or reverse transactions once Tokens are placed in the STAKING Program and sent out.  Because of the inability to reverse transactions, CoinZoom will be severely limited in its ability to recover assets in the case of default. 

12. Continuing Agreement; Termination; Remedies 

You or CoinZoom may terminate the STAKING functionality or your account entirely at any time for any reason, however, the STAKING terms will survive and continue in full force and effect in all other respects until all assets pledged in staking have been withdrawn. 

13. Agents and Subcontractors 

CoinZoom may use any additional custodians, agents, contractors, or subcontractors as necessary or appropriate to facilitate the STAKING feature, in its sole discretion and without notice. 

14. Force Majeure 

CoinZoom shall not be liable for any delays, failure in performance, or interruption of service, including significant market volatility, regulatory action, acts of God, act of civil or military authorities, terrorist attack, pandemic, civil disturbance, government shutdown (however caused), war, strike, labor dispute, fire, interruption in telecommunications or Internet services or network provider services, system outages, blockchain processing back-ups, traffic jams or delays, failure of equipment and/or software, other catastrophe or occurrence beyond our control. 

15. Miscellaneous 

You agree that this Authorization Agreement is subject to the CoinZoom “Terms of Use”, which also govern this Authorization Agreement. In case of conflict, the CoinZoom “Terms of Use” which is incorporated by reference, shall control.  If any provision of the Terms of Use or this Authorization Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Agreement will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. 

16. Governing Law and Binding Arbitration 

Except as otherwise expressly provided in this Agreement, or if this provision is found by a court of competent jurisdiction to be unenforceable, any civil claim which arises out of or relates in any way to this Agreement shall be resolved in Salt Lake City, Utah, USA in accordance with the terms and procedures of the Utah Arbitration Act (as detailed in the Terms of Use).   

This Agreement (and any further rules, policies or guidelines incorporated by reference herein) shall be governed by and construed in accordance with the laws of the State of Utah, without giving effect to any principles of conflicts of law. Judgment on any award entered by the arbitrator may be entered in any court having jurisdiction thereof. User agrees that it may bring claims against CoinZoom only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. 

17. Modification 

CoinZoom reserves the right, at its sole discretion, to modify or replace any of the terms of this Agreement, or change, suspend, or discontinue the Services (including without limitation, the availability of any feature, database, or content) at any time. Such modifications shall become part of this Agreement and are automatically effective once posted on the Site. We may, but are not required to, send you an email about such modifications. This Agreement may not be orally amended. CoinZoom may also impose limits on certain features and Services or restrict your access to parts or all of the Services without notice or liability. It is your responsibility to check the terms of this Agreement periodically for changes. Your continued use of the Services following the posting of any changes to the Terms of Use constitutes acceptance of the changes.

COINZOOM NFT MARKETPLACE

April 6, 2022 Version 2.0

COINZOOM NFT MARKETPLACE TERMS AND AUTHORIZATION AGREEMENT

The CoinZoom NFT Marketplace allows you to buy Non-Fungible Tokens (NFTs) in multiple currencies, store the NFTs in your CoinZoom Wallet and transfer the NFTs to your own device or any other compatible Wallet.  To participate in the Program, you must agree to the Terms of Service (posted on Trade.Coinzoom.com) and this Authorization Agreement. By choosing to participate in our Program, you acknowledge that you have read, understood, and agreed to both the Terms of Use and this Authorization Agreement.

1. NFT MARKETPLACE OVERVIEW AND RISKS

BY USING THE COINZOOM NFT MARKETPLACE, YOU ACCEPT THE RISK OF LOSS ASSOCIATED WITH NFTs AND ALSO THE DIGITAL CURRENCIES IN WHICH THEY ARE DENOMINATED, UP TO, AND INCLUDING, TOTAL LOSS OF YOUR DIGITAL CURRENCIES. YOU SHOULD USE THE COINZOOM NFT MARKETPLACE UNLESS YOU FULLY UNDERSTAND THE NATURE OF THE TRANSACTION YOU ARE ENTERING INTO AND THE EXTENT OF YOUR EXPOSURE TO LOSS.

The risks of NFTs are numerous and varied, and in addition to the risks of cryptocurrency assets generally as described in the CoinZoom Terms of Service.

NFTs have unique and additional risks such including (and without limitation): counterfeit risk, impersonation risks (that is, users/creators of NFTs posing as famous artists or celebrities), and the value of NFTs is highly arbitrary, subjective, subject to potential manipulation and can fluctuate based on the volatility of the cryptocurrency on in which NFT is denominated. Additionally, the transfer of NFTs is subject to numerous technical risks such as delay, disruption or error in transmission, sending the NFT to the wrong wallet, the irreversibility of blockchain transactions generally, and delays backups and gas fees associated with the blockchains on which the NFT is denominated.

By using the CoinZoom NFT Marketplace, you agree that you are solely responsible for and agree to assume the risk for using the CoinZoom NFT marketplace.

2. Participation in the NFT Marketplace

By participating in NFT Marketplace you also agree that you have the legal right and authority to Agree to this Section and the Terms of Use generally, that you have the authority to enter the transactions and have taken all necessary action for the execution, delivery, and performance of these Terms, and that these Terms constitute a legal, valid, binding and enforceable obligation; and that you will at all times comply with all applicable laws and regulations.

You agree that you will only list for sale NFTs that you are the legal and beneficial owner of, that are not misrepresented in terms of the artist or authenticity, and that all NFTs listed in whatever form are free and clear of all liens, claims, security interests and encumbrances; and that you are acting for your own account and not on behalf of any other person or entity.

