Terms and Conditions

1. Introduction
Welcome to Endow! These Terms and Conditions (“Terms”) are a legal agreement between you (“you,” “your” or “User”) and Endow Technologies Inc. (“Endow,” “we,” “us,” or “our”), a Delaware corporation. By creating an Endow account or using any Endow services, you agree to be bound by these Terms. If you do not agree, you must not use our platform or services.

These Terms govern your access to and use of Endow’s website, mobile application, and all services, features, and content provided by Endow (collectively, the “Services”). You should read these Terms carefully. They explain your rights and obligations and set out important rules for using the Services. If you are using the Services on behalf of a company or other entity, you represent that you have authority to bind that entity to these Terms, and “you” will refer to both you as an individual and the entity.

Please note: These Terms contain an arbitration clause and class action waiver in the Dispute Resolution section that affect your legal rights. By accepting these Terms, you agree to resolve disputes with Endow through binding arbitration on an individual basis (except where expressly provided otherwise).

These Terms are effective as of June 24, 2025 (the “Effective Date”).

2. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) to use Endow’s Services. By registering an account or otherwise using the Services, you represent and warrant that you are 18 or older and that you have the legal capacity to enter into these Terms. The Services are intended for use by adults only; Endow does not knowingly provide accounts to or collect personal information from individuals under 18. If we discover that an underage person has created an account, we will terminate the account immediately.

You also represent that you are not barred from using the Services under any applicable laws. This means, for example, that you are not located in a country or on a list where U.S. or other applicable law prohibits use of the Services, and you are not subject to any sanctions or legal prohibition that would prevent you from using financial services like Endow. You agree to use the Services only for personal or business purposes that are lawful and in accordance with these Terms.

If you are registering or using the Services on behalf of a company or other legal entity, you further represent that the entity is duly organized and in good standing under the laws of its jurisdiction and that you have authority to bind the entity to these Terms. In such case, the entity will be responsible for compliance with these Terms by its users and agents.

3. Account Registration and Security
To access many of Endow’s features, you must create an account. When registering, you agree to provide truthful, current, and complete information about yourself (or your business, if applicable) as prompted by the registration process. You also agree to promptly update such information if it changes, so that your account records remain accurate. You are responsible for maintaining the confidentiality of your account login credentials, including any passwords or multi-factor authentication tools. Do not share your account credentials with anyone else.

You are fully responsible for all activities that occur under your Endow account, whether or not you authorized them. If you suspect or become aware of any unauthorized access to or use of your account, or any breach of security, you must notify Endow immediately via our support channels (for example, by emailing our support team at support@endow.com). Endow will not be liable for any loss or damage arising from your failure to safeguard your account credentials or notify us promptly of unauthorized use.

Endow may require you to undergo identity verification when creating an account or before enabling certain features (such as financial services). You agree to provide any information and documentation that we reasonably request for identity verification, fraud prevention, or compliance purposes. This may include providing government-issued identification, tax identification numbers, business incorporation documents, or other evidence as needed. We may deny account registration or suspend/terminate accounts if required information is not provided, is inaccurate, or raises legal or compliance concerns.

You agree to use your account solely for your own purposes (or your organization’s purposes, if you represent a company). You must not use anyone else’s Endow account, and you must not allow anyone else to use your account except authorized users in your organization (if applicable). You may not sell, transfer, or assign your account to any other person without our prior written consent. Endow reserves the right to suspend or terminate any account that it suspects is being used in violation of these Terms or for fraudulent, unlawful, or abusive activity.

4. Services and Third-Party Integrations
Endow provides a financial management platform designed for creators, freelancers, and gig workers to track and manage income from multiple sources. Our Services include tools for aggregating your revenue streams, tracking expenses and platform fees, calculating estimated taxes, and offering financial insights and planning features. Some features may use automated algorithms or artificial intelligence to provide suggestions or analytics. While we strive to provide useful and accurate information, you acknowledge that all information and outputs from the Services are for your reference only and should be independently verified (see No Professional Advice below).

