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B Generous Terms of Service

LAST UPDATED JUNE 21, 2020

Thank you for using the services offered by U-Pledge, Inc. d/b/a B Generous (together with its subsidiaries and other affiliates, “B Generous”, “we”, “us”, and “our”). These Terms of Service (the “Agreement”) apply to all services provided by B Generous on our website, or through any related software, mobile applications and other applications (collectively, the “B Generous Services” ). The use of any B Generous Services is conditioned on the acceptance of, and compliance with, the terms of this Agreement by you, the person agreeing to this Agreement (“you” and “your”).

PLEASE REVIEW THIS AGREEMENT CAREFULLY. BY ACCEPTING THIS AGREEMENT, YOU AGREE TO THESE TERMS AND CONDITIONS WITH B GENEROUS.

THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE, WHICH REQUIRES, AMONG OTHER THINGS, THAT DISPUTES RELATING TO THIS AGREEMENT OR THE B GENEROUS SERVICES MUST BE RESOLVED BY BINDING ARBITRATION AND ON AN INDIVIDUAL BASIS ONLY.

1. B Generous Services

  1. Provision of B Generous Services; Current Services. B Generous makes the B Generous Services available pursuant to this Agreement, and any additional agreements and policies that may apply to any B Generous Service and are presented to you for review and acceptance at the time you apply for the applicable B Generous Service (collectively, “Supplemental Terms”). In the event of conflict between the provisions of this Agreement and any Supplemental Terms, the Supplemental Terms will control. As of the Effective Date, the B Generous Services shall consist of certain consumer loan products offered to individuals. When you apply for a consumer loan, or any other financial product or service we may offer in the future, those products are issued by third party financial institutions (each, an “Issuing Bank”), for whom we are an outsourced service provider.  If you obtain a loan, or other financial product or service, from an Issuing Bank, you will establish a separate legal relationship with that Issuing Bank.  As of the date of these terms, the Issuing Banks consist of [Drake Bank].
  2. Additional Services. B Generous may make certain additional services available through its platform, as may be developed from time to time. To the extent the receipt of any such additional service requires your agreement to this Agreement, then such additional service shall constitute a B Generous Service for purposes of this Agreement.
  3. No Professional Advice. You acknowledge that B Generous is not a lawyer, accountant, or other professional services provider, and accordingly, does not provide legal, financial, benefits, tax, IT, compliance, or other professional advice. Any information provided by the B Generous Services is intended for your general use only, and does not constitute legal or professional advice. You understand that you are responsible for any actions taken based upon information received from B Generous, and where professional advice is needed, that you should seek independent professional advice from a person who is licensed or qualified in the applicable area.
  4. User Limitations. The B Generous Services may only be accessed and used by individuals who are at least 18 years of age (or such later age of majority in any applicable jurisdiction) and are not otherwise barred from using the B Generous Services under applicable law.
  5. Mobile Services. The B Generous Services may be available via a mobile device, including (i) the ability to upload content to the B Generous Services, (ii) the ability to browse the B Generous Services and other websites, and (iii) the ability to access certain features (collectively, the “Mobile Services”). To the extent you access the B Generous Services through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply. In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices.

2. Your Responsibilities

2.1 Accuracy of Information. All B Generous Services will be based upon information provided to B Generous by you, or third party services from which you may elect to import your information. You represent and warrant that all information that you provide in connection with the B Generous Services (“User Data”) is accurate, complete, and timely. You acknowledge that B Generous is entitled to rely conclusively on all User Data and that B Generous does not have any obligation to verify, correct, or otherwise ensure the accuracy or quality of the User Data. You further acknowledge that B Generous bears no responsibility for and shall not have any liability for errors, omissions, penalties, fines, missed payments, judgments, incorrect coverage, or any other losses incurred that result from inaccurate, incomplete, or untimely User Data.

