TERMS OF USE

---

OVERVIEW

This website is operated by Level Wins. Throughout the site, the terms “we”, “us” and “our” refer to Level Wins and their fundraising platforms. Level Wins offers their websites, www.smartchange.app and www.goodchange.app, including all information, tools and Services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

Welcome to Level Wins, and thank you for joining our community. This platform and related services and web sites, as well as all products and services owned and operated by Level Wins or any of its affiliated companies (our “Services”), are here to help you support the people and causes you believe in.

When you use Level Wins, you enter into a legal agreement. This Terms of Service agreement (the “Agreement” or “Terms”) is between you and Level Wins, LLC, its service Level Wins, and its affiliated companies (collectively, “Level Wins,” “we,” “us,” or “our”), and sets forth the legally binding terms for your access and use of the Services and any text, documents, graphics, photos, or other materials downloaded from or appearing on the Services (the “Content”). Certain features of the Services may be subject to additional guidelines, terms, or rules, which will be posted in or on the Services in connection with such features. All such additional terms, guidelines, and rules are incorporated by reference into this Agreement. If there is a conflict between additional terms, guidelines, or rules, and these terms, the additional terms, guidelines, and rules will control.

We reserve the right in our sole and absolute discretion to make changes to how we operate and provide our Services, including adding new services, modifying existing services, or suspending, discounting, or terminating your access to any or all portions of our Services.

Each time that you access or use the Services, you signify that you have read, understand, and agree to be bound by these Terms, as well as our Privacy Policy, which is also incorporated by reference here. When services from other web sites, applications, or both are made available through the Services, you agree to be legally bound by the terms and conditions and privacy policies of those other web sites and applications.

Please take the time to read the Terms of Service agreement that you’re entering into, and pay special attention to our dispute resolution policy in Section 8.10, which requires negotiation, binding arbitration, and a class action waiver. 

These Terms of Service also include important disclaimers, warranties, and limitations on liability. It is important to read our entire Agreement carefully as some of the provisions affect your legal rights. IF YOU DISAGREE WITH ANY OF THESE TERMS, DO NOT ACCESS OR USE THE SERVICES.

By accessing the Services, you consent to have this Agreement provided to you in electronic form and that all agreements, disclosures, and other communications that we may provide to you in electronic form satisfy any legal requirements that our communications with you be in writing. You acknowledge that when you provide us with your contact information, including an email address or telephone number (“Contact Information”), sharing this information with us constitutes a “purchase” or “inquiry” that establishes a business relationship between you and us.

You expressly agree that we may communicate with you about the Services, using any or all Contact Information you provide to us. You also represent and warrant that you have the legal authority over any email address or telephone number that you provide to us. We may contact you, in person or by recorded message, by e-mail, telephone and mobile telephone number (including use of automated dialing equipment), text message (SMS or MMS), or any other means of communication that your telecommunications device may be capable of receiving. You may elect to opt out of receiving marketing emails at any time by following the instructions and link provided in the email. Please allow up to ten business days for our systems to reflect your marketing communication preferences.

We’re also always happy to hear from you if you have any questions or suggestions. You can contact us at hi@levelwins.com.

1. Your Account

2. License and Access to the Services

3. Using the Services: Requirements and Restrictions

4. Intellectual Property

5. Third-Party Links

6. Infringement of Rights

7. Disclaimers; Limitations of Liability; Indemnification

8. General Terms

1. Your Account

1.1 General Requirements

In order to use the Services as a donor, you must be 18 years of age or older, be a citizen of the United States, have a valid U.S. Social Security number, and have the legal capacity to enter into this Agreement. Further, you certify that you make any contributions or donations of your own free will, with your own funds, which are personal funds and not corporate funds, and that no other individual, organization, or group has given you funds with the intent that they be used for a political contribution of any kind. You understand that, if you choose to participate in a round up or scheduled contribution or donation, then that may involve automated processes that accumulates spare cents rounded up to the next highest single dollar amount for each transaction, and, even a transaction of zero cents will equate to an entire dollar being rounded up. You understand that you can pause or cancel these rounds ups from your transactions at any time. You understand that there are fees associated with online transactions that will be incumbent upon the recipient of those transactions to pay. You understand that there are campaign contribution limits and that any contributions or donations in excess of those limits for a primary election are intended to be rolled over or allocated to the general election.

