terms of use.

We may amend these Terms at any time by posting the amended Terms on the Platform and updating the "Last updated" date above. Any changes are effective immediately upon posting. Your continued access to or use of the Platform or the Services after the amended Terms are posted constitutes your acceptance of the amended Terms. If you do not agree to the amended Terms, you must stop using the Platform and the Services.

By accessing or using the Platform or the Services, or by clicking "I Agree" or a similar button where presented, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Platform or the Services.

The Services provide a digital marketplace for users interested in collecting gold and silver chains, watches, and other real-world assets (each, an "Asset"). The Platform includes an integrated Digital Wallet.

Users pull Assets by purchasing and opening a box (each, a "Box"). The Asset you pull is revealed to you digitally, and the odds of pulling each Asset are made available on the Platform.

The purchase of a Box is a FINAL SALE. All sales are final, and there are no returns or refunds. A Box may be terminated or removed from the Platform at any time. When you purchase a Box, you purchase the experience of opening that Box, and you have no right, title, or interest in any particular Asset unless and until you are in full possession of that Asset.

After you open a Box, we may, in our sole discretion, send you an offer to repurchase the Asset you pulled (a "Buyback Offer") at a price that we determine in our sole discretion (the "Buyback Price"). The Buyback Price is not subject to negotiation, and we do not disclose the method by which it is calculated.

Following a Buyback Offer, you may elect either to have the Asset shipped to you or to sell the Asset back to us at the Buyback Price. If you fail to arrange shipment of the Asset within the period specified for the Buyback Offer (the "Buyback Period"), the Asset will automatically be sold back to us at the Buyback Price. Each election, whether made by you or resulting from your failure to act within the Buyback Period, is final and irrevocable.

6.1 Age and Capacity. To access or use the Platform and the Services, you must be at least 18 years of age (or the age of legal majority in your jurisdiction, if higher), capable of forming a binding contract, and not barred from doing so under any applicable law.

6.2 Sanctions and Compliance. You represent and warrant that you are in compliance with all applicable sanctions, export control, and anti-money laundering laws; that you are not located in, and are not a resident or national of, Cuba, Iran, North Korea, Sudan, the Donetsk or Luhansk regions, Crimea, or any other embargoed or restricted jurisdiction; and that you are not identified on any sanctions or restricted-party list, including the OFAC lists, the UN sanctions lists, the HM Treasury lists, the Denied Persons List, or the Entity List.

7.1 Registration. When you register for an account, you agree to provide true, accurate, current, and complete information, and to register only for yourself.

7.2 Security.You are responsible for maintaining the confidentiality of your access credentials (your "Access Credentials") and for all activity that occurs under your account.

7.3 Ownership. You have no ownership or other property interest in your account, which is owned and controlled by us.

7.4 One Account. You may maintain only one account unless we expressly authorize otherwise.

8.1 Third Party Services. The Services rely on third-party service providers, including our third-party payment provider, to process payments and provide certain functionality.

8.2 Third Party Accounts.You may be required to register for or connect a third-party account in order to use certain features, and your use of those accounts is governed by the applicable third party's terms.

8.3 Third Party Data. We may use third-party pricing tools and data to generate Buyback estimates and other information. We do not guarantee the accuracy, completeness, or reliability of any such third-party data.

8.4 Relationship. You are responsible for any costs associated with your use of third-party services. Our use of a third-party service does not constitute an endorsement of that third party.

9.1 License. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to download and use the App on a device that you own or control, solely for your personal, non-commercial use.

9.2 Software Updates. We may from time to time provide updates to the App, which may be automatically installed. You agree to receive such updates as part of your use of the App.

You agree not to engage in any of the following prohibited activities in connection with the Platform or the Services:

• Unlawful conduct, or any activity that violates applicable law or regulation.
• Abusive conduct, including harassing, threatening, or abusing others.
• Fraud, including any deceptive, misleading, or fraudulent activity.
• Harmful conduct, including distributing viruses or malicious code or interfering with the operation of the Platform.
• Intellectual Property Infringement, including infringing or misappropriating the intellectual property rights of others.
• Commercial Activities that are not expressly authorized by us.

By using the Platform and the Services, you represent and warrant that: you will not engage in any prohibited activity; you will comply with all applicable laws and regulations; you are making an informed decision to use the Services and to purchase Boxes; and you accept full responsibility for your use of the Platform and the Services and for all of your transactions.

12.1 All Sales Final. All purchases are final, non-reversible, and non-refundable, except as otherwise required by applicable law.

12.2 Purchase Terms. When you purchase a Box or other product through the Services, you agree to the purchase terms presented to you at the time of purchase.

12.3 Payment. You may pay using the methods made available on the Platform, which may include cards, wire transfers, and other supported methods, in each case processed by our third-party payment provider.

12.4 Prices, Taxes, and Fees. You are responsible for all applicable taxes, shipping, handling, and other fees associated with your purchases. Prices are subject to change.

12.5 Shipping. Where an Asset is shipped to you, risk of loss and title for the Asset pass to you upon our delivery of the Asset to the carrier.

12.6 Unclaimed Property. Assets or funds that remain unclaimed may be subject to applicable unclaimed property and escheat laws.

12.7 Disclaimers. We reserve the right to decline, limit, or cancel any order at any time for any reason, including where we suspect fraud or a violation of these Terms.

12.8 Access Termination. We may suspend or terminate your access to the Platform and the Services at any time in connection with your purchases or your conduct.

13.1 Reward Activities. We may offer promotional and reward activities, such as referral programs and points, from time to time.

