terms of service
These Terms of Service (“Terms”) are an agreement between you (“you”) and Buttercore Inc. (“Company”, “we”, “us” or “our”) that allows you to use our software, subscriptions, applications (“apps”), websites and other products and services, as long as you follow the Terms.
By accessing or using any of our websites, content, mobile applications (“apps”), tools, widgets, subscription products or services, software, API(s), browser plugins or extensions, widgets, and/or other product(s), service(s), data, or information supplied to you by the Company (collectively, as applicable, the "Services
"), you signify your agreement to (1) all terms and conditions in these Terms, (2) our privacy policy located on our website (
Privacy Policy”), and (3) any other standard policies or community guidelines, if any, posted in our Services, which are all expressly incorporated herein and must also be observed and followed (clauses (1) through (3) collectively, the “Agreement”).

By accessing or using any Services, including without limitation by downloading, installing or using any associated software, APIs, plugins or apps supplied by the Company, including any for which the purpose is to enable you to use the Services (collectively, the "Software", which is considered a part of the Services), you agree to the terms of this Agreement. Any reference to the “website(s)”, the “web site(s)”, the “site”, “www.nate.tech”, or other similar references, shall include any and all pages, subdomains, affiliated domains, brands, products or other areas of our website, or any other affiliated sites or domains owned or operated by or on behalf of us, plus any of the online content, information and services as made available in or through the website. The Services include without limitation all aspects of the website, or of any app or other product or service, including but not limited to all products, Software and other applications, features, channels and services offered therein. Any reference to “content” shall include all content in all forms or mediums, such as (without limitation) text, software, scripts, graphics, photos, sounds, music, videos, audiovisual combinations, interactive features and other materials you may view on, access through, or contribute to the Services.

You may need to register with us to access and use some of our Services. You must not initiate or participate in any activities on our Services that are illegal, harmful, or interfere with anyone's use of our Services, including without limitation.

You must be at least 18 years of age, and, where law requires an older legal age, of legal age for contractual consent or older to use this website and/or the other Services. Due to the age restrictions, no content or information from the Services falls within the Child Online Privacy Protection Act (“COPA”) and is not monitored as doing so. All information and services are exchanged electronically, via the internet.  You are responsible for maintaining your own access to the internet and for obtaining and maintaining any equipment and ancillary services needed to connect to, access or otherwise use the Services, including, without limitation, modems, hardware, servers, software, operating systems, networking, web servers and the like (collectively, “Equipment”). You shall also be responsible for maintaining the security of the Equipment. You consent to receiving communications electronically. Company is a privately owned and operated company and does not represent or speak for any governmental office or authority. You may acquire additional products, services and/or content of ours from our websites or Services. We reserve the right to require that you agree to separate agreements as a condition of your use and/or purchase of such additional products, services and/or content, which terms will apply in addition to these Terms.

i. description of services
The Service includes, among other things, a search, directory, and purchase platform for enabling the connection between individuals seeking to obtain certain third party products and services (“Third Party Products”) from certain individuals or companies (“Third Party Product Providers”) seeking to provide Third Party Products to consumers or other end users, and we merely help facilitate that independent, third party transaction.

The Company is merely a facilitator, and does not make the Third Party Products, and therefore does not guarantee or warrant, and makes no representations regarding, any Third Party Products and/or Third Party Product Providers, including without limitation regarding the reliability, quality, safety, cost, appropriateness, or suitability thereof, nor that the applicable Third Party Product Provider has the rights to sell such applicable Third Party Products to you. You agree to hold the Company free from any responsibility, liability or damage, that might arise out of the purchase or use of any Third Party Products and the transactions involved in such purchase.

We may be acting as your agent, making transactions on your behalf. In such case, you are responsible for such transactions. We will endeavor to work within the scope of your authority. We reserve the right to charge transaction fees and/or service charges for providing this Service, and you agree to pay them. We may also pass through any costs or expenses we incur during any transaction(s) made on your behalf (in some cases, with reasonable markup). We will do our best to disclose these fees. These may include without limitation fees from payment providers, credit card companies, middlemen, etc.

We reserve the right to open accounts, whether in our name or in your name, in our discretion as reasonably necessary or helpful to perform the Services and transactions for you, such as, for example, opening one time use debit accounts or other one time use disposable accounts to use for your transactions, in an effort to make your transactions more secure and/or more private.

For certain transactions, we may not know the final price of the applicable Third Party Product to be charged to you by the Third Party Product Provider, including, e.g., all taxes and shipping costs, and all transaction fees and service charges, etc., until after you have agreed to purchase and/or consummated the purchase. You consent and agree to this and remain responsible for your purchase instructions even if and when the final price so differs.
Although you are buying from the Third Party Product Provider (subject only to any warranties they offer, if any), we may be listed as the ‘merchant of record’ on your credit card statement; you expressly acknowledge and agree that does not negate any of the provisions herein, including without limitation that the Third Party Product Provider, and not us, is liable for any problems or issues with, and/or any disputes over, the Third Party Products, including without limitation, warranty issues, failure to deliver, delays in delivery, damage during delivery, etc.
If and when  you click to share or use the Service, you are consenting to allow us to perform the requested actions, including without limitation, as applicable, consenting to allow us to access your camera, your photos, your browser, your social media accounts, and other locations from which you initiate transactions, your other relevant accounts and subscriptions, and any content, metadata, or images therein or associated therewith, to perform the Services. You are responsible for following any and all applicable rules of any such third parties.

We reserve the right to determine, in our discretion, how the Service determines which Third Party Product Provider to use once you have selected a Third Party Product to buy. We may offer you options, such as, without limitation, prioritizing vendors you have used before, fastest to ship, lowest cost, or other parameters.

We reserve the right to update our Services at any time in our sole discretion.

