& Conditions Of Use

TERMS OF USE

EFFECTIVE DATE: FEBRUARY 1ST 2020

PLEASE READ THIS AGREEMENT CAREFULLY. IT SETS FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR YOUR USE OF THE SERVICE AND SERVICES AVAILABLE THROUGH THE SERVICE. YOU WAIVE THE ABILITY TO BRING CLAIMS AGAINST US IN A CLASS ACTION FORMAT.

INTRODUCTION

These Terms of Use (“Terms”) govern the website https://ESC.today (including both mobile and online versions) (the “Site”), including your use of interactive features, platforms, collaborator and investor marketplaces, widgets, plug-ins, applications, content, hybrid including public as well as private blockchain ledgers, DLT solutions, downloads and/or other online services that we own and control and that post a link to these Terms (collectively with the Site, the “Service”), which are made available by ESC® / ESI® Group LTD, its subsidiaries and affiliates, including ESC® / ESI® / HUMATION / TOF® Platforms (collectively, the “ESC® Entities” and individually a “ESC® Entity”, “we” “our” or “us”).

By using the Service, you acknowledge and accept the Service’s Privacy Policy and consent to the collection and use of your data in accordance with the Privacy Policy. You acknowledge that the ESC® Entities are not registered broker-dealers, investment advisors or crowdfunding portals and do not engage in any conduct that would require registration with government authorities in any jurisdiction.

NO LEGAL, ACCOUNTING OR TAX ADVICE

The ESC® Entities do not provide legal, accounting, investment or tax advice. Any representation or implication to the contrary is expressly disclaimed. You should consult your own legal, accounting, investment and tax experts before using the Service.

If You Want to Use the Service, then carefully read these entire Terms (including all links to details), as they constitute a written agreement between you and us and they affect your legal rights and obligations. Each time you access and/or use the Service (other than to simply read these Terms), you agree to be bound by and comply with these Terms and any Additional Terms (defined below) then posted. Therefore, do not use the Service if you do not agree.

The business realities associated with operating the Service are such that, without the limitations that are set forth in these Terms, such as your grants and waivers of rights, the limitations on our liability, and your indemnity of us – we would not make the Service available to you.
By accessing and/or using the Service, you agree to be bound by these Terms. In some instances, both these Terms and separate guidelines, rules, or terms of use or sale setting forth additional or different terms and/or conditions will apply to your use of the Service or to a service or product offered via the Service (in each such instance, and collectively “Additional Terms”). To the extent there is a conflict between these Terms and any Additional Terms, the Additional Terms will control unless the Additional Terms expressly state otherwise.
Additionally, certain features and services made available through the Service from time to time may be governed by different terms of use.

Important Notices Applicable to Your Use of the Service

It’s important that you read the entire Terms but here are some of the more significant investment notices that we want to bring to your attention at the outset:

• The laws applicable to private investments and finance are complex. In general, they are designed to protect unsophisticated people from making ill-advised investments. These Terms are designed to minimize the risk to the ESC® Entities if any unsophisticated / unaccredited individuals try to become investors through the Service, and to protect the ESC® Entities in the event that anyone claims he, she or it was damaged by using the Service;

• If you choose to participate, engage and/or invest in certain agreements or collaborations including but not limited to various types the investments made available via the Service, you will enter into various and direct agreements regarding said potential collaborations and/or investments (the “Investment Documents”) between you and the ESC® Entity offering such collaboration facilitation and/or associated investments (the player, party, parties, owner, venue or otherwise known as “Sponsor”). In all events, the commercial transactions which are the subject of the Investment Documents are governed by such Investment Documents and not these Terms, and in the event of any conflict between the terms of the Investment Documents and these Terms, the Investment Documents will control.

• Neither the information nor any opinion expressed on the Service constitutes an offer by the ESC® Entities to buy or sell any securities or financial instruments or provide any investment advice or related services. None of the Services shall be construed as an offer to buy, or the solicitation of an offer to sell, any securities. Investments can and do lose money and you should be prepared to lose your entire investment in any investment made available by the ESC® Entities.

• The information provided on the Service by us or our users about investment opportunities may not be available to or suitable for you. Not all strategies are appropriate at all times. The ESC® Entities are not obligated to perform, and has not performed, an analysis of investor suitability with respect to the investments available through the Service.

• The opinions expressed on the Service by us or our users do not constitute investment advice. Independent professional advice should be sought in all cases before investing in an opportunity offered on or through the Service. The value and income of any of the investing opportunities mentioned on the Service by us or users can fall as well as rise and an investor may get back less than he or she invested or nothing at all. Past performance is not necessarily a guide to future performance. The investment opportunities mentioned on the Service may often have tax consequences; therefore, it is important to bear in mind that we do not provide tax advice. The levels and bases of taxation can change. Investors’ tax affairs are their own responsibility and investors should consult their own attorneys or other tax advisors in order to understand the tax consequences of any investments mentioned on the Service. ESC® Entities do not endorse or recommend any of the companies or investments included on the Service.

• The ESC® Entities do not offer legal advice. You are encouraged to seek legal counsel prior to investing or using the Service.

• The ESC® Entities reserves the right to reject, cancel, interrupt, remove, or suspend any investment posted on the Service at any time and for any reason. ESC® Entities are not liable for any damages as a result of any of those actions. ESC® Entities’ policy is not to comment on the reasons for any of those actions.

• The ESC® Entities are not liable for any damages or loss incurred related to investments, loans or any other use of the Service. All dealings are solely between users. The ESC® Entities are under no obligation to become involved in disputes between any users, or between users and any third party. This includes, but is not limited to, delivery of capital, goods and services, and any other terms, conditions, warranties, or representations associated with investments available on the Service. The ESC® Entities do not oversee the performance or punctuality of investment opportunities. The ESC® Entities do not guarantee the completion of any investment opportunity stated to be undertaken by any company or warrant the outcome or success of any investment or any company.

• ESC® Entities maintains commercial relationships with certain third parties and advertisers (“Third Parties”). These Third Parties may market or sell their own promotions and services on, or through, the Services. You are not required to participate in these promotions or transact business with any of these Third Parties. You may be required to make a payment in order to obtain some of these services or participate in some of these promotions. Your payments to participate in these Third Party offerings are made to the relevant Third Party. ESC® Entities are not responsible for the administration or application of any payments required by the Third Parties for their independent services or promotions. Further, ESC® Entities are not responsible for the performance or nonperformance of any of the Third Parties. ESC® Entities shall not be liable for any loss or damages suffered or incurred by you as the result of your dealings with the Third Parties.

Service Content, Ownership, Limited License and Rights of Others

• Content. The Service contains a variety of: i. materials and other items relating to and posted by the ESC® Entities, and their products and services, and similar items from our licensors and other third parties, including all layout, information, articles, posts, text, data, files, images, scripts, designs, graphics, button icons, instructions, illustrations, photographs, audio clips, music, sounds, pictures, videos, advertising copy, URLs, technology, software, interactive features, the “look and feel” of the Service, and the compilation, assembly, and arrangement of the materials of the Service and any and all copyrightable material (including source and object code); ii. trademarks, trade dress, logos, trade names, service marks, and/or trade identities of various parties, including those of the ESC® Entities (collectively, “Trademarks”); and iii. other forms of intellectual property (all of the foregoing, collectively “Content”).

• Ownership. The Service (including past, present, and future versions) and the Content are owned or controlled by the ESC® Entities, our licensors and/or certain other third parties. All right, title, and interest in and to the Content available via the Service is the property of the ESC® Entities or our licensors or certain other third parties, and is protected by various international copyright, trademark, trade dress, patent, and/or other intellectual property and unfair competition rights and laws to the fullest extent possible. The ESC® Entities own the copyright in the selection, compilation, assembly, arrangement, and enhancement of the Content on the Service.