In addition, you must not be barred from receiving the Services under United States law or the laws of any other jurisdiction. By registering for a Level Wins account, you certify that all of the foregoing is true and that any information you provide to us, both when you register and in the future, is and will be true, accurate, current, and complete. We reserve the right to suspend, terminate, or deny your access to the Services for any (or no) reason, with or without notice and without further obligation.

1.2 Account Creation

In order to access and use certain Services, you will be asked to register and create a user account (an “Account”). As part of the Account creation process, you will create login credentials by selecting a password, providing an e-mail address, and answering all inquiries marked “required” (such credentials, the “Registration Data”). You agree: (i) that the Registration Data you provide will be true, accurate, current, and complete at the time you provide it; (ii) to maintain and update such Registration Data to keep it true, accurate, current, and complete; and (iii) that Level Wins may contact you and require you to confirm some or all of your Registration Data before using or continuing to use these Services. We reserve the right to terminate the limited licenses granted to you and to refuse to provide you with any and all current or future use of the Services if, in our sole discretion, we determine or are of the opinion that any of your Registration Data is, or appears to be, untrue, inaccurate, not current, or incomplete.

If you create or log in to any of the Services using your credentials for a social media account such as Facebook, Twitter, LinkedIn, or Google+, or link a social media account with your Level Wins account, you may be redirected to a sign-in request page. By signing-in using your credentials for that social media service, you agree that Level Wins may access certain information received from that service, as specified in the sign-in process or otherwise allowed by such social media service. We may use such information to facilitate your log-in and improve and provide the Services to you, as further described in our Privacy Policy.

When you register as a member, you authorize us to create and maintain an Account in your name using your Registration Data and other information that may be collected about you in accordance with our Privacy Policy as part of providing our Services.

1.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials, including your password, and for all activities, charges, and liabilities that occur from your Account, whether or not authorized by you. You agree that you will not share your username or password, or transfer, sub-license, sell, or assign your rights in your Account to any other person or entity. You may not open multiple Accounts for the same service, and we will close Accounts associated with the same credit or debit card. You must immediately notify Level Wins of any unauthorized use of your Account, login credentials, or any other breach of security of which you become aware by emailing hi@Level Wins.app. We will not be liable for any loss or damage arising from your failure to comply with this section. Any fraudulent, abusive, or otherwise illegal activity may be grounds for immediate suspension or termination of your Account, at our sole discretion, and we may refer you to appropriate law enforcement agencies. Level Wins has no obligation to retain any data associated with your Account, including without limitation if it is terminated.

1.4 Audit

Level Wins reserves the right to audit your use of the Services and Content. You agree to cooperate and to provide us with all documentation reasonably requested related to the use of your Account.

1.5 Privacy Policy

Level Wins maintains a Privacy Policy describing the collection, retention, and use of information related to your use of the Services. You can find this policy here.

1.6 Payment Policy

Donor Fees. If you use the Services to make contributions or donations (“Donors”) to political campaigns, political action committees, or other recipients of funds through Level Wins (“Recipients”), then you will not be charged fees for this use of the Services beyond the amounts you contribute through the rounding up of cents to the nearest whole dollar for transactions on your Account. We will use the billing information you provide to us for these contributions. Any changes to this policy will be made in accordance with these Terms.

One-Time Fees. Recipients will be obligated to pay a one-time fee for creating an Account with Level Wins. The amount of this fee will be communicated to each Recipient at the time of Account creation, subject to the Recipient’s agreement. This fee is non-refundable.

Recurring Fees. Level Wins will retain ten percent (10%) of the amount rounded up to the nearest whole dollar for each transaction made on a Donor’s Account. This cost will not be an additional cost borne by the Donor but rather will be retained out of the funds already contributed by the Donor to the Recipient(s). These fees are non-refundable.

Payment Method and Provider. You agree to pay for all charges for the purchase of Services using your Account, plus any applicable taxes. All prices are in U.S. Dollars and do not include foreign exchange fees or charges that you may incur from other providers, such as your Internet service provider or telephone provider. Without limiting any other terms of this Agreement, the Services may change fees and charges in effect, or add new fees and charges from time to time, but you will always know the fees that may be charged before you are asked to provide payment.

You authorize us to charge your chosen payment provider for these charges. You also authorize us (or a third party working on our behalf) to collect and store that payment method, along with other related transaction information. We may update your payment method with information provided by the applicable payment service provider, and you authorize us to continue to charge the fee for Services to the updated payment method. The terms of your payment will be based on your method of payment and may be determined by agreements between you and the financial institution, credit card issuer, or other provider of your chosen method of payment (your “Payment Provider”). If your purchase or use of the Services results in an overdraft or other fee from your banking institution, you are responsible for paying that fee.

