Updated April 4th, 2022

Terms and Conditions

Welcome and thank you for your interest in the Multify Website, owned and operated by Multify, Inc. (“Multify”, “Company”, “We”, “Our”, or “Us”). Please read these Terms of Service (the “Agreement” or “Terms”) carefully before using the services offered by Multify. This Agreement sets forth the legally binding terms and conditions for your use of the Website at www.multify.co, all other Websites owned and operated by Multify that redirect to www.multify.co, and all subdomains (collectively, the “Website”, and the service owned and operated by the Company (together with the Website, the “Service”. By accessing, browsing or using the Service in any manner, including, but not limited to, visiting or browsing the Website or contributing content, information, or other materials or services to the Website, you agree to be bound by this Agreement, the Privacy Policy, and all other operating rules, policies and procedures that may be published by Multify from time to time on the Website (collectively, the “Published Information”, each of which is incorporated by reference and each of which may be updated by Multify from time to time without notice to you.

In order to access the Website and the Service, you must accept these Terms, the Privacy Policy, and any Published Information. Visitors to the Website and users of the Services are referred to herein individually as “user” and collectively as “users”.

Your use of the Website and Service is governed by the then current version of the Agreement in effect on the date of such use. Multify may, at its sole discretion, modify and replace the Agreement at any time and without prior notice to you by posting the updated Agreement on the Website. By using and accessing the Service, you acknowledge and agree to review the then current version of the Agreement prior to each such use. Your continued use of the Service after any modifications to the Terms have been published on the Service or otherwise provided to you constitutes your acknowledgement of, and binding agreement to, the then current Agreement. Notwithstanding the foregoing, the resolution of any dispute that arises between you and Multify will be governed by the Terms in effect at the time the events giving rise to such dispute occurred.

Please also note that the terms and conditions of this Agreement are in addition to any other agreements between you and Multify, including any customer, account or marketing agreements, and any other agreements that govern your use of products, services, content, tools, and information available on the Website. This Agreement does not alter in any way the terms or conditions of any other agreement you may have with Multify, or its subsidiaries or affiliates, for the Service or otherwise. If you do not agree to all the terms of this Agreement, Multify Privacy Policy and/or any Published Information, you are not eligible to participate in Multify Service or otherwise use this Website. This Agreement applies to all users of the Website or Service, including investment managers (“Managers”), investors, including Accredited Investors, as defined by SEC Regulation D Rule 501 (collectively, “Investors”), and visitors to the Website, who in any way use the Website or Service provided by Multify (in each case, a “User”). Nothing in these Terms of Service shall be deemed to confer rights on Users or third parties.

Furthermore, Multify takes the privacy of its Users very seriously. Please read the Multify Privacy Policy, which is hereby incorporated into these Terms by reference, carefully for information relating to our collection, use and disclosure of your personal information.

What Multify Is

Multify is a website facilitating savings using decentralized finance principles via stablecoins (cryptocurrencies pegged to the US dollar) and digital finance protocols.  Multify enables you to simply deposit fiat currency via our partner Lakefront Treasury, which then converts and directs into decentralized finance protocols centered around lending and earning a yield.

How Multify Works

Multify allows you to earn interest by depositing fiat currency with our partner Lakefront Treasury, which then directs those into decentralized finance protocols where they are lent out to browsers via highly over-collateralized instruments.  When you sign up with Multify, you get access to a dashboard that allows you to deposit funds, view performance, and withdraw funds at any time.  

Depositing with Multify

Multify works with Lakefront Treasury which takes deposits in fiat currency (specifically USD) via bank wire transfers or ACH transfers.  All fiat deposits are handled and custodied by our partner Lakefront Treasury. Our partner converts the fiat currency into “stablecoins” such as USDC.  Multify never holds our customers’ fiat currencies.

We process deposits every 24 hours and you should see your deposit in your Multify dashboard within 48 hours of making the deposit.

Earning Interest

You earn interest when your funds are deployed with a decentralized finance protocol via our partner Lakefront Treasury. In general, you start to earn interest from the day your deposits are shown in your dashboard.  Interest accrues daily and is updated in your Multify dashboard daily as well. It is important to know that while Multify and its partners aim to provide a relatively high return for our clients, no rate is guaranteed and the rate might decrease in the future.  

Any projections made via any interfaces are hypothetical in nature and past performance is not a guarantee of future results. You are solely responsible for evaluating the risk
associated with use of the Multify service.

Withdrawing your funds

If you have a money balance in your Multify account, you may withdraw it by
submitting a withdrawal request and specifying a destination bank account that you verify ownership of.  Withdrawals are processed every 24 hours and complete within one to three business days depending on when they are initiated by our partner Lakefront Treasury.

Custody and control over your account

Multify never holds custody over your fiat currency - instead our treasury partner Lakefront Treasury holds custody over your currency and will convert to stablecoins for direction into a decentralized finance protocol where it earns yield.  Custody is necessary in order to facilitate the depositing into lending protocols.  