2.2 With respect to any User Data that you provide through the B Generous Services and that B Generous hosts, including Account Information (as defined herein), you represent and warrant that you have the necessary rights, licenses, consents, permissions, waivers and releases to use, make available and distribute the User Data in connection with your use of the B Generous Services. Without limiting the foregoing, in the event that you request that B Generous provide any User Data to any third party, you represent that you have acquired any consents or provided any notices required to transfer such content or information and that such transfer does not violate any applicable laws. By providing any User Data to B Generous, you hereby grant and will grant B Generous and its affiliated companies a nonexclusive, worldwide, royalty free, fully paid up, transferable, sublicensable, perpetual, irrevocable license to copy, display, upload, perform, distribute, store, modify and otherwise use your User Data to perform the B Generous Services, including as set forth in this Agreement, subject to B Generous’ Privacy Policy. You acknowledge and agree that B Generous may preserve User Data and may also disclose User Data if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (i) comply with legal process, applicable laws or government requests; (ii) enforce this Agreement; (iii) respond to claims that any content violates the rights of third parties; or (iv) protect the rights, property, or personal safety of B Generous, its users and the public. You understand that the technical processing and transmission of the B Generous Services, including User Data, may involve (1) transmissions over various networks; and (2) changes to conform and adapt to technical requirements of connecting networks or devices.

2.3 Account Administration

a. Accounts. To use certain B Generous Services, you may be required to create an account (an “Account”) by providing your email address (“Account Email”) and a password (the “Password” and, together with the Account Email, the “Credentials”). You are responsible for the security of your Account, and agree to keep your Credentials secure. You understand that your Account is solely for your use, and you will not share your Account or Credentials with anyone. You are fully responsible for all activities on the B Generous Services associated with your Account.

b. Account Security. You are solely responsible for following instructions that B Generous provides to you with respect to the B Generous Services. You will adequately secure and keep confidential any of your Passwords or Credentials, and any information accessible via your Account. If you believe or suspect that your Account, Passwords or Credentials have been accessed by or compromised, you must immediately notify B Generous. B Generous reserves the right to prevent access to the B Generous Services if B Generous has reason to believe that any such Accounts, Passwords or Credentials have been compromised.

c. Communications and Notifications. You are responsible for reviewing any reports, filings, information, documents or materials (collectively, the “Materials”) made available to you by B Generous for your review, and you must notify B Generous of any inaccuracies in the Materials as soon as possible, or within the time period specified in communications received from B Generous. You must promptly notify B Generous of any third party notices that you may receive which could affect B Generous’ ability to effectively provide the B Generous Services.

2.4 Prohibited Activities. Any authorization to access or use the B Generous Services extends only to the B Generous Services for which you have subscribed and remains in good standing, and for which your conduct is in conformance with these terms and any applicable Additional Terms. You will not (nor will you permit any third party to):

  • reverse engineer, decompile, disassemble or otherwise create, attempt to create or derive the source code underlying the B Generous Services;
  • transfer, resell, lease, license, or assign B Generous Services or otherwise offer the B Generous Services on a standalone basis, or permit any third party to access the B Generous Services, without express permission from B Generous;
  • use or access the B Generous Services to build a similar or competitive product or service or for the purpose of obtaining unauthorized access to the B Generous Services;
  • share your B Generous Credentials with any other person, or allow any other person to use your B Generous Credentials to access the B Generous Services;
  • develop, support or use software, devices, scripts, robots or any other means or processes (including crawlers, browser plugins and add-ons or any other technology) to scrape the B Generous Services or otherwise copy profiles and other data from the B Generous Services in order to enable, use, or build a similar or competitive product or service;
  • tamper with the security of B Generous’ systems or tamper with other customer accounts of B Generous;
  • attempt to probe, scan or test the vulnerability of any B Generous systems or to breach the security or authentication measures of B Generous’ systems;
  • use the B Generous Services to send payments directly or indirectly to, or for the benefit of, any person or entity that is (a) located in any country or jurisdiction that is subject to U.S. economic sanctions; (b) identified on any U.S. government list of prohibition, including the Specially Designated Nationals and Consolidated Sanctions List of the Office of Foreign Assets Control, U.S. Department of the Treasury; or (c) owned or controlled by any person or entity in (a) or (b);
  • use or launch any automated system, including “robots,” “spiders,” or “offline readers,” that sends more requests to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional browser;
  • use the B Generous Services in any manner that damages, disables, overburdens, or impairs any of our websites, servers, or otherwise interferes with any other party’s use of the B Generous Services;
  • access the B Generous Services other than through our interface;
    engage in harassing or other inappropriate behavior with respect to any B Generous employee;
  • use the B Generous Services for any fraudulent activity or purpose; or
  • use the B Generous Services in violation of any applicable law, for illegal activities, or for activities outside the scope expressly permitted hereunder.

