Strike Terms of Service

Last Updated: June 2, 2026

These Terms of Service ("Agreement") govern your use of the products and services of Zap Solutions, Inc. dba Strike or Strike.me and Zap Solutions Capital, Inc. (collectively, "Strike", "we", "us", or "our", as applicable) through our website located at https://strike.me (the "Site") and our mobile device and web-based applications ("App(s)"). Credit products are provided by Zap Solutions Capital, Inc. ("Strike Lending") or a bank partner and are subject to the additional terms in Appendix B and separate written agreements. This Agreement includes these Terms of Service as well as any other agreements or disclosures that apply to your Account, each as amended or supplemented from time to time and constitutes a binding obligation between you and Strike. To make this Agreement easier to read, the Site, Apps, and the services that we provide through the Site and the Apps are collectively referred to in this Agreement as the "Services." The Services are provided by Strike, including its affiliates as applicable and identified in written communications, electronic transmissions, receipts or otherwise that reference this Agreement. By using the Services, you agree to be bound by this Agreement, the Acceptable Use Policy, and any additional provisions and conditions provided to you for your use of the Services (collectively, the “Policies”), which may include terms and conditions from third parties.

IMPORTANT NOTICE REGARDING ARBITRATION: WHEN YOU AGREE TO THIS AGREEMENT YOU ARE AGREEING TO RESOLVE ANY DISPUTE BETWEEN YOU AND STRIKE THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY SECTION 12 "ARBITRATION AGREEMENT" FOR DETAILS REGARDING ARBITRATION.

We will periodically revise and update this Agreement and post the updated version to the Site and Apps, as further described in Section 2 (Changes to Agreement or Services).

1. Privacy Notice

   Please refer to the "Strike Global Privacy Notice" ("Privacy Notice", available at https://strike.me/privacy) for information on how we collect, use, and disclose information, including your personal information. You acknowledge and agree that through your use of the Services, you consent to the collection, use, and disclosure of your information as set forth in the Privacy Notice. In providing the personal information of any individual (other than yourself) that may receive transactions from you as part of your use of the Services, you agree that you have obtained consent from such individual to disclose their personal information to us, as well as their consent to our collection, use, storage, and disclosure of such personal information, in the manner and for the purposes set out in our Privacy Notice.

2. Changes to Agreement or Services

   We may update this Agreement at any time (including the Policies), at our sole discretion. If we do so, we will deliver a notice by posting the updated Agreement on the Apps and on the Site, and potentially through other communication(s) deemed appropriate by us. Accordingly, it is important that you review this Agreement on our Apps or Site regularly for updates, including when you use the Services. Strike reserves the right to adjust its pricing and fees at any time, but may provide at least 30 days’ prior notice of changes to its fees, terms, or this Agreement to users in certain states where required by applicable law. If you continue to use the Services after we have posted an updated Agreement, you are agreeing to be bound by the updated Agreement. If you do not agree to be bound by the updated Agreement, then you may not use the Services anymore. As our Services evolve, we may change or discontinue all or any part of the Services, at any time and without notice, at our sole discretion.

3. Eligibility and Account Creation

   (a) Eligibility. If you wish to access the Services, you must create an account with Strike ("Account"). To open an Account and use the Services, you must be 18 years of age or older and capable of forming a binding contract, in compliance with the terms of this Agreement, and not otherwise barred from using the Services under applicable law. We may establish additional eligibility criteria at our discretion. By creating an Account, you represent that you (not anyone else) have created the Account and that you will only use the Account for yourself and not on behalf of a third-party without Strike’s consent.

   (b) Important Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

   (c) Your Account Credentials and Security Obligations. When you create an Account, you must retain access to the Account-linked email, your personal identification number (“PIN”) and any other credentials that are used to access your Account (collectively, "Credentials") to continue to access your Account and to use the Services. You must maintain the security of your Account by protecting your Credentials and Account-linked devices, not disclose your Credentials to anyone, and never allow any other person to have access to your Account or Credentials. You must immediately notify us if you discover or otherwise suspect any person other than you has access to your Account or Credentials, or if you discover or suspect any unauthorized use of or access to your Account. You are responsible for all activities that occur on your Account, whether or not you know about them. You agree to cooperate fully with the legal authorities and Strike in any investigation of activity on your Account. You may only register one personal Account. To protect yourself from unauthorized activity in your Account, you should regularly log into your Account and review your Account history and your Account statement.

   (d) Your Information. To open and maintain an Account, you must provide complete and accurate information, including your full legal name, email address, phone number, and any other information we may request. You agree to update such information, as needed, to keep it accurate and complete. Failure to comply with this Section 3(c) may result in suspension or termination of your Account, or your access to certain features or functions of the Services. We may also request, and you agree to provide, additional information or documentation to confirm your identity or that of any person to whom you transfer funds (“Recipient”), substantiate the accuracy of your account information, or confirm your purpose in using the Services. Strike will have no liability or responsibility for any permanent or temporary inability to access or use any Services, including your inability to withdraw the balance of your Account or execute transactions, as a result of any identity verification or other screening procedures.

   (e) Third-Party Service Providers. Strike has partnered with third parties to facilitate, provide, or otherwise offer certain parts of the Services ("Third-Party Service Providers"). You may be required to enter into additional agreements with such Third-Party Service Providers in order to enable or access certain functions of the Services. Strike does not have control of, or liability for, the products or services offered by Third-Party Service Providers or for the performance of any Third-Party Service Providers.