A core feature of Endow is the ability to connect and manage revenue data from third-party platforms such as YouTube, Shopify, Patreon, Airbnb, Etsy, Uber, and others (collectively, "Third-Party Platforms"). In order to use this feature, you may need to provide Endow with access to your accounts on those Third-Party Platforms. For example, Endow may enable you to link your accounts via application programming interfaces (APIs), provide login credentials or authorization tokens, or upload data (such as CSV files) from those platforms. By linking a Third-Party Platform account to Endow or otherwise providing us access to data from such platforms, you grant Endow permission to access, retrieve, store, and use information from those accounts on your behalf in order to provide the Services.

You represent and warrant that you have the right to access and share each Third-Party Platform account or data that you connect to Endow, and that doing so will not violate any agreement (such as the terms of service of the Third-Party Platform) or any applicable law. You are responsible for complying with all Third-Party Platform rules and policies. Endow is not affiliated with, endorsed by, or an agent of any Third-Party Platform. You acknowledge that Third-Party Platforms are independent services over which Endow has no control.

We do not guarantee that any Third-Party Platform will remain compatible with or accessible through Endow. The scope of integrations and access may change over time. If a Third-Party Platform restricts our access, changes its API, experiences an outage, or if your account on that platform is modified or terminated, Endow is not responsible for any resulting lack of data or functionality in our Services. Similarly, Endow is not liable for any issues or damages arising from inaccurate or delayed data provided by Third-Party Platforms.

Any data retrieved from Third-Party Platforms and displayed to you in Endow is for your convenience and informational purposes. Endow does not guarantee the accuracy or completeness of data imported from external sources. It is your responsibility to review any imported data and, if necessary, correct or update it (for example, if you believe there are errors in a CSV import or API sync). Endow may provide tools to edit or categorize imported data, but you remain ultimately responsible for the integrity of data from your external accounts.

In using our Services, you may encounter links or integrations to third-party websites, services, or products not owned or controlled by Endow. For example, our website might link to educational resources or partner offers, or we might allow you to initiate certain actions through a partner service. These third-party services are governed by their own terms and privacy policies, not these Terms. Endow is not responsible for the content, functionality, or practices of any third-party services. Your use of any third-party service is at your own risk, and you should review the applicable terms and policies before engaging with them.

5. Endow Wallet and Payment Services
Endow may offer an integrated wallet or banking feature (the "Endow Wallet") that allows you to receive, hold, and manage funds from your various revenue sources in one place. The Endow Wallet is designed to enable you to set your Endow-provided account details as the payout method on Third-Party Platforms (so that earnings from those platforms are deposited directly into your Endow Wallet) and to facilitate moving funds to your own external bank account. By using the Endow Wallet or any related payment services, you agree to the terms of this section, in addition to any separate terms and conditions that may be provided by the financial institutions we partner with.

Provision of Financial Accounts: You understand that Endow itself is not a bank. Any banking services offered through Endow (such as providing you with an account and routing number or other financial account credentials) are provided in partnership with one or more third-party financial institutions or licensed providers (each a "Banking Partner"). By opting to use the Endow Wallet and associated banking features, you may be required to agree to the Banking Partner’s own account agreements or terms of service. We will provide you with any such additional terms at the time those features are activated. You must comply with all such terms, as well as all applicable financial regulations, when using the Endow Wallet.

Identity Verification and Compliance: The Endow Wallet is a regulated financial service. To use it, you will need to verify your identity and possibly provide additional information as required by know-your-customer (KYC), anti-money laundering (AML), and other regulations. This may include providing your full legal name, address, date of birth, government identification, taxpayer identification (such as SSN or EIN), and any other information our Banking Partner or we deem necessary. By using the Endow Wallet, you authorize us to share the information you provide with our Banking Partner and any relevant service providers for the purpose of opening and administering your account and complying with legal obligations. We reserve the right to deny or limit access to the Endow Wallet if you do not pass required verification checks or if your use of the Services would violate any law or regulation.

Use of the Wallet; Authorized Transactions: Funds deposited into your Endow Wallet (for example, earnings from linked platforms) will be available for you to view and manage through the Endow platform. You may direct that these funds be withdrawn or transferred to an external bank account in your name (subject to any security checks, transfer limits, or fees that may apply). You agree that you will use the Endow Wallet only for legitimate purposes in connection with the Services. You must not use the Endow Wallet for unlawful or prohibited transactions, such as money laundering, financing illegal activities, gambling transactions (if prohibited), or any other use that violates these Terms or applicable law. Endow and its Banking Partners reserve the right to decline or reverse any transaction that is suspected to be fraudulent, unauthorized, or unlawful.

