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Terms of Service

Effective Date: January 1, 2019

This Crumb Service Terms Agreement (“Agreement”) is a binding agreement between you (“End User” or “you”) and Crumbraise, Inc., a Delaware Corporation (“Company” or “we” or “us”). This Agreement governs your use of the Crumb Service, (including all related documentation, the “Service”). The Service is licensed, not sold, to you.
 
The Services provided through this Service help teams and organizations fundraise by rounding up Donors’ purchases to the next dollar. To use this service, you will be required to submit bank account information as provided below.
THE SERVICES PROVIDED THROUGH THE CRUMB SERVICE ARE PROVIDED THROUGH TRANSACTION FEES ASSESSED ON DONATED AMOUNTS.
 BY CHECKING THE CHECKBOX CONFIRMING THAT YOU HAVE READ THESE TERMS AND AGREE TO THEM, YOU (A) ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT; (B) REPRESENT THAT YOU ARE 18 YEARS OF AGE OR OLDER;  AND (C) ACCEPT THIS AGREEMENT AND THE BETA PROGRAM TERMS OF SERVICE, AND AGREE THAT YOU ARE LEGALLY BOUND BY ITS TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT INSTALL OR CONTINUE TO USE THE SERVICE;

1. License Grant.

Subject to the terms of this Agreement, Crumbraise, Inc. grants you a limited, non-exclusive and nontransferable license to:

(a) use the Service for your personal, non-commercial use strictly in accordance with the Service’s documentation; and

(b) access, stream, download and use the Content and Services made available in or otherwise accessible through the Service, strictly in accordance with this Agreement and the Terms of Use applicable to such Content and Services.

(c) You acknowledge that this Agreement is concluded between Crumbraise, Inc. and you only.

2. License Restrictions. Licensee shall not:

(a) copy the Service, except as expressly permitted by this license;

(b) modify, translate, adapt or otherwise create derivative works or improvements, whether or not patentable, of the Service;

(c) reverse engineer, disassemble, decompile, decode or otherwise attempt to derive or gain access to the source code of the Service or any part thereof;

(d) remove, delete, alter or obscure any trademarks or any copyright, trademark, patent or other intellectual property or proprietary rights notices from the Service, including any copy thereof;

(e) rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available the Service or any features or functionality of the Service, to any third party for any reason, including by making the Service available on a network where it is capable of being accessed by more than one device at any time; or

(f) remove, disable, circumvent or otherwise create or implement any workaround to any copy protection, rights management or security features in or protecting the Service.

3. Reservation of Rights. You acknowledge and agree that the Service is provided under license, and not sold, to you. You do not acquire any ownership interest in the Service under this Agreement, or any other rights thereto other than to use the Service in accordance with the license granted, and subject to all terms, conditions and restrictions, under this Agreement. Crumbraise, Inc. and its service providers reserve and shall retain their entire right, title and interest in and to the Service, including all copyrights, trademarks and other intellectual property rights therein or relating thereto, except as expressly granted to you in this Agreement.

4. Collection and Use of Your Information. You acknowledge that when you download, install or use the Service, Crumbraise, Inc. may use automatic means (including, for example, cookies and web beacons) to collect information about your Device(s) and about your use of the Service. You also will be required to provide certain information about yourself as a condition to downloading, installing or using the Service or certain of its features or functionality, and the Service will provide you with opportunities to share information about yourself with others. All information we collect through or in connection with this Service is subject to our Privacy Policy, available at https://crumbraise.com/privacy/. By using and providing information to or through this Service, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

5. Geographic Restrictions. The Content and Services are based in the state of Arizona in the United States and provided for access and use only by persons located in the United States. You acknowledge that you may not be able to access all or some of the Content and Services outside of the United States and that access thereto may not be legal by certain persons or in certain countries. If you access the Content and Services from outside the United States, you are responsible for compliance with local laws.

6. Maintenance and Updates

(a) Support. Crumbraise, Inc. may from time to time in its sole discretion develop and provide Service updates, which may include upgrades, bug fixes, patches and other error corrections and/or new features (collectively, including related documentation, “Updates”). Updates may also modify or delete in their entirety certain features and functionality. You agree that Crumbraise, Inc. has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality.

7. Third Party Materials. The Service may display, include or make available third-party content (including data, information, Services and other products services and/or materials) or provide links to third-party websites or services, including through third-party advertising (“Third Party Materials”). You acknowledge and agree that Crumbraise, Inc. is not responsible for Third Party Materials, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. Crumbraise, Inc. does not assume and will not have any liability or responsibility to you or any other person or entity for any Third Party Materials. Third Party Materials and links thereto are provided solely as a convenience to you and you access and use them at entirely at your own risk and subject to such third parties’ terms and conditions.