Neither the company nor its affiliates or licensors is responsible for the conduct, whether online or offline, of any user of the service or third party products nor any third party service providers. The company and its affiliates and licensors will not be liable for any claim, injury or damage arising in connection with your use of the service or the third party products.it is up to the third party service provider to offer their third party products. The company offers information and a method to obtain such third party products from third party service providers, but does not, and does not intend to, provide third party products or act in any way as a third party service provider, and has no responsibility or liability for any third party products provided by (or failed to be provided by), nor for the actions or inactions of, any third party service providers.  Any individuals who provide any third party products are not employees nor contractors of company but rather of third party service providers, and company is not responsible for their actions or inactions.

ii. passwords and access
In order to access some features of the Services, you may have to register or create an account. You may never use another's account without permission. When creating your account, you must provide accurate and complete information. Registration or subscription to the Services and payment of any applicable fee, authorizes a single individual to use the Services unless otherwise expressly stated.  You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You must notify Company immediately of any breach of security or unauthorized use of your account. Although Company will not be liable for your losses caused by any unauthorized use of your account, you may be liable for the losses of Company or others due to such unauthorized use. It is a condition of your use of the Services that all the information you provide will be correct, current, and complete; If we believe the information you provide is not correct, current, or complete, we have the right to refuse you access to the Services or any of its resources, and to terminate or suspend your access at any time, without notice.

You shall not download any content, software or services unless you see a “download” or similar link displayed by Company on the Services for that content. You shall not copy, reproduce, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any content for any other purposes without the prior written consent of Company or the respective licensors of the content. Company and its licensors reserve all rights not expressly granted in and to the Services and their content.

You agree not to circumvent, disable or otherwise interfere with security-related features of the Services or features that prevent or restrict use or copying of any content or enforce limitations on use of the Services or the content therein.

iii. your obligations
You represent and warrant that all information that you provide to us will be true, accurate, complete and current, and that you have the right to provide such information to us in connection with your use of the Services.  You must comply with the terms of any applicable policies posted in our Services, including any Acceptable Use Policy.

You may not:

1. restrict or inhibit any other user from using and enjoying the Services;
2. post or transmit any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, vulgar, sexually-orientated, profane, threatening, abusive, hateful, offensive, false, misleading, derogatory, or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, state, national or foreign law, including without limitation the U.S. export control laws and regulations;
3. post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication (except as otherwise expressly permitted by Company) or engage in spamming or flooding;
4. post or transmit any information or software which contains a virus, Trojan horse, worm or other harmful component;
5. upload, post, publish, reproduce, transmit or distribute in any way any component of the Services itself or derivative works with respect thereto;
6. resell or otherwise exploit for commercial purposes, directly or indirectly, any portion of the Services, or access to them;
7. use email addresses obtained from the Services for solicitation purposes of any kind, directly or indirectly;
8. use data mining, robots or other similar data gathering and extraction tools;
9. access (or attempt to access) this site through any automated means (including use of scripts or web crawlers);
10. make any derivative works based, in whole or in part, on any portion or all of the Services;
11. use i-frames, webpage frames, or any similar framing, to enclose, capture or distribute any part of the Services;
12. mirror or cache or store any pages or portions of the Service;
13. co-brand any portion of the Services;
14. otherwise imply any relationship with or endorsement of your brands or services;
15. use a false email address, impersonate any person or entity, forge e-mail headers or otherwise disguise the origin of any communication or mislead as to the source of the information you provide to the Services;
16. portray Company or any company affiliated with it in a negative manner or otherwise portray its Services in a false, misleading, derogatory or offensive manner;
17. use the Services in any manner that could damage, disable, overburden, or impair our servers or interfere with any other party's use and enjoyment of the Services;
18. attempt to gain unauthorized access to any services or information to which you have not been granted access through password mining or any other process;
19. post or transmit any photograph or likeness of another person without that person's consent, if and to the extent necessary under applicable laws;
20. post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained through the Services for commercial purposes (other than as expressly permitted by the Services and by the provider of such information, software or other material); or
21. upload, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through the Services which is protected by copyright, or other proprietary right, or derivative works with respect thereto, without obtaining permission of the copyright owner or rightsholder, or which otherwise violates or infringes the rights of others, including without limitation, patent, trademark, trade secret, copyright, publicity, or other proprietary rights.

Company has no obligation to monitor the Services. However, you acknowledge and agree that Company has the right to monitor the Services electronically from time to time, and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Services properly, or to protect itself or its customers.   Company reserves the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate or in violation of this Agreement.

With respect to any Software, including without limitation subscription software as a service, subject to the terms and conditions of this Agreement, we hereby grant to you a limited, nonexclusive, non-transferable license to access and use such Software during the term of this Agreement, solely by the number of authorized users, and only up to the approved and mutually agreed usage volumes, as set forth on the applicable ordering document or as otherwise mutually agreed, and solely for internal and non-commercial purposes, provided that you shall also comply at all times with all official documentation, technical manuals, functional manuals, operator and user guides and manuals.