It is of particular importance to note that while Multify and Lakefront Treasury do everything we can to keep your deposits safe, it is possible that you could lose part of or all of your balance in Multify or Lakefront Treasury.  This includes any of your deposits as well as any interest earned.  The could happen in the unlikely scenario that either the security of Multify or Lakefront Treasury is breached or if the lending platforms themselves suffer a compromise.  Multify cannot provide any guarantees for any interest accumulated nor for the initial fiat currency deposited with our partners.  As a result, Multify shall NOT be liable for the loss of any of your deposit, any interest accumulated that are lost, stolen, or otherwise irretrievable in the event that Multify experiences a hack of other security breach.

Fees

Multify earns the differential yield paid by lending protocols after Lakefront Treasury fees and a set rate provided to the Client.  

Multify does not charge fees to deposit or withdraw from Lakefront Treasury.  

It is possible that your bank may have fees related to transactions.  

Multify reserves the right to change its fee structure at any time.  Any fee changes will be communicated to you via e-mail.  Should Multify make changes to our fee schedule, we will provide reasonable notice and will give you the opportunity to terminate your deposits before such fees become effective. Your continued use of Multify after any fee change(s) come into effect constitutes your agreement to pay the fees.  Except as required by law, fees are non-refundable.

Multify is not an investment advisor.

Multify does not provide investment advice. No content published on the website constitutes a recommendation that any particular cryptocurrency, digital assets, or digital finance protocols are suitable for any specific person. Multify is not acting and cannot act as an advisor, including as to any financial, legal, investment, insurance and/or tax matters. Any information provided by Multify is for general information only.

Multify is not an investor and does not invest on your behalf.

It is solely your choice to direct your funds to our partner Lakefront Treasury so that they may further direct these funds into a decentralized finance protocol.  Multify is not a loan broker nor do we facilitate any lending and borrowing.

Your tax obligations

The value of any gains related using decentralized finance protocols may constitute taxable income. Please consult your tax advisor as we do not provide tax advice.

Reserved Rights

Multify further reserves the right, in its sole discretion, to block or otherwise discontinue your access and use of the Website at any time and for any reason including but not limited to, for scheduled or unscheduled maintenance, upgrades, improvements or corrections. You agree that Multify and its subsidiaries and affiliates will not be liable to you, or to any third party for any such modification, suspension or discontinuance.

Authorized User

The Service is available only to individuals who are at least 18 years old (and at least the legal age in your jurisdiction). You represent and warrant that if you are an individual, you are at least 18 years old and of legal age in your jurisdiction to form a binding contract, and that all registration information you submit is accurate and truthful. Multify may, in its sole discretion, refuse to offer the Service to any person or entity. The Service is not available to any Users suspended or removed from the Website or Service by Multify. By using the Service, you represent that you have not been previously suspended or removed from the Website or Service.

Some of our services, and certain web pages of the Website, are available only to those Users who have been authorized by us to access those services and web pages. Only Users of the Service who are Accredited Investors as defined in Regulation D Rule 501 adopted pursuant to the Securities Act of 1933 (“Accredited Investors”) with a valid User ID and password are authorized to access such services and web pages. Such authorization may require completion of an Accredited Investor Questionnaire and satisfactory background information screening and/or identification verification. By registering for, accessing, browsing, and/or otherwise using the services and/or web pages for which access is restricted to Accredited Investors, you represent and agree that you are an Accredited Investor. Should you cease to be an Accredited Investor at any time, you agree to immediately notify Multify and to refrain from accessing such restricted portions of the Website and/or Service. Further, because access to the restricted portions of the Website is limited by applicable law to Accredited Investors, you agree that you will not allow anyone to access such restricted portions of the Website, or share or disclose any information obtained through restricted portions of the Website with anyone, regardless of whether you believe such person or entity to also be an Accredited Investor.

As part of Multify’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 Service, each authorized user consents to receiving email notifications from Multify concerning offerings. Additionally, users of the restricted portions of the Website are required to confirm their status as an Accredited Investor. In order for Multify to confirm that your representation regarding your status as an Accredited Investor is accurate when made and continues to be accurate from time to time, you agree to provide Multify with all information and documentation reasonably required by Multify to verify your status as an Accredited Investor, including without limitation, delivering a completed Accredited Investor Questionnaire, tax returns, brokerage statements, bank statements, resumes and other private financial information. Should you fail to provide information and documentation that confirms your status as an Accredited Investor; Multify may immediately suspend, block or otherwise discontinue your access and use of the Website or Service. Multify may change its eligibility criteria at any time, for any reason, and without prior notice.

Your User Account and Password

In order to access certain features of the Services, you will have to create an account and become a registered user of the Services. If you create an account for the Services, you agree that any information you provide to Multify on registration for an account and at all other times will be true, accurate, current, and complete. Since the provision of certain features of the Services may depend on the continued accuracy of your account information, you also agree that you will ensure that this information is kept accurate and up-to-date at all times your account remains open.

