CYCLES PAY TERMS OF SERVICE

Last Modified: April 17, 2026

Welcome to Cycles Pay! These Terms of Service (these “Terms”) describe the terms and conditions by which you may access and/or use https://cycles.money/, Cycles Pay, a permissionless blockchain-based self-custodial wallet application for managing stablecoins and digital assets, the companion mobile applications for Apple and/or Google (as each of those terms is defined below) devices (the “Apps”), and any and all related software, documentation, and online, mobile-enabled, and/or digital services (collectively, the “Service”) provided by Cycles (including its successors and assigns, “Cycles,” “we,” “our,” or “us”) for Cycles Pay.

By accessing and/or using the Service, you’re agreeing to these Terms and acknowledging that you have read and understood our Privacy Notice. If you don’t agree to these Terms, you may not use the Service. We reserve the right to modify these Terms, as described below. These Terms apply to all visitors and users of the Service, and to all others who access the Service (collectively, “Users,” and, as applicable to you, “you” or “your”).

PLEASE READ THESE TERMS CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH PROVISION.

THESE TERMS CONTAIN A MANDATORY INDIVIDUAL ARBITRATION PROVISION IN SECTION 17.2 (THE “ARBITRATION AGREEMENT”) AND A CLASS ACTION/JURY TRIAL WAIVER PROVISION IN SECTION 17.3 (THE “CLASS ACTION/JURY TRIAL WAIVER”) THAT REQUIRE, UNLESS YOU OPT OUT PURSUANT TO THE INSTRUCTIONS IN THE ARBITRATION AGREEMENT, THE EXCLUSIVE USE OF FINAL AND BINDING ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES BETWEEN YOU AND US, INCLUDING ANY CLAIMS THAT AROSE OR WERE ASSERTED BEFORE YOU AGREED TO THESE TERMS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW (AS DEFINED BELOW), YOU EXPRESSLY WAIVE YOUR RIGHT TO SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL ON YOUR CLAIMS, AS WELL AS YOUR RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION OR PROCEEDING.

1. How We Administer the Service

1.1 Eligibility
This is a contract between you and Cycles. You must read and agree to these Terms before using the Service. You may use the Service only if you can form a legally binding contract with us, and only in compliance with these Terms and all applicable local, state, national, and international laws, rules, and regulations (“Applicable Law”). To use the Service, you must be at least 18 years old. You represent and warrant that you meet the applicable age requirements and are competent to agree to these Terms. The Service is not available to any Users we previously removed from the Service.

1.2 User Accounts
(a) Your User Account; Suspension and Termination. Your account on the Service (your “User Account”) gives you access to certain services and functionalities that we may, in our sole discretion, establish and maintain as part of the Service from time to time. We may, with or without prior notice, permanently terminate or temporarily suspend your access to your User Account and/or the Service without liability and for any or no reason, including if you violate any provision of these Terms. Additionally, you may de-activate your User Account at any time. We may, with or without prior notice, change or stop providing the Service, to you or to Users generally, or create usage limits for the Service.

(b) Organizational Accounts. An individual may access and/or use the Service on behalf of a company or other entity, such as that individual’s employer (such entity, an “Organization”). In such cases, notwithstanding anything to the contrary herein: (a) these Terms are an agreement between (i) us and such individual and (ii) us and that Organization; (b) “you,” as used in these Terms in the context of a license grant, assignment, restriction, obligation, acknowledgment, representation, warranty, or covenant, or in any similar context, means (i) such individual and (ii) the Organization, on behalf of the Organization and its subsidiaries and affiliates, and its and their respective directors, officers, employees, contractors, agents, and other representatives who access and/or use the Service (collectively, “Org Users”); and “your” has the corresponding meanings; (c) such individual represents and warrants to having the authority to bind that Organization to these Terms (and, in the absence of such authority, such individual may not access, nor use, the Service); (d) such individual’s acceptance of these Terms will bind that Organization to these Terms; (e) we may disclose information regarding such individual and such individual’s access to and use of the Service to that Organization; (f) such individual’s right to access and use the Service may be suspended or terminated (and the administration of the applicable User Account may be transferred) if such individual ceases to be associated with, or ceases to use an email address associated with or provisioned by, that Organization; (g) that Organization will make all Org Users aware of these Terms’ provisions, as applicable to such Org Users, and will cause each Org User to comply with such provisions; and (h) that Organization will be solely responsible and liable for all acts and omissions of the Org Users, and any act or omission by any Org User that would constitute a breach of these Terms had it been taken by that Organization will be deemed a breach of these Terms by that Organization.

Without limiting the generality of the foregoing, if an individual opens a User Account using an email address associated with or provisioned by an Organization, or if an Organization pays fees due in connection with such individual’s access to or use of the Service (or reimburses such individual for payment of such fees), then we may, in our sole discretion, deem such individual to be accessing and using the Service on behalf of that Organization.

(c) Connecting Via Third-Party Services. By connecting to the Service via a third-party service, you give us permission to access and use your information from that service.

(d) Account Security. You may never use another User’s User Account without such User’s permission. You are solely responsible for the activity that occurs on your User Account, you will keep your User Account password(s) and/or any other authentication credentials secure, and you will not share your password(s) and/or any other authentication credentials with anyone else. We encourage you to use “strong” passwords (passwords that use a combination of upper- and lower-case letters, numbers, and symbols) to protect your User Account. Any Org User with administrator-level access to your User Account can modify your User Account settings, access, and billing information. We will not be liable for, and expressly disclaim liability for, any losses caused by any unauthorized use of your User Account and/or any changes to your User Account. You will notify us immediately of any breach of security or unauthorized use of your User Account.

(e) Account Settings. You may control certain aspects of your User Account and any associated User profile, and of the way you interact with the Service, by changing the settings in your settings page. By providing us with your email address, you consent to our using that email address to send you Service-related notices. If we send you marketing-related emails, you may opt out of receiving them or change your preferences by contacting the Service support team at support@cycles.money or by clicking on the “unsubscribe” link within a marketing email. Opting out will not prevent you from receiving Service-related notices.

1.3 Your Interactions with Other Users
YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTIONS, INCLUDING SHARING OF INFORMATION, WITH OTHER USERS. WE RESERVE THE RIGHT TO MONITOR DISPUTES BETWEEN YOU AND OTHER USERS. WE EXPRESSLY DISCLAIM ALL LIABILITY ARISING FROM YOUR INTERACTIONS WITH OTHER USERS, AND FOR ANY USER’S ACTION OR INACTION, INCLUDING RELATING TO USER CONTENT (AS DEFINED BELOW).

2. Access to the Service; Service Restrictions

2.1 Access to the Service
Subject to your compliance with these Terms and any documentation we may make available to you, you are hereby granted a non-exclusive, limited, non-transferable, and freely revocable right to access and use the Service, solely for your personal use or internal business purposes, as permitted by the features of the Service. We reserve all rights not expressly granted herein in and to the Service. Notwithstanding anything to the contrary herein, certain portions of the Service may be available only during the Subscription Term(s) (as defined below), as further described in Section 7.4 (Subscription Plans).

2.2 Restrictions and Acceptable Use
Except to the extent a restriction is prohibited by Applicable Law, you will not do, and will not enable any third party to do, any of the following: (a) disassemble, reverse engineer, decode, or decompile any part of the Service or license or resell or modify any part of the Service; (b) use any automated or non-automated means to access the Service for “scraping” (except that public search engines may use spiders to create searchable indices of public materials, only as specified in the robots.txt file); (c) use the Service in any manner that impacts the stability of the servers or the operation or performance of the Service or any User’s use of the Service; (d) copy, rent, lease, sell, loan, transfer, assign, sublicense, resell, distribute, modify, alter, or create derivative works of any part of the Service or any of our intellectual property; (e) use the Service in any manner that (i) violates any Applicable Law, contractual obligation, or right of any person, (ii) is fraudulent, false, deceptive, or defamatory, (iii) promotes hatred, violence, or harm against, or (iv) otherwise may be harmful or objectionable to us or any other third party; (f) use the Service in competition with us, to develop competing products or services, for benchmarking or competitive analysis of the Service, or otherwise to our detriment or disadvantage; (g) bypass the measures we may use to prevent or restrict access to the Service; (h) use the Service to transmit spam or other unsolicited email or use the Service for commercial solicitation; (i) access any content available on or via the Service through any technology or means other than those provided by the Service or authorized by us; (j) attempt to interfere with, compromise the system integrity or security of, or decipher any transmissions to or from, the servers running the Service; (k) transmit invalid data, viruses, worms, or other software agents through the Service; (l) collect or harvest any personal information from the Service; or (m) refer to us or to the Service in a manner that could imply a relationship that involves endorsement, affiliation, or sponsorship between you (or a third party) and us without our consent.