You shall not, and shall not attempt to (and shall not authorize or allow any third party to or attempt to): (a) download or otherwise obtain a copy of the Service (as applicable as such term is used herein, including any portion thereof) in any form; (b) reverse engineer, reverse compile, decompile, disassemble, or translate, exploit, or otherwise derive the source code of the Service or otherwise modify, the Service, or create any derivative works thereof; or (c) use the Service on behalf of any third party or for any purpose other than as described in this Agreement; (d) sell, resell, lease, license, sublicense, distribute, reproduce, copy, duplicate, or otherwise transfer or exploit the Service or use it as a service bureau; (e) post, send, process or store infringing, obscene, threatening, libelous, or otherwise unlawful or tortuous material, including material violating of third party rights; (f) post, send, process or store material containing software viruses, worms, Trojan horses or other harmful or malicious computer code, files, scripts, agents or programs; (g) interfere with or disrupt the integrity or performance of the Service or attempt to gain unauthorized access to the Service or related systems or networks; (h) remove, alter or obscure any titles, product logo or brand name, trademarks, copyright notices, proprietary notices or other indications of the intellectual property rights and/or our rights and ownership thereof, whether such notice or indications are affixed on, contained in or otherwise connected to the software or on any copies made in accordance with this Agreement; (i) remove, alter or obscure any titles, product logo or brand name, trademarks, copyright notices, proprietary notices or other indications of the intellectual property rights and/or our rights and ownership thereof, whether such notice or indications are affixed on, contained in or otherwise connected to the Service, or documentation, or on any copies made in accordance with this Agreement; (j) use, or authorize or permit the use of, the Service except as expressly permitted herein; (k) use the Service to perform any activity which is or may be, directly or indirectly, unlawful, harmful, threatening, abusive, harassing, tortuous, or defamatory, nor to perform any activity which breaches the rights of any third party. The Service may be used only by you (i) for your internal business purposes and only for your direct benefit; (ii) only by the number of persons for whom a license fee has been paid, and all such use may only be by those persons using the Service for the benefit of you in the course and scope of their employment, subject to the terms hereof; (iii) only in its original form without alteration or combination with other products, services or software except as expressly authorized in any applicable documentation; and (iv) in compliance with all applicable laws and in compliance with all documentation and instructions provided by us. You agree not to copy, duplicate or imitate, in whole or in part, any concept, idea, business model, business process, product, service or other intellectual property or other ideas or content embodied in the Services or learned by you from your use of or access to the Services.  You agree not to use the Services to violate any local, state, national or international law or to impersonate any person or entity, or otherwise misrepresent your identity or your affiliation with a person or entity. Materials you post to the Services may not contain URLs or links to websites that compete with the Services nor other competitive content or references.

We grant to you a limited, revocable, and nonexclusive right to create a hyperlink to our publicly available website(s), subject to the terms hereof, provided that the link does not portray us or our products or services in a false, misleading, derogatory, or offensive matter, and provided you do not i-frame them or alter the content therein or in any way imply a relationship therewith. You may not use any logo, trademark, or tradename that may be displayed on this site or other proprietary graphic image in the link without our prior written consent.

You will keep and protect any of our Confidential Information as confidential, using at least the same efforts you use to protect your own confidential information and in no event less than reasonable and industry standard efforts.  Our “Confidential Information” includes the Services, documentation and information about the Services and their operation, and any other information you obtain from or about us or from or about the Services, or any other information which a reasonable person would or should understand to be confidential or proprietary in nature.  You agree to return or destroy our Confidential Information when this Agreement is over. You acknowledge and agree we shall be entitled to seek equitable relief in any court of competent jurisdiction without the necessity of posting bond and in addition to such other remedies as may be available under law or in equity.  Your confidentiality obligations shall survive termination or expiration of this Agreement.

While this Section highlights some of your key obligations, headers and section titles are for convenience only, and you are bound by all the terms of this Agreement.

iv. public postings and licensed materials
We will use reasonable efforts to protect the confidentiality of certain personally identifiable information you submit to us (e.g., your address and credit card information submitted by you initially for the purpose subscribing to the Service) (“Personally Identifiable Information”), in accordance with the Privacy Policy posted on our website.

Certain material you may post on our Services is or may be available to the public, including without limitation any public profile data, feedback, questions, comments, suggestions, uploads, blog entries, ratings, reviews, images, videos, poll answers, etc., in any form or media, that you post via the Services or otherwise (collectively, "Public Postings").  These Public Postings will be treated as non-confidential and nonproprietary.  You are responsible for any Public Postings and the consequences of sharing or publishing such content with others or the general public. This includes, for example, any personal information, such as your address, the address of others, or your current location. WE ARE NOT RESPONSIBLE FOR THE CONSEQUENCES OF PUBLICLY SHARING OR POSTING ANY PERSONAL OR OTHER INFORMATION ON THE SERVICES.

Other content or communications you transmit to us, including without limitation any feedback, data, questions, comments, suggestions, in any form or media, that you submit to us via e-mail, the Services or otherwise (to the extent excluding any Personally Identifiable Information, collectively, "Submissions"), will be treated as non-confidential and nonproprietary.

By providing any Public Posting or Submission, you (i) grant to Company a royalty-free, non-exclusive, perpetual, irrevocable, sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works (including products) from, distribute, and display such content throughout the world in all media and you license to us all patent, trademark, trade secret, copyright or other proprietary rights in and to such content for publication on the Services pursuant to this Agreement; (ii) agree that we shall be free to use any ideas, concepts or techniques embodied therein for any purpose whatsoever, including, but not limited to, developing and marketing products or services incorporating such ideas, concepts, or techniques, without attribution, without any liability or obligation to you; (iii) grant to Company the right to use the name that you submit in connection with such content. In addition, you hereby waive all moral rights you may have in any Public Posting or Submissions.

You shall be solely responsible for your own content and any Public Postings and Submissions. You affirm, represent, and warrant that you own or have the necessary licenses, rights, consents, and permissions to publish content you post or submit.  You further agree that content you submit via Public Postings or Submissions will not contain third party copyrighted material, or material that is subject to other third party proprietary rights, unless you have permission from the rightful owner of the material or you are otherwise legally entitled to post the material and to grant us all of the license rights granted herein.  You further agree that you will not submit to the Services any content or other material that is contrary to any posted “community guidelines” or similarly titled document, if any, which may be updated from time to time, or contrary to applicable local, national, and international laws and regulations.

We do not endorse any content submitted to the Services by any user or other licensor, or any opinion, recommendation, or advice expressed therein, and we expressly disclaim any and all liability in connection with content. We do not permit copyright infringing activities and infringement of intellectual property rights on the Services, and we will remove all content if properly notified that such content infringes on another's intellectual property rights as set forth herein below. We reserve the right to remove content without prior notice.  We reserve the right to decide whether your content violates this Agreement for reasons other than copyright infringement, such as, but not limited to, pornography, obscenity, or excessive length. We may at any time, without prior notice and in our sole discretion, remove such content and/or terminate a user's account or otherwise block access for submitting such material in violation of this Agreement.