If Level Wins does not receive payment from your Payment Provider, you agree to pay all amounts due on your Account upon demand. In the event we are advised of insufficient funds in your Account or credit to cover your payment by credit card, we may re-submit the payment to your Payment Provider. You are responsible for maintaining a current payment method to continue to access Services, and if we are unable to charge your payment method, your access to Services may be suspended or terminated. We reserve the right to correct any errors or mistakes that we may make, even if we have already requested or received payment, and to update your information from available third-party sources.

Cancellation and Refunds. You may choose not to renew your Account at any time. WE DO NOT PROVIDE REFUNDS OR CREDITS.

Chargebacks. A dispute against the method of payment specified is commonly referred to as a “chargeback.” You acknowledge and agree that if Services have been performed by Level Wins, chargebacks are unlawful. Level Wins will research and dispute any chargebacks on credit cards or any other form of payment provided to Level Wins if, in Level Wins’s opinion, the chargeback is not justified. Any chargeback will automatically invoke the following per-occurrence fees without exception: a $50 administrative fee, a $25 chargeback fee, and a $50 recovery fee. These fees, along with any disputed charges, will result in a negative balance on your account, which must be paid before Services on the Account can be reactivated. In the event of a chargeback, Level Wins may need to provide relevant information to a third party for the purpose of recovering the debt or for the pursuit of civil or criminal proceedings.

2. License and Access to the Services

2.1 Limited License

All Content is the property of Level Wins. Except for allowing you to access and use the Services for your own personal use or internal business use, when you use the Services, you are not receiving a license or any other rights from Level Wins, including intellectual property or other proprietary rights of Level Wins. You understand that you have no rights to the Services or Content or any other Level Wins property except as indicated in these Terms and all rights and licenses not expressly granted to you in this Agreement are retained by Level Wins. To the extent any component of the Services or Content may be offered under an open source license, we will make that license available to you and the provisions of that license may expressly override some of these Terms.

Level Wins may revoke or terminate the license granted above in its sole discretion, at any time. Without limiting the generality of the foregoing, we may revoke or terminate the license if you: (i) breach any obligation in this Agreement or in any other agreement between you and us, (ii) violate any policy or guideline applicable to the Services or Content, or (iii) use the Services or the Content other than as specifically authorized in this Agreement, without our prior written permission.

2.2 No Unauthorized Access

You may not do any of the following while accessing or using the Services:

• use any robot, spider, site search, retrieval application, or other automated device to download, retrieve, scrape, distribute or index any portion of the Content, or permit any third party to do the same;

• gain unauthorized access to any of the Services, other accounts, computer systems, or networks connected to any Level Wins servers, through hacking, cracking, or distribution of counterfeit software, password mining, or any other means;

• reproduce, modify, distribute, decompile, disassemble, or reverse engineer any portion of the Services;

• probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures;

• damage, disable, overburden, or impair any Level Wins server, or the network(s) connected to any Level Wins server, or interfere with any other party’s use and enjoyment of any of the Services;

• falsify or alter any unique identifier assigned to you, or otherwise obscure or alter the source of queries to the Service;

• forge any TCP/IP packet header or any part of the header information in any email, or in any way use the Services to send altered, deceptive, or false source-identifying information;

• engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the Services or any employee or agent of Level Wins;

• make the functionality of the Services available to multiple users through any means including, but not limited to, deep-linking to one of our web sites or uploading one of our apps to a network;

• interfere with, interrupt, destroy, or limit the functionality of the Services or any computer software or hardware or telecommunications equipment, including, without limitation, sending viruses, overloading, flooding, spamming, or mail-bombing the Services; or

• use any Content, including without limitation any personally identifiable information included within the Content, in violation of any rights of third parties, including without limitation such rights arising under any applicable privacy policies or agreements.

Level Wins will have the right to investigate and prosecute violations of any of the above or any other legal violations. Level Wins may involve and cooperate with law enforcement authorities in prosecuting persons who violate these Terms. You acknowledge that Level Wins has no obligation to monitor your access to or use of the Services or Content but has the right to do so for the purpose of providing the Services and Content, to ensure your compliance with these Terms, to protect the safety, integrity, rights, or security of our users, to detect, prevent, or otherwise address fraud, security, or technical issues related to our Services, or to comply with applicable law or the order or requirement of a court, administrative agency, or other governmental body.