3. Cycles Pay: Self-Custodial Wallet and Blockchain Services

3.1 Overview
Cycles Pay is a permissionless blockchain-based application that provides self-custodial wallet services for managing stablecoins and digital assets. Cycles Pay is available to individuals, freelancers, and small and medium businesses seeking privacy, control, and global accessibility for digital payments and transfers.

3.2 Self-Custody and Non-Custodial Structure
(a) Non-Custodial Nature. Cycles does not hold or control user assets. Users control their own wallet and private keys (cryptographic codes needed to access funds). Cycles provides the application but never has access to users’ private keys.

(b) User Responsibility. Users are solely responsible for their own security and private key management. If a user loses their private key, Cycles cannot recover their funds. It is User’s responsibility to back up its systems accordingly.

(c) No Recovery. YOU ACKNOWLEDGE AND AGREE THAT CYCLES CANNOT RECOVER, RESET, OR RESTORE YOUR PRIVATE KEYS OR ACCESS TO YOUR WALLET. IF YOU LOSE YOUR PRIVATE KEYS, YOUR FUNDS WILL BE PERMANENTLY INACCESSIBLE. CYCLES WILL NOT BE LIABLE FOR ANY LOSS OF FUNDS RESULTING FROM LOST, STOLEN, OR COMPROMISED PRIVATE KEYS.

3.3 Supported Assets and Blockchain Networks
(a) Supported Stablecoins. Cycles Pay supports digital currencies designed to maintain a stable value, typically pegged to a fiat currency like USD (e.g., USDC, USDT) (“Stablecoins”). The specific Stablecoins supported at launch and any changes thereto will be disclosed via the Service or on our website.

(b) Blockchain Networks. Cycles Pay operates on one or more public, permissionless blockchain networks. The specific blockchains supported at launch and any plans for cross-chain support will be disclosed via the Service or on our website.

(c) Asset and Network Changes. We may add or remove support for Stablecoins, tokens, or blockchain networks at any time in our sole discretion.

3.4 Shielded Pool and Privacy Features
(a) Shielded Transactions. Transaction details within Cycles Pay (sender, recipient, and amount) are encrypted and hidden from public view within a “Shielded Pool.” Only deposits into and withdrawals from the Shielded Pool are visible on the underlying blockchain.

(b) Zero-Knowledge Proofs. The Shielded Pool uses zero-knowledge proofs (“ZKPs”), which are mathematical proofs that allow the system to verify transactions are valid without revealing details about them.

3.5 Yield Integration
(a) Third-Party DeFi Protocols. Users may allocate their Stablecoin funds to third-party decentralized finance (“DeFi”) protocols directly from the Cycles Pay interface. These protocols may offer interest or yield based on lending, liquidity provision, or other DeFi strategies.

(b) No Yield Provided by Cycles. Cycles does not provide the yield itself, nor does Cycles guarantee any returns. Cycles acts as a connector, allowing users to select and access various DeFi options based on their risk preferences.

(c) Yield Integration Risks. YOU ACKNOWLEDGE AND AGREE THAT DEFI PROTOCOLS CARRY SIGNIFICANT RISKS, INCLUDING BUT NOT LIMITED TO: (i) SMART CONTRACT BUGS OR VULNERABILITIES; (ii) PROTOCOL INSOLVENCY OR FAILURE; (iii) STABLECOIN DEPEGGING OR LOSS OF VALUE; (iv) LOSS OF PRINCIPAL; AND (v) REGULATORY ACTIONS. THERE IS NO INSURANCE (SUCH AS FDIC COVERAGE), AND RETURNS ARE NOT GUARANTEED. YOU MUST REVIEW AND ACCEPT APPLICABLE RISK DISCLOSURES BEFORE ALLOCATING FUNDS TO ANY DEFI PROTOCOL. Users are solely responsible for their own decisions to use any DeFi option.

(d) No Investment Advice. Cycles does not act as an investment advisor or broker and does not provide investment advice. Users are solely responsible for their own due diligence and investment decisions.

3.6 Fiat On-Ramp and Off-Ramp Integration
(a) Third-Party Providers. Users may convert fiat money (such as USD) to Stablecoins, and vice versa, through third-party service providers (“Fiat Providers”).

(b) Third-Party Terms. Fiat Providers handle identity verification (know-your-customer or “KYC” and know-your-business or “KYB” requirements), not Cycles. Users are subject to the terms and conditions and privacy policies of the applicable Fiat Provider.

(c) No Cycles Responsibility. Cycles is not responsible for the acts or omissions of any Fiat Provider, including any failure to process transactions, identity verification issues, or loss of funds.

3.7 Transaction Execution and Controls
(a) User-Initiated Transactions. All transactions are initiated and signed by the user. Cycles does not initiate, authorize, conduct or sign transactions on behalf of users.

(b) Network Access Fee. Use of Cycles Pay may be subject to a periodic network access fee (the “Network Access Fee”), which covers the cost of blockchain transaction processing associated with your use of the Service. The amount, billing frequency, and payment terms of the Network Access Fee will be disclosed via the Service or on our website. Cycles may, in its sole discretion, subsidize or waive the Network Access Fee during promotional, pilot, or introductory periods; any such subsidy or waiver may be modified or discontinued at any time. For the avoidance of doubt, the Network Access Fee is separate from any Subscription Fee or other Fee described in Section 7.

(c) Transaction Limits. We may impose limits on transaction size, frequency, or asset types. Any such limits will be disclosed via the Service or on our website.

(d) No Reversal. We provide no guarantee or assurance that any transaction you initiate can be reversed or offset. All transactions initiated with users’ private keys should be considered final, even in the event of error, theft, or fraud.

(e) Settlement Risk. Users assume all risks related to settlement and finality of transactions they initiate. We provide no guarantee that transactions on public blockchains will be settled or considered final.

3.8 Permissionless Blockchain
(a) Open Access. Cycles Pay operates on permissionless blockchain networks where anyone can participate without needing approval from a central authority, subject to Applicable Law. Users from anywhere in the world can use the product without needing approval, subject to Applicable Law.

(b) Decentralization. The underlying blockchain networks are maintained by many independent participants (nodes), not by Cycles or any single company or government.

(c) Censorship Resistance. The system is resilient to censorship or shut down by any single entity, though Cycles may restrict or suspend access to its own application as provided in these Terms.

3.9 On-Chain Clearing Feature
(a) Future Clearing Functionality. Cycles may offer an on-chain clearing feature within Cycles Pay that allows users to opt in to multilateral obligation offset among multiple parties, executed on-chain and utilizing the privacy-preserving features of the Shielded Pool (the “On-Chain Clearing Feature”).

(b) Opt-In Participation. Participation in the On-Chain Clearing Feature, when available, will be entirely voluntary. Users must affirmatively opt in to participate, and may opt out at any time in accordance with the procedures made available through the Service.

(c) Availability. The On-Chain Clearing Feature may be introduced at a future date, and its availability, functionality, and terms of use will be disclosed via the Service or on our website prior to launch. We reserve the right to modify, suspend, or discontinue the On-Chain Clearing Feature at any time in our sole discretion.

(d) Applicable Terms. Use of the On-Chain Clearing Feature will be subject to these Terms and any supplemental terms or disclosures that Cycles may publish in connection with such feature. All disclaimers, limitations of liability, and risk disclosures set forth in these Terms will apply to the On-Chain Clearing Feature.

3.10 Identity Verification for Cycles Pay
(a) Cycles Verification. In addition to any identity verification conducted by third-party Fiat Providers, Cycles may, in its sole discretion, require Users to complete identity verification, screening, or eligibility checks as a condition of accessing or continuing to access certain features of Cycles Pay, including but not limited to the Shielded Pool, the On-Chain Clearing Feature, and certain transaction thresholds (collectively, “Cycles Verification”).

(b) Compliance Screening. Cycles may screen Users against applicable sanctions lists, including lists maintained by OFAC and equivalent authorities in other jurisdictions, and may conduct such other compliance checks as Cycles deems appropriate to comply with Applicable Law or to mitigate risk.

(c) Cooperation. By using Cycles Pay, you agree to promptly provide any information or documentation reasonably requested by Cycles in connection with Cycles Verification, including government-issued identification, proof of address, or information regarding the source of funds. Failure to provide requested information may result in the suspension or termination of your access to all or part of Cycles Pay.

(d) Right to Restrict Access. Cycles reserves the right to restrict, suspend, or terminate any User’s access to Cycles Pay or any feature thereof if the User fails to complete Cycles Verification, if Cycles determines that continued access would violate Applicable Law, or if Cycles otherwise determines, in its sole discretion, that such restriction is necessary or appropriate.

4. User Content

4.1 Ownership
As between us and you, you (or your licensors) will own any and all information, data, and other content that is collected or otherwise received by us from you through the Service (“User Content”).