We are not responsible for end user error or errors in inputs or for errors in any user supplied data.  We do not independently verify the truthfulness or accuracy of any data or content input into the Services and are not responsible for the fraud, misrepresentation, negligence or misconduct of any end user or other third party.

Neither party shall issue or release any announcement, statement, press release or other publicity or marketing materials relating to this Agreement or otherwise use the other party’s trademarks, service marks, trade names, logos, domain names or other indicia of source, affiliation or sponsorship, in each case, without the prior written consent of the other party, which consent shall not be unreasonably withheld, conditioned or delayed, provided, however, that we may, without your consent, include your name and/or other indicia in our lists of  current or former customers in promotional and marketing materials. Additionally, upon your consent, we may prepare a case study relating to your access and use of the Services, including but not limited to one or more testimonials from you or your users, aggregated data of the results of your use of the Services, and other informational material as determined by us. you agree to provide reasonable assistance to us and timely responses in our preparation of said case study.

v. fees and payments
If and to the extent any portion of the Services may require a fee payment or incremental payment or subscription, you agree to pay Company any applicable fees posted for the Services. By completing and submitting any credit card or other payment authorization through the Services, you are authorizing Company to charge the fees to the account you identify. You must keep all billing information, including payment method, up to date. You agree to pay us for all charges incurred under your account, including all applicable taxes, fees, and surcharges. You authorize and direct us to charge your designated payment method for these charges or, if your designated payment method fails, to charge any other payment method you have on file with us. Further, you authorize and direct us to retain information about the payment method(s) associated with your account. If we do not receive payment from your designated payment method or any other payment method on file, you agree to pay all amounts due upon demand by us.  You will be responsible for accrued but unpaid charges, even if your account is canceled by you or terminated by us.  During any free trial or other promotion, if any, you will still be responsible for any purchases and surcharges incurred using your account.

You are liable for any fees, including attorney and collection fees, incurred by us in our efforts to collect any remaining balances from you. Except as otherwise mutually agreed in writing, we reserve the right to change our fees with 30 days’ notice.You are responsible for all charges incurred under your account, including applicable taxes, fees, surcharges, and purchases made by you or anyone you allow to use your account (including your children, family, friends, or any other person with implied, actual, or apparent authority) or anyone who gains access to your account as a result of your failure to safeguard your username, password, or other authentication credentials or information.

v.i fees and charges associated with the services
v.i.i service fee: Every purchase you make with the Services will be subject to a Service Fee. The Service Fee is used to keep your personal data private and maintain nate’s services necessary to process your Service transactions. For standard purchases, the Service Fee will be charged to your chosen payment method on the date of the nate purchase. For Pay Later purchases, the Service fee will be divided into four virtually equal installments, each added to one of the four installments. For Pay Later transactions, the additional nate Pay Later Terms and Conditions apply (https://www.nate.tech/paylater-terms)

v.i.ii reactivation fees: If for any reason nate is unable to collect payment from you,and such payment is not completed within three (3) days of the initial payment, YOUR USE OF THE NATE PURCHASING FUNCTIONALITY WILL BE SUSPENDED ENTIRELY. You will not be able to make any purchases with nate until you pay back the outstanding installment and the Reactivation fee described below.Should you want to Reactivate your account, you may be subject to a reactivation fee of currently $10 (“Reactivation Fee”). We reserve the right to change this fee. If a grace period of an additional 3 days has elapsed, nate reserves the right to charge another payment method you have on file for the full amount outstanding, as well as the Reactivation Fee. If this payment is successful and we are able to collect both the outstanding installment and the Reactivation Fee, you will be able to continue purchasing with nate. If this is unsuccessful, your account will remain deactivated until we are able to collect the Reactivation Fee. This Reactivation Fee applies to ALL purchases made on nate via any payment method, and you are still liable for any pending payments while your account is deactivated.

v.i.iii your responsibilities for sufficient funds: You are responsible for ensuring that your chosen payment method is in good standing and has sufficient available funds to pay for your Service purchases and the Service Fee at the time of the nate purchase and, for Pay Later transactions, on each applicable installment payment date (“Sufficient Funds”). If your payment method is not in good standing or does not have Sufficient Funds at the time of the purchase transaction, your purchase transaction may be declined or reversed.
If you fail to make a payment when due under this Agreement, your nate Services account will be deactivated, and you will not be able to make any purchases with the Services until such time that the amount due and the Reactivation Fee is paid in full. In addition, if your payment method is not in good standing or does not have Sufficient Funds at the time of the purchase via the Services but we process it anyway, your bank may charge you fees for overdrawing your Card or your designated bank account for direct debit (“Account”). If you overdraw your Card or Account, that may also result in your breaching the terms of your applicable agreement with the card issuer and/or bank and may impact your credit rating.

vi. nate account management
account deactivation:
If nate is unable to collect payment from you for any purchase with any payment method, your nate account will be deactivated after a 3 day grace period. This means that you can no longer make any purchases with your nate account with any payment method (i.e. Bank, Card, or Pay Later). All other product features will be available for your use. During that grace period, we may retry the charge with your original payment method, or you may inform us that we can use a different payment method you have on file. Following the 3 day grace period, nate reserves the right to attempt to retry your payment with any payment method you have on file for the outstanding balance as well as the Reactivation Fee. Your account will remain deactivated until you pay any outstanding balance as well as the Reactivation Fee as described in the “Fees” section of these Terms. While your account is deactivated, you are still obligated to make payments for any outstanding purchases and Pay Later plans.

account reactivation: If we are successful in collecting the outstanding payment and the Reactivation fee, your account will be automatically Reactivated and you can continue purchasing with nate. You only need to pay the Reactivation fee if you decide you would like to reactivate your nate account. However you are still obligated to pay for any outstanding balances for standard purchases or Pay Later Installments (past due and scheduled).