• Limited License. Subject to your strict compliance with these Terms and any Additional Terms, the ESC® Entities grant you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable license to: download (temporary storage only), display, view, use, play, and/or print one copy of the Content (excluding source and object code in raw form or otherwise, other than as made available to access and use to enable display and functionality) on a personal computer, mobile phone or other wireless device, or other Internet enabled device (each, a “Device”) for your personal, non-commercial use only. The foregoing limited license: i. does not give you any ownership of, or any other intellectual property interest in, any Content, and ii. may be immediately suspended or terminated for any reason, in the ESC® Entities’ sole discretion, and without advance notice or liability. In some instances, we may permit you to have greater access to and use of Content, subject to certain Additional Terms.

• Rights of Others. When using the Service, you must respect the intellectual property and other rights of the ESC® Entities and others. Your unauthorized use of Content may violate copyright, trademark, privacy, publicity, communications, and other laws, and any such use may result in your personal liability, including potential criminal liability.
Service and Content Use Restrictions

• Service Use Restrictions. You agree that you will not:

i. use the Service for any political or commercial purpose (including, without limitation, for purposes of advertising, soliciting funds, and selling products);

ii. use any meta tags or any other “hidden text” utilizing any Trademarks;

iii. engage in any activities through or in connection with the Service that seek to attempt to or do harm any individuals or entities or are unlawful, offensive, obscene, lewd, lascivious, filthy, violent, threatening, bullying, harassing, or abusive, or that violate any right of any third party, or are otherwise objectionable to the ESC® Entities;

iv. reverse engineer, decompile, disassemble, reverse assemble, or modify any Service source or object code or any software or other products, services, or processes accessible through any portion of the Service;

v. engage in any activity that interferes with a user’s access to the Service or the proper operation of the Service, or otherwise causes harm to the Service, the ESC® Entities, or other users of the Service;

vi. interfere with or circumvent any security feature of the Service or any feature that restricts or enforces limitations on use of or access to the Service, the Content, or the User Content (defined below);

vii. harvest or otherwise collect or store any information (including personally identifiable information about other users of the Service, including email addresses, without the express consent of such users);

viii. attempt to gain unauthorized access to the Service, other computer systems or networks connected to the Service, through password mining or any other means; or ix.) otherwise violate these Terms or any Additional Terms.

• Content Use Restrictions. You also agree that, in using the Service:

i. you will not monitor, gather, copy, or distribute the Content (except as may be a result of standard search engine activity or use of a standard browser) on the Service by using any robot, rover, “bot”, spider, scraper, crawler, spyware, engine, device, software, extraction tool, or any other automatic device, utility, or manual process of any kind;

ii. you will not frame or utilize framing techniques to enclose any such Content (including any images, text, or page layout);

iii. you will keep intact all Trademark, copyright, and other intellectual property notices contained in such Content;

iv. you will not use such Content in a manner that suggests an unauthorized association with any of our or our licensors’ products, services, or brands;

v. you will not make any modifications to such Content;

vi. you will not copy, modify, reproduce, archive, sell, lease, rent, exchange, create derivative works from, publish by hard copy or electronic means, publicly perform, display, disseminate, distribute, broadcast, retransmit, circulate or transfer to any third party or on any third-party application or website, or otherwise use or exploit such Content in any way for any purpose except as specifically permitted by these Terms or any Additional Terms or with the prior written consent of an officer of the ESC® Entities or, in the case of Content from a licensor, the owner of the Content; and

vii. you will not insert any code or product to manipulate such Content in any way that adversely affects any user experience.

• Availability of Service and Content. The ESC® Entities may immediately suspend or terminate the availability of the Service and Content (and any elements and features of them), in whole or in part, for any reason, in the ESC® Entities’ sole discretion, and without advance notice or liability.

• Reservation of All Rights Not Granted as to Content and Service. These Terms and any Additional Terms include only narrow, limited grants of rights to Content and to use and access the Service. No right or license may be construed, under any legal theory, by implication, estoppel, industry custom, or otherwise. All rights not expressly granted to you are reserved by the ESC® Entities and its licensors and other third parties. Any unauthorized use of any Content or the Service for any purpose is prohibited.

ACCOUNTS AND ELIGIBILITY

• Accounts. By accessing or using the Service in any manner, you become a Service user. Users who have or represent a business or commercial-related enterprise that wish to invest in the ESC® Entities’ offerings may elect to create a profile for themselves or for an entity they create for investment purposes. The Service connects accredited investors with investment and/or collaboration opportunities and efficiently communicates with collaborators and/or investors, distributes collaboration and/or investment documents and centralizes ongoing relations. Users visit the Service to learn, create profiles, browse, form collaborations and/or invest. In order to access or use some (or potentially all) of the features on the Service, you may be required to first register for a user or company account through our registration process that we make available through the Service. The Service’s practices governing any resulting collection and use of your personal information are disclosed in our Privacy Policy. If you register for any feature that requires a password and/or username, then you will select your own password at the time of registration (or we may send you an e-mail notification with a randomly generated initial password) and you agree that:

i. You will not use a username (or e-mail address) that is already being used by someone else, may impersonate another person, belongs to another person, violates the intellectual property or other right of any person or entity, or is offensive. We may reject the use of any password, username, or e-mail address for any other reason in our sole discretion;

ii. You will provide true, accurate, current, and complete registration information about yourself in connection with the registration process and, as permitted, to maintain and update it continuously and promptly to keep it accurate, current, and complete;

iii. You are solely responsible for all activities that occur under your account, password, and username – whether or not you authorized the activity;

iv. You are solely responsible for maintaining the confidentiality of your password and for restricting access to your Device so that others may not access any password protected portion of the Service using your name, username, or password;

v. You will immediately notify us of any unauthorized use of your account, password, or username, or any other breach of security; and

vi. You will not sell, transfer, or assign your account or any account rights.

We will not be liable for any loss or damage (of any kind and under any legal theory) to you or any third party arising from your inability or failure for any reason to comply with any of the foregoing obligations. If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violates these Terms, any Additional Terms, or any applicable law, then we may suspend or terminate your account. We also reserve the more general and broad right to terminate your account or suspend or otherwise deny you access to it or its benefits – all in our sole discretion, for any reason, and without advance notice or liability.

• Accredited Investor and/or Collaborator. Select securities offered on some portions of this Service may only be purchased by Accredited Investors, as defined by Rule 501 of Regulation D under the Securities Act of 1933, as amended. Federal law and regulations restrict investment in any of the securities offerings by non-accredited investors. Before you can invest in any of the securities offerings on the Service, you must register with the Service and qualify as an “Accredited Investor.” Prior to investing, you may be asked to fill out a certification and provide necessary documentation as proof of your income and/or net worth to verify your status as an accredited investor. You acknowledge and agree that all information you provide for the registration is complete and accurate.

YOU MUST BE AN ACCREDITED INVESTOR TO INVEST IN ANY OFFERING POSTED ON THE SERVICE AND PROVIDE THIRD PARTY VERIFICATION. WE ARE ENTITLED TO AND WILL RELY UPON YOUR REPRESENTATIONS.

You agree that, should any material changes occur that might affect your status as an Accredited Investor, you shall immediately provide us with such information in writing.

• Other Eligibility Requirements. The Service is available only to individuals who are at least 18 years of age and the age of majority in their jurisdiction of residence. You represent and warrant that if you are an individual, you are at least 18 years of age and the age of majority in your jurisdiction of residence, that you are fully able and competent to enter into the terms and conditions set forth in these Terms and other agreements on the Service, and that all registration information you submit is accurate and truthful. If you are an entity applying to participate in an investment transaction using the Service, you represent and warrant that the investment is being conducted by a legal U.S. entity, including, but not limited to, limited liability companies, corporations, and limited liability partnerships that is registered to conduct business in its state of incorporation / formation. The ESC® Entities may, in their sole discretion, refuse to offer the Service to any person or entity and the ESC® Entities may, in their sole discretion, change its eligibility criteria at any time. If you enter the Service as a business borrower representative, create a business borrower profile, or hold yourself out as a representative or agent of a current or prospective business borrower, you represent and certify that you are authorized to act on behalf of the business borrower with full authority to represent the business borrower and form binding legal commitments on behalf of the business borrower, to include the authority to enter into legally binding debt agreements.