2.5 Compliance with Laws. You will be solely responsible for compliance with any and all applicable laws, rules and regulations affecting you, and any use you may make of the B Generous Services. B Generous may in its sole discretion limit access to the B Generous Service and/or terminate any users who infringe any intellectual property rights of others.

3. Term and Termination

3.1 Term. The term of this Agreement will commence on the date you execute or otherwise agree to this Agreement and will continue until terminated as provided in this Agreement (the “Term”). B Generous may change the B Generous Services, stop providing the B Generous Services or features of it or create usage limits for the B Generous Services for all of our users generally; provided that we will notify you of any material change at least thirty (30) days prior to the implementation of the change unless the changes are being made for legal reasons, in which case we will notify you within a reasonable time period.

3.2 Termination. B Generous may permanently terminate your access to the B Generous Services and this Agreement without liability to you on thirty (30) days’ prior notice for any actual or suspected violation of any provision of this Agreement. Otherwise, this Agreement shall terminate automatically if B Generous is no longer providing any B Generous Services to you. Upon termination of this Agreement, you will remain obligated to pay any outstanding amounts to B Generous or to any third party, pursuant to the terms of any other agreement that you execute in connection with the B Generous Services, and B Generous and you will continue to be bound by any terms of this Agreement that by their nature extend beyond termination.

3.3 Suspension. Without limiting our other rights or remedies, B Generous may temporarily suspend your access to any portion of the B Generous Services, without prior notice, if B Generous reasonably determines that (i) there is a threat or attack on the B Generous Services or other event that may create a risk to the B Generous Services, you or any other customer or user of B Generous; (ii) your use of the B Generous Services disrupts or poses a security risk to the B Generous Services or any other B Generous customer; or (iii) you are in breach of Section 2.4 (Prohibited Activities) or Section 2.5 (Compliance with Laws) (collectively, “Service Suspensions”). We will provide notice of any Service Suspension following the commencement of the Service Suspension and provide updates regarding resumption of B Generous Services following any Service Suspension. B Generous will have no liability for any damage, liabilities, losses (including any loss of data or profits) or any other consequences that you may incur as a result of any Service Suspension.

4. Proprietary Rights and Confidentiality

4.1 B Generous’ Ownership Rights. As between the parties, all right, title, and interest in and to the B Generous Services, including B Generous Content, shall remain vested in B Generous. Except for the express rights granted hereunder, B Generous also reserves all rights, title and interests in and to the B Generous Services and B Generous’ Confidential Information.

4.2 Feedback. You may from time to time provide B Generous suggestions or comments for enhancements or improvements, new features or functionality or other feedback (“Feedback”) with respect to the B Generous Services. B Generous will have full discretion to determine whether or not to proceed with the development of any requested enhancements, new features or functionality. B Generous will have the full, unencumbered right to use, incorporate and otherwise fully exercise and exploit any such Feedback in connection with its products and services.

4.3 Confidentiality. “Confidential Information” means any information or data disclosed by either party that should be reasonably understood to be confidential in light of the nature of the information. However, “Confidential Information” will not include any information which (i) is in the public domain through no fault of receiving party; (ii) was properly known to receiving party, without restriction, prior to disclosure by the disclosing party; (iii) was properly disclosed to receiving party, without restriction, by another person with the legal authority to do so; or (iv) is independently developed by the receiving party without use of or reference to the disclosing party’s Confidential Information. Each party will protect any Confidential Information of the other party which it may receive or otherwise be exposed to in the course of exercising its rights or performing its obligations hereunder. Each party will use the same care to protect the other party’s Confidential Information as it would use to protect its own similar information, but in no event less than reasonable care. Each party will use Confidential Information only for the purpose of fulfilling its obligations or exercising its rights under this Agreement, and as otherwise set forth in B Generous’ Privacy Policy. Neither party will disclose any Confidential Information of the other party to any third party without the prior written consent of the disclosing party, other than furnishing such Confidential Information (a) to its employees and consultants who are required to have access to the Confidential Information in connection with the exercise of receiving party’s rights or performance of its obligations under this Agreement, (b) to its professional advisers (e.g., lawyers and accountants), and (c) as otherwise set forth in B Generous’ Privacy Policy, provided, however, that any and all such employees, consultants and advisers are bound by agreements or, in the case of professional advisers, ethical duties, to treat, hold and maintain such Confidential Information in a manner that is consistent with the terms and conditions of this Section.