3. Using the Services: Requirements and Restrictions

3.1 Fair Credit Reporting Act

The Fair Credit Reporting Act is a United States federal law, 15 U.S.C. §§ 1681 et seq., enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of companies authorized and designated to “assembl[e] or evaluat[e] consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties . . . .” The FCRA defines the companies assembling and evaluating this information for third parties as “consumer reporting agencies” and requires that others may only use information from Consumer Reporting Agencies when making decisions about an individual’s eligibility for credit, insurance, employment, or other purposes as set forth in the Act.

According to Congressional findings in the FCRA, Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers, and there is a need to ensure that Consumer Reporting Agencies exercise this responsibility with fairness, impartiality, and a respect for the consumer’s right to privacy. For this reason, only Consumer Reporting Agencies may legally provide information about an individual as the basis for a decision regarding credit, insurance, employment, or otherwise as set forth in the Act. Because neither Level Wins, LLC nor its service Level Wins (collectively “Level Wins”) is a Consumer Reporting Agency, you cannot use data or information obtained from Level Wins as a basis to make any of the following decisions or for any of the following purposes:

• Determining whether to extend a loan;

• Otherwise determining a person’s creditworthiness;

• Determining eligibility for insurance;

• Otherwise determining whether to extend an insurance policy;

• Determining whether or not to hire a potential employee;

• Conducting background checks to screen job applicants; or

• Screening of prospective tenants.

The list of decisions above is not exhaustive. To make any of these decisions based on information you obtain from Level Wins would make you a user of consumer reports, and because Level Wins is not a Consumer Reporting Agency, this activity on your part would constitute a violation of the FCRA. For further information, visit the website for the FCRA.

Level Wins does not independently verify or authenticate the information you obtain through our services. Level Wins also makes no promises, guarantees, or warranties about the accuracy of the information you obtain through our service.

3.2 Marketing and Resale Restrictions

You may not use, or allow a third party to use, the Services or Content for any marketing purposes, including making telemarketing calls and transmitting unsolicited advertisements via paper mail, fax, text messages, phone calls, or email. You may not use, or allow a third party to use, the Services and Content to prepare any database (or compare one database to another) to append, verify, or create a new database. Content may not be published, sold, or rented to any third party.

3.3 Automated Searching

We do not allow scraping or automated collection of our Content. If we determine that you are using automated means (e.g., robot or spider) to retrieve, distribute, or index any portion of our Content, or more than one individual is using your Account at any one time, your Account may be turned off or your access otherwise blocked, without notification, for further investigation. If you feel your Account has been turned off or your access to the Services has been blocked in error please contact our Customer Support team.

3.4 Special Provisions Applicable to Software

If you download or use certain Services, such as an app or a browser plug-in, you agree that, from time to time, the software may download and install upgrades, updates, and additional features from us in order to improve, enhance, and further develop the Services.

3.5 General Restrictions

You also agree to adhere to the following:

• You will use the Services only for appropriate, legal purposes, and in compliance with all applicable federal, state, and local laws and regulations. Any unauthorized use of the Services or Content is expressly prohibited.

• You are responsible for determining which laws apply based on your use of the Content. You will obtain any and all necessary licenses, certificates, permits, approvals, or other authorizations required by federal, state or local statute, law, or regulation that govern your use of the Services. If you are a Recipient, you are entirely responsible for all federal, state, local, or other compliance, as applicable, for any funds you receive through Level Wins. Level Wins bears no responsibility whatsoever for your compliance with federal, state, local, or other reporting requirements for the funds you receive through Level Wins.

• You will take reasonable steps to ensure that the information you receive from the Services is stored in a secure manner.

• You will not use the Services or information derived from the Services in combination with any purpose, or personal information, covered under the Gramm-Leach-Bliley Act, Health Insurance Portability and Accountability Act, or the Children’s Online Privacy Protection Act.

• You will not use the Services in a manner that may cause emotional or physical harm to anyone, or to stalk, threaten, defame, libel, or otherwise harass another person. You may not use the Services for the furtherance of any criminal activity, including fraud and identity theft, or in the violation of any person’s privacy rights.

• You will not use the Services to seek information about or locate any person under the age of 18.

• You will not falsely state, impersonate, or otherwise misrepresent your identity or your affiliation with any person or entity while using the Services.

• You will not use the Services to post, publish, or transmit any text, graphics, or material that: (i) is false or misleading; (ii) is obscene, pornographic, or offensive; (iii) promotes bigotry, racism, sexism, or hatred against any individual or group; (iv) infringes another’s rights, including intellectual property rights; or (iv) violates, or encourages any conduct that would violate, any applicable law or regulation, or would give rise to civil liability.