4.2 No Ownership Claim by Cycles; Limited Access by Other Users
We claim no ownership rights over User Content, and, as between you and us, all User Content that is submitted, posted, displayed, provided, shared, or otherwise made available on or via the Service by you is and will remain yours. You understand that certain portions of the Service may allow other Users to view User Content that you have made available through features of the Service.

4.3 License Grant to Cycles
You further grant, and you represent and warrant that you have all rights necessary to grant, to us, under all of your intellectual property rights, a non-exclusive and royalty-free right and license to use, copy, store, and display your User Content and Output: (i) to maintain and provide the Service; (ii) to improve our products and the Service, solely using aggregated, anonymized, or de-identified data; and (iii) to perform such other actions as described in our Privacy Notice or as authorized by you in connection with your use of the Service. For clarity, the foregoing license does not grant Cycles the right to sell, publicly distribute, or create standalone derivative works from any User’s financial obligation data, transaction records, wallet information, or other confidential financial data submitted through Cycles Pay.

4.4 Representations and Warranties
You affirm, represent, and warrant the following: (a) you have obtained, and are solely responsible for obtaining, all consents required by Applicable Law to provide User Content relating to third parties; (b) your User Content and Output and our use thereof as contemplated by these Terms and the Service will not violate any Applicable Law or infringe any rights of any third party, including, but not limited to, any intellectual property rights, privacy rights and confidentiality rights; (c) you will not upload or make available through the Service, either directly or by other means, any personal information of children under 18 or the applicable age of digital consent; and (d) your User Content does not include sexually suggestive content; hate speech or direct attacks on an individual or group; content that is abusive, harassing, defamatory, vulgar, libelous, or invasive of another’s privacy; sexist or racially, ethnically, or otherwise discriminatory content; content that contains self-harm or excessive violence; impostor profiles; content in furtherance of harmful or illegal activities; malicious programs or code; any person’s personal information without such person’s consent; spam messages; and/or otherwise objectionable content.

4.5 User Responsibility
You own your User Content and we claim no ownership rights over your User Content. We take no responsibility and assume no liability for any User Content. You will be solely responsible for your User Content and the consequences of submitting, posting, displaying, providing, sharing, or otherwise making it available on or through the Service, and you understand and acknowledge that we are acting only as a passive conduit for your online distribution and publication of your User Content. WE TAKE NO RESPONSIBILITY AND ASSUME NO LIABILITY FOR ANY USER CONTENT. YOU WILL BE SOLELY RESPONSIBLE FOR YOUR USER CONTENT AND THE CONSEQUENCES OF SUBMITTING, POSTING, DISPLAYING, PROVIDING, SHARING, OR OTHERWISE MAKING IT AVAILABLE ON OR THROUGH THE SERVICE. YOU UNDERSTAND AND ACKNOWLEDGE THAT THE SERVICE MAY EXPOSE YOU TO CONTENT THAT IS INACCURATE, OBJECTIONABLE, INAPPROPRIATE, OR OTHERWISE UNSUITED TO YOUR PURPOSE, AND YOU UNDERSTAND AND ACKNOWLEDGE THAT WE WILL NOT BE LIABLE FOR ANY DAMAGES YOU ALLEGE TO INCUR AS A RESULT OF OR RELATING TO ANY CONTENT ACCESSED ON OR THROUGH THE SERVICE.

5. Intellectual Property

5.1 Cycles Intellectual Property
You understand and acknowledge that we (or our licensors (including other Users), as applicable) own and will continue to own all rights (including intellectual property rights), title, and interest in and to the Service, all materials and content displayed or otherwise made available on and/or through the Service (excluding your User Content), and all software, algorithms, code, technology, and intellectual property underlying and/or included in or with the Service. Use of any intellectual property for any purpose not expressly permitted by these Terms is strictly prohibited.

5.2 Generated Content
You may be allowed to submit text, documents, images and other materials to the Service for processing, and receive output from the Service based on such materials (“Output”). Due to the nature of machine learning, use of the service may result in incorrect Output. You must evaluate the accuracy of any Output as appropriate for your use case, including by using human review of the Output. You agree that we shall not be liable for any damages you or any third party alleges to incur as a result of or relating to any Output or other content generated by or accessed on or through the Service.

5.3 Usage Data
We may collect, or you may provide to us, diagnostic, technical, usage, and/or related information, including information about your computers, mobile devices, systems, and software (collectively, “Usage Data”). All Usage Data is and will be owned solely and exclusively by us, and, to the extent any ownership rights in or to the Usage Data vest in you, you hereby assign to us all rights (including intellectual property rights), title, and interest in and to same. Accordingly, we may use, maintain, and/or process the Usage Data or any portion thereof for any lawful purpose, including, without limitation: (a) to provide and maintain the Service; (b) to improve our products and services (including the Service), and to develop new products, services, and/or features; (c) to monitor your usage of the Service; (d) for research and analytics, including, without limitation, data analysis, identifying usage trends, and/or customer research; and (e) to share analytics and other derived Usage Data with third parties, solely in de-identified or aggregated form.

5.4 Technological Measures
The Service may contain technological measures designed to prevent unauthorized or illegal use of the Service; you understand and acknowledge that we may use these and other lawful measures to verify your compliance with these Terms and to enforce our rights, including intellectual property rights, in and to the Service.

5.5 Open Source Software
Some software used in our Service may be offered under an open source license that we make available to you. There may be provisions in an open source license that expressly override some of these terms, so please be sure to read those licenses.

5.6 Feedback
To the extent you provide us any suggestions, recommendations, or other feedback relating to the Service or to any other Cycles products or services (collectively, “Feedback”), you hereby assign to us all rights (including intellectual property rights), title, and interest in and to the Feedback, without providing any attribution or compensation to you or to any third party. Please treat Feedback as our Confidential Information (as defined below).

5.7 Cycles Property
The Service contains data, information, and/or other content, such as reputational or status indicators, and/or features representing virtual achievements (collectively, “Cycles Property”). Notwithstanding any terminology that may suggest you own or have any claims to any Cycles Property, we solely and exclusively own all Cycles Property and we reserve all rights to same, except that we hereby grant you a non-exclusive, limited, non-transferable, and freely revocable license to use certain Cycles Property as permitted by the Service’s functionalities. Without limiting the generality of the foregoing, (a) Cycles Property is not redeemable for any sum of money or monetary value from Cycles at any time, and (b) we have the absolute right to manage, regulate, control, modify, transfer, and/or delete Cycles Property as we see fit, in our sole discretion, in any general or specific case, and we will have no liability to you based on our exercise of such right.

NOTWITHSTANDING ANY VALUE ATTRIBUTED TO SUCH DATA BY YOU OR BY ANY THIRD PARTY, ANY DATA, USER ACCOUNT HISTORY, AND USER ACCOUNT CONTENT RESIDING ON THE SERVERS RUNNING THE SERVICE MAY BE ALTERED, TRANSFERRED, OR DELETED AT ANY TIME, FOR ANY REASON OR NO REASON, IN OUR SOLE DISCRETION, WITH OR WITHOUT NOTICE AND WITH NO LIABILITY OF ANY KIND. WE DO NOT PROVIDE OR GUARANTEE, AND WE EXPRESSLY DISCLAIM, ANY VALUE, CASH OR OTHERWISE, ATTRIBUTED TO ANY DATA RESIDING ON THE SERVERS RUNNING THE SERVICE.

5.8 Points Program
(a) General. Cycles may offer a points, rewards, or loyalty program through the Service (the “Points Program”). The specific terms, earning criteria, eligible activities, and any redemption options for the Points Program will be disclosed via the Service or on our website. Points earned under the Points Program are a form of Cycles Property and are subject to all terms applicable to Cycles Property under Section 5.7.

(b) No Monetary Value. Points earned under the Points Program have no cash value and are not redeemable for cash, cryptocurrency, or any other form of currency unless expressly stated otherwise by Cycles. Points are not transferable between Users and may not be sold, bartered, or exchanged outside the Service.

(c) Modification and Termination. We reserve the right to modify, suspend, or terminate the Points Program, or to adjust the value, earning rates, redemption options, or expiration policies applicable to points, at any time and in our sole discretion, with or without notice. Any points that have not been redeemed at the time of termination of the Points Program will be forfeited.

(d) Abuse. We reserve the right to revoke or forfeit any points that were earned through fraud, abuse, manipulation, or violation of these Terms or the rules of the Points Program.