You agree that when you bid for or purchase an NFT, that you are not affiliated with the seller or creator of that NFT, that you have done your own research and have made your own decisions regarding that value of the NFT on a personal basis and did not rely upon any representations regarding the authenticity of the NFT, the creator of the NFT or that any market or value whatsoever exists for the NFT after purchase.  You acknowledge that (a) certain NFTs may be subject to terms and conditions of the creator or seller of the NFT, as stated in the description and/or metadata of the NFT itself, and (b) by purchasing an NFT on the NFT Marketplace, you are agreeing to be bound by and comply with any such terms and conditions.

3. Appointment of CoinZoom as Your Agent

You agree to appoint CoinZoom as Agent with the responsibility and authority to do whatever is necessary to administer the NFT Marketplace.  This means that CoinZoom will act on your behalf but will not hold or use your assets for its own direct benefit nor comingle any of your Digital Assets (including Digital Currencies and NFTs).  Coinzoom operates the NFT Marketplace through various third-party vendors, but will not hypothecate, rehypothecate, use for collateral, comingle, or use your Digital Assets (including Digital Currencies and NFTs) for any other purpose other than in an agency capacity.  Coinzoom will at all times segregate your assets from its own, and will be compensated via a transaction-based fee.

4. Digital Asset and NFT Wallets

CoinZoom will enter into one or more Agreements with software vendors or custodians to custody your Digital Assets (including Digital Currencies and NFTs) in “Wallets”.  The underlying unaffiliated custodian and wallet are typically based upon the specified Token and DLT underlying that Token, whether Digital Currency or NFT). The terms may change at any time without notice.

5. Making Loans to Borrowers

Once an NFT is purchased, it cannot be used for collateral to generate interest in CoinZoom EARN or traded on the CoinZoom Exchange unless sold on the NFT Marketplace in exchange for a fungible (tradable) Digital Currency.  There is no assurance that a market will exist for your NFT once purchased, and CoinZoom makes no representation regarding the value or appreciation of any NFT.

6. Transfer of Information to Borrowers

In addition to sharing your information with necessary service providers in order to service your account, the affiliates and other service providers facilitating the NFT Marketplace also require certain identifying information from you and may store, access, transfer or use your personal information differently than we do.

7.   Intellectual Property Rights

You agree not to copy or infringe on the intellectual property of others and agree that you will not coordinate pricing of any NFTs with other CoinZoom Users or third parties.

8. Fees and Charges

CoinZoom charges fees and commissions for purchases and sales on the NFT Marketplace.  CoinZoom may charge additional fixed or variable rates or administrative fees, which will be disclosed in advance. Minimum balance requirements will be listed on the Fee Schedule accessible through the CoinZoom website under “NFT Marketplace” and can also be found at Trade.CoinZoom.com and the mobile Application.

9. Standard of Care and Indemnification

CoinZoom will not be liable absent gross negligence or intentional misconduct.

You shall defend, indemnify, and hold harmless CoinZoom, its affiliates and each of its, and its affiliates employees, contractors, directors, suppliers and representatives from all liabilities, claims, and expenses, including reasonable attorneys’ fees, that arise from or relate to your use or misuse of, or access to, the Site, Services, Content or otherwise from your User Submissions (including breach of your representations to us), violation of the Agreement, or infringement by you, or any third party use of your account, of any intellectual property or other right of any person or entity. CoinZoom reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with CoinZoom in asserting any available defenses.

You agree not to game or take advantage of the CoinZoom Exchange or CoinZoom NFT Marketplace, rules or system glitches that would unjustly enrich you or others. You agree to notify CoinZoom immediately of any activity or technical failures which would jeopardize the integrity of the Exchange, and you agree to cooperate fully in remedying the failure and mitigating the loss to CoinZoom and other users. You also agree to bear the legal costs of recovery CoinZoom may incur for any unjust enrichment gained by your exploiting or gaming limitations of the Exchange.

10. Representations and Warranties

CoinZoom has no special relationship with or fiduciary duty to you. You acknowledge that CoinZoom has no control over, and no duty to take any action regarding: which Users gain access to the Site; what Content you access via the Site; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content. You release CoinZoom from all liability for you having acquired or not acquired Content through the Site. CoinZoom makes no representations concerning any Content contained in or accessed through the Site, and CoinZoom will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Site or the Services, including the authenticity of NFTs or the Creators of NFTs.

CoinZoom will not be liable in any way to you or to any other person for any inaccuracy, error or delay in or omission of any third party data or the transmission or delivery of any such third-party data and any loss or damage arising from (a) any such inaccuracy, error, delay or omission, (b) non-performance or (c) interruption in any such third-party data due either to any negligent act or omission by CoinZoom or “force majeure”, pandemic or any other cause beyond the control of CoinZoom. Such errors would include input instructions errors, including price or quantity errors caused by key input errors (fat fingering), transposing numbers, misplacing decimals, duplicate or failed trade instructions or crypto sent to the wrong wallet address (for example, Bitcoin sent to a Bitcoin Cash address).

11. Sublicensee Default

In the event of a sublicensee default, you authorize us to mitigate damages and seek recovery although we will have no obligation to do so.  Because it is impossible to cancel, reverse, or change any crypto transfer to any wallet or any transaction marked as complete or pending, CoinZoom cannot cancel or reverse transactions once NFT are bought or sold on the Marketplace and sent out.  Because of the inability to reverse transactions, CoinZoom will be severely limited in its ability to recover assets in the case of defaults, counterfeits, and imposters.