Unauthorized use of the Services and our systems, including, but not limited to, unauthorized entry into our systems, misuse or sharing of User IDs passwords or misuse of any other information, is strictly prohibited. As you will be responsible for all activities that occur under your account, you should keep your password confidential. You are solely responsible for maintaining the confidentiality of your account and password and agree to promptly report any unauthorized or suspicious activity in your account to us by email at info@multify.co. You may be liable for any losses incurred by Multify or others due to any unauthorized use of your account. You further agree that you are responsible for any unauthorized use of your password that is made before you have notified us and we have had a reasonable opportunity to act on that notice. We reserve the right to suspend or cancel your account and/or password, even without receiving such notice from you, if we suspect that it is being used in an unauthorized or fraudulent manner.

The Multify Offering

The Services offered on this Website are available only to those who understand economic and investment risk and are willing to bear the consequences of that risk. Additionally, the Services on this Website are only suitable for Accredited Investors who are familiar with and willing to accept the natural risk associated with investments. By using the Website or Service, you represent and warrant that if you are an individual, you are of legal age to form a binding contract and that all registration information you submit is accurate and truthful. You acknowledge and agree that you have significant experience investing in investments typical to those offered to Accredited Investors and as offered through the Website.  You understand that all of the investments offered through the Service are inherently very risky, and you understand the risks associated with the investments offered through the Website, and you are comfortable with the risk of losing your entire investment invested through the Service.  If you are using the Website 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 Multify for violations of this Agreement.

You further represent and agree that you understand that Multify does not guarantee the performance of any offerings made through the Website or Service and any and all projections, estimates, and expectations for investments offered through the Website or Service are merely opinions and should not be relied on for any purpose whatsoever. The value of investments and the income from them can fall as well as rise. Past performance is not a guarantee of future performance. The contents of this Website do not constitute financial, legal, or tax advice. Investors are solely responsible for conducting any legal, accounting or due diligence review. You acknowledge and agree that Multify is not a registered Investment Company or Investment Advisor within the meaning of the Investment Company Act of 1940 and the Investment Advisors Act of 1940, respectively. You should obtain investment and tax advice from your advisers before deciding to invest. Investment products are not FDIC insured, may lose value, and there is no bank guarantee.

No Solicitation or Advice

None of the information contained in the publicly available portions of the Website constitutes a recommendation, solicitation or offer to buy or sell any securities, options or other financial instruments or other assets or provide any investment advice or service. The information contained in the Website has been prepared without reference to any particular User’s investment requirements or financial situation. The information and services provided on the Website 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 Multify is not authorized to provide such information or services. Some products and services described on the Website may not be available in all jurisdictions or to all clients.

You acknowledge that you are not relying on Multify or any of its affiliates, officers, directors, partners, agents or employees in making an investment decision. Always consider seeking the advice of a qualified professional before making decisions regarding your business and/or investments. Multify does not endorse any investments and shall not be responsible in any way for any transactions you enter into with other Users. You agree that Multify and its affiliates, officers, directors, partners, agents or employees will not be liable for any loss or damages of any sort incurred as a result of any interactions between you and other users.

Unauthorized Use

Unauthorized use of the Website and our Service, including, but not limited to, unauthorized entry into our systems, the misuse or sharing of passwords or misuse of any other information, is strictly prohibited. You may not use the Website in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party’s use and enjoyment of the Service. You agree that you will not engage in any activities related to the Website that are contrary to applicable laws or regulations. You may be liable for any losses incurred by Multify or others due to any unauthorized use of your account.

You further agree that you are responsible for any unauthorized use of your password that is made before you have notified us and we have had a reasonable opportunity to act on that notice. Multify reserves the right at its discretion to suspend or cancel your account and/or password, even without receiving such notice from you, if we suspect that it is being used in an unauthorized or fraudulent manner.

You are solely responsible for maintaining the confidentiality of your account and password and agree to promptly report any unauthorized or suspicious activity in your account to us by email at info@multify.co. You may also be liable for any losses incurred by Multify or others due to any unauthorized use of your account.

Prohibited Activities

You agree that you are responsible for your own conduct while using the Website or Service and for any consequences thereof. You agree to use the Service only for purposes that are legal, proper and in accordance with this Agreement, the Multify Privacy Policy, any Published Information and any applicable law, rules or regulations (including without limitation the Securities Act of 1933, the Securities Exchange Act of 1934, the Investment Company Act of 1940, the Investment Advisers Act of 1940, any applicable state “Blue Sky” laws, any other applicable United States federal or state securities laws, regulations and rules, any securities exchange or self-regulatory organization’s rules or regulations, any consumer protection, unfair competition, and anti-discrimination laws or regulations and any applicable foreign laws). By way of example, and not as a limitation, you agree to not take any action that is listed below:

Infringes Rights. You agree not to upload, post, email, transmit, submit, or otherwise make available through the Website or Service any material or content that infringes any patent, trademark, copyright, trade secret or other proprietary right of any party, unless you are the owner of such rights or have the permission of the owner to post such content. You further agree to not take any action that infringes any patent, trademark, trade secret, copyright, right of publicity, or other right of any other person or entity, or violates any law or contract, including removing any copyright, trademark or other proprietary rights notices contained in or on the Website or Service.