vii. warranties and limitations of warranties
If you are not completely satisfied with the Services, your sole remedy is to cease using the Services.  With respect to any fee-based Services, if you signed up for designated term or timeframe, you will still be responsible for payment for the full term.  If you did not subscribe for any minimum period, then you may cancel at any time on 30 days advanced notice, and cease to use the Services, then you will not be charged any additional amounts after the effective date of such termination.  In any case, you will be responsible for any and all charges and activity accrued prior to your Services termination date, and those obligations will survive your termination of the Services. Company undertakes commercially reasonable efforts to ensure that the information it provides is current and accurate, however, Company does not warrant the accuracy of information.  Company also undertakes commercially reasonable efforts to protect the confidentiality of any confidential information you provide, in accordance with the Privacy Policy, however, Company does not guaranty the confidentiality of such information against unauthorized third party access or system failure.

The services, the website, and all information, content, and materials related to the foregoing, are provided "as is."  except as expressly stated in this agreement, we disclaim all warranties, express or implied, including, but not limited to, any warranties of merchantability, fitness for a particular purpose, title, non-infringement, non-interference, system integration and accuracy of data.   We do not warrant that use of the services will be uninterrupted, error-free or virus free.  Although information that you submit may be password protected, we do not guarantee the security of any information transmitted to or from the services and you agree to assume the security risk for any information you provide through the services.

viii. limitations of liability

In no event shall we or our affiliates be liable for any indirect, incidental, consequential or special damages, or for loss of profits or damages arising due to business interruption or from loss or inaccuracy of information, including if and to the extent any of the foregoing arises in connection with this agreement or your use or inability to use the services, whether or not such damages were foreseeable and even if we were advised that such damages were likely or possible.  In no event will the aggregate liability of us to you for any and all claims arising in connection with this agreement or the services, exceed the total fees paid to us by you, if any, during the six-month period preceding the date of any claim (or $10 if the services are free). You acknowledge that this limitation of liability is an essential term between you and us relating to the provision of the service to you and we would not provide the service to you without this limitation.

You agree to indemnify, defend and hold harmless us and our affiliated companies, and each of our and their respective officers, directors, members, agents, and employees from and against all losses, expenses, damages, claims, judgments, costs, expenses and liabilities, including reasonable attorneys' fees, incurred by us or such parties and/or arising out of or resulting from (1) any actual or alleged violation by you of this agreement (including any representation or warranty herein); (2) any activity related to your account by you or any other person accessing the service with your password; (3) your use of and access to the services; (4) your actual or alleged violation of any third party right, including without limitation any copyright, property or privacy right; (5) your actual or alleged violation of any law, rule or regulation; and/or (6) your content or data, including if it causes any damage to a third party. Your defense, indemnification and hold harmless obligations in this agreement will survive this agreement and your use of the services.

You acknowledge that the information on the Website and other Services is provided 'as is' for general information only. If you use the Services to provide any services in any heavily regulated industry, such as, without limitation, medical, legal, tax or financial advice, you are fully responsible for all such services, and represent and warrant that you are appropriately qualified and certified to do so, possessing all necessary licenses and permits to do so. You indemnify us for any failure by you or your agents to do so and/or to follow any applicable laws, rules and regulations. You may use the Services for informational purposes only, as an aid, but only as one information source among many, and not as the sole basis for making any decisions; you must conduct proper due diligence and use your own judgment when making any decisions based on any information, analytics or reports derived from the Services.

We shall not be liable for any circumstances arising out of causes beyond our reasonable control or without our fault or negligence, including, but not limited to, Acts of God, acts of civil or military authority, fires, riots, wars, embargoes, Internet disruptions, hacker attacks, epidemic, pandemic, quarantine, or communications failures, or other force majeure.

If we breach this Agreement, you agree that your exclusive remedy is to recover, from us or any affiliates, resellers, distributors, and vendors, direct damages up to an amount equal to your Services fee for one month (or up to USD$10.00 if the Services are free). You can't recover any other damages or losses, including, without limitation, direct, consequential, lost profits, special, indirect, incidental, or punitive.These limitations and exclusions apply if this remedy doesn't fully compensate you for any losses or fails of its essential purpose or if we knew or should have known about the possibility of the damages. To the maximum extent permitted by law, these limitations and exclusions apply to anything related to this Agreement such as, without limitation, loss of content; any virus affecting your use of the Services; delays or failures in starting or completing transmissions or transactions; claims for breach of contract, warranty, guarantee, or condition; strict liability, negligence, misrepresentation, or omission; trespass, or other tort; violation of statute or regulation; or unjust enrichment. Some or all of these limitations or exclusions may not apply to you if your state, province, or country doesn't allow the exclusion or limitation of incidental, consequential, or other damages.

ix. duration of terms
Once in effect, this Agreement will continue in operation until terminated by either you or us.  However, even after termination, the provisions of sections III through XV of this Agreement will remain in effect in relation to any prior use of the Services by you.   You may terminate this Agreement at any time and for any reason by providing notice to Company in the manner specified in this Agreement or by choosing to cancel your access to the Services using the tools provided for that purpose within the Services.   We may terminate this Agreement without notice or, at our option, temporarily suspend your access to the Services, in the event that you breach this Agreement.  Notwithstanding the foregoing, Company also reserves the right to terminate this Agreement at any time and for any reason by providing notice to you either through email or other reasonable means.   After termination of this Agreement for any reason, you understand and acknowledge that Company will have no further obligation to provide the Services or access thereto.  Upon termination, all licenses and other rights granted to you by this Agreement, if any, will immediately cease, but your licenses to us shall survive, and certain of your obligations (including payment obligations, if any) will survive in accordance with the terms hereof.