No Interest and No Guarantee of Earnings: The Endow Wallet is provided as a convenience for managing your incoming payments. It is not a savings or investment account. You will not earn interest or other returns on funds held in your Endow Wallet unless explicitly stated otherwise for a particular program. Endow does not guarantee that using the Wallet or our Services will result in any particular amount of earnings or financial benefit. The amount of revenue you receive depends on your activities on Third-Party Platforms and other factors outside Endow’s control.

Funds Availability and Holds: While Endow will credit your Endow Wallet for payments we receive on your behalf, all funds are subject to final receipt by our Banking Partner. This means that if a payment is reversed, disputed by the payer, or recalled by a Third-Party Platform (for example, due to fraud or error), we may deduct those funds from your Wallet balance. We may place holds on funds (preventing withdrawal) in certain cases, such as when a deposit is unusually large, if we suspect fraud, or if required by law. We will inform you if a hold is placed and, in general, will release holds as soon as the underlying issue is resolved. However, Endow is not responsible for any delays in your ability to access funds due to holds, compliance reviews, or delays in the banking system.

Fees and Limits: Endow may impose limits on the amount of money you can receive, hold, or transfer through the Endow Wallet, especially when you first begin using it or until your identity is fully verified. Additionally, certain transactions (such as outgoing transfers or specific payment methods) may incur fees. Any applicable fees will be disclosed to you through the Services (for example, in a fee schedule or at the time of transaction). By using the Wallet, you agree to pay any such fees and authorize us (or our Banking Partner) to deduct fees from your Wallet balance as they become due.

Your Responsibilities: You are responsible for ensuring that any external bank account you direct funds to is correctly identified and belongs to you. If you provide incorrect account details for a transfer, funds could be misdirected, and we may not be able to recover them. Endow (and our Banking Partner) will rely on the information you provide and will not be liable if you provide incorrect details. You also agree to promptly review your Endow Wallet transaction history and notify us of any errors or unauthorized transactions. We will investigate any reported issues and, where appropriate, take corrective actions in accordance with applicable laws and the Banking Partner’s policies.

Disclaimer – Not FDIC Insured by Endow: Funds in your Endow Wallet may be held at our Banking Partner, which is an FDIC-insured institution. To the extent that is the case, those funds may be eligible for FDIC insurance coverage through the Banking Partner (subject to FDIC rules and limits). However, you understand that Endow itself is not a bank and does not directly offer FDIC insurance. Endow makes no guarantee about insurance or protection of funds beyond what our Banking Partner provides. You agree that Endow is not liable for any loss of funds in your Wallet except to the extent required by law or the Banking Partner’s terms.

6. Fees and Payments
Service Fees: As of the Effective Date, Endow’s basic platform services are provided to you free of charge. However, Endow reserves the right to charge fees for certain features or services in the future (for example, a premium subscription plan or fees associated with payment transactions). If we decide to introduce fees, we will provide you with clear notice (such as by posting the fee schedule within the app or on our website, or by other communication) and such fees will apply on a going-forward basis. You will not be charged for any service unless you have had the opportunity to review and accept applicable fees. By continuing to use a feature or service after being notified of a fee, you agree to pay that fee.

Transaction Fees: Some aspects of the Services may involve third-party fees or charges. For instance, if you use the Endow Wallet to transfer funds, there might be transaction fees (such as ACH transfer fees or card processing fees) charged by our Banking Partner or payment processors. Endow will disclose any such fees to you at the time of the transaction or in a fee schedule. You are responsible for any Third-Party Platform fees (for example, platform commissions or payout fees on sites like YouTube or Airbnb) and any taxes that may apply to your earnings; those are between you and the platform or tax authority, not Endow.

Payment of Fees: If you incur any fees to Endow, you agree to pay them when due. Depending on the nature of the fee, we may deduct the fee directly from your Endow Wallet balance, charge your provided payment method (such as a credit card or bank account on file), or invoice you. You authorize Endow (and our payment processors or Banking Partners) to charge or debit your account for any amounts you owe under these Terms. If any payment is not received on time, we may assess late charges or suspend your access to fee-based services until paid. All fees are in U.S. dollars unless otherwise specified, and are non-refundable except as required by law or expressly stated by us.