Information Disclosure. You agree not to share or disclose to anyone any information obtained through the Website or Service about any investment offerings. Distribution without Consent You agree not to distribute in any medium any part of the Website or Service or any content available thereon without Multify’s prior written authorization. The only exceptions are where Multify makes available the means for such distribution through functionality offered by the Service.

You agree not to distribute in any medium any part of the Website or Service or any content available thereon without Multify’s prior written authorization. The only exceptions are where Multify makes available the means for such distribution through functionality offered by the Service.

Alterations or Modifications. You agree not to alter or modify any part of the Website or Service.

Submitting False, Defamatory or Harassing Information. You agree not to upload, post, email, transmit or submit or otherwise make available through the Website or Service any inappropriate, defamatory, infringing, obscene, false, misleading, inaccurate, harassing, threatening or unlawful material or content or imply that such content is sponsored or endorsed by Multify, any of its affiliates or any third parties. You further agree not to take any action that would defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

Unlawful Purposes

You agree not to use the Website or Service for any illegal or unauthorized purpose (including, without limitation, in violation of any United States federal and state securities or blue sky laws or regulations, securities exchange or self-regulatory organization’s rules or regulations, consumer protection, unfair competition, and anti-discrimination laws or regulations or equivalent laws or regulations in foreign jurisdictions).

Transfers or Assignments

You agree not to transfer or assign these Terms, and any rights and licenses granted hereunder.

Non-Public Areas

You agree not to access, tamper with, or use non-public areas of the Website or Service or any other computer systems or networks connected to the Service.

Breach of Security Measures

You agree not to breach any of Multify security or authentication measures.

Unauthorized Access or Contact

You agree not to gain unauthorized access to the Website, Service, any other Multify Website or service, or the computer systems or networks connected to the Service through hacking, password mining or any other means. You further agree not to contact any party or user other than as allowed through the Website or Service.

Generate Artificial Traffic

You agree not to use the Service to artificially generate traffic or page links to a Website or for any other purpose not expressly allowed under these Terms of Service.

Commercial Uses

You agree not to use the Service for any commercial uses or purposes, unless you obtain Multify prior written consent and approval. Such commercial uses include but are not limited to: (i) soliciting other Users for investments of any kind; (ii) offering or selling any products or services of any kind; (iii) making investment recommendations to other Users; and (iv) advertising, sponsorships, or promotions placed on or within the Website or Service.

Unlawful Schemes or Activities

You agree not to upload, post, email or transmit, or otherwise make available through the Website or Service any materials that promote pyramid schemes, chain letters or disruptive commercial messages or advertisements, or anything else prohibited by law, these Terms, the Privacy Policy or any Published Information. You further agree not to promote or provide instructional information about illegal activities or promote physical harm or injury against any group or individual.

Disabling Security Features

You agree not to circumvent, disable or otherwise interfere with security-related features of the Service or any other computer systems or networks connected to the Service. You also agree not to circumvent, disable or otherwise interfere with features that prevent or restrict use or copying of any material or content or enforce Service or content use limitations.

Impersonation

You agree not to impersonate any person or entity, including any employee or representative of Multify, or falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of any materials.

Other

You agree not to: (i) use the Service or take any action that imposes or may impose (as determined by Multify in its sole discretion) an unreasonable or disproportionately large load on Multify’s or its third-party providers’ infrastructure or that could damage, disable, overburden, or impair the Service, or interfere with any other party’s use and enjoyment of the Service; (ii) interfere or attempt to interfere with the proper working of the Service or any activities conducted on the Service; (iii) bypass any measures the Company may use to prevent or restrict access to the Service (or other accounts, computer systems, or networks connected to the Service); (iv) run Mail list, Listserv, or any form of auto-responder or “spam” on the Service; (v) use any robot, spider, Website search/retrieval application, or other device to retrieve or index any portion of the Service or collect information about its Users for any unauthorized purpose; or (vi) transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature.

Account Information

If you create an account and become a registered user of the Service, you agree to (i) provide accurate, current and complete information about you as may be prompted at registration (“Account Information”); (ii) maintain the security of your password and identification; (iii) maintain and promptly update your Account Information, and any other information that you provide to Multify, to keep it accurate, current and complete; and (iv) accept all risks of unauthorized access to your Account Information and any other information you provide to Multify.

Proprietary Rights

All rights, title and interest in the Website and the Services is the exclusive property of Multify and its licensors, except as otherwise stated. The visual interfaces, graphics, design, systems, methods, information, computer code, software, services, “look and feel”, organization, compilation of the content, code, data, and all other elements of the Website (collectively, the “Multify Proprietary Property”) are protected by United States copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. Except for any User Content (as defined below), all Multify Proprietary Property is the copyrighted property of Multify, its affiliates and/or third party licensors. Your access to or use of the Services does not grant to you ownership of any content, code, data or any part of the Multify Proprietary Property. Any commercial or promotional distribution, publishing or exploitation of the Multify Proprietary Properties strictly prohibited unless you have received express, prior written permission from Multify or the otherwise applicable rights holder. Multify reserves all rights to the Multify Materials not expressly granted in the Terms.