x. modification of terms
Company may change the terms of this Agreement from time to time.  You will be notified of any such changes via e-mail (if you have provided a valid email address) and/or by our posting notice of the changes on the Services (which may consist of publishing the changes on our website).  Any such changes will become effective when notice is received or when posted on the Services, whichever first occurs.  If you object to any such changes, your sole recourse will be to terminate this Agreement.  Continued use of the Services following such notice of any such changes will indicate your acknowledgement of such changes and agreement to be bound by such changes.

xi.modification to services
We reserve the right to modify or discontinue the Services at any time with or without notice to you, including without limitation by adding or subtracting features and functionality, third party content, etc.  In the event of such modification or discontinuation of the Services, your sole remedy shall be to terminate this Agreement as set forth herein.  Continued use of the Services following notice of any such changes will indicate your acknowledgement and acceptance of such changes and satisfaction with the Services as so modified.

xii. ownership
We and/or our vendors and suppliers, as applicable, retain all right, title and interest in and to the Services, the website and all information, content, Software, and other software and materials provided by or on behalf of us, including but not limited to all text, images, videos, logos, button icons, audio clips, and the look and feel of the website and our brands and logos, and any data compilations, including without limitation any data input by or on behalf of us or our third party providers, and any data to the extent processed by, or resulting as an output of, the Services, and all Services usage data, statistical data or aggregated data collected or reported with respect to the any part or all of the Services, including without limitation any aggregated and anonymized data extracted or derived from the Service, including all aggregated and anonymized usage data, statistical data, transactional data, metadata, market data and other aggregated and anonymized data collected from user data and files. We own the rights to any metadata we collect from or about your use of the Services. Without limiting the generality of the foregoing, we reserve the right to create and market public indexes, analysis or insights created from such data. You agree that you will not copy, reproduce, distribute or create derivative works from any information, content, software or materials provided by us, or remove any copyright or other proprietary rights notices contained in any such information, content, software or materials without the copyright owner's prior written consent.

Unless otherwise stated, all content in our websites or other Services, is our property or the property of third parties. These contents are protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions and other copyright laws.

Your feedback is welcome and encouraged. You agree, however, that (i) by submitting unsolicited ideas to us, you automatically forfeit your right to any intellectual property rights in such ideas; and (ii) unsolicited ideas submitted to us or any of our employees or representatives automatically become our property.

xiii. international users
The Services are controlled, operated and administered by us from within the United States. We make no representation that this site is available for access or use at other locations outside the U.S. However, any access or use from outside the U.S. is still subject to this Agreement. Access to the Services is expressly prohibited from territories where this site or any portion thereof is illegal. You agree not to access or use any information or materials on the Services in violation of U.S. export laws and regulations, or in violation of any laws or regulations in the country from which you are accessing the Services.  Any personal information which we may collect via the Services may be stored and processed in our servers located in the United States or in any other country in which we, or our affiliates, subsidiaries, or agents maintain facilities. You consent to any such transfer of personal information outside your country of residence to any such location.

xiv. third party content and services
Certain content (including without limitation advertisements) on the Services may be supplied by third parties. Company does not have editorial control over such content. Any opinions, advice, statements, services, offers, or other information that constitutes part of the content expressed or made available by third parties, including without limitation, suppliers and vendors, advertisers, or any customer or user of the Services, are those of the respective authors or distributors and not of Company or its affiliates or any of its officers, directors, employees, or agents. In many instances, the content available on the Services represents the opinions and judgments of the respective third parties, whether or not under contract with Company. You may enter into correspondence with or participate in promotions of such third parties, such as advertisers promoting their products, services or content on this site. Any such correspondence or participation, including the delivery of and the payment for products, services or content, are solely between you and each such third party. Company neither endorses nor is responsible for the accuracy or reliability of any opinion, advice, submission, posting, or statement made on the Services. Under no circumstances shall Company, or its affiliates, or any of their respective officers, directors, employees, or agents, be liable for any loss or damage caused by your reliance on any content or other information obtained through the Services.

The Services may integrate and/or interact with third party services, such as via APIs or browser extensions or social media accounts. For example, the Services may leverage APIs from third parties, and/or rely on third party browser extensions, and Company has no affiliation, association, endorsement, or sponsorship by any other third party services with which it integrates or interacts from time to time (collectively, “Third Party Services”). Company makes no claim, representation or warranty of any kind, type or nature concerning any Third Party Services, nor Company’s or any User’s compliance with any third party terms of service for any such Third Party Services (collectively, “Third Party Terms”). It shall be each User’s sole responsibility to analyze and interpret any applicable Third Party Terms and comply therewith. Each User is solely responsible for their interpretation of Third Party Terms and their actions relevant to compliance thereof. By using the Services, you hereby release Company and waive any and all claims or claim rights that you may have against Company, and release and indemnify Company against any claims that any third party may have against you, including with respect to your use of any Third Party Services, including if accessed or used via our Services, and with respect to Third Party Terms, applicable privacy policies or any other rules or regulations of such third parties.

Without limiting the generality of the foregoing, we may elect, in our discretion, to utilize social logins, allowing you to login to the Services via other third party authentication services, such as (without limitation) your Facebook, Twitter, LinkedIn, Google, or other account credentials. You understand that these are Third Party Services, and this in no way creates and endorsement of, by or from us to them or vice versa, that we are not responsible for their logins, systems or data, and that by using such third party logins, you may be subject to their respective privacy policies and other terms of use.

You understand that when using the Services, you will be exposed to content from a variety of sources, and that we are not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such content. You further understand and acknowledge that you may be exposed to content that is inaccurate, offensive, indecent, or objectionable, and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against us with respect thereto, and, to the extent permitted by applicable law, agree to indemnify and hold harmless Company, its owners, operators, affiliates, licensors, and licensees to the fullest extent allowed by law regarding all matters related to your use of the Services. If you are a Third Party Product Provider, or the provider of Third Party Services, you give us license to use your products, services, content, information, metadata, and any names, marks or logos therein, to facilitate the Services.