7. User Conduct and Acceptable Use
When using Endow’s Services, you agree to do so responsibly and in compliance with all applicable laws and these Terms. You must not abuse our platform or use it for any harmful or unauthorized purposes. In particular, you agree that you will NOT:

• Violate Laws or Rights: Use the Services for any illegal purpose or in violation of any local, state, national, or international laws or regulations. You also agree not to infringe or violate the rights of any other person or entity (including intellectual property rights, privacy rights, or contractual rights) while using Endow.

• Provide False Information: Submit any information to Endow that is false, fraudulent, misleading, or that you do not have the right to provide. This includes not uploading any falsified financial data or impersonating any person or entity.

• Interfere with the Service: Attempt to interfere with or disrupt the operation of the Services. This means you will not introduce viruses, malware, or any other harmful code; not engage in any denial-of-service attacks or other activities that burden the platform’s infrastructure; and not attempt to bypass any security or authentication measures of Endow.

• Unauthorized Access: Access (or attempt to access) any feature or area of the Services that you are not authorized to use, or probe, scan, or test the vulnerability of our systems or networks without proper authorization. Similarly, you agree not to circumvent any technical measures we have in place to protect the Services or to gain access to data that is not intended for you.

• Improper Use of Wallet: Use the Endow Wallet or any payment features for any purpose prohibited by these Terms. This includes using the Wallet for personal transactions unrelated to your business/creator earnings if such use is not intended, or using it to send/receive money on behalf of third parties. You may not use the Wallet to engage in money transmission for others or operate any unauthorized financial business through Endow.

• Spam or Abuse: Use the Services to transmit any spam, unsolicited advertising or promotions, or any other form of harassment or abuse. You should also refrain from scraping data from the platform or using automated means (like bots or scripts) to extract data or perform actions, except as explicitly allowed by Endow.

• Reverse Engineering and Misuse: Copy, modify, distribute, sell, or lease any part of our software or Services; and you will not attempt to reverse engineer or extract the source code of that software, except to the extent allowed by law. You will not misuse Endow’s intellectual property or branding, nor imply any false association with Endow.

Endow reserves the right to monitor for violations of the above and to investigate or take action (including suspension or termination of accounts) if we believe misuse is occurring. We may also report any suspected unlawful conduct to law enforcement or other appropriate authorities.

8. User Data and Privacy
Your Data and Content: In the course of using Endow, you will input or upload financial information and possibly other content (collectively, "User Data"). You retain ownership of your User Data. Except for the licenses and permissions you grant us under these Terms and our Privacy Policy, Endow does not claim any ownership of the content or data that you submit to the Services. However, you hereby grant Endow a worldwide, royalty-free license to use, reproduce, process, transmit, and display your User Data (including content generated from your data) as necessary to provide the Services to you, to maintain and improve our Services, and to develop new features. This license includes, for example, the right for us to aggregate or anonymize your data and use it to generate comparative insights or statistics (for instance, average earnings across users), so long as such aggregated data does not identify you personally.

You are responsible for the User Data you provide and ensure that it does not violate any laws or rights of others. By uploading or inputting any data, you represent that you have all necessary rights to that data and that our processing of it in accordance with these Terms and our Privacy Policy will not violate any third-party rights. If you choose to upload content such as receipts, invoices, or other documents, you should ensure they do not contain sensitive personal information unless necessary for the use of the Services.

Privacy Policy: Your privacy is very important to us. Our collection, use, storage, and disclosure of personal information in connection with the Services are governed by our Privacy Policy (which is incorporated into these Terms by reference). The Privacy Policy explains how we handle your personal data and protect your privacy when you use Endow. By using the Services, you agree that Endow can collect and use your information as described in the Privacy Policy. We strive to comply with all applicable data protection laws, such as the EU General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), to the extent they apply to Endow’s operations.

Data Security: Endow employs administrative, technical, and physical security measures designed to protect your information from unauthorized access or disclosure. However, no method of transmission over the Internet or method of electronic storage is completely secure. Therefore, while we endeavor to protect your data, we cannot guarantee absolute security. You are responsible for using a strong password and safeguarding your account access, as noted above. If we become aware of a data breach that affects your personal information, we will notify you and the appropriate authorities as required by law.