• You will not use the Services to send any email or text message that does not comply with CAN-SPAM, the Telephone Consumer Protection Act, or any other applicable federal or state law.

• You will not use the Services to promote or provide instructional information about illegal activities or promote physical harm or injury against any group or individual.

• You will not use the Services or Content in connection with credit repair or credit counseling services.

Level Wins has the right to investigate and bring claims for violations of any of the above to the fullest extent of the law. We may, but are not required to, provide notice of such violations beforehand.

4. Intellectual Property

4.1 Ownership of Content and Marks. The Services, and all material published on or accessible through the Services, including, but not limited to text, photographs, video, graphics, music, images, animations, audio, “applets” incorporated into the software data, sounds, messages, comments, ratings, and other materials that are part of the Services, is owned by Level Wins or its licensors, and is protected by applicable copyright, trademark, and other laws of both the United States and foreign countries.

All trademarks, service marks, trade names, and trade dress contained in the Services (“Marks”), are proprietary to Level Wins and may not be used by you unless expressly authorized to do so. This prohibition includes without limitation unauthorized copying or distribution of any of the Content displayed or used on the Services, framing Content, using Meta tags or “hidden text,” creating any unauthorized derivative work, or in any other way exploiting the Marks, the Content, or the Services. You agree that you will not reproduce, publish, transmit, perform, sell, create derivative works of, or in any way exploit, any of the Marks, the Content, or the Services, in whole or in part. You acknowledge that you do not acquire any ownership rights in any Content downloaded from the Services. All right, title, and interest in and to the Content and Services is and will remain the exclusive property of Level Wins and its licensors. Any feedback, comments, or suggestions you may provide regarding Level Wins or the Services, including correspondence with Customer Service (collectively, “Feedback”), is entirely voluntary. We shall have no obligation to you of any kind, monetary or non-monetary, with respect to Feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works from, and distribute the Feedback to others without limitation or obligation.

We may use third-party trademarks in the Services to identify the owners of these marks. Use of any third-party trademark is intended only to identify the trademark owner and its goods and services, and is not intended to imply any association between the trademark owner and Level Wins. Nothing in the Agreement, the Terms or our Services grants you, by implication, estoppel, or otherwise, any license or right to copy, modify, sell, reproduce, distribute, republish, display, post, create derivate works from, or transmit in any form any intellectual property of a third party.

4.2 No Other License Granted. Except for allowing you to use the Services and Content for your personal use or internal business purposes as set forth above, when you use the Services, you are not receiving a license or any other rights from Level Wins, including intellectual property or other proprietary rights of Level Wins. You understand that you have no rights to the Services or any other Level Wins property except as described in these Terms.

4.3 Content You Provide or Transmit. In the course of using the Services, you may transmit or otherwise make available certain content to us, including information about yourself. You grant us a world-wide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, perform, display, distribute, create derivative works in, store, and archive such content. You understand and agree that Level Wins retains the right to reformat, excerpt, or translate any content provided or transmitted by you. You also agree that we may collect and use technical information such as your IP address, device ID, and other information including without limitation technical data about your mobile device and system software and peripherals, for product improvement, customer support, and to provide other services to you related to the Services. We have no obligation to monitor content you provide and submit through the Services, but we do reserve the right to monitor and review such content, for the purpose of operating the Services, to ensure your compliance with this Agreement, or to comply with applicable law or the requirement of a court, administrative agency, or other governmental body.

5. Third-Party Links

Level Wins may, as a convenience to you, make links to third-party web sites or resources available on or through the Services. Level Wins is not responsible in any way for, and does not make any representation, warranty, guarantee, or endorsement regarding any third-party web sites and resources that may be accessed through us. In addition, Level Wins does not endorse or adopt, and is not directly or indirectly responsible or liable for: (i) any content, advertising, goods or services, or other materials available on or from such web sites or resources; or (ii) any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, advertising, goods, services, or other materials on or available from such web sites or resources. You acknowledge sole responsibility for and assume all risk arising from your use of any third-party web sites or resources.

6. Infringement of Rights

You may not use our Services in any manner that infringes the rights of any third party. Level Wins strives to respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act and other applicable intellectual property laws, which may include removing or disabling access to material claimed to be the subject of infringing activity. If you believe, in good faith, that any of the materials available on or through the Services infringes on any copyright you own or control, or that any link made available on or through the Services directs users to another Web site that contains material that you own or control, please send us a notice of infringement (an “Infringement Notice”). An Infringement Notice must be in writing sent by regular mail or by email and should set forth the items specified below. Please note that you may be liable for damages (including costs and attorneys’ fees) if you materially misrepresent that a product or activity is infringing your copyrights.