6. Confidential Information
The Service may include non-public, proprietary, or confidential information of Cycles and/or of other Users (“Confidential Information”). Confidential Information includes any information that should reasonably be understood to be confidential given the nature of the information and the circumstances of disclosure, including non-public business, product, technology, and marketing information. You will: (a) protect and safeguard the confidentiality of all Confidential Information with at least the same degree of care as you would use protect your own highly sensitive confidential information, but in no event with less than a reasonable degree of care; (b) not use any Confidential Information for any purpose other than to exercise your rights, or to perform your obligations, under these Terms; and (c) not disclose any Confidential Information to any person or entity, except your service providers or financial or legal advisors who/that (i) need to know the Confidential Information and (ii) are bound by non-use and non-disclosure restrictions at least as restrictive as those set forth in this Section.

7. Payments, Billing, and Subscription Plans

7.1 Billing Policies; Taxes
Certain aspects of the Service may be provided for free, while certain other aspects of the Service may be provided for a fee (“Fee”). Each Fee (including each Subscription Fee (as defined below)) is the sum of the applicable Cycles Fee (as defined below) and any applicable Third-Party Fees (as defined below). By electing to use non-free aspects of the Service, including enrolling in Subscription(s) (as defined below), you agree to the pricing and payment terms applicable to you, as may be made available on our website or via your User Account, and as incorporated by reference herein. We may add new products and/or services for additional Fees, add or amend Fees for existing products and/or services, and/or discontinue offering any Subscriptions at any time; provided, however, that if we have agreed to a specific Subscription Term and a corresponding Subscription Fee, then that Subscription will remain in force for that Subscription Fee during that Subscription Term. Any change to our pricing and payment terms will become effective in the billing cycle following our provision of notice of such change. Except as may be expressly stated in these Terms, all Fees must be paid in advance, payment obligations are non-cancelable once incurred (subject to any cancellation rights set forth in these Terms), and Fees paid are non-refundable. Fees are stated exclusive of any taxes, levies or duties (collectively, but, for clarity, excluding taxes based on our net income, “Taxes”). You will be responsible for paying all Taxes associated with your purchases and/or Subscriptions in connection with the Service.

7.2 Definitions
(a) “Subscription” means a particular portion of the Service that is available on an automatically renewing subscription basis, and your access thereto, as applicable.

(b) “Subscription Fee” means the recurring amount due as consideration for a Subscription.

(c) “Cycles Fee” means the portion of the Fee (including any Subscription Fee) that Cycles may retain as consideration for providing the Service or any portion thereof (including any particular Subscription), as applicable.

(d) “Third-Party Fees” means the portion of the Fee (including any Subscription Fee) retained by one (1) or more third parties, including Payment Processor, that we may engage from time to time, in our sole discretion.

(e) “Payment Processor” means the third-party payment processor, which we engage to process payments Users make in connection with the Service.

7.3 Your Payment Method
(a) General. To use non-free aspects of the Service, you must provide us with at least one (1) valid payment card that is accepted by us and Payment Processor (each such card, a “Payment Method”). By providing a Payment Method, you authorize each of Cycles and Payment Processor to charge that Payment Method the applicable Fees and Taxes, including, if applicable, on a recurring basis until you cancel your Subscription (including any notice period specified in the Cancellation Procedures section below). Fees and Taxes will be charged to your Payment Method on the specific payment date indicated in your User Account. The length of your billing cycle will depend on the type of Subscription in which you are enrolled, if applicable. We may authorize your Payment Method in anticipation of Service-related charges through various methods.

(b) Third-Party Payment Processor. We or Payment Processor will attempt to verify your Payment Method(s), and may do so by processing an authorization hold, which is standard practice. To the extent Payment Processor processes payments made by you, you will be subject to terms and conditions governing the use of Payment Processor’s service. Please review such terms and conditions as well as Payment Processor’s privacy notice (each of which is available on Payment Processor’s website). You acknowledge and understand that Payment Processor may collect and retain Third-Party Fees whenever you pay Fees (including Subscription Fees). Payment must be received by Payment Processor before our acceptance of an order. For all payments, Payment Processor will collect your Payment Method details and charge your chosen Payment Method in connection with an order. If any of your account, order, or Payment Method information changes, you will promptly update such information, so that we or Payment Processor may complete your transaction(s) and/or contact you, as needed.

(c) Payment Representations and Warranties. You represent and warrant that: (i) the account, order, and Payment Method information you supply to us and/or to Payment Processor, as applicable, is true, accurate, correct, and complete; (ii) you are duly authorized to use the Payment Method(s); (iii) you will pay any and all charges incurred by users of your Payment Method in connection with the Service, including any applicable Fees (at the prices in effect when such charges are incurred) and Taxes; (iv) charges incurred by you will be honored by your Payment Method company; (v) you will not allow or enable anyone else to use your Subscription (including, without limitation, by sharing your password(s) or any other authentication credentials with anyone else, or by attempting to transfer your Subscription to anyone else); and (vi) you will report to us any unauthorized or prohibited access to or use of your Subscription and/or password(s) or other authentication credentials.

(d) Disclaimer. WE DISCLAIM ANY AND ALL LIABILITY WITH RESPECT TO, AND YOU UNDERSTAND AND ACKNOWLEDGE THAT WE ARE NOT RESPONSIBLE FOR: (I) ANY SECURITY OR PRIVACY BREACHES RELATED TO YOUR CREDIT CARD OR OTHER PAYMENT METHOD, (II) ANY FEES THAT MAY BE CHARGED TO YOU BY YOUR BANK IN CONNECTION WITH THE COLLECTION OF FEES, AND/OR (III) ANY UNAUTHORIZED USE OF YOUR CREDIT CARD, DEBIT CARD, OR OTHER PAYMENT METHOD BY A THIRD PARTY.

7.4 Subscription Plans

The following provisions regarding Subscription Plans apply to the extent Cycles offers any automatically renewing subscription-based access to the Service. If no Subscription Plans are currently available, these provisions will take effect upon the introduction of any such plans.

(a) Automatic Renewals. Subscriptions are available on an automatically renewing subscription basis and entail payment of Subscription Fees. YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH SUBSCRIPTION TERM IDENTIFIED IN YOUR ACCOUNT FOR SUBSEQUENT TERMS EQUAL IN LENGTH TO THAT INITIAL SUBSCRIPTION TERM (EACH SUCH PERIOD, A “SUBSCRIPTION TERM”) UNLESS AND UNTIL YOU CANCEL THE APPLICABLE SUBSCRIPTION IN ACCORDANCE WITH THE CANCELLATION PROCEDURES IDENTIFIED BELOW. YOU UNDERSTAND THAT UNLESS AND UNTIL YOU NOTIFY US OF YOUR INTENT TO CANCEL, YOUR SUBSCRIPTION AND THE CORRESPONDING SUBSCRIPTION FEE WILL AUTOMATICALLY RENEW, AND YOU AUTHORIZE EACH OF CYCLES AND PAYMENT PROCESSOR (WITHOUT NOTICE TO YOU, UNLESS REQUIRED BY APPLICABLE LAW) TO CHARGE YOU THE APPLICABLE SUBSCRIPTION FEE AND ANY APPLICABLE TAXES, USING ANY OF YOUR PAYMENT METHODS.

(b) Automatic Billing and Policies. When you enroll in a Subscription, you expressly acknowledge and agree that: (i) each of Cycles and Payment Processor is authorized to charge you, at the beginning of each Subscription Term, the Subscription Fee for the applicable Subscription, any applicable Taxes, and any other charges you may incur in connection with such Subscription, subject to adjustment in accordance with these Terms; and (ii) your Subscription is continuous until the earlier of: (A) your cancellation of such Subscription (including any notice period specified in the Cancellation Procedures section below) and (B) the suspension, discontinuation, or termination of your access to such Subscription or to the Service in accordance with these Terms. You understand and acknowledge that the amounts billed may vary due to Promotional Offers (as defined below), changes to the Subscription Fee in accordance with the payment terms set forth via the Service, and/or changes in applicable Taxes, and you authorize each of Cycles and Payment Processor to charge your Payment Method the changed amounts.

(c) Cancellation Procedures. To cancel any Subscription, you must notify us at least [3] days before the start of the next Subscription Term by using the appropriate functionalities of the Service, including through the same method you used to sign up (for example, if you signed up online, you may cancel online through your User Account settings), or by contacting us at support@cycles.money. You will continue to have access to the Subscription through the end of the then-current Subscription Term. YOU UNDERSTAND THAT UNLESS AND UNTIL YOU NOTIFY US OF YOUR INTENT TO CANCEL, YOUR SUBSCRIPTION AND THE CORRESPONDING SUBSCRIPTION FEE WILL AUTOMATICALLY RENEW, AND YOU AUTHORIZE EACH OF CYCLES AND PAYMENT PROCESSOR (WITHOUT NOTICE TO YOU, UNLESS REQUIRED BY APPLICABLE LAW) TO CHARGE YOU THE APPLICABLE SUBSCRIPTION FEE AND ANY APPLICABLE TAXES, USING ANY OF YOUR PAYMENT METHODS.