12. Continuing Agreement; Termination; Remedies

CoinZoom may terminate the NFT Marketplace entirely at any time for any reason, however, this NFT Marketplace Terms and Authorization Agreement will survive and continue in full force and effect in all other respects until all assets have been transferred off the platform.

13. Agents and Subcontractors

CoinZoom may use any additional custodians, agents, contractors, or subcontractors as necessary or appropriate to facilitate the NFT Marketplace, in its sole discretion and without notice.

14. Force Majeure

CoinZoom shall not be liable for any delays, failure in performance, or interruption of service, including significant market volatility, regulatory action, acts of God, act of civil or military authorities, terrorist attack, pandemic, civil disturbance, government shutdown (however caused), war, strike, labor dispute, fire, interruption in telecommunications or Internet services or network provider services, system outages, blockchain processing back-ups, traffic jams or delays, failure of equipment and/or software, other catastrophe or occurrence beyond our control.

15. Miscellaneous

You agree that this Authorization Agreement is subject to the CoinZoom “Terms of Use”, which also govern this Authorization Agreement. In case of conflict, the CoinZoom “Terms of Use” which is incorporated by reference, shall control.  If any provision of the Terms of Use or this Authorization Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Agreement will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.

16. Governing Law and Binding Arbitration.

Except as otherwise expressly provided in this Agreement, or if this provision is found by a court of competent jurisdiction to be unenforceable, any civil claim which arises out of or relates in any way to this Agreement shall be resolved in Salt Lake City, Utah, USA in accordance with the terms and procedures of the Utah Arbitration Act (as detailed in the Terms of Use).

This Agreement (and any further rules, policies, or guidelines incorporated by reference herein) shall be governed by and construed in accordance with the laws of the State of Utah, without giving effect to any principles of conflicts of law. Judgment on any award entered by the arbitrator may be entered in any court having jurisdiction thereof. User agrees that it may bring claims against CoinZoom only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

17. Modification

CoinZoom reserves the right, at its sole discretion, to modify or replace any of the terms of this Agreement, or change, suspend, or discontinue the Services (including without limitation, the availability of any feature, database, or content) at any time. Such modifications shall become part of this Agreement and are automatically effective once posted on the Site. We may, but are not required to, send you an email about such modifications. This Agreement may not be orally amended. CoinZoom may also impose limits on certain features and Services or restrict your access to parts or all of the Services without notice or liability. It is your responsibility to check the terms of this Agreement periodically for changes. Your continued use of the Services following the posting of any changes to the Terms of Use constitutes acceptance of the changes.

Weekly Sweepstakes Giveaway

NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. NON-PURCHASE ENTRIES Rules AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.

Eligibility:

The CoinZoom Weekly Sweepstakes Giveaway (the “Sweepstakes”) is open to anyone 18 years of age or older as of one day prior to the drawing. Void in Puerto Rico and where prohibited or otherwise restricted by law. Employees of CoinZoom Inc., and their respective subsidiaries, affiliates, agents, representatives, officers, directors, shareholders and employees (collectively, “Releasees”), and each of their immediate family members (spouse and parents, children and siblings, and their respective spouses, regardless of where they live) and individuals living in the same households of each of these individuals, whether related or not, of the above are not eligible to enter or win. The Sweepstakes is subject to all applicable federal, State and local laws. U.S. law governs this Sweepstakes.

Sweepstakes Timing/Description:

Weekly Sweepstakes Giveaway

The Weekly Sweepstakes Giveaway will take place each week from Thursday to Thursday starting on Thursday March 11, 2021 at 6 AM US Mountain Time and concluding at 3 PM US Mountain Time the same Thursday, on a recurring basis each Thursday. Unless canceled or changed by Notice via this web page Sweepstakes will continue year over year. Prizes will be awarded during and at the end of each the Sweepstakes Period in a random drawing among all eligible entries received. Your actual odds of winning depend on the number of eligible Entries received.

How to enter:

Twitter or Instagram

Entering the Sweepstakes requires no purchase or obligation, but you will need the CoinZoom Application and a Social Media Account in order to enter. Social Media accounts are currently limited to Twitter and Instagram. Entries will constitute either leaving a comment on CoinZoom’s Instagram page promoting this sweepstakes that includes Entrant’s ZoomMe handle or retweeting CoinZoom’s ZoomMe Sweepstakes Twitter post with Entrant’s “ZoomMe” handle (an “Entry”). CoinZoom reserves the right to disqualify automated, inappropriate or offensive entries in its sole discretion.

Visa

There are two (2) ways to enter via Visa swipe: 1) Automatic Entry: An eligible CoinZoom Visa Debit cardholder will automatically receive one (1) Sweepstakes entry for each eligible Visa purchase made with that CoinZoom Visa Debit Card at a participating merchant location within the U S during the Promotion Period or 2) via Twitter or Instagram as described above. Certain restrictions may apply. Automatic entries must be made by Noon Mountain Time each Thursday in order to be eligible;.

Determination of winners:

The 20 winners will be selected at random (5 from Twitter, 5 from Instagram and 10 from Visa card swipes (or alternatively manual entries)) in a Drawing at 3:01PM Mountain Time each Thursday from among all eligible automatic entries received by by Noon Mountain Time that Thursday.Winners selected from Instagram comments: https://miniwebtool.com/random-name-picker/ Winners selected from Twitter retweets:

Tweetdraw

Winners will be notified via direct message to their respective Instagram or Twitter account that was used to post the selected Instagram Comment or Twitter Tweet, or via email or USPS for Visa swipe entries.