4.4 Data Security and Data Processing; Privacy.

a. Data Security. B Generous will implement and maintain commercially reasonable and industry standard administrative, physical, organizational and technical safeguards designed to prevent unauthorized use, access, processing, destruction, loss, alteration or disclosure of any User Data, which you provide through the B Generous Services and that B Generous hosts. Such safeguards will include, at minimum, an industry standard information security program to safeguard such User Data as well as procedures to help ensure that only those with a “need to know” have access to such User Data. B Generous will promptly notify you upon becoming aware of an incident that has or potentially has compromised the security, confidentiality or integrity of such User Data. B Generous will comply with all notification obligations that may be required by applicable state and federal laws and regulations. B Generous further reserves the right to protect its network and services from external threats, including by restricting network access from various hosting providers, traffic proxies, and locations where B Generous does not conduct business.

b. Data Privacy. B Generous may collect, use, and disclose user personal information pursuant to the B Generous Privacy Policy, available at https://bgenerous.com/privacy-policy, as it may be updated from time to time (the “B Generous Privacy Policy”). The B Generous Privacy Policy describes how B Generous collects, uses, and discloses personal information from users. Notwithstanding the foregoing, B Generous may monitor your use of the B Generous Services and use User Data in an aggregate and de-identified manner, including compiling statistical and performance information related to the provision and operation of the B Generous Services, and may make such information publicly available, provided that such information does not incorporate specific User Data and/or identify you. B Generous retains all intellectual property rights in such aggregated and de-identified information.

5. Disclaimer

THE B GENEROUS SERVICES ARE PROVIDED “AS IS” TO THE FULLEST EXTENT PERMITTED BY LAW. B GENEROUS HEREBY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE IN RELATION TO THE B GENEROUS SERVICES. WITHOUT LIMITING THE FOREGOING, B GENEROUS DOES NOT WARRANT THAT THE B GENEROUS SERVICES WILL BE ERROR-FREE OR THAT THEY WILL MEET ANY SPECIFIED SERVICE LEVEL, OR WILL OPERATE WITHOUT INTERRUPTIONS OR DOWNTIME. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM B GENEROUS OR THROUGH THE B GENEROUS SERVICES WILL CREATE ANY WARRANTY. B GENEROUS DOES NOT WARRANT, ENDORSE, GUARANTEE OR ASSUME RESPONSIBILITY FOR ANY THIRD PARTY PRODUCT. TO THE EXTENT THIS DISCLAIMER CONFLICTS WITH APPLICABLE LAW, THE SCOPE AND DURATION OF ANY APPLICABLE WARRANTY WILL BE THE MINIMUM PERMITTED UNDER THAT LAW.

6. Indemnification

6.1 Indemnification by You. You agree to indemnify, defend and hold harmless B Generous against any claim, demand, suit, or proceeding (“Claim”) arising out of (a) your unauthorized use of or access to the B Generous Services, (b) your violation of any term of this Agreement, (c) your violation of any third-party rights, including any right of privacy, any right provided by any labor or employment law, rule, or regulation or any intellectual property right, (d) your violation of any applicable law, rule or regulation, (e) your use of the User Data, and (f) any agreement entered into, or any dispute, between you. In order to receive the benefit of the foregoing indemnity, B Generous must give you prompt written notice of the Claim and all reasonable cooperation, at your expense, in your defense and settlement of the Claim.

6.2 Indemnification by B Generous. B Generous agrees to indemnify, defend and hold you harmless against any Claim arising out of allegations by a third party that the B Generous Services or any portion thereof infringe(s) or otherwise violate(s) such third party’s U.S. intellectual property rights. In order to receive the benefit of the foregoing indemnity, you must give B Generous prompt written notice of the Claim, sole control to defend and settle such Claim and all reasonable cooperation, at B Generous’ expense, in B Generous’ defense and settlement of the Claim. If a claim under the foregoing clause (a) is made or likely to be made, B Generous may: (i) procure a license to allow you to continue using the allegedly infringing component(s) of the B Generous Services, (ii) modify the infringing component(s) to make them non-infringing, or (b) if (i) and (ii) are not reasonably available, terminate your right to use the infringing component(s) effective immediately.