(d) Cancellation; Refunds. You may de-activate your User Account or any Subscription at any time and we may suspend or terminate your Subscription, your User Account, or the Service at any time, in our sole discretion. HOWEVER, YOU UNDERSTAND AND ACKNOWLEDGE THAT, UNLESS REQUIRED BY APPLICABLE LAW, YOU WILL NOT BE ENTITLED TO RECEIVE ANY REFUND OR CREDIT FOR ANY SUCH CANCELLATION, SUSPENSION, OR TERMINATION, NOR FOR ANY UNUSED TIME ON YOUR SUBSCRIPTION, ANY PRE-PAYMENTS MADE IN CONNECTION WITH YOUR SUBSCRIPTION, ANY USAGE OR SUBSCRIPTION FEES FOR ANY PORTION OF THE SERVICE, ANY CONTENT OR DATA ASSOCIATED WITH YOUR USER ACCOUNT, OR ANYTHING ELSE, AND THAT ANY SUCH REFUNDS OR CREDITS MAY BE GRANTED AT OUR SOLE OPTION AND IN OUR SOLE DISCRETION. If you believe you have been improperly charged and would like to request a refund, please contact us at support@cycles.money.

(e) Free Trials. We may, at our sole option and in our sole discretion, offer free trials to a particular portion of the Service, subject to the terms of the offer. If you are signed up to such a free trial, we or Payment Processor will automatically bill your Payment Method on the day that follows the last day of your free trial (which day will be the first day of your first Subscription Term), and on the first day of each subsequent Subscription Term, subject to these Terms. If you wish to avoid charges to your Payment Method, you must cancel your free trial by 11:59 PM Pacific Time on the last day of your free trial period, using the same method you used to sign up or any other method we make available to you. If you cancel your free trial while it is ongoing, your access to the applicable portion of the Service may be terminated immediately upon such cancellation.

7.5 Promotional Offers
We may from time to time offer special promotional offers, plans, or memberships (“Promotional Offers”). Promotional Offer eligibility is determined by us in our sole discretion, and we reserve the right to revoke a Promotional Offer in the event that we determine you are not eligible. We may use information such as device ID, method of payment, and/or an email address used in connection with your User Account to determine eligibility. The eligibility requirements and other limitations and conditions will be disclosed when you sign-up for the Promotional Offer or in other communications made available to you. You understand and acknowledge that any Promotional Offers, including, without limitation, relating to Subscriptions, are subject to change at any time and from time to time.

7.6 Gas Fees and Blockchain Transaction Fees
For Cycles Pay, your use of the Service may be subject to a Network Access Fee as described in Section 3.7(b), which covers blockchain transaction processing costs associated with your use of the Service. The amount and terms of the Network Access Fee will be disclosed via the Service or on our website. Cycles may, in its sole discretion, subsidize or waive the Network Access Fee during promotional or pilot periods; any such subsidies may be modified or discontinued at any time.

7.7 Beta and Pilot Phase Pricing
Certain aspects of the Service may be offered on a beta, pilot, or experimental basis, during which time Fees may be reduced, subsidized, or waived. We reserve the right to introduce or adjust Fees for such aspects of the Service at any time upon notice to you.

8. Privacy; Data Security

8.1 Privacy
We care about your privacy. To provide and enhance the Service, we may need to be able to identify you and your interests, and we use your personal data to do this. By using the Service, you acknowledge that we may collect, use, and disclose your personal information and aggregated and/or anonymized data as set forth in our Privacy Notice, and that your personal information may be transferred to, and/or processed in, the United States.

8.2 Security
We care about the integrity and security of your personal information. We maintain high security standards to protect user data. However, we cannot guarantee that unauthorized third parties will never be able to defeat our security measures or to use your data for improper purposes. You acknowledge that you provide your data at your own risk.

8.3 Data Use for Product Improvement
We may use aggregated, anonymized, or de-identified data derived from your use of the Service to improve our products and services, conduct research and analytics, and develop new features. Such use will be in accordance with our Privacy Notice and Applicable Law.

9. Text Messaging and Calls

9.1 General
You may provide us with your telephone number as part of creating your User Account or otherwise. By providing a telephone number, you consent to receiving autodialed or prerecorded calls and/or text messages from us, or on our behalf, at such telephone number. We may place such calls or send such texts to (a) help keep your User Account secure through the use of multi-factor authentication (“MFA”); (b) help you access your User Account if you are experiencing difficulties; and/or (c) as otherwise necessary to service your account or enforce these Terms, our policies, Applicable Law, or any other agreement we may have with you. Part of the MFA identity-verification process may involve Cycles sending text messages containing security codes to the telephone number you provided, and you agree to receive such texts from or on behalf of Cycles.

9.2 Consent to Transactional Communications
You expressly consent and agree to Cycles contacting you using written, electronic, and/or verbal means, including manual dialing, emails, prerecorded/artificial voice messages, and/or using an automatic telephone dialing system to call or text your mobile/cellular telephone number, as necessary to complete transactions requested by you and to service your account, and as permitted by Applicable Law, in each case even if the phone number is registered on any United States federal and/or state Do-Not-Call/Do-Not-email registry/ies. Message and data rates apply. For purposes of clarity, the text messages described in this paragraph are transactional text messages, not promotional text messages.

9.3 Consent to Promotional Messages
Additionally, we offer you the chance to enroll to receive recurring SMS/text messages from Cycles. You may enroll to receive text messages about account-related news and alerts and/or Promotional Offers (including cart reminders) and marketing related to Cycles products and/or services. By enrolling in Cycles’ SMS/text messaging service, you agree to receive text messages from Cycles to the mobile phone number provided by you, and you certify that such mobile number is true and accurate and that you are authorized to enroll such mobile number to receive such texts. You acknowledge and agree that the texts may be sent using an automatic telephone dialing system and that message and data rates apply. Check your mobile plan and contact your wireless provider for details. You are solely responsible for all charges related to SMS/text messages, including charges from your wireless provider. Message frequency varies. Consent is not required as a condition of purchase. To the extent permitted by Applicable Law, we are not responsible for any delays upon sending or receiving text messages.

9.4 Unsubscribing From Promotional Messages
You may opt out from promotional text messages at any time. To unsubscribe from promotional text messages, text or reply “STOP,” “QUIT,” “END,” “CANCEL,” or “UNSUBSCRIBE” to the number from which you received the text from the mobile device receiving the messages, or to the other phone number provided by Cycles (if any) for such purpose. You consent that following such a request to unsubscribe, you may receive one (1) final text message from or on behalf of Cycles confirming your request. For help, please contact us at support@cycles.money.

10. Additional Terms for Apps

10.1 General
To use any App, you must have a mobile device that is compatible with such App. Cycles does not warrant that any App will be compatible with your mobile device. You may use mobile data in connection with an App and may incur additional charges from your wireless provider in connection with such App. You understand and acknowledge that you are solely responsible for any such charges. We hereby grant you a non-exclusive, limited, non-transferable, and freely revocable license to use a compiled code copy of the App(s) under your User Account on one (1) or more mobile devices owned or controlled solely by you (except to the extent the applicable App store platform permits any shared access and/or use of the App), solely in accordance with these Terms. The foregoing license grant is not a sale of any App or of any copy thereof. You may not: (a) modify, disassemble, decompile, or reverse engineer any App, except to the extent that such restriction is expressly prohibited by Applicable Law; (b) rent, lease, loan, resell, sublicense, distribute, or otherwise transfer any App to any third party, or use any App to provide time sharing or similar services for any third party; (c) make any copies of any App; (d) remove, circumvent, disable, damage, or otherwise interfere with security-related features of any App, features that prevent or restrict use or copying of any content accessible through any App, or features that enforce limitations on use of the Apps; or (e) delete the copyright or other proprietary rights notices on any App. You acknowledge that we may, from time to time, issue upgraded versions of the Apps, and may automatically electronically upgrade the version of the App that you are using on your mobile device. You consent to such automatic upgrading on your mobile device, and you understand and acknowledge that the terms and conditions of these Terms will apply to all such upgrades. Any third-party code that may be incorporated into an App is covered by the applicable open source or third-party license, if any, authorizing use of such code. We or our third-party partners or suppliers retain all right, title, and interest in and to the Apps (and any copies thereof). Any attempt by you to transfer or delegate any of the rights, duties, or obligations hereunder, except as expressly provided for in these Terms, is void. We reserve all rights not expressly granted under these Terms.