8. Term and Termination.

(a) The term of this Agreement commences when you acknowledge your acceptance and will continue in effect until terminated by you or Crumbraise, Inc. as set forth in this Section.

(b) You may terminate this Agreement by contacting Crumbraise, Inc. at support@crumbraise.com and working with our staff to cancel your account.

(c) Crumbraise, Inc. may terminate this Agreement at any time without notice if it ceases to support the Service, which Crumbraise, Inc. may do in its sole discretion. In addition, this Agreement will terminate immediately and automatically without any notice if you violate any of the terms and conditions of this Agreement.

(d) Upon termination:

(i) all rights granted to you under this Agreement will also terminate;

(ii) Crumb will cancel your account; and
(iii) you must cease all use of the Service and delete all copies of the Service from your Mobile Device and account.
(e) Termination will not limit any of Crumbraise, Inc.’s rights or remedies at law or in equity.

9. Disclaimer of Warranties. THE SERVICE IS PROVIDED TO LICENSEE “AS IS” AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, CRUMBRAISE, INC., ON ITS OWN BEHALF AND ON BEHALF OF ITS AFFILIATES AND ITS AND THEIR RESPECTIVE LICENSORS AND SERVICE PROVIDERS, EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, WITH RESPECT TO THE SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AND WARRANTIES THAT MAY ARISE OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OR TRADE PRACTICE. WITHOUT LIMITATION TO THE FOREGOING, CRUMBRAISE, INC. PROVIDES NO WARRANTY OR UNDERTAKING, AND MAKES NO REPRESENTATION OF ANY KIND THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED RESULTS, BE COMPATIBLE OR WORK WITH ANY OTHER SOFTWARE, SERVICES, SYSTEMS OR SERVICES, OPERATE WITHOUT INTERRUPTION, MEET ANY PERFORMANCE OR RELIABILITY STANDARDS OR BE ERROR FREE OR THAT ANY ERRORS OR DEFECTS CAN OR WILL BE CORRECTED.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR LIMITATIONS ON IMPLIED WARRANTIES OR THE LIMITATIONS ON THE APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO SOME OR ALL OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT SERVICELY TO YOU.

10. Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL CRUMBRAISE, INC. OR ITS AFFILIATES, OR ANY OF ITS OR THEIR RESPECTIVE LICENSORS OR SERVICE PROVIDERS, HAVE ANY LIABILITY ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE OR THE CONTENT AND SERVICES FOR:

(a) PERSONAL INJURY, PROPERTY DAMAGE, LOST PROFITS, COST OF SUBSTITUTE GOODS OR SERVICES, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COMPUTER FAILURE OR MALFUNCTION OR ANY OTHER CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL OR PUNITIVE DAMAGES

(b) DIRECT DAMAGES IN AMOUNTS THAT IN THE AGGREGATE EXCEED THE AMOUNT ACTUALLY PAID BY YOU FOR THE SERVICE.
IN PARTICULAR, CRUMBRAISE, INC. AND ITS AFFILIATES RELY ON YOUR INPUT OF CORRECT BANKING, LOAN SERVICE PROVIDER, AND OTHER FINANCIAL INFORMATION IN ORDER TO PROVIDE YOU WITH THE SERVICES AVAILABLE THROUGH THE SERVICE. IN NO EVENT WILL CRUMBRAISE, INC. OR ITS AFFILIATES BE LIABLE FOR ERRONEOUS TRANSFERS OF, OR A FAILURE TO CORRECTLY TRANSFER, FUNDS WHERE SUCH ERROR OR FAILURE IS ATTRIBUTABLE TO INCORRECT BANKING, LOAN SERVICER PROVIDER OR OTHER FINANCIAL INFORMATION.
THE FOREGOING LIMITATIONS WILL SERVICELY WHETHER SUCH DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR CRUMBRAISE, INC. WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY SO SOME OR ALL OF THE ABOVE LIMITATIONS OF LIABILITY MAY NOT SERVICELY TO YOU.

11. “Electronic Fund Transfers ("EFTs") and Account Balances. By creating an account with the Crumb Service and initiating bank deposits or withdraws (i.e. ETFs), you agree to the terms of service and privacy policy of our financial software provider, Stripe, and Stripe financial institution partner’s Terms of Service & Privacy Policy (https://Stripe.com/legal) (“Stripe TOS”) which are incorporated herein by reference. Terms not defined in this section shall be defined in Stripe TOS.
 The following disclosures are made in accordance with the federal law regarding electronic
payments, deposits, transfers of funds and other electronic transfers to and from your
account(s). There may be limitations on account activity that restrict your ability to make
electronic fund transfers. Any such limits are disclosed in the appropriate agreements
governing your account.