As a convenience to you, Company may provide, in or through the Services, one or more links to third party web sites or services and/or provide email contacts respecting third parties. Company makes no endorsement of such third parties, nor any representation or warranty regarding anything that takes place between you and any such third parties, including, without limitation, visits to third party web sites, services, email correspondence with third parties, and business or other transactions with third parties found through the Services. Please understand that such third parties are independent from and not controlled by Company, even if, for example, a Company link or logo appears on a website linked from this website or our other Services. It is up to you to read those third party sites’ applicable terms of use, privacy, and other applicable policies. For example, without limitation, we may outsource operation of certain aspects of our Services to one or more third parties, and they may have access to certain data by virtue of operating such Services, subject to their own policies.

Certain third parties may be third party beneficiaries to this contract. For example, without  limitation, Apple Inc., Google, Inc., or Microsoft Corporation will be a third-party beneficiary to this contract if you access the Services using applications developed for Apple iOS, Android, or Microsoft Windows-powered mobile devices, respectively. These third party beneficiaries are not parties to this contract and are not responsible for the provision or support of the Services in any manner. However, your access to the Services using these devices is subject to terms set forth in the applicable third party beneficiary's terms of service.

nate uses third party services which act on behalf of nate to facilitate transactions related to/between your account with nate, the third party merchant, and your stored payment methods. Payment processing services to collect from you as a user are provided by Stripe Payments Co. nate also uses third party services, including Rapyd, which act on behalf of nate to facilitate transactions related to/between your nate Cash account and your external bank account, which is owned by you.

xv. nate Reward Program
i. Eligibility
To participate in the nate reward program (the “Reward Program”), you will need to register for a user account (“User Account”). You agree that:You are at least the age of legal majority in your place of residence and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in this Agreement, and to abide by and comply with the terms and conditions in this Agreement.  You have downloaded the nate mobile app (the “App”) and have created a User Account.You will create only one (1) User Account. You acknowledge that creating more than one User Account will result in the termination of your User Account(s) and forfeiture of any Rewards (defined below) associated with such User Account(s).You will provide true, accurate and complete information when registering and you will update your information.You will comply with the terms of all Offers (defined below) and not attempt to redeem the same Offer more than once

ii. Reward Program
As a participant in the Reward Program, you may have the option, from time to time, to select offers (each, an “Offer”) that have a Reward value for completing all of the requirements of such Offer. Offers will require that you meet the terms of the specific Offer, which may include completing a specific task, making a purchase from a specific merchant, providing your contact information, and special promotions.  Each Offer will list the requirements that apply to the Offer and you must complete all requirements before you are eligible to receive the Reward for that Offer.Unless otherwise specified, Offers are limited to one (1) Offer per person. We reserve the right to cancel or revoke Rewards if you complete the requirements for the same Offer more than once.For some Offers, the Offer is only available to new users. Please see the requirements of each Offer for details. Offers may be added, removed, modified or otherwise changed or cancelled at any time in our sole discretion.After Rewards have been added to your User Account or your Rewards balance, if we determine or suspect that you have not complied with the Offer terms or other terms applicable to your use of the App or your User Account, we may deduct the Rewards from your User Account or your Rewards balance. We also reserve the right to conclude the Reward Program at any time in our sole discretion, and earned Rewards will not be available beyond that time.

iii. Rewards
Registered users are able to earn and accumulate promotional rewards (“Rewards”) that can be redeemed for available benefits within the App. See App for details. The amount of Rewards earned by each action and the available benefits may change from time to time at our sole discretion without notice.Rewards are promotional, have no cash value and cannot be redeemed for cash. Rewards are personal to you and they cannot be transferred, sold or exchanged.  You have no property interest in the Rewards.  Rewards can only be redeemed for benefits available within the App or towards purchases using the App, in accordance with the terms of a particular Offer or Reward. Rewards cannot be shared or combined across multiple User Accounts, or otherwise assigned or transferred.We may set a maximum daily limit for the number of Rewards that can be accrued, which limit may be modified from time to time in our sole discretion. Once Rewards have been used to redeem a benefit available within the App or make a purchase using the App, they cannot be exchanged, returned, recovered or reinstated.Your Rewards will automatically expire:  (a) in accordance with the terms of the Offer applicable to the Reward (or, if no expiration date is specified in the Offer, then 30 days following the date you received the Reward in your User Account), (b) if you cancel your User Account, or (c) if the Reward Program is terminated. When Rewards expire, they are forfeited and cannot be recovered or reinstated. Sign-up related rewards will expire within 48 hours of account creation. All others are subject to the above terms. We reserve the right to substitute, modify or discontinue the Reward Program, including any features, at any time with or without notice to you. We are not responsible to you or any third party for exercising this right.

iv. Termination of Rewards
Without notice to you, we reserve the right to block or suspend any User Account and/or terminate your User Account and/or your participation in the Reward Program if we determine or suspect, in our sole discretion, that (A) you have violated these Reward Program Terms and Conditions; (B) there is any actual or suspected Prohibited Activity (defined below) by you or in connection with your User Account; or (C) the use of your User Account (by you or someone else) is unauthorized, deceptive, fraudulent or otherwise unlawful. We may, in our sole discretion, block, suspend or cancel User Accounts that appear to be duplicative or otherwise associated with the same person. In the event that your participation in the Reward Program is blocked or terminated, all Rewards in your User Account are void.Without notice to you, we reserve the right to block or suspend any User Account while we review the User Account and investigate suspected Prohibited Activity or other suspicious or potentially abusive behavior. You agree and acknowledge that the determinations of Reward with respect to its review of User Accounts and decisions to block, suspend, cancel or terminate User Accounts and Rewards associated with such accounts are final.Without notice to you, we also reserve the right to "unregister" and make ineligible for redemption any Reward that is associated with any User Account that has been inactive for one (1) month. Inactivity is defined as no User Account activity during such one (1) month period. In the event that your User Account is unregistered or rendered inactive, all Rewards in your User Account are void.