7. Limitation of Liability

YOU ACKNOWLEDGE AND AGREE THAT THE ESSENTIAL PURPOSE OF THIS SECTION 7 IS TO ALLOCATE THE RISKS UNDER THIS AGREEMENT BETWEEN THE PARTIES AND LIMIT POTENTIAL LIABILITY. B GENEROUS HAS RELIED ON THESE LIMITATIONS IN DETERMINING WHETHER TO PROVIDE YOU WITH THE RIGHTS TO ACCESS AND USE THE B GENEROUS SERVICES PROVIDED FOR IN THIS AGREEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, B GENEROUS, ITS AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES, SUPPLIERS AND LICENSORS SHALL NOT BE LIABLE FOR (A) ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THIS AGREEMENT, INCLUDING YOUR USE OF, OR INABILITY TO USE, THE B GENEROUS SERVICES, (B) ERRORS, MISTAKES OR INACCURACIES OF THE B GENEROUS SERVICES, (C) PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE B GENEROUS SERVICES, (D) THE CONTENT OF YOUR USER DATA, (E) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE B GENEROUS SERVICES, (F) ANY BUGS, VIRUSES, TROJAN HORSES OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH OUR B GENEROUS SERVICES BY ANY THIRD PARTY, (G) ANY ERRORS OR OMISSIONS IN THE B GENEROUS SERVICES OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED OR OTHERWISE MADE AVAILABLE THROUGH THE B GENEROUS SERVICES, AND/OR (H) THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY THIRD PARTY. B GENEROUS, ITS AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES, SUPPLIERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR DIRECT DAMAGES, IN THE AGGREGATE, EXCEEDING [___________]. THE LIMITATIONS IN THIS SECTION APPLY TO THE FULLEST EXTENT PERMITTED BY LAW, EVEN IF B GENEROUS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. THIS AGREEMENT GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY FROM STATE TO STATE. THE EXCLUSIONS AND LIMITATIONS OF LIABILITY UNDER THIS AGREEMENT WILL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW. IF YOU ARE A USER FROM NEW JERSEY, THE FOREGOING SECTIONS TITLED “DISCLAIMER” AND “LIMITATION OF LIABILITY” ARE INTENDED TO BE ONLY AS BROAD AS IS PERMITTED UNDER THE LAWS OF THE STATE OF NEW JERSEY. IF ANY PORTION OF THESE SECTIONS IS HELD TO BE INVALID UNDER THE LAWS OF THE STATE OF NEW JERSEY, THE INVALIDITY OF SUCH PORTION SHALL NOT AFFECT THE VALIDITY OF THE REMAINING PORTIONS OF THE APPLICABLE SECTIONS.

8. Miscellaneous

8.1 Assignment; Delegation. This Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you without the prior written consent of B Generous. Any attempted transfer or assignment in violation hereof shall be null and void. B Generous, in its sole discretion, may use vendors or contractors to help provide the B Generous Services to you, and may change our use of vendors or contractors without notice to you. B Generous will remain responsible for the acts and omissions of such vendors and/or contractors.

8.2 Governing Law. This Agreement will be governed by the laws of the State of [Delaware], exclusive of its rules governing choice of law and conflict of laws. Subject to the agreement to arbitrate below, all disputes arising out of the Agreement will be subject to the exclusive jurisdiction and venue of the state and federal courts of [New Castle County, Delaware], and the parties hereby consent to the personal jurisdiction of these courts.

8.3 Notices. B Generous may provide notifications, whether such notifications are required by law or are for marketing or other business related purposes, to you via email notice, text message, written or hard copy notice, or through posting of such notice on the B Generous Services, as determined by B Generous in its sole discretion. B Generous reserves the right to determine the form and means of providing notifications to you, provided that you may opt out of certain means of notification as provided in the B Generous Services. B Generous is not responsible for any automatic filtering you or your network provider may apply to email notifications B Generous sends to the email address you provide. B Generous may, in its sole discretion, modify or update this Agreement from time to time, so you should review this page periodically. When B Generous materially changes this Agreement, B Generous will update the “Effective Date” date at the top of this page and notify you that material changes have been made to this Agreement. Any such changes will become effective no earlier than thirty (30) days after they are posted, except that changes addressing new functions of the B Generous Services or changes made for legal reasons will be effective immediately. Your continued use of the B Generous Services after the date any such change become effective constitutes your acceptance of this Agreement, as updated. If you do not agree to any of these terms or any future terms, you may not use or access the B Generous Services. Notices to B Generous shall be made to the attention of [______________________________] and sent via email to privacy@bgenerous.com.