10.2 iOS App
This Section 10.2 (iOS App) applies to any App you acquire from the Apple App Store (such App, “iOS App”). You and Cycles understand and acknowledge that these Terms are solely between you and Cycles, not Apple, Inc. (“Apple”), and that Apple has no responsibility for the iOS App or content thereof. Your access to and use of the iOS App must comply with the usage rules set forth in Apple’s then-current Apple Media Services Terms and Conditions and with the applicable Volume Content Terms. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the iOS App. In the event of any failure of the iOS App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the iOS App to you; to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the iOS App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be governed solely by these Terms and any law applicable to Cycles as provider of the iOS App. You and Cycles acknowledge that Apple is not responsible for addressing any claims of you or any third party relating to the iOS App or your possession and/or use of the iOS App, including, but not limited to: (a) product liability claims; (b) any claim that the iOS App fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation. You acknowledge that, in the event of any third-party claim that the iOS App, or your possession and use of that iOS App, infringes that third party’s intellectual property rights, Cycles, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim, to the extent required by these Terms. You and Cycles acknowledge and agree that Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms as relates to your license of the iOS App, and that, upon your acceptance of the terms and conditions of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms as relates to your license of the iOS App against you as a third-party beneficiary thereof.

10.3 Android App
The following applies to any App you acquire from the Google Play Store (such App, “Android App”): (a) you acknowledge that these Terms are between you and Cycles only, and not Google LLC or any affiliate thereof (collectively, “Google”); (b) your access to and use of the Android App must comply with Google’s then-current Google Play Terms of Service; (c) Google is only a provider of the Google Play Store where you obtained the Android App; (d) Cycles, and not Google, is solely responsible for the Android App; (e) Google has no obligation or liability to you with respect to the Android App or these Terms; and (f) you understand and acknowledge that Google is a third-party beneficiary to these Terms as they relate to the Android App.

11. Your Use of Third-Party Services
THE SERVICE MAY CONTAIN LINKS TO THIRD-PARTY SITES, MATERIALS, AND/OR SERVICES (COLLECTIVELY, “THIRD-PARTY SERVICES”) THAT ARE NOT OWNED OR CONTROLLED BY US, AND CERTAIN FUNCTIONALITIES OF THE SERVICE MAY REQUIRE YOUR USE OF THIRD-PARTY SERVICES, TO WHICH YOU ARE SUBJECT TO AND AGREE TO THE THIRD PARTY’S TERMS AND CONDITIONS MADE AVAILABLE VIA ITS SERVICES. WE DO NOT ENDORSE OR ASSUME ANY RESPONSIBILITY FOR ANY THIRD-PARTY SERVICES. IF YOU ACCESS A THIRD-PARTY SERVICE FROM THE SERVICE OR SHARE YOUR USER CONTENT OR OUTPUT ON OR THROUGH ANY THIRD-PARTY SERVICE, YOU DO SO AT YOUR OWN RISK, AND YOU UNDERSTAND THAT THESE TERMS AND OUR PRIVACY NOTICE DO NOT APPLY TO YOUR USE OF ANY THIRD-PARTY SERVICE. YOU EXPRESSLY RELIEVE US FROM ANY AND ALL LIABILITY ARISING FROM YOUR ACCESS TO AND/OR USE OF ANY THIRD-PARTY SERVICE. WITHOUT LIMITING THE FOREGOING, YOUR USE OF THIRD-PARTY DEFI PROTOCOLS, FIAT ON-RAMP AND OFF-RAMP PROVIDERS, YIELD GENERATION SERVICES, AND ANY OTHER THIRD-PARTY SERVICES ACCESSED THROUGH CYCLES PAY IS ENTIRELY AT YOUR OWN RISK. CYCLES DOES NOT CONTROL, ENDORSE, OR GUARANTEE THE SECURITY, AVAILABILITY, OR PERFORMANCE OF ANY SUCH THIRD-PARTY SERVICES. ADDITIONALLY, YOUR DEALINGS WITH, OR PARTICIPATION IN PROMOTIONS OF, ADVERTISERS FOUND ON THE SERVICE ARE SOLELY BETWEEN YOU AND SUCH ADVERTISERS. YOU UNDERSTAND AND ACKNOWLEDGE THAT WE WILL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE OF ANY SORT RELATING TO YOUR DEALINGS WITH SUCH ADVERTISERS.

12. Release
You hereby release us from all claims, damages (whether direct, indirect, incidental, consequential, or otherwise), obligations, losses, liabilities, costs, debts, and expenses, in each case of every kind and nature, known and unknown, arising out of a dispute between you and a third party (including any other User) in connection with the Service. In addition, you waive any Applicable Law that says, in substance: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE RELEASED PARTY.”

13. Indemnity
You will defend, indemnify, and hold us and our subsidiaries and affiliates, and our and their respective agents, suppliers, licensors, employees, contractors, officers, and directors (collectively, including Cycles, the “Cycles Indemnitees”) harmless from and against any and all claims, damages (whether direct, indirect, incidental, consequential, or otherwise), obligations, losses, liabilities, costs, debts, and expenses (including, but not limited to, legal fees) arising from: (a) your access to and/or use of the Service, including your use of Output; (b) your violation of any term of these Terms; (c) your violation of any third-party right, including, without limitation, any privacy right or intellectual property right; (d) your violation of any Applicable Law; (e) User Content or any content that is submitted via your User Account; (f) your willful misconduct; (g) any third party’s access to and/or use of the Service with your authentication credential(s); (h) your loss of private keys or access credentials for Cycles Pay; and (i) your use of any third-party DeFi protocols, Fiat Providers, or other third-party services accessed through the Service.

14. Beta and Experimental Features Disclaimer
CERTAIN ASPECTS OF THE SERVICE MAY BE OFFERED ON A BETA, PILOT, OR EXPERIMENTAL BASIS (“BETA FEATURES”). BETA FEATURES MAY BE UNSTABLE, INCOMPLETE, OR CONTAIN ERRORS OR BUGS. WE PROVIDE BETA FEATURES “AS IS” WITHOUT WARRANTIES OF ANY KIND. YOU USE BETA FEATURES AT YOUR OWN RISK, AND WE SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM YOUR USE OF BETA FEATURES.

15. No Warranty; Disclaimers
THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE, THE INTELLECTUAL PROPERTY, AND ANY OTHER INFORMATION AVAILABLE ON OR THROUGH THE SERVICE ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND/OR NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, NONE OF THE CYCLES INDEMNITEES WARRANTS THAT ANY CONTENT OR ANY OTHER INFORMATION CONTAINED IN, OR AVAILABLE VIA, THE SERVICE IS ACCURATE, COMPREHENSIVE, RELIABLE, USEFUL, OR CORRECT; THAT THE SERVICE WILL MEET YOUR REQUIREMENTS; THAT THE SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, OR SECURE; THAT ANY DEFECTS OR ERRORS IN THE SERVICE WILL BE CORRECTED; OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS SO OBTAINED AT YOUR OWN RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM(S) OR MOBILE DEVICE(S) AND/OR FOR LOSS OF DATA THAT RESULTS FROM SAME OR FROM YOUR ACCESS TO AND/OR USE OF THE SERVICE. YOU MAY HAVE OTHER STATUTORY RIGHTS, BUT THE DURATION OF STATUTORILY REQUIRED WARRANTIES, IF ANY, WILL BE LIMITED TO THE SHORTEST PERIOD PERMITTED BY APPLICABLE LAW.

FURTHER, CYCLES DOES NOT WARRANT, ENDORSE, GUARANTEE, RECOMMEND, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY ANY THIRD PARTY THROUGH THE SERVICE OR ANY HYPERLINKED WEBSITE OR SERVICE, AND CYCLES WILL NOT BE A PARTY TO, OR IN ANY WAY MONITOR, ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. WITH RESPECT TO CYCLES PAY SPECIFICALLY: (A) WE DO NOT GUARANTEE THE AVAILABILITY, ACCURACY, OR TIMELINESS OF BLOCKCHAIN TRANSACTIONS; (B) WE DO NOT GUARANTEE THAT ANY STABLECOIN WILL MAINTAIN ITS PEGGED VALUE; (C) WE DO NOT GUARANTEE ANY RETURNS OR YIELDS FROM THIRD-PARTY DEFI PROTOCOLS; AND (D) WE DO NOT GUARANTEE THE SECURITY OR FUNCTIONALITY OF ANY UNDERLYING BLOCKCHAIN NETWORK OR SMART CONTRACT.

16. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ANY CYCLES INDEMNITEE BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, OR DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE SERVICE OR ANY PORTION THEREOF. UNDER NO CIRCUMSTANCES WILL WE BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS TO OR USE OF THE SERVICE OR YOUR USER ACCOUNT OR THE INFORMATION CONTAINED THEREIN.