Odds:

Estimated odds of winning are estimated at 1 in 1,000,000, however, the actual odds of winning depend upon the total number of eligible entries received during the Promotion Period; and the actual odds of winning a Prize depend upon the total number of eligible entries received.

Prizes:

Twenty (20) people will each win $250 worth of ZOOM Tokens (based on the ZOOM Token sales price at time of drawing). Total prizes awarded will total $5,000 worth of ZOOM Tokens. Winners will have $250 worth of ZOOM Tokens deposited directly into their CoinZoom account. No substitution, cash equivalent, or transfer of prize permitted except at the sole discretion of the Sponsor, who reserves the right to substitute a prize (or portion thereof) with one of equal or greater value, except as otherwise provided herein. All taxes, and any other costs and expenses associated with prize acceptance and use not specifically stated within these Official Rules as being provided, are the sole responsibility of the winner, including, without limitation, all federal, state, and local taxes. If winner is at least 18 years of age but still considered a minor in his/her state or place of residence, prize may be awarded in the name of his/her parent or legal guardian, who will be responsible for fulfilling all requirements imposed on winner set forth herein.

Conditions of Participation:

By entering, each entrant agrees to use a single email address (the email address used as the User Name on their CoinZoom Account), and to be bound by these Official Rules including all eligibility requirements and the decisions of the Sponsor and Judges, which are final and binding. By entering the Sweepstakes, each entrant consents to the use of his/her uploaded content, tweets, comments, likes, associated social media testimonials or endorsements, their name, image, likeness, photograph, voice, and biographical material for advertising, publicity, and promotional purposes by Sponsor, or party designated by the Sponsor, in any and all media now or hereafter devised, including but not limited to, any online announcements, worldwide in perpetuity, without additional compensation, notification, or permission, except where prohibited by law. Each entrant releases, indemnifies and holds harmless from any claims, actions, injury, loss, or damage of any kind, including but not limited to, any property damage, personal injury or death, resulting, directly or indirectly, in whole or in part, from participating in this Sweepstakes or any Sweepstakes-related activity or from the acceptance, possession, or use or misuse of a prize (including any travel/activity related thereto) or any claims based on publicity rights, defamation, invasion of privacy, breach of contract or merchandise delivery. Releasees shall not be liable for damages of any kind, including (without limitation) compensatory, direct, indirect, incidental, punitive or consequential damages; loss of data, income or profit; loss of damage to property; or any claims of third parties. Each entrant agrees that Releasees have not been made nor are in any manner responsible or liable for any warranty, representation, or guarantee, statutory, express or implied (including but not limited to, the implied warranties of merchantability, title, and fitness for a particular purpose), in fact or in law, relative to the Sweepstakes.

General:

Sponsor will collect personal identity information from entrants solely for the purpose of the prize drawings and to notify winners. Sponsor will not share this information with any third party, except as necessary for the administration of the Sweepstakes or for promotional activities as described above. Releasees are not responsible for lost, late, illegible, misdirected, inaccurate, incomplete, undelivered, damaged, delayed, garbled, misdirected, or fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly; or for any other errors or problems of any kind, whether typographical, printing, mechanical, human, electronic, or otherwise, relating to or in connection with the Sweepstakes, including, without limitation, any error or problem that may occur in connection with the administration of the Sweepstakes, the processing of entries, the announcement of a prize, or in any Sweepstakes-related materials. Entry materials that have been tampered with, altered or inappropriately duplicative are void.Sponsor reserves the right, in its sole discretion, to cancel or suspend part or all of this Sweepstakes at any time without notice, if in Sponsor’s opinion there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Sweepstakes, or if virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness, or integrity and proper play of the Sweepstakes. In the event of cancellation, Sponsor may void any entries it suspects are at issue and, at its discretion, if terminated, award prizes in random drawings from among all nonsuspect, eligible entries received up to the date of cancellation. Caution: Any attempt by an entrant or any other individual to damage the web site or undermine the legitimate operation of the Sweepstakes may be in violation of criminal and civil laws and, should such an attempt be made, the Sponsor reserves the right to seek damages and other remedies (including attorneys’ fees) from any such person to the fullest extent permitted by law, including criminal prosecution. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. Sponsor reserves the right to disqualify entrants who violate these Official Rules or interfere with this Sweepstakes in any manner.

Disputes:

Except where prohibited, all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Utah, without giving effect to any choice of law or conflict of law rules (whether of the State of Utah, or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Utah. Jurisdiction and venue shall be solely within the State of Utah.

Arbitration:

Except where prohibited by law, as a condition of participating in this Sweepstakes, participant agrees that (1) any and all disputes and causes of action arising out of or connected with this Sweepstakes, or any prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration in Salt Lake City, Utah under the Utah Arbitration Act, Title 78B, Chapter 11 of the Utah Code. Upon notice of a timely civil claim, the parties will agree upon an arbitrator or, if unable to agree, will seek court appointment of an arbitrator pursuant to the Utah Arbitration Act, Utah Code Ann. § 78B-11-112; (2) the Utah Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will participant be permitted to obtain awards for, and participant hereby waives all rights to claim, punitive, incidental or consequential damages, or any other damages, including attorneys' fees, other than participant's actual out-of-pocket expenses (i.e., costs associated with participating in this Sweepstakes), and participant further waives all rights to have damages multiplied or increased. Participant agrees to submit to binding arbitration in the jurisdiction in which they reside if this provision is deemed prohibited for any reason.