To expedite our ability to process an Infringement Notice, please provide the following information:

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

• A description of the copyrighted work that you believe is being infringed;

• A description of the location of the material that you believe is infringing the copyrighted work;

• Your contact information (please include your address, telephone number, and email address);

• A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

• A statement by you, made under penalty of perjury, that the information contained in your Infringement Notice is accurate and that you are the owner of the copyright interest or authorized to act on his or her behalf.

7. Disclaimers; Limitations of Liability; Indemnification

7.1 Disclaimer of Warranty

YOU USE THE SERVICES AT YOUR SOLE RISK. YOU EXPRESSLY AGREE THAT YOU WILL BE SOLELY RESPONSIBLE FOR (A) ANY DAMAGE, INCLUDING DAMAGE TO YOUR COMPUTER SYSTEM, OR LOSS OF DATA, THAT RESULTS FROM YOUR USE OF THE SERVICES, AND (B) FOR ANY DISCLOSURE OF INFORMATION THAT YOU UNDERTAKE WHILE USING THE SERVICES OR THE CONTENT. TO THE EXTENT PERMITTED BY APPLICABLE LAW, Level Wins PROVIDES THE SERVICES AND THE CONTENT “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS,” WITHOUT WARRANTY OF ANY KIND.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, Level Wins AND ITS AFFILIATES AND LICENSORS DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE, IMPLIED WARRANTIES OF NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE (EVEN IF Level Wins IS ADVISED OF SUCH PURPOSE), AND IMPLIED WARRANTIES ARISING FROM A PARTICULAR COURSE OF DEALING OR USAGE OR TRADE.

WITHOUT LIMITING THE FOREGOING, NEITHER Level Wins NOR ANY OF ITS AFFILIATES OR LICENSORS, NOR ANY OF THEIR OFFICERS, DIRECTORS, LICENSORS, EMPLOYEES, OR REPRESENTATIVES (COLLECTIVELY, THE “PROVIDERS”), REPRESENT OR WARRANT (I) THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE ACCURATE, TRUTHFUL, COMPLETE, RELIABLE, OR ERROR FREE; (II) THAT THE SERVICES WILL ALWAYS BE AVAILABLE OR WILL BE UNINTERRUPTED, ACCESSIBLE, TIMELY, RESPONSIVE, OR SECURE; (III) THAT ANY ERRORS OR DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES WILL BE FREE FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL PROPERTIES; (IV) THE ACCURACY, RELIABILITY, TIMELINESS OR COMPLETENESS OF ANY CONTENT AVAILABLE ON OR THROUGH THE SERVICES; (V) ANY IMPLIED WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE; OR (VI) THAT THE CONTENT IS NON-INFRINGING.

NO INFORMATION OR ADVICE PROVIDED THROUGH THE SERVICES, BY Level Wins, OR BY Level Wins’S EMPLOYEES OR AGENTS SHALL CREATE ANY WARRANTY.

Some states do not allow the exclusion of certain warranties. Accordingly, some of the above limitations and exclusions may not apply to you.

7.2 Limitation of Liability

IN NO EVENT SHALL Level Wins OR ANY OF THE PROVIDERS BE LIABLE, WHETHER UNDER ANY IMPLIED INDEMNITIES OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE), OR OTHERWISE ARISING OUT OF OR IN ANY WAY CONNECTED WITH: (I) USE OF THE SERVICES OR THE CONTENT, INCLUDING WITHOUT LIMITATION ANY DAMAGE CAUSED BY ANY RELIANCE ON, OR ANY DELAYS, INACCURACIES, ERRORS, OR OMISSIONS IN, THE SERVICES OR CONTENT, WHETHER PROVIDED BY Level Wins OR BY THIRD PARTIES; (II) ANY USE OR INABILITY TO USE OR ACCESS THE SERVICES FOR ANY REASON, (III) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR SEARCHES, CONTENT, DATA, OR ACCOUNT, (IV) ANY CONTENT PROVIDED BY OR CONDUCT OF ANY THIRD PARTY, INCLUDING WITHOUT LIMITATION ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF THIRD PARTIES; OR (V) ANY CONTENT OR SERVICES DISCUSSED, PURCHASED, OR OBTAINED, DIRECTLY OR INDIRECTLY, THROUGH THE SERVICES, EVEN IF Level Wins OR THE PROVIDERS ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF Level Wins OR THE PROVIDERS ARISING OUT OF OR RELATING TO THE USE OF THE SERVICES OR THE CONTENT EXCEED THE GREATER OF $100.00 (ONE HUNDRED UNITED STATES DOLLARS AND NO/100) OR THE AMOUNT YOU PAY TO Level Wins, IF ANY, IN THE PAST SIX MONTHS, FOR ACCESS TO OR USE OF THE SERVICES.

