Terms of use

Effective as of February 21st, 2018

Please read these Terms of Service (“Terms”, “Terms of Service”) carefully before using the Crumbs website (“Site”) or mobile application (“App”), which are operated by Crumbs Technologies (“us”, “we”, or “our”).

Your access to and use of the Site and App is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Site and App.

By accessing or using the Site or App you agree to be bound by these Terms. If you disagree with any part of the Terms then you do not have permission to access the Site or App.

Registration

When you register with us, you represent that: (a) you are age 18 or older; (b) you are a U.S. citizen or resident residing in the United States; and (c) that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your registration.

You are responsible for maintaining the confidentiality of your registration information and password, including but not limited to the restriction of access to your computer and/or registration. You agree to accept responsibility for any and all activities or actions that occur under your registration and/or password, whether your password is with our App, Site, or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your registration.

Services

By registering with us, you are able to use the Site or App to enable purchases of certain cryptocurrencies based on your risk preference (the “Service”). You are able to change your risk preference at anytime, although it may take Crumbs up to three (3) business days to adjust accordingly the purchase of cryptocurrencies.

Cryptocurrencies are not FDIC-insured and purchasing them involves risk because they may lose value. Please consider your objectives before registering for the Service. Crumbs does not guarantee any outcome and any projections are hypothetical in nature. Past performance is not a guarantee of future results. You are solely responsible for evaluating the risk associated with use of the Service.

We reserve the right to modify or change to Site, App, or Services, temporarily or permanently, with or without notice to you, and we are not obligated to support or update the Site, App, or any Service. You acknowledge and agree that we shall not be liable to you or any third party in the event we exercise our right to modify, change, or discontinue the Site, App, or Service.

Sub-account Registration

We create sub-accounts for you with our payment vendor SynapseFI in order to process USD deposits and withdraws. By using Crumbs you agree to SynapseFI’s Terms of Service and Privacy Policy

Transaction History

Client uses Plaid Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Client and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.

Subscriptions

Some parts of the Service are billed on a subscription basis (“Subscription(s)”). You will be billed in advance on a recurring and periodic basis (“Billing Cycle”). Billing cycles are set on a monthly basis.

At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you or we cancel it. You may cancel your Subscription renewal either through the website or App or by contacting our customer support team.

A valid payment method, including credit card, is required to process the payment for your Subscription. You shall provide Crumbs Technologies with accurate and complete billing information including full name, address, state, zip code, telephone number, and a valid payment method information. By submitting such payment information, you automatically authorize Crumbs Technologies to charge all Subscription fees incurred through your registration to any such payment instruments.

Should automatic billing fail to occur for any reason, Crumbs Technologies will issue an electronic invoice indicating that you must proceed manually, within a certain deadline date, with the full payment corresponding to the billing period as indicated on the invoice.

Fee Changes

Crumbs Technologies, in its sole discretion and at any time, may modify the Subscription fees for the Subscriptions. Any Subscription fee change will become effective at the end of the then-current Billing Cycle.

Crumbs Technologies will provide you with reasonable prior notice of any change in Subscription fees to give you an opportunity to terminate your Subscription before such change becomes effective

Your continued use of the Service after the Subscription fee change comes into effect constitutes your agreement to pay the modified Subscription fee amount.

Crumbs Technologies will also charge users a fee per ach transaction, example: deposits and withdrawals of funds.

Refunds

Except when required by law, paid Subscription fees are non-refundable.

Use and Restrictions

All text, videos, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, artwork, algorithms, functionalities, features and computer code, including but not limited to design, structure, “look and feel” and arrangement of the content available on the Site or App (collectively, “Content”) is owned, controlled or licensed by or to us, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws. You are not authorized to, and agree not to, download, display or use any Content in any publication, advertising, publicity or any other commercial or non-commercial manner, in connection with products or services that are not those of Crumbs, in any other manner that is likely to cause confusion among consumers. You may not modify, copy, distribute, publish, license or sell any Services or Content or any derivative work based on the Services or Content.

The Site, App, and Service may be used for non-commercial purposes only.

You may not use the Site, App, or Service for illegal or unlawful or malicious activities, or for activities that we deem improper for any reason whatsoever in our sole judgment, including, without limitation, the laundering of proceeds of any unlawful activity, the financing of terrorism, the commission of fraud or market manipulation, the harassing or making disparaging comments to any user of the Site or Application. We reserve the right to take preventative or corrective actions to protect ourselves and our users. Your use of the Site, the App, and Service is conditioned in part on your compliance with the rules of conduct provided herein, and your failure to comply may result in termination of your access to and use of the Site, the App, and Service and liability for damages caused by your noncompliance

Links To Other Web Sites

Our Service may contain links to third party web sites or services that are not owned or controlled by Crumbs Technologies

Crumbs Technologies has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Crumbs Technologies shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.

Privacy

We are committed to your privacy, and our privacy policy, the terms of which are incorporated herein, explains the policies put in place and used by us to protect your privacy as you use and visit the Site, App, and/or Services.

Termination

We may terminate or suspend or bar your access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your registration, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Indemnification

You agree to defend, indemnify and hold harmless Crumbs Technologies and its licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of (a) your use and access of the Service, by you or any person using your registration and password, (b) your breach of these Terms, (c) your fraudulent or malicious use of the Site, App, or Services, or your misuse of the same, or (d) your violation of applicable laws, rules, or regulations in connection with your use of the Site, App, or Services.

Limitation Of Liability

In no event shall Crumbs Technologies, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any direct, indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use of the Site, App, or Service; (ii) any conduct or content of any third party on the Site, App, or Service; (iii) any Content obtained from the Site, App, or Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WITHOUT LIMITATION (1) AS TO TITLE, MERCHANTABILITY, FITNESS FOR ORDINARY PURPOSES AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, (2) THE QUALITY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE SITE, THE APPLICATION AND THEIR RESPECTIVE CONTENT, (3) THOSE ARISING THROUGH COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE, (4) THE SITE AND APPLICATION AND THEIR RESPECTIVE CONTENT CONFORMING TO ANY FUNCTION, DEMONSTRATION OR PROMISE BY ANY COMPANY PARTY AND (5) THAT ACCESS TO OR USE OF THE SITE, THE APPLICATION OR THEIR RESPECTIVE CONTENT WILL BE UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE. ANY RELIANCE UPON THE SITE, THE APPLICATION AND THEIR RESPECTIVE CONTENT IS AT YOUR OWN RISK AND we make no warranties..

Crumbs Technologies its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.

Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.

Governing Law

These Terms shall be governed and construed in accordance with the laws of California, United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

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