Unless otherwise specified and except for any User Content (as defined below) published or made available on or through the Services, all content available on the Website is for your personal and non-commercial use only. All such content, including, without limitation, articles, documents, brochures, presentations, pictures, images, audiovisual works, other informational materials and any user comments (collectively, the “Services Content”), is owned or controlled by Multify, its affiliates or its licensors, and is protected by copyright and other intellectual property laws. Subject to the foregoing, you may print, copy and download any information or portion of such Services Content for your personal, non-commercial use only, provided that you retain all copyright and proprietary notices that are contained in such portion of theServices Content. You expressly acknowledge that you do not acquire any ownership rights in the Services Content by downloading any copyrighted material from or through the Services. You may not modify, copy, distribute, share, disclose, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use the Services Content in any other way for commercial or public purposes without Multify’s prior written approval, except as permitted on or through the Services or as otherwise permitted by applicable law.

All trademarks, service marks, logos, and trade names contained in the Multify Materials and/or the Services Content are proprietary to their respective owners. You are prohibited from using any such trademarks, service marks, logos, and trade names for any purpose, including but not limited to use as meta-tags on your or third parties’ websites, without prior written permission from the their respective owner(s).

User Content

The Service may allow you and other Users to submit, post, transmit and share content with other users, which may include, without limitation, personal and representative profiles and information sheets on certain private companies or other issuers, streaming feeds articles, documents, brochures, presentations, pictures, images, audiovisual works, other information materials and any user comments or other unedited or third party content submitted by you and other Users on or through the Services (collectively, “User Content”). With respect to such User Content submitted by you or any other Users of the Website or Service, you represent, warrant and affirm as follows:

User Content is made available on or through the Service for informational purposes only and is not otherwise controlled by Multify. You understand that Multify does not guarantee any accuracy or confidentiality with respect to any such User Content, and strongly recommends that you think carefully about what you transmit, submit or post to or through the Service.

User Content you submit to the Service or Multify or any Multify licensee’s use of such User Content pursuant to these Terms, will not: (i) infringe, violate, or misappropriate any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; (ii) violate any applicable laws, rules or regulations (including, without limitation, United States federal and state securities or blue sky laws or regulations, securities exchange or self-regulatory organization’s rules or regulations, or equivalent laws or regulations in foreign jurisdictions); or (iii) require obtaining a license from or paying any fees and/or royalties by Multify to any third party for the performance of any services you have chosen to be performed by Multify or for the exercise of any rights granted in these Terms, unless you and Multify otherwise agree.

All User Content and any information contained in such User Content are the sole responsibility of the person(s) who originated such User Content. This means that you, and not Multify, are entirely responsible for all User Content that you upload, post, transmit, or otherwise make available through the Service as well as any consequences of submitting and publishing your User Content on the Service. You affirm, represent, and warrant that you own or have the necessary licenses, rights, consents, and permissions to publish User Content you submit; and you license to Multify all patent, trademark, trade secret, copyright or other proprietary rights in and to such User Content for publication on the Service pursuant to these Terms of Service.

By submitting User Content to Multify, you hereby grant Multify and its affiliates, sublicenses, partners, designees, and assignees a worldwide, non-exclusive, royalty-free, sub-licensable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Content in connection with the Service and Multify’s (and its successors’ and affiliates’) business, including without limitation for promotion and redistribution of part or all of the Service (and derivative works thereof) in any media formats and through any media channels.
You hereby grant each User of the Service a non-exclusive license to access your User Content through the Service, and to use, reproduce, distribute, display and perform such Content as permitted through the functionality of the Service and under these Terms of Service. The above licenses granted by you in User Content you submit to the Service terminate within a commercially reasonable time after you remove or delete your User Content from the Service. You understand and agree, however, that Multify may retain, but not display, distribute, or perform, server copies of your User Content that has been removed or deleted.
You may be exposed to User Content that is, without limitation, inaccurate, inappropriate, misleading, unlawful, offensive or otherwise objectionable and Multify makes no representations or warranties regarding any User Content, is not responsible for the accuracy, usefulness, or intellectual property rights of or relating to any User Content and does not endorse any User Content submitted to the Service by any user or other licensor, as well as any opinion, recommendation, or advice expressed therein and all such content is offered “AS IS” and “AS AVAILABLE”.

Copyright Policy

Multify does not permit infringement of intellectual property rights on the Website or Service, and Multify will remove copyright infringing activities or related User Content if Multify is properly notified that such User Content infringes on another’s intellectual property rights. If you believe that your work has been copied in a way that constitutes copyright infringement, or that any material on the Website violates this Agreement or your intellectual property rights, please notify Multify as soon as possible by sending an email to info@multify.co, or by contacting Multify’s Agent (listed below), with the following information pursuant to the Digital Millennium Copyright Act (“DMCA”) (please confirm these requirements with your legal counsel, or see the U.S. Copyright Act, 17 U.S.C.§512(c)(3), for more information): (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (ii) a description of the copyrighted work that you claim has been infringed; (iii) a description of where the material that you claim is infringing is located on the Website, sufficient for Multify to locate the material; (iv) your contact information, including your address, telephone number, and email address; (v) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (vi) a statement by you that the information in your notice is accurate and, under penalty of perjury, that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Pursuant to Section 512(c)(2) of the DMCA, Multify designates the following agent to receive notifications of claimed infringement:

Surojit Niyogi
Austin, TX 78738
[n](mailto:allen@Sharestates.com)@multify.co

For the avoidance of doubt, only DMCA notices should go to Multify’s Designated Copyright Agent. You acknowledge that if you fail to comply with all of the requirements of this section, your DMCA notice may not be valid. We reserve the right to remove User Content alleged to be infringing or otherwise illegal without prior notice and at our sole discretion. In appropriate circumstances, Multify will also terminate a User’s account if the user is determined to be a repeat infringer.