Winner's List:

For the names of the winners, mail a self-addressed, stamped envelope within 30 days after the drawing to: CoinZoom ZoomMe Sweepstakes / CoinZoom, Inc., 4640 S Holladay Village Plaza #206, Salt Lake City, UT 84117.

Sponsor and Administrator:

The Sponsor of this Sweepstakes is CoinZoom, Inc., 4640 S Holladay Village Plaza #206, Salt Lake City, UT 84117.

© Copyright 2021. All Rights Reserved.

The purchase of digital currencies is conducted through CoinZoom, Inc. By accessing this site, you agree to be bound by its Terms of Use and Privacy Policy. Digital currencies are not currently backed nor supported by any government or central bank. The value of digital currencies is determined by the economy of supply and demand, and they are more volatile than traditional currencies. Trading in digital currencies comes with significant risks, including volatile market price swings or flash crashes, market manipulation, regulatory risk, governmental prohibition and confiscation, technology risks, transmission risks, and cybersecurity risks. In addition, digital currency markets and exchanges are not regulated with the same controls or customer protections available in equity, option, futures, or foreign exchange investing. Digital Currency trading requires knowledge of digital currency markets. In attempting to profit through digital currency trading, you must compete with traders worldwide. You should have appropriate knowledge and experience before engaging in substantial Digital Currency trading. Digital Currency trading may not generally be appropriate, particularly with funds drawn from retirement savings, student loans, mortgages, emergency funds, or funds set aside for other purposes. Digital Currency trading may result in taxable consequences in your jurisdiction, and you must determine, report, and pay any applicable taxes. Digital Currency trading can lead to large and immediate financial losses, and trades are settled in real-time and are irreversible. Under certain market conditions, you may find it difficult or impossible to liquidate a position quickly at a reasonable price. This can occur, for example, when the market for a particular digital currency suddenly drops, or if trading is halted due to recent news events, unusual trading activity, or changes in the underlying digital currency system. Several US Federal agencies have also published advisory documents surrounding the risks of virtual currency. For more information see the CFPB’s Consumer Advisory, the CFTC’s Customer Advisory, the SEC’s Investor Alert, and FINRA’s Investor Alert. CoinZoom, Inc. does not make any investment recommendations. Neither the listing of a Digital Currency on this website nor any other communication, whether made through this website or in any other way, should be construed as a recommendation to buy or sell any Digital Currency. Updated April 3, 2019.

For more information see:

CFPB’s Consumer Advisory
CFTC’s Customer Advisory
SEC’s Investor Alert
FINRA’s Investor Alert

Security Disclosure Policy

At CoinZoom, we consider the security of our systems, platform and accounts a top priority. CoinZoom welcomes investigative work into security vulnerabilities carried out by well-intentioned, ethical security researchers.  

If you discover a vulnerability, we would like to know about it so we can take steps to address it as quickly as possible. This document aims to define a method by which CoinZoom can work with the security research community to improve our online security. 

Reporting a vulnerability

Please open a ticket at Support. Once you have added your findings to the support ticket, please email [email protected] with the ticket number.

Please do the following:

• Provide CoinZoom detailed reports with reproducible steps. Please include screenshots of the issue.
• Do not attempt to view, modify, or damage data.
• Do not take advantage of the vulnerability or problem you have discovered, for example by downloading more data than necessary to demonstrate the vulnerability or deleting or modifying other people's data.
• Do not reveal the problem to others until it has been resolved.

Do not use attacks on physical security, social engineering, distributed denial of service, spam or applications of third parties. 

What we promise

• If you act according to this policy, we will not take any legal action against you in regard to the report.
• We will handle your report with strict confidentiality, and not pass on your personal details to third parties without your permission. 

Bug Bounty 

As a token of our gratitude for your assistance, we do offer a reward to security researchers who take the time and effort to investigate and report security vulnerabilities to us according to this policy. You may be eligible to receive a monetary reward if the vulnerability is determined to be a valid security issue by CoinZoom, in our sole discretion.  

Out of scope for bug bounties are currently

• The SPF email configuration.
• Spam or social engineering techniques of users.
• Missing CAA records, missing HSTS header or "weak" TLS/SSL ciphers.
• Only vulnerabilities that haven’t been disclosed to the public before we fixed the bug are eligible for a reward.
• Vulnerabilities which are previously reported and/or already discovered by internal procedures.
• Reports of non-exploitable vulnerabilities.
• Volumetric attacks (i.e. trying to overwhelm our service with a high volume of requests).
• Reports indicating that our services do not fully align with "best practice" are not eligible for the bug bounty.
• Missing "X-Frame-Options" HTTP header. 

Do not subject our APIs, mobile or website to denial-of-service attacks, scraping, brute force, or other types of automated attacks. Do not try to get access to data of real customers. Use your own test accounts for a proof-of-concept. 

Our bounty rewards and response SLAs 

Our rewards are based on severity per CVSS v3.1 Ratings. In the event of duplicate reports, we award a bounty to the first person to submit an issue.  

To be eligible for the Critical severity bounty you additionally need to demonstrate that your attack could compromise the confidentiality or integrity of all CoinZoom accounts without any user interaction needed.