IN NO EVENT WILL ANY CYCLES INDEMNITEE BE LIABLE TO YOU FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, OR COSTS IN AN AMOUNT EXCEEDING THE AMOUNT YOU PAID TO US HEREUNDER OR [TEN THOUSAND U.S. DOLLARS ($10,000.00)], WHICHEVER IS GREATER. THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (A) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (B) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICE; (C) ANY UNAUTHORIZED ACCESS TO OR USE OF THE SERVERS RUNNING THE SERVICE AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN; (D) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICE; (E) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH THE SERVICE BY ANY THIRD PARTY; (F) ANY ERRORS OR OMISSIONS IN ANY CONTENT, OR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE SERVICE; (G) YOUR DATA, ANY USER CONTENT, OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY; AND (H) LOSS OF DIGITAL ASSETS, STABLECOINS, OR FUNDS DUE TO LOST OR COMPROMISED PRIVATE KEYS, SMART CONTRACT VULNERABILITIES, BLOCKCHAIN NETWORK FAILURES, OR DEFI PROTOCOL FAILURES. THE DISCLAIMERS, EXCLUSIONS, AND LIMITATIONS OF LIABILITY UNDER THESE TERMS WILL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.

17. Governing Law, Arbitration, and Class Action/Jury Trial Waiver

17.1 Governing Law
These Terms will be governed by the laws of the State of California, without respect to its conflict of laws principles. Notwithstanding the preceding sentences with respect to the substantive law governing these Terms, the Federal Arbitration Act (9 U.S.C. §§ 1-16) (as it may be amended, “FAA”) governs the interpretation and enforcement of the Arbitration Agreement below and preempts all state laws (and laws of other jurisdictions) to the fullest extent permitted by Applicable Law. If the FAA is found to not apply to any issue that arises from or relates to the Arbitration Agreement, then that issue will be resolved under and governed by the law of the U.S. state where you live (if applicable) or the jurisdiction mutually agreed upon in writing by you and us. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded. You agree to submit to the exclusive personal jurisdiction of the federal and state courts located in California for any actions for which we retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of our data security, Confidential Information, or intellectual property rights, as set forth in the Arbitration Agreement below, including any provisional relief required to prevent irreparable harm. You agree that California is the proper and exclusive forum for any appeals of an arbitration award, or for trial court proceedings in the event that the Arbitration Agreement below is found to be unenforceable. These Terms were drafted in the English language and this English language version of the Terms is the original, governing instrument of the understanding between you and us. In the event of any conflict between the English version of these Terms and any translation, the English version will prevail.

17.2 Arbitration Agreement
(a) General. READ THIS SECTION CAREFULLY BECAUSE IT REQUIRES THE PARTIES TO ARBITRATE THEIR DISPUTES AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM US. This Arbitration Agreement applies to and governs any dispute, controversy, or claim between you and us that arises out of or relates to, directly or indirectly: (i) these Terms; (ii) access to or use of the Service, including receipt of any advertising or marketing communications; (iii) any transactions through, by, or using the Service; or (iv) any other aspect of your relationship or transactions with us as a User or consumer (each, a “Claim,” and, collectively, “Claims”). This Arbitration Agreement will apply, without limitation, to all Claims that arose or were asserted before or after your consent to these Terms.

(b) Opting Out of Arbitration Agreement. If you are a new User, you can reject and opt out of this Arbitration Agreement within thirty (30) days of accepting these Terms by emailing us at support@cycles.money with your full, legal name and stating your intent to opt out of this Arbitration Agreement. Opting out of this Arbitration Agreement does not affect the binding nature of any other part of these Terms, including the provisions regarding controlling law or the courts in which any disputes must be brought.

(c) Dispute-Resolution Process. For any Claim, you will first contact us at support@cycles.money and attempt to resolve the Claim with us informally. In the unlikely event that we have not been able to resolve a Claim after sixty (60) days, we each agree to resolve such Claim exclusively through binding arbitration by JAMS before a single arbitrator (the “Arbitrator”), under the Optional Expedited Arbitration Procedures then in effect for JAMS (the “Rules”), except as provided herein. JAMS may be contacted at www.jamsadr.com, where the Rules are available. In the event of any conflict between the Rules and this Arbitration Agreement, this Arbitration Agreement will control. The arbitration will be conducted in the U.S. county where you live (if applicable) or San Francisco County, California, unless you and Cycles agree otherwise. If you are using the Service for commercial purposes, each party will be responsible for paying any JAMS filing and administrative fees and Arbitrator fees in accordance with the Rules, and the award rendered by the Arbitrator will include costs of arbitration, reasonable attorneys’ fees, and reasonable costs for expert and other witnesses. If you are an individual using the Service for non-commercial purposes: (i) JAMS may require you to pay a fee for the initiation of your case, unless you apply for and successfully obtain a fee waiver from JAMS; (ii) the award rendered by the Arbitrator may include your costs of arbitration, your reasonable attorneys’ fees, and your reasonable costs for expert and other witnesses; and (iii) you may sue in a small claims court of competent jurisdiction without first engaging in arbitration, but this would not absolve you of your commitment to engage in the informal dispute resolution process. Any judgment on the award rendered by the Arbitrator may be entered in any court of competent jurisdiction.

You and we agree that the Arbitrator, and not any federal, state, or local court or agency, will have exclusive authority to resolve any disputes relating to the scope, interpretation, applicability, enforceability, or formation of this Arbitration Agreement, including any claim that all or any part of this Arbitration Agreement is void or voidable. The Arbitrator will also be responsible for determining all threshold arbitrability issues, including issues relating to whether these Terms are, or whether any provision of these Terms is, unconscionable or illusory, and any defense to arbitration, including waiver, delay, laches, unconscionability, and/or estoppel.

(d) Equitable Relief. NOTHING IN THIS ARBITRATION AGREEMENT WILL BE DEEMED AS: PREVENTING US FROM SEEKING INJUNCTIVE OR OTHER EQUITABLE RELIEF FROM THE COURTS AS NECESSARY TO PREVENT THE ACTUAL OR THREATENED INFRINGEMENT, MISAPPROPRIATION, OR VIOLATION OF OUR DATA SECURITY, CONFIDENTIAL INFORMATION, OR INTELLECTUAL PROPERTY RIGHTS; OR PREVENTING YOU FROM ASSERTING CLAIMS IN A SMALL CLAIMS COURT, PROVIDED THAT YOUR CLAIMS QUALIFY AND SO LONG AS THE MATTER REMAINS IN SUCH COURT AND ADVANCES ON ONLY AN INDIVIDUAL (NON-CLASS, NON-COLLECTIVE, AND NON-REPRESENTATIVE) BASIS.

(e) Severability. If this Arbitration Agreement is found to be void, unenforceable, or unlawful, in whole or in part, the void, unenforceable, or unlawful provision, in whole or in part, will be severed. Severance of the void, unenforceable, or unlawful provision, in whole or in part, will have no impact on the remaining provisions of this Arbitration Agreement, which will remain in force, or on the parties’ ability to compel arbitration of any remaining Claims on an individual basis pursuant to this Arbitration Agreement. Notwithstanding the foregoing, if the Class Action/Jury Trial Waiver below is found to be void, unenforceable, or unlawful, in whole or in part, because it would prevent you from seeking public injunctive relief, then any dispute regarding the entitlement to such relief (and only that relief) must be severed from arbitration and may be litigated in a civil court of competent jurisdiction. All other claims for relief subject to arbitration under this Arbitration Agreement will be arbitrated under its terms, and the parties agree that litigation of any dispute regarding the entitlement to public injunctive relief will be stayed pending the outcome of any individual claims in arbitration.

17.3 Class Action/Jury Trial Waiver
BY ENTERING INTO THESE TERMS, YOU AND CYCLES ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO BRING, JOIN, OR PARTICIPATE IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND AS A PLAINTIFF OR CLASS MEMBER. THE FOREGOING APPLIES TO ALL USERS (BOTH NATURAL PERSONS AND ENTITIES), REGARDLESS OF WHETHER YOU HAVE OBTAINED OR USED THE SERVICE FOR PERSONAL, COMMERCIAL, OR OTHER PURPOSES. THIS CLASS ACTION/JURY TRIAL WAIVER APPLIES TO CLASS ARBITRATION, AND, UNLESS WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S OR ENTITY’S CLAIMS. YOU AND CYCLES AGREE THAT THE ARBITRATOR MAY AWARD RELIEF ONLY TO AN INDIVIDUAL CLAIMANT AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF ON YOUR INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED MAY NOT AFFECT OTHER USERS.

18. Error Handling and Dispute Resolution

18.1 User Errors
You are solely responsible for errors resulting from your actions, including but not limited to entering incorrect wallet addresses, losing private keys, sending funds to incorrect addresses, or failing to properly review transaction details before confirmation. Cycles is not responsible for, and cannot reverse, transactions resulting from user error.

18.2 Cycles Errors
In the event of an error attributable to Cycles (such as a system malfunction), please contact us at support@cycles.money. We will investigate the issue and, in our sole discretion, determine appropriate remediation.