FEEDBACK YOU SUBMIT

• General. The ESC® Entities may now or in the future offer users of the Service the opportunity to post, upload, display, publish, distribute, transmit or otherwise make available on or submit through the Service, messages, text, files, comments, responses, information, content, results, reviews, suggestions, personally identifiable information, or other information or materials and the ideas contained therein (collectively, “User Content”). The ESC® Entities may allow you to do this through contact us, email, and other communications functionality. Subject to the rights and license you grant in these Terms, you retain whatever legally cognizable right, title, and interest that you have in your User Content and you remain ultimately responsible for it.

• Non-Confidentiality of Your User Content. Except as otherwise described in the Service’s posted Privacy Policy or any Additional Terms, you agree that:

a. your User Content (which, to be clear, does not include your personal information) will be treated as non-confidential – regardless of whether you mark them “confidential,” “proprietary,” or the like – and will not be returned; and

b. the ESC® Entities do not assume any obligation of any kind to you or any third party with respect to your User Content.

Upon the ESC® Entities’ request, you will furnish us with any documentation necessary to substantiate the rights to such content and to verify your compliance with these Terms or any Additional Terms. You acknowledge that the Internet and mobile communications may be subject to breaches of security and that you are aware that submissions of User Content may not be secure, and you will consider this before submitting any User Content and do so at your own risk. In your communications with the ESC® Entities, please keep in mind that we do not seek any unsolicited ideas or materials for products or services, or even suggested improvements to products or services, including, without limitation, ideas, concepts, inventions, or designs for websites, recipes, products or otherwise (collectively, “Unsolicited Ideas and Materials”). Any Unsolicited Ideas and Materials you post on or send to us via the Service are deemed User Content and licensed to us as set forth below. In addition, the ESC® Entities retain all of the rights held by members of the general public with regard to your Unsolicited Ideas and Materials. The ESC® Entities’ receipt of your Unsolicited Ideas and Materials is not an admission by the ESC® Entities of their novelty, priority, or originality, and it does not impair the ESC® Entities’ right to contest existing or future intellectual property rights relating to your Unsolicited Ideas and Materials.

• License to the ESC® Entities of Your User Content. Except as otherwise described in any applicable Additional Terms, which specifically govern the submission of your User Content, you hereby grant to the ESC® Entities, and you agree to grant to the ESC® Entities, the non-exclusive, unrestricted, unconditional, unlimited, worldwide, irrevocable, perpetual, and cost-free right and license to use, copy, record, distribute, reproduce, disclose, sell, re-sell, sublicense (through multiple levels), display, publicly perform, transmit, publish, broadcast, translate, make derivative works of, and otherwise use and exploit in any manner whatsoever, all or any portion of your User Content (and derivative works thereof), for any purpose whatsoever in all formats, on or through any means or medium now known or hereafter developed, and with any technology or devices now known or hereafter developed, and to advertise, market, and promote the same. Without limitation, the granted rights include the right to:

a. configure, host, index, cache, archive, store, digitize, compress, optimize, modify, reformat, edit, adapt, publish in searchable format, and remove such User Content and combine same with other materials, and

b. use any ideas, concepts, know-how, or techniques contained in any User Content for any purposes whatsoever, including developing, producing, and marketing products and/or services.
In order to further effect the rights and license that you grant to the ESC® Entities to your User Content, you also hereby grant to the ESC® Entities, and agree to grant to the ESC® Entities, the unconditional, perpetual, irrevocable right to use and exploit your name, persona, and likeness in connection with any User Content, without any obligation or remuneration to you. Except as prohibited by law, you hereby waive, and you agree to waive, any moral rights (including attribution and integrity) that you may have in any User Content, even if it is altered or changed in a manner not agreeable to you. To the extent not waivable, you irrevocably agree not to exercise such rights (if any) in a manner that interferes with any exercise of the granted rights. You understand that you will not receive any fees, sums, consideration, or remuneration for any of the rights granted in this Section 5(C).

NOTICES AND QUESTIONS

You agree that:

i. we may give you notices of new, revised or changed terms and other important matters by prominently posting notice on the homepage of the Service, or in another reasonable manner that we may elect; and

ii. we may contact you by mail or email sent to the address provided by you.

You agree to promptly notify us if you change your email or mailing address by updating your account information. If you have a question regarding using the Service, you may contact us at [email protected] You acknowledge that the provision of customer support is at the ESC® Entities’ sole discretion and that we have no obligation to provide you with customer support of any kind.

LINKS BY YOU TO THE SERVICE

We grant you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable license to create hyperlinks to the Service, so long as:

a. the links only incorporate text, and do not use any Trademarks,

b. the links and the content on your website do not suggest any affiliation with the ESC® Entities or cause any other confusion, and

c. the links and the content on your website do not portray the ESC® Entities or their products or services in a false, misleading, derogatory, or otherwise offensive matter, and do not contain content that is unlawful, offensive, obscene, lewd, lascivious, filthy, violent, threatening, harassing, or abusive, or that violate any right of any third party or are otherwise objectionable to the ESC® Entities.

The ESC® Entities reserve the right to suspend or prohibit linking to the Service for any reason, in its sole discretion, without advance notice or any liability of any kind to you or any third party.

LINKED-TO WEBSITES; ADVERTISEMENTS; DEALINGS WITH THIRD PARTIES

• Linked Services; Advertisements. The Service may contain links, as part of third-party ads on the Service or otherwise, to or from third-party websites (“Linked Services”), including websites operated by advertisers, licensors, licensees, recruitment services and certain other third parties who may have business relationships with the ESC® Entities. The ESC® Entities may have no control over the content, operations, policies, terms, or other elements of Linked Services, and the ESC® Entities do not assume any obligation to review any Linked Services. The ESC® Entities do not endorse, approve, or sponsor any Linked Services, or any third-party content, advertising, information, materials, products, services, or other items. Furthermore, the ESC® Entities are not responsible for the quality or delivery of the products or services offered, accessed, obtained by or advertised at such Services. Finally, the ESC® Entities will under no circumstances be liable for any direct, indirect, incidental or special loss or other damage, whether arising from negligence, breach of contract, defamation, infringement of copyright or other intellectual property rights, caused by the exhibition, distribution or exploitation of any information or content contained within these third-party Linked Services. Any activities you engage in connection with any of the same are subject to the privacy and other policies, terms and conditions of use and/or sale, and rules issued by the operator of the Linked Services. The ESC® Entities disclaim all liability in connection therewith.

• Dealings with Third Parties. Any interactions, correspondence, transactions, and other dealings that you have with any third parties found on or through the Service (including on or via Linked Services or advertisements) are solely between you and the third party (including issues related to the content of third-party advertisements, payments, delivery of goods, warranties (including product warranties), privacy and data security, and the like). The ESC® Entities disclaim all liability in connection therewith.

WIRELESS FEATURES

• Wireless Features. The Service may offer certain features and services that are available to you via your wireless Device. These features and services may include the ability to access the Service’s features and upload content to the Service, receive messages from the Service, and download applications to your wireless Device (collectively, “Wireless Features”). Standard messaging, data, and other fees may be charged by your carrier to participate in Wireless Features. Fees and charges may appear on your wireless bill or be deducted from your pre-paid balance. Your carrier may prohibit or restrict certain Wireless Features and certain Wireless Features may be incompatible with your carrier or wireless Device. You should check with your carrier to find out what plans are available and how much they cost. Contact your carrier with questions regarding these issues.

• Terms of Wireless Features. You agree that as to the Wireless Features for which you are registered, we may send communications to your wireless Device regarding us or other parties. Further, we may collect information related to your use of the Wireless Features. If you have registered via the Service for Wireless Features, then you agree to notify us of any changes to your wireless contact information (including phone number) and update your accounts on the Service to reflect the changes.