Interactions with Other Users

The Website and/or Service may allow you to correspond or otherwise interact with other Users who may provide you with investments, investment information, advice, services and/or events, or provide you with other information about various companies or organizations. You acknowledge that such other Users are not affiliated with or controlled by Multify or its affiliates, and Multify cannot influence the investments, information, advice or services provided by them. Your correspondence or interaction with other Users is solely between you and such other Users. You agree that Multify and its affiliates will not be responsible or liable for any loss or damage of any sort incurred as the result of any interactions between you and other Users. Furthermore, if you provide any investments, information, advice or services to other Users through the Services, you acknowledge that you are not affiliated with, or controlled or influenced in any way by, Multify or its affiliates.

If you have a dispute with one or more Users, you irrevocably and forever release Multify (and Multify’s affiliates, officers, directors, agents, subsidiaries, joint ventures and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

Third Party Content

The Website may contain content from and links to third party Websites or content that is not owned or controlled by Multify (collectively, “Third Party Content”). Multify does not control, endorse, investigate or adopt any Third Party Content, and assumes no responsibility for any Third Party Content, or the accuracy, availability, privacy policies, or practices of such content. In addition, Multify will not and cannot censor or edit such Third Party Content and makes no representations or warranties of any kind regarding the Third Party Content, including with respect to accuracy or completeness. By using the Service, YOU EXPRESSLY RELIEVE MULTIFY FROM ANY AND ALL LIABILITY ARISING FROM YOUR USE OF ANY THIRD-PARTY CONTENT. Accordingly, we encourage you to be aware when you leave the Multify Website and to read the terms and conditions and privacy policy of every other Website that you visit. Users use such Third Party Content at their own risk.

Use of Links

The Website may permit you to link to other Websites or resources on the Internet, and other Websites or resources may contain links to the Website. When you access third party Websites, you do so at your own risk. These other Websites are not under Multify’s control, and you acknowledge that Multify 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 Multify or any association with its operators. You further acknowledge and agree that Multify 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 Websites may be different from those applicable to your use of the Multify Website and Service.

Account Termination

Multify reserves the right – without cause or notice to you – to terminate or suspend your access to some or all of the Website, effectively immediately, if you engage in activities that we conclude, in our discretion, breach these Terms of Service, our Privacy Policy or any Published Information. Users should also understand that the Terms of Service and Privacy Policy are based in many instances on principles of state and federal law. Users who violate these Terms and our Privacy Policy may be exposed under these state and federal laws to criminal charges, and civil liability to harmed parties for compensatory damages, attorney’s fees, and other sanctions. Multify reserves the right at all times to disclose information it deems necessary to satisfy any applicable law, regulation, legal process, or governmental request.

Multify reserves the right to decide whether User Content violates these Terms of Service for reasons other than copyright infringement, such as, but not limited to, pornography, obscenity, or excessive length. Multify may at any time, without prior notice and in its sole discretion, remove such User Content and/or terminate or suspend a user’s account for submitting such material in violation of these Terms, our Privacy Policy or any Published Information. Additionally, if Multify determines, in our discretion, that it is necessary, we will disable or take other related action concerning accounts that in our view are using excessive bandwidth or other system resources. Upon any termination or expiration of your account and/or your access to the Website or Service, whether by you or Multify, Multify may remove and discard all or any part of any User Content uploaded by you and such User Content may no longer be accessible by you. Multify will have no obligation to maintain any such information in its databases or to forward any such information to you or any third party.

Account termination 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 contacting Multify customer service at info@multify.co or by deleting your account and discontinuing your use of the Website and Service. Any fees paid to the Company are non-refundable, unless otherwise specified and you shall remain obligated to pay all outstanding charges, if any, relating to your use of the Website or Service incurred prior to such termination. All provisions of these Terms that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Modification of Agreement

Multify reserves the right, in its sole and absolute discretion and without any prior notice to you, to modify, correct or replace any of the terms of this Agreement, or change, suspend, or discontinue the Service (including without limitation, the availability of any feature, database or content) at any time. Such modification shall become a part of this Agreement and is automatically effective once posted on the Website. This Agreement may not be orally amended. Multify may also impose limits on certain features and services or restrict your access to all or a part of the Service without notice or liability. It is your responsibility to check these Terms periodically for changes. Your continued use of the Service following the posting of any changes to the Terms of Service constitutes your acceptance of those changes.