Some states do not allow the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations and exclusions may not apply to you.

7.3 Indemnification

You agree to hold harmless, defend, and indemnify Level Wins and the Providers from all liabilities, claims, demands, and expenses, (including without limitation reasonable attorneys’ fees), that are due to, arise from, or otherwise relate to your use or misuse of the Services or the Content including without limitation any actual or threatened suit, demand, or claim made against Level Wins or any Provider that arises out of or relates to: (i) any intellectual property rights or other proprietary rights of any third party, and (ii) your breach of this Agreement. Level Wins may assume exclusive control of any defense of any matter subject to indemnification by you (which shall not excuse your obligation to indemnify Level Wins), and you agree to cooperate with Level Wins in such event. You shall not settle any dispute subject to your indemnification under this Agreement without prior written consent from Level Wins.

8. General Terms

8.1 Controlling Law

These Terms will be governed by the laws of the State of Arkansas without regard to or application of its conflict of law provisions or your state or country of residence.

8.2 Severability and Waiver.

Waiver. Level Wins’s waiver of a breach or violation of any term or provision of the Terms shall not operate or be construed as a waiver of any subsequent breach or limit or restrict any right or remedy otherwise available to Level Wins.  No delay by Level Wins in the exercise of any right or remedy hereunder shall operate as a waiver thereof and no single or partial exercise by Level Wins of any right or remedy shall preclude other or further exercise thereof or the exercise of any other right or remedy. Acceptance by Level Wins of any payment hereunder shall not be construed or deemed to constitute a waiver of any breach of these Terms. Any waiver must be in writing and signed by the party to be bound thereby.  Except as otherwise expressly provided herein, any consent or waiver may be given or withheld in the sole and absolute discretion of Level Wins.

Severability. If any provisions of these Terms of Service are held to be unenforceable for any reason, such provision will be reformed only to the extent necessary to make it enforceable, and such decision will not affect the enforceability of such provision under other circumstances, or of the remaining provisions hereof under all circumstances.

8.3 Assignment

You may not assign any of your rights or obligations under this Agreement, and any such attempt will be void. Level Wins may assign its rights to any of its affiliates or subsidiaries, or to any successor in interest of any business associated with the Services.

8.4 Changes to the Service

We reserve the right, at any time and in our sole discretion, to amend, modify, suspend, or terminate the Services, the Content, and any part thereof, without notice to you. Level Wins shall have no liability to you or any other person or entity for any modification, suspension, termination, or loss of information.

8.5 Termination

These Terms will remain in full force and effect while you use the Services. If you wish to terminate this Agreement or your Account, you may simply discontinue using the Services. Level Wins may terminate your access to all or any part of the Services or Content at any time, with or without cause, with or without notice, effective immediately. All provisions of this Agreement that by their nature should survive termination shall survive termination, including without limitation ownership provisions, payment obligations, warranty disclaimers, release of claims, indemnity, and limitations of liability. Nothing in this section shall affect Level Wins’s right to change, limit, or stop the provision of the Services without prior notice, as provided in Section 8.4.

8.6 No Third-Party Beneficiaries

Except as otherwise expressly provided in this Agreement, there shall be no third-party beneficiaries to this Agreement.

8.7 Headings

The headings of the sections contained in these Terms are for convenience only and shall not be deemed to control or affect the meaning or construction of any provision of the Terms.

8.8 Changes to Terms

We reserve the right to change these Terms of Service at any time by posting the most current version of the Terms with a new Effective Date shown. It is your responsibility to review these Terms of Service prior to each use of the Services, and by continuing to use the Services, you agree to any changes. If you do not agree to these Terms, you must discontinue using the Services immediately.