Dispute Resolution

• First – Try to Resolve Disputes and Excluded Disputes. If any controversy, allegation, or claim arises out of or relates to the Service, the Content, your User Content, these Terms, or any Additional Terms, whether heretofore or hereafter arising (collectively, “Dispute”), or to any of the ESC® Entities’ actual or alleged intellectual property rights (an “Excluded Dispute”), which includes those actions set forth in Section 10(D), then you and we agree to send a written notice to the other providing a reasonable description of the Dispute or Excluded Dispute, along with a proposed resolution of it. Our notice to you will be sent to you based on the most recent contact information that you provide us. But if no such information exists or if such information is not current, then we have no obligation under this Section 10(A). Your notice to us must be sent via email to: [email protected]

• For a period of sixty (60) days from the date of receipt of notice from the other party, such ESC® Entity and you will engage in a dialogue in order to attempt to resolve the Dispute or Excluded Dispute, though nothing will require either you or any of the ESC® Entities to resolve the Dispute or Excluded Dispute on terms with respect to which you and any of the ESC® Entities, in each of our sole discretion, are not comfortable.

• Jurisdiction and Venue. If we cannot resolve a Dispute or Excluded Dispute as set forth in Section 10(A) within sixty (60) days of receipt of the notice, then each party to this Agreement, by its execution hereof, hereby a. irrevocably submits to the exclusive jurisdiction of Hong Kong, SAR China, for the purpose of any and all suits, actions and proceedings arising in whole or in part out of, related to, based upon or in connection with this Agreement or the subject matter hereof actions (whether sounding in contract, tort, statute or otherwise), b. waives, and agrees not to assert, by way of motion, as a defense or otherwise, in any such suit, action or proceeding any claim that it is not subject personally to the jurisdiction of the above-named courts, that its property is exempt or immune from attachment or execution, that any such suit, action or proceeding brought in one of the above-named courts should be dismissed on grounds of improper venue or forum non conveniens, should be transferred or removed to any court other than one of the above-named courts, or should be stayed by reason of the pendency of some other suit, action or proceeding in any other court other than one of the above-named courts, or that this Agreement or the subject matter hereof may not be enforced in or by such court and (c) agrees not to commence or prosecute any such suit, action or proceeding other than before one of the above-named courts nor to make any motion or take any other action seeking or intending to cause the transfer or removal of any such suit, action or proceeding to any court other than one of the above-named courts whether on the grounds of lack of personal jurisdiction, improper venue, inconvenient forum or otherwise.

• Limited Time to File Claims. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IF YOU OR WE WANT TO ASSERT A DISPUTE (BUT NOT A EXCLUDED DISPUTE) AGAINST THE OTHER, THEN YOU OR WE MUST COMMENCE IT (BY DELIVERY OF WRITTEN NOTICE AS SET FORTH IN SECTION 10(A)) WITHIN ONE (1) YEAR AFTER THE DISPUTE ARISES — OR IT WILL BE FOREVER BARRED. Commencing means, as applicable: a. by delivery of written notice as set forth above in Section 10(A); or b. filing an action in local, state, Federal or provincial court.

• Injunctive Relief. The provisions of this Section 10(A) and 10(C) will not apply to any legal action taken by the ESC® Entities to seek an injunction or other equitable relief in connection with, any loss, cost, or damage (or any potential loss, cost, or damage) relating to the Service, any Content, your User Content and/or the ESC® Entities’ intellectual property rights (including such the ESC® Entities may claim that may be in dispute), the ESC® Entities’ operations, and/or the ESC® Entities’ products or services.

• No Class Action Matters. YOU AND THE ESC® ENTITIES AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING OR AS AN ASSOCIATION. Disputes will be resolved only on an individual basis and will not be joined or consolidated with any other proceedings that involve any claim or controversy of any other party. There shall be no right or authority for any Dispute to be resolved on a class action basis or on any basis involving Disputes brought in a purported representative capacity on behalf of the general public, or other persons or entities similarly situated.

• Governing Law. These Terms and any Additional Terms will be governed by and construed in accordance with, and any Dispute and Excluded Dispute will be resolved in accordance with the laws of Hong Kong, SAR China, without regard to its conflicts of law provisions.
DISCLAIMER OF REPRESENTATIONS AND WARRANTIES

YOUR ACCESS TO AND USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS”, “AS AVAILABLE”, AND “WITH ALL FAULTS” BASIS.

Therefore, to the fullest extent permissible by law, the ESC® Entities, any of their parent company and subsidiaries, and each of their respective employees, officers, directors, members, managers, shareholders, agents, Sponsors, vendors, licensors, licensees, contractors, customers, successors, and assigns (collectively, the “the ESC® Parties”), hereby disclaim and make no representations, warranties, endorsements, or promises, express or implied, as to:

1. The Service (including the Content and the User Content);

2. The functions, features, or any other elements on, or made accessible through, the Service;

3. Any products, services, investments, loans, transactions or instructions offered or referenced at or linked through the Service;

4. Security associated with the transmission of your User Content transmitted to the ESC® Entities via the Service;

5. Whether the Service or the servers that make the Service available are free from any harmful components (including viruses, Trojan horses, and other technologies that could adversely impact your Device);

6. Whether the information (including any instructions) on the Service is accurate, complete, correct, adequate, useful, timely, or reliable;

7. Whether any defects to, or errors on, the Service will be repaired or corrected;

8. Whether your access to the Service will be uninterrupted;

9. Whether the Service will be available at any particular time or location; and

10. Whether your use of the Service is lawful in any particular jurisdiction.

EXCEPT FOR ANY SPECIFIC WARRANTIES PROVIDED HEREIN OR IN ADDITIONAL TERMS PROVIDED BY A ESC® PARTY, TO THE EXTENT PERMITTED BY APPLICABLE LAW, THE ESC® PARTIES HEREBY FURTHER DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR MISAPPROPRIATION OF INTELLECTUAL PROPERTY RIGHTS OF THIRD PARTIES, TITLE, CUSTOM, TRADE, QUIET ENJOYMENT, SYSTEM INTEGRATION, AND FREEDOM FROM COMPUTER VIRUS.

Some jurisdictions limit or do not allow the disclaimer of implied or other warranties so the above disclaimers may not apply to the extent such jurisdictions’ laws are applicable.

Further, we are not responsible for the conduct, whether online or offline, of any user of the Service. You assume all risk when using the Service, including, but not limited to, all of the risks associated with any online or offline interactions with other users, including investing from a company you meet through the Service. You agree to take all necessary precautions if you choose to contact, communicate and/or meet an individual through the Service. YOU UNDERSTAND THAT WE DO NOT CONDUCT BACKGROUND OR OTHER CRIMINAL BACKGROUND SCREENINGS ON OUR USERS OR ATTEMPT TO VERIFY THE STATEMENTS OF ITS USERS. WE RESERVE THE RIGHT TO CONDUCT ANY CRIMINAL BACKGROUND CHECK OR OTHER SCREENINGS, AT ANY TIME AND USING AVAILABLE PUBLIC RECORDS.

The featuring of businesses, companies and/or investors on the Service does not constitute endorsement by the ESC® Entities or representation of the quality of any potential investment in such parties. The ESC® Entities do not endorse any user or company.

The ESC® Entities shall not be liable for any investment decisions made based upon Content or User Content. Users agree that any reliance upon any Content, User Content or information distributed through, posted on or accessed from the Service is at your sole risk. The ESC® Entities are entitled to rely upon the information provided by its users. The ESC® Entities cannot guarantee that companies/investments on the Service will use the proceeds of any raise in accordance with the stated purpose. Users acknowledge and agree that the ESC® Entities do not provide any representation, warranty or assurance that the offering on the Service are made in accordance with state and/or Federal securities law. The ESC® Entities make no representation or warranties regarding the legality or compliance of any offering posted on the Service.