13.2 Reward Rates. Any reward rates or values we display are estimates only and may fluctuate.

13.3 Additional Reward Terms. Promotional and reward activities may involve risk and may be subject to additional terms. We reserve the right to change or cancel any promotional or reward activity at any time.

14.1 Additional Features. The Services may include additional features, such as a Digital Wallet and collection tools, which may be subject to additional terms.

14.2 Product Images. Images of Assets and other products are for illustrative purposes and may not exactly reflect the actual item.

14.3 Platform Management. We reserve the right to manage, monitor, and modify the Platform, including to protect the integrity and proper operation of the Services.

15.1 Service Stoppage. We may modify, suspend, or discontinue the Platform or the Services, in whole or in part, at any time and without notice.

15.2 Disclaimer. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Platform or the Services.

15.3 Effect of Termination. Upon any termination of your access, your right to use the Platform and the Services will immediately cease. Provisions that by their nature should survive termination will survive.

16.1 IP Rights.The Platform and the Services, and all content, software, and materials made available through them (collectively, the "Hood.Rich Materials"), are owned by us or our licensors and are protected by intellectual property laws.

16.2 Limitations on Use. You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from the Hood.Rich Materials, except as expressly permitted by these Terms.

16.3 Rights We Grant You. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Hood.Rich Materials solely for your personal, non-commercial use of the Services.

16.4 Reservation of Rights. All rights not expressly granted to you are reserved by us and our licensors.

16.5 Trademarks."Hood.Rich," "hood.rich," and our logos and other brand features are trademarks of ours. You may not use them without our prior written permission.

17.1 Platform Content. We do not guarantee the accuracy, completeness, or usefulness of any content made available through the Platform, and you rely on such content at your own risk.

17.2 Feedback. Any feedback, suggestions, or ideas you provide to us are non-confidential, and you assign to us all rights in such feedback so that we may use it without restriction or compensation to you.

17.3 Relationship. We are not your broker, agent, or advisor, and we have no fiduciary duty to you. Nothing on the Platform or in the Services constitutes investment, tax, or legal advice.

You agree to indemnify, defend, and hold harmless us and our affiliates, and our and their respective officers, directors, employees, agents, and licensors (the "Indemnified Parties"), from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Platform or the Services, your violation of these Terms, or your violation of any rights of any third party.

19.1 Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE INDEMNIFIED PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS, THE PLATFORM, OR THE SERVICES WILL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO US IN THE 180 DAYS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

19.2 Disclaimer of Warranties.THE PLATFORM AND THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

19.3 Exceptions. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of certain liabilities, so some of the above limitations may not apply to you.

19.4 No Liability for Conduct of Third Parties. We are not responsible or liable for the acts or omissions of any third parties, including other users, service providers, or third parties whose services are made available through the Platform.

20.1 Waiver of Class Actions and Right to Jury Trial. TO THE EXTENT PERMITTED BY LAW, YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, AND YOU AND WE EACH WAIVE ANY RIGHT TO A TRIAL BY JURY.

20.2 Informal Resolution. Before initiating arbitration, you agree to first try to resolve the dispute informally by contacting us at dev@hood.rich. The parties will attempt to resolve the dispute informally for at least 60 days before either party may commence arbitration.

20.3 Arbitration Agreement.If the dispute is not resolved informally, you and we agree that any dispute arising out of or relating to these Terms, the Platform, or the Services will be resolved through binding and final arbitration, rather than in court, in accordance with the Federal Arbitration Act (the "FAA").

20.4 Conducting Arbitration.The arbitration will be administered under the Rules of Arbitration of the International Chamber of Commerce (the "ICC Rules"). The arbitration will be conducted in the English language and will take place in New York, New York.

20.5 Confidentiality. The parties agree to keep the arbitration proceedings, and all information exchanged in connection with them, confidential, except as necessary to enforce the outcome or as required by law.

20.6 Time for Filing. Any claim arising out of or relating to these Terms, the Platform, or the Services must be filed within one year after the claim arose; otherwise, the claim is permanently barred.

20.7 Severability. If any part of this Section 20 is found to be unenforceable, that part will be severed, and the remainder of this Section 20 will continue to apply.

20.8 Modification. If we make any future material change to this arbitration agreement, you may reject the change by notifying us as described in these Terms.

20.9 Governing Law. These Terms, and any dispute arising out of or relating to them, are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws principles, except that the FAA governs the interpretation and enforcement of the arbitration agreement.

21.1 Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign or transfer these Terms without restriction.

21.2 Term and Survival. These Terms remain in effect while you use the Platform or the Services. Provisions that by their nature should survive termination will survive.

21.3 Nonwaiver. Our failure to enforce any provision of these Terms will not be deemed a waiver of that provision or of our right to enforce it.

21.4 Severability. If any provision of these Terms is found to be unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

21.5 Headings. Headings are for convenience only and do not affect the interpretation of these Terms.

21.6 Force Majeure. We will not be liable for any delay or failure to perform resulting from causes beyond our reasonable control.

21.7 Notices. We may provide notices to you by posting on the Platform or by emailing the address associated with your account. You may send notices to us using the contact details set out in Section 22.

21.8 Third Party Beneficiaries. Except for the Indemnified Parties, these Terms do not create any third-party beneficiary rights.

21.9 Entire Agreement. These Terms constitute the entire agreement between you and us regarding the Platform and the Services and supersede any prior agreements.

21.10 Translation. If these Terms are translated into any other language, the English version will prevail in the event of any conflict.

If you have any questions about these Terms, you can contact us by email at dev@hood.rich. For general support or other questions, you can reach us at dev@hood.rich.