9. Intellectual Property
Endow’s Intellectual Property: The Services (including our website and app), along with all content, software, technology, designs, and materials provided or used by Endow in connection with the Services, are protected by intellectual property laws and belong to Endow or our licensors. This includes all trademarks, logos, and service marks of Endow (such as our company name and logos), which are our property. We only grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Endow Services and our content for your own personal or internal business use in accordance with these Terms. Except for this limited license, we retain all right, title, and interest in and to our Services and intellectual property.

You agree not to copy, reproduce, distribute, publicly display, or create derivative works from any portion of the Services or content provided by Endow, unless expressly authorized by us in writing. You also must not remove or alter any copyright, trademark, or other proprietary rights notices on any materials obtained from our Services.

User Feedback: If you choose to provide feedback, comments, or suggestions to Endow about our Services (for example, ideas for improvements or new features), you acknowledge that any such feedback is given voluntarily and that Endow is free to use, disclose, reproduce, license, or otherwise distribute and exploit your feedback as it sees fit, without any obligation or compensation to you. We appreciate feedback, but you understand that we may already be working on similar ideas or that we are not obligated to implement your suggestions.

10. No Professional Advice
Endow’s Services and content are provided for informational and organizational purposes only. Neither Endow nor the Services provide legal, tax, investment, or accounting advice. While our platform may offer tools like tax estimations, financial projections, or recommendations to help you manage your finances, these are not a substitute for professional advice tailored to your particular circumstances. You should consult with a qualified accountant, tax advisor, attorney, or financial planner for advice on your specific situation. Endow does not guarantee the accuracy, completeness, or applicability of any information or analytics provided for meeting your legal or tax obligations.

No Fiduciary Relationship: Your use of the Services does not create a lawyer-client, accountant-client, or any fiduciary or professional relationship between you and Endow. Endow is not acting as your financial planner, certified public accountant, or tax advisor. Any recommendations or insights generated by the Services (for example, suggestions to save for taxes or optimize expenses) are based on generalized algorithms and information you provide, and should be verified independently. You remain solely responsible for your financial decisions, the taxes you owe, and compliance with all laws and regulations relevant to you.

11. Disclaimer of Warranties
Use at Your Own Risk: You expressly understand and agree that your use of the Endow Services is at your sole risk. The Services are provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind. To the maximum extent permitted by law, Endow (including its affiliates, officers, directors, employees, and agents) disclaims all warranties and conditions, whether express, implied, or statutory, regarding the Services and any content or information provided through the Services.

No Guarantee of Accuracy or Uptime: Endow makes no warranty that the Services will meet your requirements or expectations, or that the operation of the Services will be uninterrupted, timely, secure, or error-free. We do not guarantee the accuracy, reliability, completeness, or usefulness of any information or results obtained through the Services (including data imported from Third-Party Platforms or analytics and insights generated by Endow). You understand that data computation, aggregation, or analysis may contain errors, and any actions you take based on information from the Services are taken at your own discretion and risk.

Disclaimer of Implied Warranties: All implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement are expressly disclaimed. Endow does not warrant that the Services are free of viruses, malware, or other harmful components, though we take security measures as described above. Any material downloaded or otherwise obtained through the use of our Services is done at your own discretion and risk, and you will be solely responsible for any damage to your device or loss of data that results from the download or use of any such material.

Third-Party Content: Any third-party content or services that may be accessible via Endow (including data from Third-Party Platforms or links to external websites) are not under our control, and we make no representation or warranty regarding those. Endow does not endorse and is not responsible for statements, advice, or representations made by third parties.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above disclaimers may not apply to you. In such cases, any warranties required by law are limited to the shortest period and fullest extent permitted by law.

12. Limitation of Liability
To the maximum extent permitted by law, in no event will Endow or its affiliates, officers, employees, agents, partners, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenues, data, goodwill, or other intangible losses, arising out of or related to your use of (or inability to use) the Services. This limitation applies to any theory of liability, whether based in contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damages, and even if a remedy fails of its essential purpose.

In addition, to the extent permitted by law, the total aggregate liability of Endow (and its affiliates and agents) to you for all claims arising out of or relating to the Services or these Terms is limited to the greater of: (a) the total amount of fees you have paid to Endow in the 12 months prior to the event giving rise to the liability, or (b) USD $100. If you have not paid any fees to Endow in that time, the cap under (a) would be $0, so in such case our total liability to you for all claims will not exceed $100.