18.3 Support
For questions, issues, or disputes regarding the Service, please contact us at support@cycles.money. We will make reasonable efforts to address your concerns in a timely manner.

19. Regulatory Status and Compliance

19.1 Regulatory Status
Cycles is not a bank, money services business, or money transmitter unless expressly registered as such in a particular jurisdiction. Cycles does not take custody of user funds and does not provide banking or money transmission services.

19.2 User Compliance
You are solely responsible for complying with all Applicable Laws in your jurisdiction, including but not limited to laws relating to cryptocurrency, digital assets, taxation, anti-money laundering, and sanctions. The availability of the Service does not constitute an offer or solicitation in any jurisdiction where such offer or solicitation would be unlawful. You represent and warrant that you will not utilize the Service in any manner, that directly or indirectly, conducts, facilitates, funds or otherwise engages in any money laundering or terrorist financing activities or business or in any other manner that would result in a violation by any person, including Cycles, of any applicable law, rule or regulation of any jurisdiction concerning or relating to anti-money laundering, including the USA PATRIOT Act of 2001.

19.3 International Use
The Service is available globally, subject to Applicable Law. Users outside the United States are responsible for compliance with local laws and regulations. We may restrict access to the Service in certain jurisdictions as required by Applicable Law or in our sole discretion.

19.4 Privacy Features and Regulatory Differentiation
(a) Legitimate Privacy Purpose. The Shielded Pool and zero-knowledge proof features described in Section 3.4 are designed to protect user transaction privacy and confidentiality in a manner consistent with Applicable Law. These features are not designed to, and may not be used to, facilitate sanctions evasion, money laundering, terrorist financing, or any other unlawful activity.

(b) Distinction from Sanctioned Protocols. Unlike anonymizing mixing protocols or tumbling services, access to and use of Cycles Pay's privacy features through the Service is provided as part of a compliance-oriented platform that maintains the ability to cooperate with lawful regulatory inquiries. While the Shielded Pool utilizes on-chain technology that may operate on permissionless blockchain networks, Cycles Pay's application-layer access to the Shielded Pool operates within the framework of these Terms, Cycles' compliance policies, and Applicable Law. Users access the Shielded Pool exclusively through the Service, which is subject to the identity verification, compliance screening, and anti-illicit use controls described in Sections 3.10 and 19.4(d).

(c) Cooperation with Law Enforcement and Regulators. Cycles is committed to cooperating with lawful requests from regulatory authorities, law enforcement agencies, and other governmental bodies. To the extent permitted or required by Applicable Law, Cycles may disclose information related to Users, transactions, or Shielded Pool activity in response to valid legal process, including subpoenas, court orders, or regulatory inquiries. Users acknowledge and agree that their use of the Shielded Pool and other privacy features does not exempt them from compliance with Applicable Law or from the reach of lawful governmental inquiries.

(d) Anti-Illicit Use Controls. Cycles maintains and may update from time to time controls and procedures designed to detect and prevent the use of the Service, including the Shielded Pool, for illicit purposes. Such controls may include, without limitation, transaction monitoring, sanctions screening, suspicious activity reporting, and the identity verification and compliance screening procedures described in Section 3.10. Cycles reserves the right to restrict, suspend, or terminate access to the Shielded Pool or any other feature of Cycles Pay for any User or transaction that Cycles reasonably believes may involve illicit activity or may violate Applicable Law.

(e) Prohibited Uses. Without limiting Section 2.2 or any other provision of these Terms, you may not use the Shielded Pool or any other privacy feature of Cycles Pay for the purpose of: (i) evading or circumventing any applicable sanctions, export controls, or trade restrictions; (ii) transacting in or concealing the proceeds of unlawful activity, funding terrorist acts or terrorist groups; (iii) facilitating transactions with sanctioned persons, entities, or jurisdictions; or (iv) any other purpose prohibited by Applicable Law.

20. U.S. Government Restricted Rights
To the extent the Service is being used by or on behalf of the U.S. Government, the Service will be deemed commercial computer software or commercial computer software documentation (as applicable). Accordingly, if you are an agency of the U.S. Government or any contractor therefor, you receive only those rights with respect to the Service as are granted to all other Users hereunder, in accordance with 48 C.F.R. §227.7202 and 48 C.F.R. §12.212, as applicable.

21. Export Controls
You understand and acknowledge that the Service may be subject to export control laws and regulations. You will comply with all applicable import and export and re-export control and trade and economic sanctions laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce, trade and economic sanctions maintained by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”), and the International Traffic in Arms Regulations maintained by the U.S. State Department. You represent and warrant that you are not, and that no person to whom you make the Service available or that is acting on your behalf, or, if you are an Organization, that no person or entity owning 50% or more of your equity securities or other equivalent voting interests or any of your subsidiaries, directors, employees, agents is (a) listed on the List of Specially Designated Nationals and Blocked Persons or on any other list of sanctioned, prohibited, or restricted parties administered by OFAC or by any other governmental entity, or (b) located in, a national or resident of, or a segment of the government of, or accessing the Service from, any country or territory for which the United States maintains broad-based embargoes (which, as of the date of this Agreement, are Crimea, Cuba, Iran, North Korea, the so-called Donetsk People’s Republic, and the so-called Luhansk People’s Republic) or that has been designated by the U.S. Government as a state sponsor of terror or a “terrorist supporting” region. You also represent and warrant that you will not utilize the Service in any manner that, directly or indirectly, conducts, facilitates, funds, or otherwise engages in activities with any person that is the target of any sanctions laws or is located, organized, or resident in any country or territory for which the United States maintains broad-based embargoes or that violates any sanctions or export control laws.

22. General Provisions

22.1 Assignment
These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you without our prior express written consent, but may be assigned by us without restriction. Any attempted transfer or assignment in violation hereof will be null and void.

22.2 Notification Procedures and Changes to these Terms
We may provide notifications to you via email notice or through posting of such notice on the Service, as we determine in our sole discretion. We may modify or update these Terms from time to time, and you should review this page periodically. These Terms apply to and govern your access to and use of the Service effective as of the start of your access to the Service, even if such access began before publication of these Terms. Your continued use of the Service after any change to these Terms constitutes your acceptance of the new Terms of Service. If you do not agree to any part of these Terms or to any future Terms of Service, do not access or use (or continue to access or use) the Service.

22.3 Smart Contract and Protocol Changes
(a) General. We may upgrade, modify, or replace smart contracts and protocols underlying the Service from time to time. Such changes may be necessary for security, functionality, or regulatory reasons.

(b) Notice of Material Changes. A “Material Change” means any upgrade, modification, or replacement of a smart contract or protocol that could reasonably be expected to affect User funds, alter the economic terms or functionality of the Shielded Pool, modify the mechanics of the On-Chain Clearing Feature, or change the rights or obligations of Users under these Terms. We will provide at least [7] days’ advance notice of any Material Change via the Service, email, or our website, except as provided in Section 22.3(c) below.

(c) Emergency Changes. Notwithstanding Section 22.3(b), certain changes may need to be implemented urgently without advance notice in order to address critical security vulnerabilities, respond to an active exploit or attack, comply with a regulatory directive or court order, or prevent imminent loss of User funds (each, an “Emergency Change”). In the event of an Emergency Change, we will provide notice to Users as soon as reasonably practicable after implementation and will publish a post-implementation summary describing the nature of the change, the reason it was classified as an Emergency Change, and its expected impact on Users.

(d) Governance and Safeguards. Cycles maintains internal governance procedures for the review and approval of smart contract and protocol changes. All Material Changes will be reviewed by qualified technical personnel, and where practicable, will be subject to independent security audit prior to deployment. Cycles will maintain documentation of all Material Changes and Emergency Changes, including the authorization, rationale, and technical scope of each change.

(e) User Remedies. If a Material Change is implemented and you do not agree to the change, your sole remedy is to cease using the affected portion of the Service and, if applicable, withdraw your assets from Cycles Pay prior to the effective date of the Material Change.

22.4 Entire Agreement; Severability
These Terms, together with any amendments and any additional agreements you may enter into with us in connection with the Service, will constitute the entire agreement between you and us concerning the Service. Except as otherwise stated in the Arbitration Agreement, if any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision will not affect the validity of the remaining provisions of these Terms, which will remain in full force and effect.

22.5 No Waiver
No waiver of any term of these Terms will be deemed a further or continuing waiver of such term or of any other term, and our failure to assert any right or provision under these Terms will not constitute a waiver of such right or provision.

22.6 California Residents
The provider of the Service is set forth herein. If you are a California resident, in accordance with Cal. Civ. Code §1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting it in writing at 1625 North Market Blvd., Suite N 112 Sacramento, CA 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

22.7 Contact
If you have any questions about these Terms and/or the Service, please contact us at support@cycles.money.