8.9 Additional Terms

Special terms or rules may apply to some services offered on our web site or mobile applications, such as rules for special promotions or other features or activities. Any such terms are in addition to these Terms. In the event of any conflict or inconsistency between these Terms, our Privacy Policy, and any rules, restrictions, limitations, terms, or conditions that may be communicated to users of the Service, Level Wins shall determine which rules, restrictions, limitations, terms, or conditions shall control and prevail, in our sole discretion, and you specifically waive any right to challenge or dispute such determination.

8.10 Dispute Resolution: Agreement to Arbitrate

Please read the following sections carefully, as they affect your rights.

ANY DISPUTE, CLAIM, OR CONTROVERSY BETWEEN YOU AND Level Wins RELATING IN ANY WAY TO THIS AGREEMENT, THESE TERMS, OR YOUR ACCESS TO OR USE OF THE SERVICES OR CONTENT, WHETHER BASED IN CONTRACT, STATUTE, REGULATION, ORDINANCE, TORT (INCLUDING WITHOUT LIMITATION FRAUD, MISREPRESENTATION, FRAUDULENT INDUCEMENT, OR NEGLIGENCE), OR ANY OTHER LEGAL OR EQUITABLE THEORY (“DISPUTE”), WILL BE RESOLVED BY BINDING ARBITRATION IF IT CANNOT BE RESOLVED THROUGH NEGOTIATION AS SET FORTH IN THIS SECTION 8.10. ARBITRATION MEANS THAT THE DISPUTE WILL BE RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY. THE ARBITRATOR WILL DECIDE ALL THRESHOLD QUESTIONS, INCLUDING WITHOUT LIMITATION ISSUES RELATING TO THE ENFORCEABILITY, REVOCABILITY, OR VALIDITY OF THIS SECTION 8.10 AND WHETHER EITHER PARTY LACKS STANDING TO ASSERT THEIR CLAIM(S).

NOTWITHSTANDING THE FOREGOING, YOU AND Level Wins AGREE THAT EITHER PARTY MAY SEEK INJUNCTIVE RELIEF IN ANY COURT OF COMPETENT JURISDICTION TO (I) ENJOIN INFRINGEMENT OR OTHER MISUSE OF ANY PARTY’S INTELLECTUAL PROPERTY RIGHTS (INCLUDING WITHOUT LIMITATION VIOLATION OF ANY DATA USE RESTRICTIONS CONTAINED IN THIS AGREEMENT OR OTHER MISUSE OF THE CONTENT), OR (II) ENJOIN SCRAPING, WEB CRAWLING, OR UNAUTHORIZED ACCESS TO EITHER PARTY’S WEB SITES OR SERVICES.

If you have a Dispute with Level Wins, you must send written notice describing the Dispute to Level Wins to allow Level Wins an opportunity to resolve the Dispute informally through negotiation. The notice must include the name and contact information of the party providing notice, the facts giving rise to the claim, and the relief requested. You must send your notice to the following address: Level Wins, LLC, Attn: Legal Department, 4900 Club Road, Little Rock, AR 72207. If we have a Dispute with you, we will send written notice (e-mail or letter) describing the Dispute to you in the same manner as set forth above. Aside from the injunctive relief set forth above, both parties agree to negotiate resolution of a Dispute in good faith for no fewer than 45 days after notice of a Dispute has been provided. If the Dispute is not resolved within 45 days from receipt of notice of the Dispute, you or Level Wins may proceed to have the Dispute resolved through arbitration as each party’s exclusive Dispute resolution process (except for the injunctive relief exceptions set forth above). Again except for the injunctive relief exceptions set forth above, BOTH PARTIES HEREBY AGREE TO WAIVE THEIR RIGHT TO COURT ACTION AND THEIR RIGHT TO A JURY OF ANY DISPUTE THAT THEY MIGHT HAVE ARISING OUT OF THIS AGREEMENT OR THESE TERMS.

Any arbitration, if required, will be conducted by AAA under its then current and applicable rules and procedures, which are located at http://www.adr.org, and these rules will govern the payment of all filing, administration, and arbitrator fees, unless this Section 8.10 expressly provides otherwise. The party submitting a dispute for resolution through arbitration will pay AAA’s filing fee. Each party will pay their pro rata share of administration and arbitrator fees under AAA’s rules. The party that ultimately loses will pay the reasonable documented attorneys’ fees and costs of both parties. The arbitration shall be held in Little Rock, Arkansas.

YOU AND Level Wins EACH WAIVE ALL RIGHTS TO CONDUCT DISPUTE RESOLUTION PROCEEDINGS IN A CLASS ACTION OR CONSOLIDATED ACTION. YOU AND Level Wins EACH AGREE THAT ANY DISPUTE RE