Some jurisdictions do not allow the exclusion or limitation of certain damages. If laws applicable to your use of the Services do not allow the exclusion of certain damages or the limitation of liability as set forth above, then those provisions shall apply to you only to the extent permitted by such laws.

13. Indemnification
You agree to indemnify, defend, and hold harmless Endow, its parent company, affiliates, and each of their respective officers, directors, employees, and agents (collectively, the "Indemnified Parties") from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees and costs) arising out of or related to: (a) your use of the Services (including any actions taken by a person using your account), (b) your violation of these Terms or of any law or regulation, or (c) your infringement or misappropriation of any intellectual property or other rights of any third party. This indemnification obligation includes, for example, any claims that you failed to properly pay taxes or fulfill legal obligations in connection with your use of Endow, or claims related to content or data you provided to us.

Endow reserves the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (in which case you agree to cooperate with us in asserting any available defenses). You agree not to settle any such matter without the prior written consent of Endow. Your indemnification, defense, and hold harmless obligations will remain in effect even after you stop using the Services or these Terms end.

14. Suspension and Termination
By Endow: We may suspend or terminate your access to the Services (or certain features) at any time, with or without notice, if we reasonably believe that: (i) you have violated any of these Terms or are engaged in any fraudulent, illegal, or improper use of the Services; (ii) you pose a security threat or risk of harm to Endow or any other users; or (iii) it is necessary to protect Endow’s interests (for example, if you have long periods of inactivity or if we discontinue the Services). We will attempt to give advance notice when practicable, but we may terminate or suspend accounts immediately in certain circumstances (such as an egregious Terms violation or legal requirement). Endow shall not be liable to you for any termination of your account or denial of access to the Services.

By You: You may stop using the Services and terminate your Endow account at any time. If you wish to delete your account, you can do so through the account settings (if available) or by contacting our support team with a request to close your account. Terminating your account will end your authorization to use the Services. Please note that if you have any funds remaining in your Endow Wallet at the time of account closure, you should withdraw those funds before requesting termination. We will provide reasonable assistance to transfer out any remaining balance to a verified external account of yours upon termination. If we are unable to contact you or you do not withdraw your funds, those funds may be handled in accordance with applicable laws regarding unclaimed property.

Effect of Termination: Upon termination of your account, whether by you or by us, your right to access and use the Services will immediately cease. You must cease all use of the Services, and we may disable or delete your account and all associated data from our systems (except to the extent we are required or permitted to retain data under applicable law or our Privacy Policy). Endow will not be obligated to provide you with any data that was in your account after termination, so please ensure you have secured any information you need beforehand. Any provisions of these Terms which by their nature should survive termination (including, but not limited to, provisions related to ownership of data, intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and other miscellaneous provisions) will survive the termination of your account and your use of the Services.

Terminating your account or the termination of these Terms does not relieve either party of any obligations that have accrued or liabilities that have arisen prior to the effective date of termination. For example, if you owe any fees or have an unresolved issue at the time of termination, those obligations remain in effect.

15. Governing Law and Dispute Resolution
Governing Law: These Terms and any dispute arising out of or relating to the Services or these Terms shall be governed by the laws of the State of Delaware, USA, without regard to its conflict of law principles, except to the extent that U.S. federal law (such as the Federal Arbitration Act) applies.

Arbitration Agreement: You and Endow agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services (collectively, "Disputes") shall be resolved through binding arbitration on an individual basis, except as set forth under “Exceptions to Arbitration” below. This means that you and Endow are each waiving the right to a trial by jury and to participate in a class action or representative proceeding for any Dispute, to the fullest extent permitted by law.

Arbitration Procedures: Arbitration will be administered by the American Arbitration Association (AAA) and governed by the Federal Arbitration Act. Unless the parties agree otherwise, if you are an individual using the Services for personal or small business use, the AAA Consumer Arbitration Rules will apply; if you are using the Services on behalf of a legal entity in a commercial capacity, the AAA Commercial Arbitration Rules will apply. You can find more information about AAA and its rules on the AAA website. A single neutral arbitrator will conduct the arbitration. The arbitration may be conducted through written submissions, telephone, or video conference, or in person in the county where you live or another mutually agreed location. The arbitrator will have the authority to award the same damages and relief that a court could (including attorney’s fees where permitted by law), but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. The arbitrator’s decision and award will be final and binding, and judgment on the award may be entered in any court having jurisdiction.