• The securities offered on the Service are only suitable for Accredited Collaborators and/or Investors who are familiar with and willing to accept the high risks associated with private collaborations and/or investments, including the risk of complete loss of your investment(s). Securities sold through private placements are not publicly traded and, therefore, are illiquid unless registered with the SEC. Additionally, securities may be subject to restrictions on resale or transfer including holding period requirements. Investing in private placements requires high risk tolerance, low liquidity need, and long-term commitments. Users must be able to afford to lose their entire investment. Investment products are not FDIC insured, may lose value, and there is no bank guarantee. None of the information contained on the Service or provided through the Service constitutes a recommendation, solicitation or offer by the ESC® Entities, their affiliates or third-parties to buy or sell any securities, futures, options or other financial instruments or other assets or provide any investment advice or service. All information contained in the Service has been prepared without reference to any particular user’s investment requirements or financial situation. The Service is not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority, regulatory or self-regulatory organization or clearing organization, or where the ESC® Entities are not authorized to provide such information or services.

LIMITATIONS OF OUR LIABILITY

TO THE EXTENT PERMITTED UNDER ANY APPLICABLE LAW, UNDER NO CIRCUMSTANCES WILL ANY OF THE ESC® PARTIES BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND, including personal injury or death or for any direct, indirect, economic, exemplary, special, punitive, incidental, or consequential losses or damages that are directly or indirectly related to:

1. The Service (including the Content and the User Content, including, without limitation, any borrowers, lenders or investors you meet based on listings or recommendations made on the Service);

2. Your use of or inability to use the Service, or the performance of the Service;

3. Any action taken in connection with an investigation by the ESC® Parties or law enforcement authorities regarding your access to or use of the Service;

4. Any action taken in connection with copyright or other intellectual property owners or other rights owners;

5. Any errors or omissions in the Service’s technical operation; or

6. Any damage to any user’s computer, hardware, software, modem, or other equipment or technology, including damage from any security breach or from any virus, bugs, tampering, fraud, error, omission, interruption, defect, delay in operation or transmission, computer line, or network failure or any other technical or other malfunction, including losses or damages in the form of lost profits, loss of goodwill, loss of data, work stoppage, accuracy of results, or equipment failure or malfunction.

The foregoing limitations of liability will apply even if any of the foregoing events or circumstances were foreseeable and even if the ESC® Parties were advised of or should have known of the possibility of such losses or damages, regardless of whether you bring an action based in contract, negligence, strict liability, or tort (including whether caused, in whole or in part, by negligence, acts of god, telecommunications failure, or destruction of the Service). Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages of the sort that are described above, so the above limitation or exclusion may not apply to you. EXCEPT AS MAY BE PROVIDED IN ANY ADDITIONAL TERMS, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE ESC® PARTIES’ TOTAL LIABILITY TO YOU, FOR ALL POSSIBLE DAMAGES, LOSSES, AND CAUSES OF ACTION IN CONNECTION WITH YOUR ACCESS TO AND USE OF THE SERVICE AND YOUR RIGHTS UNDER THESE TERMS, EXCEED AN AMOUNT EQUAL TO THE AMOUNT YOU HAVE PAID THE ESC® PARTIES TO ACCESS THE SERVICE OR IN CONNECTION WITH THE TRANSACTION(S) THAT UNDERLIE THE CLAIM(S); PROVIDED, HOWEVER, THIS PROVISION WILL NOT APPLY IF A TRIBUNAL WITH APPLICABLE JURISDICTION FINDS SUCH TO BE UNCONSCIONABLE. FOR PURPOSES OF CLARITY, THE PRIOR SENTENCE DOES NOT EXPAND OR LIMIT ANY EXPRESS, WRITTEN PRODUCT WARRANTY THAT IS PROVIDED BY US.

You further understand and expressly agree that all rights under Section 1542 of the Civil Code of California (“Section 1542”) and any similar law of any state or territory of the United States that may be applicable with respect to the foregoing release are hereby expressly and forever waived. You acknowledge that Section 1542 provides that: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR 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 MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.” The releases hereunder are intended to apply to all claims not known or suspected to exist with the intent of waiving the effect of laws requiring the intent to release future unknown claims.

Waiver of Injunctive or Other Equitable Relief

IF YOU CLAIM THAT YOU HAVE INCURRED ANY LOSS, DAMAGES, OR INJURIES IN CONNECTION WITH YOUR USE OF THE SERVICE, THEN THE LOSSES, DAMAGES, AND INJURIES WILL NOT BE IRREPARABLE OR SUFFICIENT TO ENTITLE YOU TO AN INJUNCTION OR TO OTHER EQUITABLE RELIEF OF ANY KIND. THIS MEANS THAT, IN CONNECTION WITH YOUR CLAIM, YOU AGREE THAT YOU WILL NOT SEEK, AND THAT YOU WILL NOT BE PERMITTED TO OBTAIN, ANY COURT OR OTHER ACTION THAT MAY INTERFERE WITH OR PREVENT THE DEVELOPMENT OR EXPLOITATION OF ANY WEBSITE, APPLICATION, CONTENT, USER CONTENT, PRODUCT, SERVICE, OR INTELLECTUAL PROPERTY OWNED, LICENSED, USED OR CONTROLLED BY THE ESC® ENTITIES (INCLUDING YOUR LICENSED USER CONTENT) OR A LICENSOR OF THE ESC® ENTITIES.

Updates to Terms

These Terms (or if applicable Additional Terms), in the form posted at the time of your use of the applicable services to which it applies, shall govern such use (including transactions entered during such use). AS OUR SERVICE EVOLVES, THE TERMS AND CONDITIONS UNDER WHICH WE OFFER THE SERVICE MAY PROSPECTIVELY BE MODIFIED AND WE MAY CEASE OFFERING THE SERVICE UNDER THE TERMS OR ADDITIONAL TERMS FOR WHICH THEY WERE PREVIOUSLY OFFERED. ACCORDINGLY, EACH TIME YOU SIGN IN TO OR OTHERWISE USE THE SERVICE YOU ARE ENTERING INTO A NEW AGREEMENT WITH US ON THE THEN APPLICABLE TERMS AND CONDITIONS AND YOU AGREE THAT WE MAY NOTIFY YOU OF OTHER TERMS BY POSTING THEM ON THE SERVICE (OR IN ANY OTHER REASONABLE MANNER OF NOTICE WHICH WE ELECT), AND THAT YOUR USE OF THE SERVICE AFTER SUCH NOTICE CONSTITUTES YOUR GOING FORWARD AGREEMENT TO THE OTHER TERMS FOR YOUR NEW USE AND TRANSACTIONS. Therefore, you should review the posted terms of use and any applicable Additional Terms each time you use the Service (at least prior to each transaction or submission). The Additional Terms will be effective as to new use and transactions as of the time that we post them, or such later date as may be specified in them or in other notice to you. However, the Terms (and any applicable Additional Terms) that applied when you previously used the Service will continue to apply to such prior use (i.e., changes and additions are prospective only) unless mutually agreed. In the event any notice to you of new, revised or additional terms is determined by a tribunal to be insufficient, the prior agreement shall continue until sufficient notice to establish a new agreement occurs. You should frequently check the home page and the email you associated with your account for notices, and you agree that the means set forth in these Terms are all reasonable manners of providing you with notice. You can reject any new, revised or Additional Terms by discontinuing use of the Service and related services.

General Provisions

• The ESC® Entities’ Consent or Approval. As to any provision in these Terms or any Additional Terms that grant the ESC® Entities a right of consent or approval, or permits the ESC® Entities to exercise a right in its “sole discretion,” the ESC® Entities may exercise that right in its sole and absolute discretion. No opt-in consent or approval may be deemed to have been granted by the ESC® Entities without being in writing and signed by an officer of the ESC® Entities.