• Critical - $2,000 USD
• High - $250 USD
• Medium - $100U SD
• Low - $50 USD 

We aim at an initial response time of two business days. You should expect a payment through CoinZoom’s crypto currency platform in Zoom USD equivalent for confirmed vulnerabilities within two weeks. You must be a registered user and pass KYC verification to receive the bug bounty. 

Our rewards are based on severity per CVSS v3.1 Ratings. In the event of duplicate reports, we award a bounty to the first person to submit an issue. For a critical severity you additionally need to demonstrate that your attack could compromise the confidentiality or integrity of all CoinZoom users without any user interaction needed. 

Confidentiality 

We reserve the right to keep security issues that others have discovered confidential.  

Feedback 

Your input is valued to ensure that this policy is clear, complete and remains relevant. If you wish to provide feedback or suggestions on this policy, please contact CoinZoom’s security team: [email protected].

CoinZoom reserves the right to modify or cancel Security Disclosure Program at anytime and without notice.

Taylor Swift Tickets Sweepstakes Giveaway

NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. NON-PURCHASE ENTRIES Rules AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.

Eligibility:

The CoinZoom Taylor Swift Tickets Sweepstakes Giveaway (the “Sweepstakes”) is open to anyone 18 years of age or older as of one day prior to the drawing. Void in Puerto Rico and where prohibited or otherwise restricted by law. Employees of CoinZoom Inc., and their respective subsidiaries, affiliates, agents, representatives, officers, directors, shareholders and employees (collectively, “Releasees”), and each of their immediate family members (spouse and parents, children and siblings, and their respective spouses, regardless of where they live) and individuals living in the same households of each of these individuals, whether related or not, of the above are not eligible to enter or win. The Sweepstakes is subject to all applicable federal, State and local laws. U.S. law governs this Sweepstakes. 

Sweepstakes Timing/Description:

Taylor Swift Tickets Sweepstakes Giveaway

The Taylor Swift Tickets Sweepstakes Giveaway will take place on November 18, 2022 until November 25 until Saturday, November 26th at 11:59 US Mountain Time. Unless canceled or changed by Notice via this web page Sweepstakes will continue year over year. Prizes will be awarded during and at the end of the Sweepstakes Period in a random drawing among all eligible entries received. Your actual odds of winning depend on the number of eligible Entries received. 

How to enter:

Instagram

Entering the Sweepstakes requires no purchase or obligation, but you will need the CoinZoom Application, an approved CoinZoom account, and a Social Media Account in order to enter. Social Media accounts are currently limited to Instagram. Entries will constitute either leaving a comment on CoinZoom’s Instagram page promoting this sweepstakes that includes Entrant’s ZoomMe handle. CoinZoom reserves the right to disqualify automated, inappropriate or offensive entries in its sole discretion. 

Determination of winners:

The winner will be selected at random in a Drawing on November 27, 2022. Winners selected from Instagram comments: https://miniwebtool.com/random-name-picker/

Odds:

Estimated odds of winning are estimated at 1 in 1,000,000, however, the actual odds of winning depend upon the total number of eligible entries received during the Promotion Period; and the actual odds of winning a Prize depend upon the total number of eligible entries received. 

Prizes:

One person will win two lower bowl tickets to the Taylor Swift concert on July 14, 2023, at the Empower Field at Mile High in Denver, funds for two flights ($750 equivalent) and a $100 eGift Card to the brand of their choosing on the CoinZoom platform. No substitution, cash equivalent, or transfer of prize permitted except at the sole discretion of the Sponsor, who reserves the right to substitute a prize (or portion thereof) with one of equal or greater value, except as otherwise provided herein. All taxes, and any other costs and expenses associated with prize acceptance and use not specifically stated within these Official Rules as being provided, are the sole responsibility of the winner, including, without limitation, all federal, state, and local taxes. If winner is at least 18 years of age but still considered a minor in his/her state or place of residence, prize may be awarded in the name of his/her parent or legal guardian, who will be responsible for fulfilling all requirements imposed on winner set forth herein. 

Conditions of Participation:

By entering, each entrant agrees to use a single email address (the email address used as the User Name on their CoinZoom Account), and to be bound by these Official Rules including all eligibility requirements and the decisions of the Sponsor and Judges, which are final and binding. By entering the Sweepstakes, each entrant consents to the use of his/her uploaded content, tweets, comments, likes, associated social media testimonials or endorsements, their name, image, likeness, photograph, voice, and biographical material for advertising, publicity, and promotional purposes by Sponsor, or party designated by the Sponsor, in any and all media now or hereafter devised, including but not limited to, any online announcements, worldwide in perpetuity, without additional compensation, notification, or permission, except where prohibited by law. Each entrant releases, indemnifies and holds harmless from any claims, actions, injury, loss, or damage of any kind, including but not limited to, any property damage, personal injury or death, resulting, directly or indirectly, in whole or in part, from participating in this Sweepstakes or any Sweepstakes-related activity or from the acceptance, possession, or use or misuse of a prize (including any travel/activity related thereto) or any claims based on publicity rights, defamation, invasion of privacy, breach of contract or merchandise delivery. Releasees shall not be liable for damages of any kind, including (without limitation) compensatory, direct, indirect, incidental, punitive or consequential damages; loss of data, income or profit; loss of damage to property; or any claims of third parties. Each entrant agrees that Releasees have not been made nor are in any manner responsible or liable for any warranty, representation, or guarantee, statutory, express or implied (including but not limited to, the implied warranties of merchantability, title, and fitness for a particular purpose), in fact or in law, relative to the Sweepstakes. 