1. Definitions: Electronic Fund Transfer: Any transfer of funds, other than a transaction
originated by check, draft or similar paper instrument, that is initiated through an electronic
 device or computer to instruct us to debit or credit an account. Electronic Fund Transfers
include such electronic transactions as direct deposits or withdrawals of funds, transfers
initiated via telephone, website or mobile Service. Preauthorized Electronic Fund
Transfer: An Electronic Fund Transfer that you have authorized in advance to recur at
substantially regular intervals; for example, direct deposits into or withdrawal of funds out of
your account.

2. Your Liability: Authorized Transfers: You are liable for all Electronic Fund Transfers that
you authorize, whether directly or indirectly. Unauthorized Transfers: Tell us at once if you 
believe your account or PIN or Access Information (as defined below) is lost or stolen or has 
been or may be subject to unauthorized Electronic Fund Transfers. Support message us
immediately to keep your possible losses to a minimum. You could lose all the money in
 your account(s). If you tell us within two (2) business days after learning of the loss or theft
of your account access device, or after learning of any other unauthorized transfers from
your account involving your account access device, you can lose no more than $50 if 
Electronic Fund Transfers are made without your permission. For these transactions, if you
 DO NOT tell us within two (2) business days after learning of the loss, theft or unauthorized
use, and we can establish that we could have prevented the unauthorized transfer(s) if you
had told us in time, you could lose as much as $500. Also, if your periodic account
 statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after
the statement was delivered to you, you may not get back any money you lose after the 
sixty (60) day period if we can prove that we could have prevented the unauthorized
transfer(s) if you had told us in time. If an extenuating circumstance (such as extended
travel or hospitalization) prevents you from promptly notifying us of a suspected lost or
stolen access device or of any other suspected unauthorized transfer(s), the time periods
specified in this Section B may be extended for a reasonable period.

A. Errors or Questions about Transactions. Please contact us by emailing us at support@crumbraise.com

(1) if you believe a transaction receipt or a statement is wrong, or

(2) if you need more information about a transaction on the receipt or statement. For consumer accounts, we must hear from you no later than sixty (60) days after we sent you the first statement on which the error or problem Serviceeared. For business accounts, we must hear from you within one (1) business day of us sending you a receipt. Your inquiry must include: (x) your name, email associated with your account, and your account number (if available); (y) a description of the error or the transaction you are unsure about, and a clear explanation of why you believe there is an error or why you need more information; and (z) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your inquiry via email within ten (10) business days.

B. Time Periods

1. Ten-Day Time Period - Crumb will investigate promptly and, except as otherwise provided in this paragraph, shall determine whether an error occurred within 10 business days of receiving a notice of error. Crumb shall report the results to the consumer in writing within three business days after completing its investigation. Crumb shall correct the error within one business day after determining that an error occurred.

2. Forty Five-Day Time Period - If Crumb is unable to complete its investigation within 10 business days, Crumb may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided Crumb does the following:
a) Provisionally credits the consumer's account in the amount of the alleged error (including interest where Applicable) within 10 business days of receiving the error notice. Crumb need not provisionally credit the consumer's account if:

(1) Crumb does not receive written confirmation within 10 business days of an oral notice of error; or

(2) The alleged error involves an account that is subject to Regulation T (Securities Credit by Brokers and Dealers, 12 CFR part 220)
b) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation;
c) Corrects the error, if any, within one business day after determining that an error occurred; and
d) Reports the results to the consumer within three business days after completing its investigation (including, if Applicable, notice that a provisional credit has been made final).

3. Extension of time periods. The time periods described above may be extended as follows:

a) Extension of Ten-Day Time Period - The time limit for resolution is extended to 20 business days in place of 10 business days if the notice of error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made; or

b) Extension of Forty Five-Day Time Period - The time limit for resolution is extended to 90 days in place of 45 days for completing an investigation, if a notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to the account was made.
 