Exceptions to Arbitration: Notwithstanding the above, either you or Endow may choose to bring an individual claim in small claims court (if it qualifies) rather than in arbitration. Also, disputes relating to intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, or patents) and claims of unauthorized access to or misuse of the Services (like unauthorized access to your account) shall not be subject to arbitration and may be brought in court.

Opt-Out Right: You have the right to opt out of the binding arbitration agreement in this section. If you do not wish to be bound by the arbitration provision, you must notify us in writing within 30 days of first accepting these Terms. Your written notice must include your name, the email address associated with your Endow account, and a clear statement that you wish to opt out of arbitration. Please send your opt-out notice by email to legal@endow.com or via U.S. mail to our mailing address (available on our website or through customer support). If you opt out of arbitration, the arbitration agreement will not apply to you or Endow. However, your opt-out will not affect the rest of these Terms, including, for example, the class action waiver in this section.

No Class Actions: To the fullest extent permitted by law, you and Endow 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. The arbitrator (or, if arbitration is not applied, a court) may not consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to resolve that party’s individual claim.

Judicial Forum for Non-Arbitrable Disputes: In the event that the arbitration agreement is found not to apply to you or a particular Dispute (for example, if you opt out of arbitration or if a court rules that the arbitration clause is unenforceable), you and Endow agree that any judicial proceeding (subject to the class action waiver above) will be brought in the state or federal courts of the State of Delaware, located in New Castle County. Both you and Endow consent to venue and personal jurisdiction in those courts.

16. Changes to These Terms
Endow may revise or update these Terms from time to time. We reserve the right to modify the Terms at our discretion, but if we do, we will provide notice to users in a manner reasonable under the circumstances (for example, by posting the updated Terms on our website or within the app, and updating the "Last updated" date at the top, or by email notification for significant changes). It is important that you review any revised Terms, because by continuing to use the Services after the new Terms become effective, you agree to be bound by the updated Terms.

If you do not agree to any update or modification of the Terms, you must stop using the Services and, if applicable, terminate your account. The currently effective Terms will be posted on our website, and we encourage you to check back periodically to ensure you are aware of the latest terms and conditions governing your use of Endow.

17. Miscellaneous
Entire Agreement: These Terms (together with any additional policies or terms referenced herein or provided by Endow, such as our Privacy Policy or any product-specific terms) constitute the entire agreement between you and Endow regarding the Services and supersede all prior and contemporaneous agreements, proposals, or communications (whether oral or written) relating to your use of the Services. Any terms and conditions in any purchase order or other document provided by you are void and of no effect unless expressly accepted in writing by Endow.

Severability: If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions of these Terms will remain in full force and effect. The parties agree that the court or arbitrator should modify the stricken provision to reflect the parties’ intention as closely as possible, and if such modification is not possible, to sever and remove the unenforceable provision.

No Waiver: Endow’s failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Endow.

Assignment: You may not assign or transfer these Terms or your rights or obligations under these Terms, in whole or in part, without our prior written consent. Any attempted assignment in violation of this provision is null and void. Endow may freely assign or transfer these Terms (in whole or in part) as part of a merger, acquisition, sale of business, or other corporate reorganization, or by operation of law, or otherwise at its discretion.

Relationship of Parties: You and Endow are independent contractors, and nothing in these Terms shall be construed to create a partnership, joint venture, employment, or agency relationship between us. Neither party has authority to bind the other or incur obligations on the other’s behalf.

Headings and Interpretation: Section headings in these Terms are for convenience only and have no legal or contractual effect. Words such as “including” shall be construed without limitation to the context (as if followed by “without limitation”).

Notices: Unless otherwise specified in these Terms, any notices to Endow should be sent to our official mailing address or email as provided on our website. We may send you notices by email to the address associated with your account, by mail, or by postings within the Services.

Contact Information: If you have any questions, concerns, or feedback about these Terms or the Services, you can contact us at support@endow.com. Our mailing address is Endow Technologies Inc., 1007 N Orange St. 4th Floor Ste 1382, Wilmington, DE 19801, USA.