Fees and Payments

Multify may, now or in the future, charge fees for the use of the Service or certain features thereof. You agree to pay to Multify all applicable fees for the services purchased on or through the Website or Service under your account at the then-current rates for such services (including any applicable taxes). Service fees will be billed at the time you purchase any applicable services. Unless otherwise communicated to you by Multify in writing, all fees and charges are nonrefundable. Multify may change the fees for the use of the Service, or any service or feature provided thereon, or add new fees or charges, at any time. For any change in fees for services purchased under your account, Multify will send you a notice of such change in advance of such change (via email or a message posted on the Website).

Multify will bill all applicable charges through the payment method specified in your account (e.g. a credit card or electronic funds transfer). If you pay any applicable fees with a credit card, Multify may seek pre-authorization of your credit card account prior to your purchase to verify that the credit card is valid and has the necessary funds or credit available to cover your purchase. You authorize such credit card account to pay any amounts described herein, and authorize Multify to charge all sums described herein to such credit card account. You agree to provide Multify updated information regarding your credit card and account upon Multify’s request and any time the earlier provided information is no longer valid.

Warranty Disclaimer

YOU AGREE THAT YOUR USE OF THE WEBSITE AND SERVICE AND ANY CONTENT, PRODUCTS, SERVICES, OR FEATURES MADE IN CONJUNCTION WITH OR THROUGH THE SERVICE SHALL BE AT YOUR SOLE RISK AND UNLESS OTHERWISE EXPRESSLY STATED BY MULTIFY, ARE PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE FULLEST EXTENT PERMITTED BY LAW, MULTIFY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICE AND YOUR USE THEREOF, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COMPLIANCE WITH UNITED STATES FEDERAL AND STATE SECURITIES OR BLUE SKY LAWS OR REGULATIONS, SECURITIES EXCHANGE OR SELF-REGULATORY ORGANIZATION’S RULES OR REGULATIONS, AND EQUIVALENT LAWS OR REGULATIONS IN FOREIGN JURISDICTIONS, CORRECTNESS, ACCURACY AND RELIABILITY. MULTIFY HAS NO CONTROL OVER AND NO DUTY TO TAKE ANY ACTION REGARDING AND MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THIS WEBSITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THIS WEBSITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY:

ERRORS, MISTAKES, OR INACCURACIES OF CONTENT,
PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES,
ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN,
ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICE,
ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY, AND/OR
ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICE.

MULTIFY DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICE OR ANY HYPERLINKED SERVICES AND MULTIFY WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. MULTIFY AND ITS AFFILIATES HAVE NO SPECIAL RELATIONSHIP WITH OR FIDUCIARY DUTY TO YOU AND WITHOUT LIMITING THE FOREGOING, MAKE NO REPRESENTATION OR WARRANTY WITH RESPECT TO THE MERITS AND RISKS OF ANY INVESTMENTS MADE BY USING OR THROUGH THE SERVICE. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. MULTIFY IS NOT RESPONSIBLE FOR VERIFYING THAT ANY INVESTOR OR USER IS AN ACCREDITED INVESTOR BEYOND REVIEWING INFORMATION SUBMITTED DIRECTLY TO MULTIFY. MULTIFY DOES NOT RECOMMEND ANY INVESTMENT OPPORTUNITIES SPECIFICALLY TO OR FOR ANY USER OR ENDORSE THEIR SUITABILITY FOR INVESTMENT BY ANY SPECIFIC USER. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Limitation of Liability

IN NO EVENT SHALL MULTIFY, ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, SUPPLIERS, CONTENT PROVIDERS OR AGENTS, BE LIABLE TO YOU UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY:

LOST PROFITS, DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES (HOWEVER ARISING);
ERRORS, MISTAKES, OR INACCURACIES OF CONTENT;
OFFENSIVE, INDECENT, OR OBJECTIONABLE CONTENT FROM A VARIETY OF SOURCES TO WHICH YOU ARE EXPOSED BY USING OUR SERVICE. MULTIFY IS NOT RESPONSIBLE FOR THE ACCURACY, USEFULNESS, SAFETY, OR INTELLECTUAL PROPERTY RIGHTS OF OR RELATING TO SUCH CONTENT;
DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY;
PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES;
UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN;
LOSSES CAUSED BY ANY UNAUTHORIZED USE OF YOUR ACCOUNT. YOU MAY BE LIABLE FOR THE LOSSES OF MULTIFY OR OTHERS DUE TO SUCH UNAUTHORIZED USE;
INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICES, ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY, AND/OR ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. THIS LIMITATION OF LIABILITY ALSO APPLIES WITH RESPECT TO DAMAGES INCURRED BY YOU BY REASON OF ANY PRODUCTS OR SERVICES SOLD OR PROVIDED ON ANY LINKED WEBSITES OR OTHERWISE BY THIRD PARTIES OTHER THAN MULTIFY AND RECEIVED THROUGH THE SERVICES OR ANY LINKED WEBSITES.