• Indemnity. By using and/or accessing the Service, and by consenting to these Terms, you agree to defend (at the ESC® Entities’ option), indemnify, and hold harmless the ESC® Entities, their parent company, affiliates and subsidiaries, and each of their respective directors, officers, employees, shareholders, managers, agents, vendors, licensors, licensees, contractors, partners and suppliers, and successors and assigns from and against any and all liabilities, lawsuits, actions (civil, criminal, government or otherwise), claims, damages, losses, costs, investigations (such as by local, state and federal governmental agencies like the SEC), judgments, fines, penalties, settlements, and expenses, including reasonable attorneys’ fees, that directly or indirectly arise from or are related to: i. any offering, investment opportunity, raise, direct raise, transaction, and Content posted or otherwise associated with you, your company or your account on the Service, ii. your User Content; iii. your use of the Service and your activities in connection with the Service; iv. your breach or alleged breach of these Terms or any Additional Terms; v. your violation or alleged violation of any laws, rules, regulations, codes, statutes, ordinances, or orders of any governmental or quasi-governmental authorities in connection with your use of the Service or your activities in connection with the Service; vi. information or material transmitted through your Device, even if not submitted by you, that infringes, violates, or misappropriates any copyright, trademark, trade secret, trade dress, patent, publicity, privacy, or other right of any person or entity; vii. any misrepresentation made by you; and viii. the ESC® Entities’ use of the information that you submit to us (including your User Content) (all of the foregoing, “Claims and Losses”). The ESC® Entities reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with the ESC® Entities in asserting any available defenses. Notwithstanding the foregoing, the ESC® Entities retain the exclusive right to settle, compromise, and pay any and all Claims and Losses. You will not settle any Claims and Losses without, in each instance, the prior written consent of an officer of the ESC® Entities.

• Operation of Service; Availability of Products and Services; International Issues. The ESC® Entities make no representation that the Service is appropriate or available for use beyond the certain jurisdictions. If you use the Service from other locations, you are doing so on your own initiative and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. We reserve the right to limit the availability of the Service and/or the provision of any content, program, product, service, or other feature described or available on the Service to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, product, service, or other feature that we provide. You and we disclaim any application to these Terms of the Convention on Contracts for the International Sale of Goods.

• Holds. Funds that you transmit to us generally will be available for withdrawal within two to seven banking days of our bank receiving the funds. Funds availability may be delayed for longer periods in certain circumstances, including without limitation withdrawal requests made close in time to deposits, our requesting confirmation of accredited investor status, and account review by our internal compliance team. We will tell you if a longer hold may be placed on your funds, which holds may be extended by us.

• Severability; Interpretation. If any provision of these Terms, or any Additional Terms, is for any reason deemed invalid, unlawful, void, or unenforceable by a court of competent jurisdiction, then that provision will be deemed severable from these Terms or the Additional Terms, and the invalidity of the provision will not affect the validity or enforceability of the remainder of these Terms or the Additional Terms (which will remain in full force and effect). To the extent permitted by applicable law, you agree to waive, and you hereby waive, any applicable statutory and common law that may permit a contract to be construed against its drafter. Wherever the word “including” is used in these Terms or any Additional Terms, the word will be deemed to mean “including, without limitation…”. The summaries of provisions and section headings are provided for convenience only and shall not limit the full Terms.

• Communications. By using the Service, you consent to receive from the ESC® Entities all communications including notices, agreements, legally required disclosures, or other information in connection with the Service (collectively, “Contract Notices”) electronically. The ESC® Entities may provide the electronic Contract Notices by posting them on the Service. If you desire to withdraw your consent to receive Contract Notices electronically, you must discontinue your use of the Service. You agree that the ESC® Entities may send communications to you via your mailing address, email, telephone or facsimile number provided by you on your account. You agree to notify us of any changes in your address or contact details. The ESC® Entities may also deliver information verbally. Communications shall be deemed delivered to you when sent and not when received. Your use of electronic signatures to sign documents legally binds you in the same manner as if you had manually signed such documents. The use of electronic versions of documents fully satisfies any requirement that such documents be provided to you in writing. If you sign electronically, you represent that you have the ability to access and retain a record of such documents. You agree that you are responsible for understanding these documents and agree to conduct business by electronic means. You are obligated to review the Service periodically for changes and modifications and agree not to contest the admissibility or enforceability the Service’s electronically stored copy of these Terms in any proceeding arising out of these Terms. Although you consent to electronic delivery, you may elect to deliver communications by other means and such delivery shall not affect your consent. The ESC® Entities shall have a reasonable period to effect such a change and the ESC® Entities may charge you a reasonable fee for sending such paper copies. If you elect to use electronic delivery, you agree and represent that you have a suitable computer with Internet access, an email address and the availability to download, save and/or print communications to retain a record of such communications. You agree that you are solely responsible for maintaining such equipment and services required for online access.

• Investigations; Cooperation with Law Enforcement; Termination; Survival. The ESC® Entities reserve the right, without any limitation, to:

i. investigate any suspected breaches of its Service security or its information technology or other systems or networks,

ii. investigate any suspected breaches of these Terms and any Additional Terms,

iii. investigate any information obtained by the ESC® Entities in connection with reviewing law enforcement databases or complying with criminal laws,

iv. involve and cooperate with law enforcement authorities in investigating any of the foregoing matters,

v. prosecute violators of these Terms and any Additional Terms, and

vi. discontinue the Service, in whole or in part, or, except as may be expressly set forth in any Additional Terms, suspend or terminate your access to it, in whole or in part, including any user accounts or registrations, at any time, without notice, for any reason and without any obligation to you or any third party. Any suspension or termination will not affect your obligations to the ESC® Entities under these Terms or any Additional Terms. Upon suspension or termination of your access to the Service, or upon notice from the ESC® Entities, all rights granted to you under these Terms or any Additional Terms will cease immediately, and you agree that you will immediately discontinue use of the Service.

The provisions of these Terms and any Additional Terms (including the terms applicable to User Content), which by their nature should survive your suspension or termination will survive, including the rights and licenses you grant to the ESC® Entities in these Terms, as well as the indemnities, releases, disclaimers, and limitations on liability and the provisions regarding jurisdiction, choice of law, and no class action.

• Assignment. The ESC® Entities may assign their rights and obligations under these Terms and any Additional Terms, in whole or in part, to any party at any time without any notice. These Terms and any Additional Terms may not be assigned by you, and you may not delegate your duties under them, without the prior written consent of an officer of any of the ESC® Entities.

• No Waiver. Except as expressly set forth in these Terms or any Additional Terms:

i. no failure or delay by you or the ESC® Entities in exercising any of rights, powers, or remedies hereunder will operate as a waiver of that or any other right, power, or remedy, and ii. no waiver or modification of any term of these Terms or any Additional Terms will be effective unless in writing and signed by the party against whom the waiver or modification is sought to be enforced. For avoidance of doubt, nothing herein shall be construed to restrict the ESC® Entities’ right to amend these Terms or any Additional Terms as otherwise permitted in those agreements.

• Connectivity. You are responsible for obtaining and maintaining all Devices and other equipment and software, and all internet service provider, mobile service, and other services needed for your access to and use of the Service and you will be responsible for all charges related to them.

COPYRIGHT © 2020 ESC® ALL RIGHTS RESERVED.

We Value Privacy

To facilitate use of the Rw.Fabric®, ESI® must temporarily store personal information and related content [data] of the members. Stored member data is strictly confidential

ESI® does not sell nor share member data. We do not host paid advertisements. We are not on social media. Certain personal information is needed so ESI® can verify registered purchase orders, settlement, transfers or prevent activities that may be detrimental or prejudicial to the ESI® community

For increased anonymity ESI® segments records of collaboration activity with anonymized blockchain recording of transactions. This means that paid transactions cannot be linked openly to blockchain records, by either price or time or other keywords in digital search. Accordingly, data on any blockchain may be useful only to members

This Privacy Policy describes how ESI® [part of HUMATION LTD, a Hong Kong registered limited corporation with offices at 9th Floor, 33 Des Voeux Road Central and further contactable by emailing [email protected]] collects, processes, accesses, rectifies, supplements, stores, retains, discloses, deletes, disposes and destroys personal information and related content, to facilitate the member’s use of the Rw.Fabric® platforms and to secure and protect such information and the ESI® information and communications system

The Terms herein share the same definitions and form part of the User Agreement / Terms of Service. The use of “we”, “our” and “us” is in reference to ESI® as a limited company. Rw.Fabric® collectively refers to iOS, web applications and digital platforms which activated members may utilize to facilitate the purchase of digital services from ESI®. As an individual member you may also herein be referred to as “you”, “your”, “yourself” or “yourselves”