8.4 Waiver. No waiver of any rights will be effective unless assented to in writing by both parties. Any such waiver will be only to the specific provision and under the specific circumstances for which it was given, and will not apply with respect to any repeated or continued violation of the same provision or any other provision. Failure or delay by either party to enforce any provision of this Agreement will not be deemed a waiver of future enforcement of that or any other provision.

8.5 Relationship. Nothing contained herein will in any way constitute any association, partnership, agency, employment or joint venture between the parties hereto, or be construed to evidence the intention of the parties to establish any such relationship. Neither party will have the authority to obligate or bind the other in any manner, and nothing herein contained will give rise or is intended to give rise to any rights of any kind to any third parties.

8.6 Unenforceability. If a court of competent jurisdiction determines that any provision of this Agreement is invalid, illegal, or otherwise unenforceable, such provision will be enforced as nearly as possible in accordance with the stated intention of the parties, while the remainder of this Agreement will remain in full force and effect and bind the parties according to its terms.

8.7 Force Majeure. Neither Party will be deemed in breach hereunder for any cessation, interruption or delay in the performance of its obligations due to causes beyond its reasonable control, including earthquake, flood, or other natural disaster, act of God, labor controversy, civil disturbance, terrorism, war (whether or not officially declared) or the inability to obtain sufficient supplies, transportation, or other essential commodity or service required in the conduct of its business, or any change in or the adoption of any law, regulation, judgment or decree.

8.8 Entire Agreement. This Agreement comprises the entire agreement between you and B Generous with respect to its subject matter, and supersedes all prior and contemporaneous proposals, statements, sales materials or presentations and agreements. No oral or written information or advice given by B Generous, its agents or employees will create a warranty or in any way increase the scope of the warranties in this Agreement.

8.9 Interpretation. For purposes hereof, “including” means “including without limitation”.

9. Agreement to Arbitration

9.1 Support. If you have any issues with B Generous Services, B Generous, or any issue covered by this Agreement, you must try to resolve the issue first through B Generous Customer Support. If you are not able to resolve the issue through B Generous customer support within sixty (60) days, you may pursue the dispute resolution procedures detailed in the remainder of Section 9.

9.2 Agreement to Arbitrate. ANY DISPUTE OR CLAIM RELATING IN ANY WAY TO YOUR USE OF OR ACCESS TO THE B GENEROUS SERVICES, OR ANY PRODUCT OR SERVICE INTEGRATED WITH THE B GENEROUS SERVICES, AS WELL AS ANY DISPUTE OR CLAIM RELATING TO OR ARISING UNDER THIS AGREEMENT (INCLUDING UNDER B GENEROUS’S PRIVACY POLICY), SHALL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, RATHER THAN IN COURT. THE TERMS IN THIS SECTION ARE REFERRED TO AS THE “ARBITRATION AGREEMENT.” THIS ARBITRATION AGREEMENT APPLIES TO ALL SUCH CLAIMS, BROUGHT UNDER ANY LEGAL THEORY, UNLESS THE CLAIM FITS IN ONE OF THE EXCEPTIONS IDENTIFIED IN SECTION 9.3.

This arbitration agreement is governed by the Federal Arbitration Act (FAA), including its procedural provisions, in respects. This means that the FAA governs, among other things, the interpretation and enforcement of this arbitration agreement and all of its provisions, including, without limitation, the class action waiver discussed below. State arbitration laws do not govern in any respect.

This arbitration agreement is intended to be broadly interpreted and will survive termination of this Agreement, which means (among other things) that this arbitration agreement applies even after you have stopped using your B Generous account or have deleted it. The arbitrator, and not any federal, state or local court or agency, shall have exclusive authority to the extent permitted by law to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability, or formation of this Agreement, including, but not limited to, any claim that all or any part of this agreement is void or voidable. If the parties have a dispute about whether this arbitration agreement can be enforced, whether this arbitration agreement applies to a dispute, or any other dispute about the meaning or scope of this arbitration agreement, the parties agree that the arbitrator shall have exclusive authority to resolve the dispute.

There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages) and must follow this Agreement as a court would. For the avoidance of doubt, the arbitrator can award public injunctive relief.

In the event this arbitration agreement is for any reason held to be unenforceable or inapplicable to a claim, any litigation against B Generous (except for the intellectual property and small claims actions described in Section 10.3 below) may be commenced only in a federal or state court located within [________________], and both parties consent to the jurisdiction of those courts for such purposes.