IN NO EVENT WILL MULTIFY’S OR ITS AFFILIATES’, CONTRACTORS’, EMPLOYEES’, AGENTS’, OR THIRD-PARTY PARTNERS’ OR SUPPLIERS’ LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR USE OF THE SERVICE OR YOUR INTERACTION WITH OTHER USERS (WHETHER IN CONTRACT, TORT INCLUDING NEGLIGENCE, STRICT LIABILITY, WARRANTY, OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ANY ACCESS TOOR USE OF the SERVICE OR ANY PART THEREOF, OR ONE HUNDRED DOLLARS, WHICHEVER IS GREATER. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, MULTIFY’S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify and hold harmless Multify, its affiliates, officers, directors, employees, contractors, suppliers, representatives and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debts, and expenses (including but not limited to attorney’s fees) arising from or relating to: (i) your use or misuse of and access to the Website, Service, or any content thereon; (ii) your violation of any term of this Agreement, Multify’s Privacy Policy, or any Published Information; (iii) infringement by you or any third party using your account of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that your User Content caused damage to a third party.

This defense and indemnification obligation will survive this Agreement and your use of the Service. Multify 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 the Company in asserting any available defenses.

International Use

Accessing the Service is prohibited from territories where the Website, Service or any content thereon is illegal. If you access the Service from other locations, you do so at your own initiative and are responsible for compliance with local laws.

Governing Law; Arbitration

This Agreement (and any further rules, policies, or guidelines incorporated by reference) shall be governed by and construed and enforced in accordance with the laws of the state of Delaware as they apply to agreements entered into and to be performed entirely within Delaware between Delaware residents, without giving effect to any principles of conflicts of law, and without application of the Uniform Computer Information Transaction Act or the United Nations Convention of Controls for International Sale of Goods. By your agreement to the Terms and your use of the Multify’s Service, you agree to submit to personal jurisdiction in Delaware and New York for all purposes, and you agree to waive, to the maximum extent permitted by law, any right to a trial by jury for any matter.

The arbitration will be conducted in the English language before a single arbitrator in New York. Such arbitration must be commenced within one (1) year after the claim or cause of action arises. Judgment on any award entered by the arbitrator may be entered in any court having jurisdiction thereof. Notwithstanding the foregoing, either Multify or you may apply to any court of competent jurisdiction for injunctive relief without breach of this arbitration provision.

Any cause of action arising out of or related to the Service, and all products and services offered via the Multify Website or Service must commence within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred. You acknowledge and agree that you may bring claims against Multify only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

Electronic Delivery and Notice Policy

By using the Service, you consent to receive from Multify, or any of its affiliates, officers, directors, partners, agents, or employees, all communications, including notices, agreements, legally required disclosures, or other information in connection with the Service or investment offerings made available to you via the Service (collectively, “Notice Information”) electronically. Multify may provide the electronic Notice Information by posting them on the Website or sending the Notice Information to the email address you provided to Multify during the account registration process. If you desire to withdraw your consent to receive Notice Information electronically, you must discontinue your use of the Service. Except as explicitly stated otherwise, legal notices will be served, with respect to Multify and the Website or Service, to info@multify.co.

These Terms of Service, together with the Privacy Policy, Published Information, and any other legal notices published by Multify on the Website, shall constitute the entire agreement between you and Multify concerning the Service and supersedes all prior or contemporaneous communications, agreements and understandings between Multify and you with respect to the subject matter hereof. To the extent these Terms of Service conflict with the terms of our Privacy Policy and the Published Information, these Terms will control. These Terms of Service shall not be assignable by you, either in whole or in part. Multify reserves the right to assign its rights and obligations under these Terms without restriction. The failure of Multify to enforce any right or provision of these Terms of Service will not constitute a waiver of future enforcement of that right or provision. The waiver of such right or provision may only become effective upon written agreement signed by a duly authorized representative of Multify. The section titles in this Agreement and the Privacy Policy are for convenience only and have no legal or contractual effect. If for any reason any provision of these Terms, or a portion thereof, shall be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect. If any provision of the Terms shall be unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from the Terms and will not affect the validity and enforceability of any remaining provisions. A printed version of these Terms shall be admissible in judicial or administrative proceedings.

Governing Law; Arbitration

These Terms of Service, together with the Privacy Policy, Published Information, and any other legal notices published by Multify on the Website, shall constitute the entire agreement between you and Multify concerning the Service and supersedes all prior or contemporaneous communications, agreements and understandings between Multify and you with respect to the subject matter hereof. To the extent these Terms of Service conflict with the terms of our Privacy Policy and the Published Information, these Terms will control. These Terms of Service shall not be assignable by you, either in whole or in part. Multify reserves the right to assign its rights and obligations under these Terms without restriction. The failure of Multify to enforce any right or provision of these Terms of Service will not constitute a waiver of future enforcement of that right or provision. The waiver of such right or provision may only become effective upon written agreement signed by a duly authorized representative of Multify. The section titles in this Agreement and the Privacy Policy are for convenience only and have no legal or contractual effect. If for any reason any provision of these Terms, or a portion thereof, shall be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect. If any provision of the Terms shall be unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from the Terms and will not affect the validity and enforceability of any remaining provisions. A printed version of these Terms shall be admissible in judicial or administrative proceedings.