This Privacy Policy applies to both paid and unpaid Rw.Fabric® utilization. All data may be exchanged between our secure databases as for example during the anonymization of numerical data in preparation for the creation of innominate coded entries in The Other Blockchain®

Rw.Fabric® communications including exchanged content as well as details contained in registered contracts are private and confidential, and intended to be kept exclusively between the collaborative participants. Ordinarily, it is only upon official request for Tribunal investigation that a member authorizes ESI®’s review of such private exchange and related information

Collaborative engagements and exchanges as defined in part or whole through utilization of ESI® or Rw.Fabric® services are executed at participant’s sole judgement, consent, responsibility, risk and discretion

The processing of personal information by ESI® adheres to the principles of transparency, legitimacy and proportionality. Personal information is collected for a specific and legitimate purpose, declared and determined before collection, or within a reasonable time after collection

Personal information collected is processed in a fair and lawful manner, compatible with the specific and legitimate purpose. Only adequate, and not excessive, personal information is collected in relation to the purpose intended

Personal information is kept in a form that allows identification only for as long as reasonably necessary to serve the purpose intended. Personal information collected is retained only for as long as reasonably necessary to fulfill the purpose intended; to exercise a right or perform an obligation; to pursue a legitimate business purpose; or to comply with or avail of the provisions of the applicable law

ESI® requires that the personal information is accurate and kept updated, and that inaccurate or incomplete information is rectified, supplemented, deleted, destroyed or restricted from further processing

ESI® processes personal information under any of the following conditions;

i) the person has given his or her consent;

ii) the processing is necessary or related to the perfection, implementation or consummation of the person’s contract;

iii) the processing is reasonably necessary to comply with the applicable law;

iv) the processing is reasonably necessary to protect the vital interests of the person;

v) the processing is reasonably necessary to address an emergency, or to comply with the requirements of public order, public safety, national security or of government authority; or

vi) the processing is reasonably necessary to protect or secure the legitimate interests of the Rw.Fabric® or ESI®

By accessing or using any part of the Rw.Fabric®, or by availing any service of ESI®, the user is deemed to have accepted all the associated terms and conditions of the Rw.Fabric® and ESI®, and to have given adequate consent to the use of the user’s personal information in accordance with the associated Privacy Policy

Any person who does not agree with any of the associated terms and conditions or with any provision of the associated Privacy Policy, is not allowed to access or avail of any service of the Rw.Fabric® or ESI®. ESI® acknowledges the basic rights of the person to the privacy of his or her personal information. The subject person shall be entitled to:

– be informed if his or her personal information is being processed;

– be informed of the following matters:

a) the purpose of the processing,

b) a description of the information being processed,

c) the scope and method of processing,

d) the intended recipients of the processed information,

e) the methods of automated access, if any, and

f) the period during which the information is stored;

– have reasonable access to the following matters:

a) the contents of the personal information being processed,

b) the sources from which personal information are obtained,

c) the identities of the intended recipients of the processed information,

d) the reason for the disclosure of the processed information to the intended recipients,

e) the manner by which the personal information is processed,

f) information about any automated process used,

g) dates when personal information were last accessed or modified;

– correct any inaccuracy or error in the personal information;

– suspend, withdraw, block, remove or delete any personal information upon discovery of substantial evidence proving that it is incomplete, outdated, false, unlawfully obtained, used for an unauthorized purpose, or no longer necessary for the purpose it was collected

i. Creating an account requires that we verify you are over 18 years old, and that we privately link your real name and email address with your ESI® profile

a. ESI® must collect and store your personal information such as your date of birth, first name, last name and email address to create your account

b. To use the Rw.Fabric®, ESI® must collect, host and store profile data, such as associated account details, geo-location information and content you choose to exchange or upload. Chosen display names and content becomes visible throughout the ESI® community

c. Your personal information and profile data are processed and stored securely by ESI® for the duration of your Rw.Fabric® membership and are deleted upon your account closure or request

ii. Activating a Rw.Fabric® profile requires payment method registration and identity verification

d. Activating your profile requires the registration of a credit card through a secure payment processor, and the submission of scanned copies of a national government identification document, passport, driver’s license, or the like

e. ESI® verifies submitted documentation. This can include checks of external databases to confirm the authenticity of identification documents. Following the successful verification, the membership key is activated and privately assigned to the member profile. The identification data is then associated with the member profile

f. Payment methods and identification data are not kept in the Rw.Fabric®. Such methods and data are stored securely by ESI® in secondary databases for the duration of your Rw.Fabric® membership, and are deleted upon member account closure or request

iii. ESI® integrates third party services

g. Content such as photos from your profile may be hosted by ESI® if you choose to post these in your Rw.Fabric® account

h. To provide certain services, ESI® implements application programming interfaces [APIs] from various services like Google Maps and payment processors like Stripe. External service providers have their own usage and privacy policies independent of ESI®. All member data and Rw.Fabric® usage information are however stored securely in the secondary databases of ESI®

iv. why is information stored?

Personal information and related data are stored to permit and facilitate your use of the Rw.Fabric® platforms

You have the choice to exchange with ESI® and other Rw.Fabric® members. Once chosen, exchanged data or information are hosted and stored temporarily by ESI® to enable its use in the Rw.Fabric® and to generate your recall ability

v. what information is processed?

ESI® must process the data you choose to upload or exchange

• ESI® uses member data to verify registrations, purchases and other requests

• Verified accounts are assigned private keys and signatures. To ensure ESI® is providing [the real] you with the best possible service private keys + signatures are required to authorize registered Rw.Fabric® activity

• ESI® cannot view your Rw.Fabric® password. Passwords are encrypted. ESI® is however able to perform a hard-reset of the password upon your request. Otherwise you may reset your passwords directly by using your registered personal email

vi. access points?

Information about your access devices, such as operating systems, hardware versions, device identifiers, global positioning system locations [GPS], internet service provider [ISP], browser type, language, time zone, internet protocol address [IP] and the like, may be logged

• These are basic details exchanged between devices and internet hosts, providers and or servers. To enable use of the Rw.Fabric®’s discover section and global map, GPS information is required

• In order to protect your member data, as well as improve ESI® services, we may broadly review Rw.Fabric® usage statistics

vii. rw.Fabric® collaborations?

ESI® identifies and verifies collaborations between members as confirmed in registered contracts. Such contracts, associated documentation and content are classified by ESI® as private and confidential

• At your request contracts and associated documentation may be reviewed, revised, amended, supplemented or modified by ESI® to clarify the intent of the parties and avoid future misunderstanding

• ESI® does not necessarily nor automatically review personal data. With ESI®’s assistance to facilitate registered Rw.Fabric® orders, information about payment and payout channels or methods including preferences, may be recorded confidentially by ESI® for the duration of membership. Such data may be stored securely by ESI® in secondary databases for the duration of your Rw.Fabric® membership, and are deleted upon member account closure or request

• ESI® stores only such data that is purely functional in nature. These may include personal emails, active credit card authorizations for future or potential billing, account authentication information, and personal payment or payout channels, such as a cryptocurrency wallet address or the like

viii. rw.Fabric® connections?

To facilitate independent interactions among members, as well as construct tailored member profile accounts, ESI® must store certain details around other members whom you choose to follow, review or connect with ESI® must host multimedia content selected or uploaded such as your photos saved in ‘favorites’ or used as references in collaboration

ix. multimedia & content?

Uploaded or ESI® hosted content, including multimedia in various formats, may contain metadata. Please note the metadata may have been attached automatically by your devices

• Metadata may contain specific information like location, names or device details
• If you do not wish for the metadata to be associated with your files or content, you are reminded to remove this prior to uploading

x. links to databases & services?