General:

Sponsor will collect personal identity information from entrants solely for the purpose of the prize drawings and to notify winners. Sponsor will not share this information with any third party, except as necessary for the administration of the Sweepstakes or for promotional activities as described above. Releasees are not responsible for lost, late, illegible, misdirected, inaccurate, incomplete, undelivered, damaged, delayed, garbled, misdirected, or fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly; or for any other errors or problems of any kind, whether typographical, printing, mechanical, human, electronic, or otherwise, relating to or in connection with the Sweepstakes, including, without limitation, any error or problem that may occur in connection with the administration of the Sweepstakes, the processing of entries, the announcement of a prize, or in any Sweepstakes-related materials. Entry materials that have been tampered with, altered or inappropriately duplicative are void.Sponsor reserves the right, in its sole discretion, to cancel or suspend part or all of this Sweepstakes at any time without notice, if in Sponsor’s opinion there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Sweepstakes, or if virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness, or integrity and proper play of the Sweepstakes. In the event of cancellation, Sponsor may void any entries it suspects are at issue and, at its discretion, if terminated, award prizes in random drawings from among all nonsuspect, eligible entries received up to the date of cancellation. Caution: Any attempt by an entrant or any other individual to damage the web site or undermine the legitimate operation of the Sweepstakes may be in violation of criminal and civil laws and, should such an attempt be made, the Sponsor reserves the right to seek damages and other remedies (including attorneys’ fees) from any such person to the fullest extent permitted by law, including criminal prosecution. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. Sponsor reserves the right to disqualify entrants who violate these Official Rules or interfere with this Sweepstakes in any manner. 

Disputes:

Except where prohibited, all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Utah, without giving effect to any choice of law or conflict of law rules (whether of the State of Utah, or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Utah. Jurisdiction and venue shall be solely within the State of Utah. 

Arbitration:

Except where prohibited by law, as a condition of participating in this Sweepstakes, participant agrees that (1) any and all disputes and causes of action arising out of or connected with this Sweepstakes, or any prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration in Salt Lake City, Utah under the Utah Arbitration Act, Title 78B, Chapter 11 of the Utah Code. Upon notice of a timely civil claim, the parties will agree upon an arbitrator or, if unable to agree, will seek court appointment of an arbitrator pursuant to the Utah Arbitration Act, Utah Code Ann. § 78B-11-112; (2) the Utah Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will participant be permitted to obtain awards for, and participant hereby waives all rights to claim, punitive, incidental or consequential damages, or any other damages, including attorneys' fees, other than participant's actual out-of-pocket expenses (i.e., costs associated with participating in this Sweepstakes), and participant further waives all rights to have damages multiplied or increased. Participant agrees to submit to binding arbitration in the jurisdiction in which they reside if this provision is deemed prohibited for any reason. 

Winner:

For the name of the winner, mail a self-addressed, stamped envelope within 30 days after the drawing to: CoinZoom ZoomMe Sweepstakes / CoinZoom, Inc., 4640 S Holladay Village Plaza #206, Salt Lake City, UT 84117. 

Sponsor and Administrator:

The Sponsor of this Sweepstakes is CoinZoom, Inc., 4640 S Holladay Village Plaza #206, Salt Lake City, UT 84117. 

© Copyright 2022. All Rights Reserved.

NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. NON-
PURCHASE ENTRIES Rules AND PURCHASE ENTRIES HAVE AN EQUAL
CHANCE OF WINNING.

Eligibility:

The CoinZoom Utah Jazz Tickets Sweepstakes Giveaway (the “Sweepstakes”) is open to anyone 18 years of age or older as of one day prior to the drawing. Void in Puerto Rico and where prohibited or otherwise restricted by law. Employees of CoinZoom Inc., and their respective subsidiaries, affiliates, agents, representatives, officers, directors, shareholders and employees (collectively, “Releasees”), and each of their immediate family members (spouse and parents, children and siblings, and their respective spouses, regardless of where they live) and individuals living in the same households of each of these individuals, whether related or not, of the above are not eligible to enter or win. The Sweepstakes is subject to all applicable federal, State and local laws. U.S. law governs this Sweepstakes.

Sweepstakes Timing/Description:

Utah Jazz Tickets Sweepstakes Giveaway

The Utah Jazz Tickets Sweepstakes Giveaway will take place on December 20, 2022 until December 21 at Noon US Mountain Time. Unless canceled or changed by Notice via this web page Sweepstakes will continue year over year. Prizes will be awarded during and at the end of the Sweepstakes Period in a random drawing among all eligible entries received. Your actual odds of winning depend on the number of eligible Entries received.

How to enter:

Instagram

Entering the Sweepstakes requires no purchase or obligation, but you will need a Social Media Account in order to enter. Social Media accounts are currently limited to Instagram. Entries will constitute following CoinZoom on Instagram, liking the post and leaving a comment on CoinZoom’s Instagram page promoting the sweepstakes and sharing the post to your story. CoinZoom reserves the right to disqualify automated, inappropriate or offensive entries in its sole discretion.

Determination of winners:

The winners will be selected at random in a Drawing on December 21, 2022. Winners selected from Instagram comments: https://miniwebtool.com/random-
name-picker/

Odds:

Estimated odds of winning are estimated at 1 in 1,000,000, however, the actual odds of winning depend upon the total number of eligible entries received during the Promotion Period; and the actual odds of winning a Prize depend upon the total number of eligible entries received.