9.3 Exceptions to Agreement to Arbitrate. You and B Generous agree that the agreement to arbitrate will not apply to any disputes relating to your or B Generous’ intellectual property (e.g., trademarks, trade dress, domain names, trade secrets, copyrights or patents) and that such disputes may be brought in any court that has jurisdiction over such claims. Also, either party can bring a claim in small claims court in [____________] (or small claims court in another place if both parties agree in writing), if it qualifies to be brought in that court.

9.4 Details of Arbitration Procedure.

a. Informal Resolution. You and B Generous agree that good-faith informal efforts to resolve disputes often can result in a prompt, low-cost and mutually beneficial outcome. Prior to demanding or filing any arbitration, you and B Generous agree to personally meet and confer, in person or by videoconference, in a good-faith effort to resolve informally any claim covered by this arbitration agreement. If you are represented by counsel, your counsel may participate in the conference, but you shall also fully participate in the conference. The party initiating the claim must give notice to the other party in writing of its, his, or her intent to initiate an informal dispute resolution conference, which shall occur within 60 days after the other party receives such notice, unless an extension is mutually agreed upon by the parties. To notify B Generous that you intend to initiate an informal dispute resolution conference, email [_____________] with the subject “INFORMAL DISPUTE RESOLUTION REQUEST” and provide your name, the telephone number associated with your B Generous account, the email address associated with your email account, and a description of your claim. In the interval between the party receiving such a notice and the informal dispute resolution conference, the parties shall be free to attempt to resolve the initiating party’s claims. Engaging in an informal dispute resolution conference is a requirement that must be fulfilled before commencing arbitration. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the informal dispute resolution process described in this paragraph.

b. If the informal dispute resolution process does not result in a resolution of the dispute within 60 days after the conference is held, either party may initiate an arbitration proceeding under the rules of the AAA. AAA’s rules and procedures are available on their website available at http://www.adr.org. The arbitration will be governed by the then-current version of AAA’s Commercial Arbitration Rules (the “AAA Rules”) and will be held before a single arbitrator appointed in accordance with the AAA Rules. To the extent anything described in this agreement to arbitrate conflicts with the AAA Rules, the language of this agreement to arbitrate applies. Any arbitration will be conducted in [_______________], or in another location that both parties agree to in writing.

c. Discovery. Each party will be entitled to get a copy of non-privileged relevant documents in the possession or control of the other party and each party may take one (1) deposition. All such discovery will be in accordance with procedures approved by the arbitrator. This agreement to arbitrate does not alter in any way the statute of limitations that would apply to any claims or counterclaims asserted by either party.

d. Arbitration Award. The arbitrator’s award will be based on the evidence admitted and the substantive law of the State of [Delaware] and the United States, as applicable, and will contain an award for each issue and counterclaim. The award will provide in writing the factual findings and legal reasoning for such award. The arbitrator will not be entitled to modify this Agreement, and may not award any relief that is inconsistent with this Agreement.

e. Final and Binding. Except as provided in the Federal Arbitration Act, the arbitration award will be final and binding on the parties. Judgment may be entered in any court of competent jurisdiction.

9.5 Class Action Waiver. You and B Generous agree that any claims or controversies between the parties must be brought against each other on an individual basis only, and not in a class, consolidated, or representative action. That means neither you nor B Generous can bring such a claim as a plaintiff or class member in a class action, consolidated action, or representative action. The arbitrator cannot combine or consolidate more than one person’s or one entity’s claims into a single case, and cannot preside over any consolidated, class or representative proceeding (unless all parties agree otherwise in writing). Further, the arbitrator’s decision or award in one person’s or entity’s case can only impact the person or entity that brought the claim, not other entities or B Generous customers, and cannot be used to decide other disputes with other customers. YOU AGREE TO WAIVE ANY RIGHT TO A JURY TRIAL, YOU AGREE TO WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS-WIDE OR REPRESENTATIVE ARBITRATION, AND YOU AGREE TO WAIVE ANY RIGHT TO PARTICIPATE IN ANY CLASS ACTION LAWSUIT (INCLUDING FOR ANY CLAIM THAT IS DETERMINED NOT TO BE SUBJECT TO ARBITRATION UNDER THESE TERMS). If a court decides that this class action waiver is not enforceable or valid, then the entire agreement to arbitrate will be null and void, but the rest of this Agreement will still apply.

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