ESI® implements internal and external application programming interfaces [APIs]

• Internal services are processed in the Rw.Fabric® through secure APIs. Numerical references of Rw.Fabric® activity are stored in a secondary database where each activity is assigned an innominate randomized code. Through ESI®, bespoke encrypted codes are transmitted to distributed ledger technologies that generate unique, anonymized transactions and block creations in The Other Blockchain®

• External services may be processed in the Rw.Fabric® through secure APIs. External APIs may pertain to geographical specifications derived from Google Maps or other data exchanged such as content from Instagram or follower metrics from Facebook. APIs and external services are subject to their own host provider’s security, terms and conditions which are independent of ESI®

xi. aggregate ≅ anonymous

ESI® may use aggregated information (usage metrics that are combined together with many others so it no longer identifies or references one individual member), and other non-personally identifiable information for market analysis, research or other operational purposes

xii. calendars + imports

Syncing external calendars such as iCal to a profile is possible. Imported information is entered into the Rw.Fabric®’s profile calendars. This includes associated data and event descriptions or locations

• Data synchronized or uploaded to personal Rw.Fabric® maps may be viewed by connected members who are not otherwise blocked

xiii. communication & exchange

ESI® does not monitor any and all forms or types of private communication. Rather, we keep information private. We review member data only when necessary or reasonable to facilitate orders or registrations that members request ESI® to process

• ESI® does not monitor collaborative engagement, exchange completion, or other member activity

• Members privately and directly set collaboration details, stipulations, terms and conditions. Except to registered participants, this data is not externally accessible

• Registered transactions, purchases and orders are strictly confidential between ESI® and the individual member acting as a Purchasing Member

• IPFS encryption of multimedia, data, content or similar files in The Other Blockchain®, has decentralized download access functionality. Unique cryptographic, multihash IPFS codes permitting decentralized download access are controlled by the Purchasing Members who are therefore by himself or herself, solely responsible for their security and use

• Rw.Fabric® activity and exchanged data or content pertaining to current or future collaborative engagements or exchanges are temporarily stored in profile accounts for a period no longer than eighteen [18] calendar months following collaboration completion

• Details of engagement or exchange activity and content are retained for participant member recall until completion of the associated registered collaborative engagement or exchange

• Purchase of registered collaborative engagement or exchange documentation is logged internally by ESI®. Associated processing data is attached for future authentication and verification. Immutable data, including anonymized references to The Other Blockchain® transactions, is constructed to facilitate future recall at the registered participant’s discretion. Anonymized, or coded entries that are visible within distributed ledger networks or blocks, are immutable and cannot be erased, altered or deleted

xiv. legal lines + responsibilities

ESI® enables confidential and legally or equitably binding, real world contractual relations, rights and obligations that bear anonymized, digital and blockchain enhanced engagement guarantees. ESI® is a members only, facility or exchange that is privacy oriented and member neutral

• Our digital processes offer decentralized verification of ownership and participation, alongside digital financial security functions for member ordered ESI® transactions. We provide certain digital services related to your registered contractual documentation and processing functions ordered from ESI®

• It is possible that ESI® may in the future be requested to provide personal information or related data to government agencies or government authorized entities. At all times, and to the full extent permitted by the applicable laws, ESI® SHALL DECLINE ANY AND ALL SUCH REQUESTS. We shall within a reasonable time from receipt of such requests, inform the member or members concerned

• If statistics, details or usage information are requested by a government agency or government authorized entity, ESI® shall at all times, and to the full extent permitted by the applicable laws, decline such requests. We shall within a reasonable time from receipt of such requests, inform the member or members concerned

• ESI® reserves the right, at its sole reasonable discretion, to liaise with or submit data to third parties in case of any member activity that violates the material ESI® Terms and Conditions [of service], or in any way exposes another Rw.Fabric® member to possible harm, injury or damage. To protect the community, ESI® may investigate and report to the proper government authorities any and all member actions or inaction involving fault or negligence, for the purpose of avoiding, preventing, suppressing or addressing grave violations of the user agreement

xv. mapping + locations

Rw.Fabric® members choose who, what, when and where information is shared. When pinned to the Rw.Fabric®’s global map, member entries become visible. Visible pins may be shared by members who are not blocked

• There are non-identifying viewership metrics on global maps, pins and similar search results. These metrics may include post or pin view counts for ‘open collaborations’, starred multimedia content and other posting types. Platform-wide viewership is anonymously logged and made visible to Rw.Fabric® members

xvi. others

Information or data shared independently and confidentially with ESI® including feedback, surveys and the like are reviewed and stored by ESI®. All information shared may be transferred or accessed by or through ESI® in accordance with this Privacy Policy and associated Terms and Conditions

xvii. privacy + touch points

We seek to achieve genuine and, practical privacy. We will not disclose or release any information related to any registered collaborative engagement or exchange details, except only to registered participants

• The Other Blockchain® anonymizes Rw.Fabric® reference entries to reflect and record registered, member data. Such data is generated only for the benefit of the owning or controlling members. Each member may use such distributed ledger technology systems with privately held proof of ownership or control, or tangibly documented “proof-of-work”

• Multimedia or written content which as a member you freely generate or upload, like information visible in the Rw.Fabric®’s global map pins, may typically be the only data visible to ESI® members who are not blocked

• Personally identifiable documentation and associated security checks are processed outside the Rw.Fabric®. In other words, these are done off the platform. No personally identifiable information [PII] such as scanned copies or photocopies of government identification documents or financial account details like credit-card numbers, are in any manner stored or shared in the Rw.Fabric® by ESI®

• Unless blocked independently through profile account settings, portions of a member’s publicly displayed profile account, including for example the potentially anonymous display names with biographies or introductions alongside selected content, may be visible to other members or shared by them in alternate external channels, hosts, platforms or applications

xviii. profile data

Creating a private Rw.Fabric® membership profile requires that you link your real or legal name, display name, email address, date of birth, place of birth, as well as set a password, Face ID or Touch ID to the ESI® Rw.Fabric®

• To activate membership and enable the member to order and complete purchases of ESI® digital services, ESI® requires the verification and confirmation of a national government identification document, along with a credit card debit that is processed by a secure payment processor, such as Stripe or Adyen

xix. purchase data

Communication between members commences upon confirmation of the financial eligibility to meet collaboration minimums, and declaration of adherence to specified terms and conditions of collaborative engagement or exchange

• Purchasing Members are required to activate accounts before discussing potential collaborative engagement or exchange

• To process purchase orders, Rw.Fabric® may prompt the member concerned to privately confirm financial information, alongside proof of identity. This may include, for example, a secure account check a national government identification document alongside registration of an active credit card with an authorized and secure payment processor

• ESI® charges up front a one time, processing fee for contract registration and for other digital service purchases. In order for a member to use certain Rw.Fabric® features, a non-billable authorization may be required Payment authorizations are not billed. These have no associated charges or cost. Payment authorizations are intended to verify and confirm the member’s ability to proceed with the associated transaction

The purchase of services and authorization of payments require that a credit card be approved for transactions in the Rw.Fabric® through a secure payment processor

Rw.Fabric® profiles may privately store payout or settlement destinations such as a PayPal account or a Monero wallet address

• ESI® is not involved with nor responsible for any real world completion, shipping, transportation or delivery of physical items, goods, services or products. Outside of payment, payout channel identification and payment authorization, any delivery address or similar information is neither stored nor requested by ESI®

xx. using rw.Fabric®

Certain information regarding member interactions and settings, such as commonly used hashtags, terms or searches, may be saved to facilitate your quick recall during future use

• You may set your location information manually. Note however that navigation including GPS positioning requires real-time updates

• To ensure security, log data such as the device(s) used and time accessed may be collected. Google Maps API may be integrated into the Rw.Fabric®. Accordingly the use of Google Maps is subject to its associated terms and privacy policies

• To enable the full use of ESI® services and the full functionality of the Rw.Fabric®, ESI® may disclose certain data to external payment processing or ESI® authorized platforms

• For the member’s security, payments and purchase transaction times, amounts and settlement delivery accounts are recorded outside of the Rw.Fabric® by ESI®

• For fraud detection, owner background and personal information may be reviewed periodically by ESI® from within or outside of the Rw.Fabric®

• To safeguard member privacy, reviews and checks of data integrity and validity may be conducted by ESI®, from within or outside of the Rw.Fabric®

We’re Always Available

please write to [email protected] with any inquiries