Prizes:

One person will win four courtside seats to the Jazz game at Vivint Smart Home Arena on December 22, 2022. The tickets include access to the Legacy Club and 2 parking passes. Five additional winners will win a $50 gift card to the brand of their choice within the CoinZoom app. No substitution, cash equivalent, or transfer of prize permitted except at the sole discretion of the Sponsor, who reserves the right to substitute a prize (or portion thereof) with one of equal or greater value, except as otherwise provided herein. All taxes, and any other costs and expenses associated with prize acceptance and use not specifically stated within these Official Rules as being provided, are the sole responsibility of the winner, including, without limitation, all federal, state, and local taxes. If winner is at least 18 years of age but still considered a minor in his/her state or place of residence, prize may be awarded in the name of his/her parent or legal guardian, who will be responsible for fulfilling all requirements imposed on winner set forth herein.

Conditions of Participation:

By entering, each entrant agrees to be bound by these Official Rules including all eligibility requirements and the decisions of the Sponsor and Judges, which are final and binding. By entering the Sweepstakes, each entrant consents to the use of his/her uploaded content, comments, likes, associated social media testimonials or endorsements, their name, image, likeness, photograph, voice, and biographical material for advertising, publicity, and promotional purposes by Sponsor, or party designated by the Sponsor, in any and all media now or hereafter devised, including but not limited to, any online announcements, worldwide in perpetuity, without additional compensation, notification, or permission, except where prohibited by law. Each entrant releases, indemnifies and holds harmless from any claims, actions, injury, loss, or damage of any kind, including but not limited to, any property damage, personal injury or death, resulting, directly or indirectly, in whole or in part, from participating in this Sweepstakes or any Sweepstakes-related activity or from the acceptance, possession, or use or misuse of a prize (including any travel/activity related thereto) or any claims based on publicity rights, defamation, invasion of privacy, breach of contract or merchandise delivery. Releasees shall not be liable for damages of any kind, including (without limitation) compensatory, direct, indirect, incidental, punitive or consequential damages; loss of data, income or profit; loss of damage to property; or any claims of third parties. Each entrant agrees that Releasees have not been made nor are in any manner responsible or liable for any warranty, representation, or guarantee, statutory,
express or implied (including but not limited to, the implied warranties of merchantability, title, and fitness for a particular purpose), in fact or in law, relative to the Sweepstakes.

General:

Sponsor will collect personal identity information from entrants solely for the purpose of the prize drawings and to notify winners. Sponsor will not share this information with any third party, except as necessary for the administration of the Sweepstakes or for promotional activities as described above. Releasees are not responsible for lost, late, illegible, misdirected, inaccurate, incomplete, undelivered, damaged, delayed, garbled, misdirected, or fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly; or for any other errors or problems of any kind, whether typographical, printing, mechanical, human, electronic, or otherwise, relating to or in connection with the Sweepstakes, including, without limitation, any error or problem that may occur in connection with the administration of the Sweepstakes, the processing of entries, the announcement of a prize, or in any Sweepstakes-related materials. Entry materials that have been tampered with, altered or inappropriately duplicative are void. Sponsor reserves the right, in its sole discretion, to cancel or suspend part or all of this Sweepstakes at any time without notice, if in Sponsor’s opinion there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Sweepstakes, or if virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness, or integrity and proper play of the Sweepstakes. In the event of cancellation, Sponsor may void any entries it suspects are at issue and, at its discretion, if terminated, award prizes in random drawings from among all Non suspect, eligible entries received up to the date of cancellation. Caution: Any attempt by an entrant or any other individual to damage the web site or undermine the legitimate operation of the Sweepstakes may be in violation of criminal and civil laws and, should such an attempt be made, the Sponsor reserves the right to seek damages and other remedies (including attorneys’ fees) from any such person to the fullest extent permitted by law,
including criminal prosecution. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. Sponsor reserves the right to disqualify entrants who violate these Official Rules or interfere with this Sweepstakes in any manner.

Disputes:

Except where prohibited, all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Utah, without giving effect to any choice of law or conflict of law rules (whether of the State of Utah, or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Utah. Jurisdiction and venue shall be solely within the State of Utah.

Arbitration:

Except where prohibited by law, as a condition of participating in this Sweepstakes,
participant agrees that (1) any and all disputes and causes of action arising out of or connected with this Sweepstakes, or any prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration in Salt Lake City, Utah under the Utah Arbitration Act, Title 78B, Chapter 11 of the Utah Code. Upon notice of a timely civil claim, the parties will agree upon an arbitrator or, if unable to agree, will seek court appointment of an arbitrator pursuant to the Utah Arbitration Act, Utah Code Ann. § 78B-11-112; (2) the Utah Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will participant be permitted to obtain awards for, and participant hereby waives all rights to claim, punitive, incidental or consequential damages, or any other damages, including
attorneys' fees, other than participant's actual out-of-pocket expenses (i.e., costs associated with participating in this Sweepstakes), and participant further waives all rights to have damages multiplied or increased. Participant agrees to submit to binding arbitration in the jurisdiction in which they reside if this provision is deemed prohibited for any reason.

Winner:

For the name of the winner, mail a self-addressed, stamped envelope within 30 days after the drawing to: CoinZoom ZoomMe Sweepstakes / CoinZoom, Inc., 4640 S Holladay Village Plaza #206, Salt Lake City, UT 84117.

Sponsor and Administrator:

The Sponsor of this Sweepstakes is CoinZoom, Inc., 4640 S Holladay Village Plaza #206, Salt Lake City, UT 84117.

© Copyright 2022. All Rights Reserved.