We have partnered with Stripe, a financial services software company, to offer you Crumb's services to help you receive donations from Donors and Supporters. When you sign up for an account with the Crumb Service, you will also be prompted to sign up for a Stripe Connect Account (as defined in Stripe TOS). You authorize us to share your identity and banking information with Stripe to open and support your User Account as further details in our Privacy Policy, available within the Crumb Service or at https://crumbraise.com/privacy and Stripe’s Privacy Policy. It is your responsibility to make sure the data you provide us is accurate and complete. Additionally, you are responsible for complying with Stripe TOS when using your User Account. It Is your responsibility to read and understand Stripe TOS as it contains terms and conditions relating to your Stripe Connect account including but not limited to Your Rights, Limitations, reversal and other Liabilities, Limitation Of Liability And binding Arbitrations Provisions.
 
When you open a Stripe Connect Account, you will link a checking or savings account to perform ETF and, if applicable, deposit funds into your Stripe Connect Account. Deposits into your User Account are held by Stripe's financial institution partners as detailed in Stripe TOS. DEPOSITS HELD IN A USER ACCOUNT MAY BE ELIGIBLE INSURANCE BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (“FDIC”) ON A PER USER BASIS DEPENDING ON THE RULES AND LIMITATIONS SET FORTH BY THE FDIC. FOR PURPOSES OF APPLICABLE FDIC DEPOSIT INSURANCE LIMITATIONS, DEPOSITS IN ACCOUNTS AT THE FINANCIAL INSTITUTIONAL PARTNER(S) OPENED THROUGH THE FINANCIAL INSTITUTIONAL PARTNER(S) WITH Stripe MAY NOT BE SEPARATELY INSURED FROM ANY OTHER ACCOUNTS YOU MAY HAVE OPENED WITH THE FINANCIAL INSTITUTIONAL PARTNER(S), DEPENDING ON THE NAMED ACCOUNT OWNERS.
 
I authorize Crumbraise, Inc. to debit the account indicated for transactions according to the online form and my agreement with Crumbraise, Inc. I will not dispute Crumbraise, Inc. so long as the transactions correspond to such terms. This payment authorization is valid and will remain effective unless I cancel this authorization by emailing Crumbraise, Inc. at support@crumbraise.com at least 3 business days in advance.
 
All EFT transactions are performed by and deposits are held by Stripe financial institution partner. Crumbraise, Inc. and Stripe only transmit transaction instructions to Stripe’s financial institution partner and do not hold deposits in your Stripe Connect Account. Crumbraise, Inc. will provide you with all transactions notifications and User Account balances in addition to providing customer support relating to your Stripe Connect Account as detailed below.

12. Transactions History and Disputes. All questions regarding ETF transactions or your Stripe Connect User Account must be directed to support@crumbraise.com within (60) days and not to Stripe or its financial institution partners. Crumbraise, Inc. is responsible for resolving issuers and errors relating to transactions and account balances. If you wish to make a financial service complaint against Crumbraise, Inc., you may email help@Stripe.com.

13. Terms of Plaid Services. The Crumb Service uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Crumbraise, Inc. and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.

14. Identifying Information. We may at any time require you to provide additional information in order to verify your identity. This information may include your full name, address, telephone number, date of birth, or such other information or documentation as we may deem necessary. Such information may be required, for instance, in order to meet our legal obligations or the requirements of our financial service partners and their financial institution partners.

15. Indemnification. You agree to indemnify, defend and hold harmless Crumbraise, Inc. and its officers, directors, employees, agents, affiliates, successors and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including attorneys’ fees, arising from or relating to your use or misuse of the Service or your breach of this Agreement. Furthermore, you agree that Crumbraise, Inc. assumes no responsibility for the content you submit or make available through this Service.

16. Export Regulation. The Service may be subject to US export control laws, including the US Export Administration Act and its associated regulations. You shall not, directly or indirectly, export, re-export or release the Service to, or make the Service accessible from, any jurisdiction or country to which export, re-export or release is prohibited by law, rule or regulation. You shall comply with all Applicable federal laws, regulations and rules, and complete all required undertakings (including obtaining any necessary export license or other governmental Serviceroval), prior to exporting, re-exporting, releasing or otherwise making the Service available outside the US.

17. Notice.

Crumbraise, Inc. may provide you with notices, including those regarding changes to this Agreement, using any reasonable means, which may include email, SMS, MMS, text message or postings in the Service. Such notices may not be received if you violate this Agreement by accessing the Service in an unauthorized manner. You agree that you are deemed to have received any and all notices that would have been delivered had you accessed the Service in an authorized manner.
 


18. Developer Contact Information. End User may direct questions, complaints or claims with respect to the Service to Crumbraise, Inc. at:

Crumbraise, Inc.