v. Prohibited Activity
You agree not to engage in any of the following “Prohibited Activity”, the violation of which shall be deemed a material breach of this Agreement: Creating multiple User Accounts.Using disposable email addresses that automatically forward messages to an alternate address, or that can automatically visit and open verification links that are sent to them.Generating fraudulent impressions or fraudulent clicks.Device identification manipulation, circumvention of Offer eligibility requirements or User Account falsification. Interference with, disruption, or degradation of our App or related services, including the servers and networks we use (for example, by using repeated manual clicks, bots, scrapers, or other automated tools). Changing or altering device settings or displays to avoid or otherwise circumvent daily limits that apply to an Offer or your use of the App or related services. Using a virtual private network, proxy or any other means to obscure the true source of traffic or your location when using the App or related services. Accessing the App or related services through an emulator of any kind, regardless of the platform on which the emulator is being used.Using a rooted device or any device for which the user has been granted root access or privileged control. Rooted devices are not supported devices and may at any time be blocked from the App or related services.Combining any Offer with any promotion or offer provided by a third party.Fraudulent activity or fraudulent use of the App or related services, which includes actual or suspected fraudulent activity.We may, in our sole discretion, block, suspend and/or terminate your User Account for any actual or suspected Prohibited Activity by you or in connection with a User Account.

xvi. refund policy
If you have an issue with any item received that was purchased using the Service, you should seek proper recourse with the store that fulfilled the order. We are unable to directly accept and process a return or exchange. If you do require a refund from us, you must notify us via either our email or chat support channels within 30 days of the original purchase. We are not obligated to process a refund for anything beyond 30 days of purchase. After verifying a refund is a valid course of action, we will refund your original payment method within 5-10 business days. Note that Pay Later items will also cancel future installments, and items purchased Rewards will be refunded in full to your Rewards Balance.

xvii. digital millennium copyright act
A. If you are a copyright owner or an agent thereof and believe that any content in our Services infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

- A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
- Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
- Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material;
- Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail;
- A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
- A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Company's designated method to receive notifications of claimed infringement is by emailing the Copyright Agent at hi@nate.tech. You acknowledge that if you fail to comply with all of the requirements of this Section your DMCA notice may not be valid.

B.     If you believe that your content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the material in your content, you may send a counter-notice containing the following information to the Copyright Agent:

- Your physical or electronic signature;
- Identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled;
- A statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and
- Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court in New York, and a statement that you will accept service of process from the person who provided notification of the alleged infringement.

If a counter-notice is received by the Copyright Agent, Company may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 or more business days after receipt of the counter-notice, at Company's sole discretion.

xviii. class action waiver and arbitration

This section contains a binding arbitration clause and class action waiver. It affects your rights about how to resolve any dispute with us.

Except if you opt-out as expressly permitted below, or except to the extent contrary to applicable law ("Excluded Disputes"), you hereby agree that all disputes between you and us (whether or not such dispute involves a third party) with regard to your relationship with us, including without limitation disputes related to these Terms of Use, your use of the Service, and/or rights of privacy and/or publicity, may, in our discretion, be resolved by binding, individual arbitration under the American Arbitration Association's rules for arbitration of consumer-related disputes and you hereby expressly waive trial by jury. As an alternative, you may bring your claim in your local "small claims" court, if permitted by that small claims court's rules. You may bring claims only on your own behalf. You agree that you shall not participate in any class action or class-wide arbitration for any claims covered by this Agreement. You also agree not to participate in claims brought in a private attorney general or representative capacity, or consolidated claims involving another person's account, if we are a party to the proceeding. This dispute resolution provision will be governed by the US Federal Arbitration Act, to the extent permissible. In the event the American Arbitration Association is unwilling or unable to set a hearing date within one hundred and sixty (160) days of filing the case, then either we or you can elect to have the arbitration administered instead by the Judicial Arbitration and Mediation Services. Judgment on the award rendered by the arbitrator may be entered in any court having competent jurisdiction. Any provision of applicable law notwithstanding, the arbitrator will not have authority to award damages, remedies or awards that conflict with these Terms of Use.  You may opt out of this agreement to arbitrate. If you do so, neither you nor we can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing within 30 days of the date that you first became subject to this arbitration provision. You may so opt out at hi@nate.tech.

You must include your name and residence address, the email address you use for your account with us, and a clear statement that you want to opt out of this arbitration agreement.  If and to the extent the prohibition against class actions and other claims brought on behalf of third parties contained above is found to be unenforceable, then such preceding language in this Arbitration section will be null and void. This arbitration agreement will survive the termination of your relationship with us.

xix. miscellaneous
You shall comply with all laws, rules and regulations now or hereafter promulgated by any government authority or agency that are applicable to your use of the Services, or the transactions contemplated in this Agreement. You may not assign your rights or obligations hereunder, and any attempt by you to sublicense, assign or transfer any of the rights, duties or obligations hereunder or to exceed the scope of this Agreement is void.  In the event that Company is sold to a third party, such a sale will not be deemed a transfer of personal information so long as that third party agrees to assume Company's obligations as to these Terms of Services and any associated Privacy Policy.  This Agreement, the Services, and the rights and obligations of the parties with respect to the Services will be subject to and construed in accordance with the laws of the State of New York, excluding conflict of law principles. By accessing or using any Services you agree that the statutes and laws of the State of New York, without regard to conflicts of law principles thereof, will apply to all matters arising from or relating to the use thereof. You also agree and hereby submit to the exclusive legal jurisdiction and venues of the Courts of New York, New York with respect to such matters. This is the entire agreement between you and Company with regard to the matters described herein and govern your use of the Services, superseding any prior agreements between you and Company with respect thereto. The failure of Company to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions hereof shall remain in full force and effect.  You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of this Agreement or related to use of the Services must be filed within three (3) months after such claim or cause of action arose or be forever barred.

last updated:  april 26, 2023