4250 N. Drinkwater Blvd

Suite 320

Scottsdale, AZ 85251

support@crumbraise.com

19. Severability. If any provision of this Agreement is illegal or unenforceable under Applicable law, the remainder of the provision will be amended to achieve as closely as possible the effect of the original term and all other provisions of this Agreement will continue in full force and effect.

20. Arbitration and Governing Law. Except for where prohibited by Applicable law:
(a) The exclusive means of resolving any dispute or claim arising out of or relating to this Agreement (including any alleged breach thereof) or the Service shall be BINDING ARBITRATION administered by the American Arbitration Association. The one exception to the exclusivity of arbitration is that you have the right to bring an individual claim against Crumbraise, Inc. in a small-claims court of competent jurisdiction. But whether you choose arbitration or small-claims court, you may not under any circumstances commence or maintain against Crumbraise, Inc. any class action, class arbitration, or other representative action or proceeding.
(b) By using the Service in any manner, you agree to the above arbitration agreement. In doing so, YOU GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend any claims between you and Crumbraise, Inc. (except for matters that may be taken to small-claims court). YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR OTHER CLASS PROCEEDING. Your rights will be determined by a NEUTRAL ARBITRATOR, NOT A JUDGE OR JURY. You are entitled to a fair hearing before the arbitrator. The arbitrator can grant any relief that a court can, but you should note that arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons. For details on the arbitration process, see our Arbitration Procedures.
(c) Any proceeding to enforce this arbitration agreement, including any proceeding to confirm, modify, or vacate an arbitration award, may be commenced in any court of competent jurisdiction. In the event that this arbitration agreement is for any reason held to be unenforceable, any litigation against Crumbraise, Inc. (except for small-claims court actions) may be commenced only in the federal or state courts located in Maricopa County, Arizona. You hereby irrevocably consent to the jurisdiction of those courts for such purposes.
(d) This Agreement, and any dispute between you and Crumbraise, Inc., shall be governed by the laws of the state of Arizona without regard to principles of conflicts of law, provided that this arbitration agreement shall be governed by the Federal Arbitration Act.
(e) For users residing in the European Union, Norway or elsewhere where this arbitration agreement is prohibited by law, the laws of Arizona, U.S.A., excluding Arizona’s conflict of laws rules, will apply to any disputes arising out of or relating to this Agreement or the Service. All claims arising out of or relating to this Agreement or the Services will be litigated exclusively in the federal or state courts of Maricopa County, Arizona, USA, and you and Crumbraise, Inc. consent to personal jurisdiction in those courts.

21. Limitation of Time to File Claims. ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

22. Entire Agreement. This Agreement and our Privacy Policy constitute the entire agreement between you and Crumbraise, Inc. with respect to the Service and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Service.

23. Changes to the Agreement and Services. Crumb reserves the right to make changes to this Agreement and the Services provided through the Service from time to time. If we make material changes to the Agreement, we will notify you either by sending you a notification by email, or by a notice displayed within the Service. Continued use of the Service following such notice will constitute your acceptance of the changes. If you do not wish to continue using the Service following such changes to the Agreement or the Services, you may cancel your subscription.

24. User Suggestions. From time to time, to provide the best service and user experience, Crumbraise, Inc. may modify the Services provided through the Service based on your suggestions. By providing us with any such suggestions, you waive any moral rights you might have with respect to any such suggestions you provide to us. You also grant us the right to use any material, information, ideas, concepts, know-how or techniques contained in any communication you provide or otherwise submit to us for any purpose whatsoever, including but not limited to, commercial purposes, and developing, manufacturing and marketing commercial products using such information. All rights in this paragraph are granted without the need for additional compensation of any sort to you.

25. Survival. Any provision of this Agreement which contemplates performance or observance subsequent to any termination or expiration of this Agreement shall survive any termination or expiration of this Agreement and continue in full force and effect. Such provisions include but are not limited to sections governing refunds and unclaimed property.

26. Waiver. No failure to exercise, and no delay in exercising, on the part of either party, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder. In the event of a conflict between this Agreement and any Applicable purchase or other terms, the terms of this Agreement shall govern.

27. Business Day. "Business Day" means a day other than a Saturday, Sunday or other day on which commercial banks in Tempe, Arizona are authorized or required by Law to be closed for business.

28. Non-transferable account. You agree that your Service account is non-transferable and all of your rights to your profile or contents within your Service account terminate upon your death. No agency, partnership, joint venture or employment is created as a result of this Agreement and you may not make any representations or bind Crumbraise, Inc. in any manner.

© 2019 Crumbraise, Inc. All Rights Reserved.