   (f) Enhanced Verification. Depending on your use of the Services or Strike's risk determination, Strike may, in its sole discretion, require identity verification, screening procedures, or enhanced verification ("Enhanced Account Verification"). As a result, you may be required to provide Strike or our Third-Party Service Provider with certain personal information, including, but not limited to, your (or any Recipient's) name, address, telephone number, email address, date of birth, taxpayer identification number, government identification number, photograph of your government-issued ID or other photographic proof of your identity, and information regarding any external bank account that you link to your Strike account (“Bank Account”). You hereby authorize Strike, directly or through our Third-Party Service Provider, to make any inquiries necessary to verify your or any Recipient's identity or protect against fraud, including but not limited to: (i) query identity information contained in public reports (e.g., your name, address, past addresses, or date of birth); (ii) query account information associated with your Bank Account (e.g., name or account balance); and (iii) take reasonably necessary actions to comply with applicable law. You further authorize any and all third parties to which such inquiries or requests may be directed to fully respond to such inquiries or requests.

   (g) Usernames. You may select a unique, available, alpha-numeric name to identify yourself on the Services ("Username"). You may not select a Username that misleads or deceives others as to your identity or creates an undue risk of fraudulent or mistaken payments. You may be required to change your Username at our sole discretion.

4. Services Generally

   (a) General. You may use your Account to make the following transfers, if enabled for your Account: (i) receive U.S. dollar and bitcoin payments into the USD balance (your "USD Account") or into your bitcoin balance (your "BTC Account"); (ii) send U.S. dollar and bitcoin payments from your USD Account and send bitcoin payments from your BTC Account; (iii) load U.S. dollars into your USD Account from, and withdraw U.S. dollars in your USD Account to, a U.S. bank account; and (iv) pay a bill from your USD Account by enabling a Biller to initiate a debit from your Account. You may also use your Account to buy and sell bitcoin. Eligibility for certain Services may be subject to Enhanced Account Verification. All transactions through the Services must satisfy the requirements that we may communicate to you from time to time on the Site or in the Apps. Strike may in its sole discretion suspend or prevent any transaction that violates Section 15 (Restrictions and Limitations on Use) or any other section of this Agreement, to comply with applicable law, regulation or regulatory requirement, or for any other reason.

   (b) Transaction Limits. We may, at our sole discretion and without notice to you, impose limits or restrictions on the size or quantity of transactions you can make. You can view the initial limits that apply to Accounts in our FAQs.

   (c) U.S. Dollar Funding and Withdrawal Transactions. You can load U.S. dollars into your Account by linking a valid Bank Account or debit or credit card in your name ("Funding Method"). Any U.S. dollars that you load into your Account, as well as any bitcoin purchased using those U.S. dollars, may not be available for use or withdrawal until the funds have settled. Strike relies on a Third-Party Service Provider, Plaid, to establish connections to Bank Accounts. Only certain banks are supported by Plaid. Your use of Plaid's services is subject to your agreement with Plaid and not this Agreement and may enable data exchange between us and Plaid. You represent and warrant that you have the legal right to use any Funding Method you use to fund your Account. Each time you instruct us through the Services to add funds from your Funding Method to your Account, you authorize our Third-Party Service Provider or us to (i) immediately debit the Funding Method for the U.S. dollar amount instructed, either in a single or recurring transaction, as applicable, and (ii) move funds to your applicable Funding Method if your funding transaction is canceled or otherwise returned. You can cancel this authorization by unlinking your Funding Method(s) from your Account. You authorize us to automatically debit your Account or Funding Method(s) for any amounts you owe to us. You may withdraw U.S. dollars in your Account only to a Bank Account in your name. Withdrawals cannot be made to debit cards.

   (d) Direct Deposit. If eligible, you may direct payments made to you from your employer (or similar third-party payor) to your Account using the bank routing and account number provided to you via our direct deposit program. Such direct deposit payments cannot be made from your Bank Account(s). The recipient's name on any direct deposits must match the name on your Account. You may experience delay in receiving your first direct deposit in your Account as a result of variations in processing times of various payroll providers. If you have arranged to have direct deposits made to your Account at least once every 60 days from the same person or company, we will let you know if the deposit is made.

   For certain eligible direct deposits, we may make funds available when we receive notification from the payer that the payment is on the way. This may be up to two days before the scheduled settlement date of the funds. We do not guarantee early access to direct deposit funds, and in the event that you receive early access to funds, it does not mean that you will have early access in the future.

   (e) Balance Availability. All U.S. dollars or bitcoin transferred to your Account will be subject to our verification procedures and may not be available for immediate withdrawal or use. We reserve the right, in our sole discretion, to delay, hold, or otherwise limit access to U.S. dollars or bitcoin in your Account if Strike perceives a risk of illegal activity or fraud, if Strike determines Enhanced Account Verification is necessary and you have not completed or failed such verification, if there is an active and unresolved dispute related to your Account (e.g., you initiated a payment reversal and the related investigation is not complete), or in order to secure your obligations under this Agreement.

   (f) Bitcoin Transfers. As part of the Services, you may be able to send or receive bitcoin. When you send bitcoin to an external address, the receiving address must support bitcoin. If you attempt to send bitcoin to a non-bitcoin address, your bitcoin may be lost and unrecoverable, and you may incur losses as a result. When you receive bitcoin, the person sending the bitcoin is solely responsible for executing the transfer correctly, including using the correct wallet address and paying any applicable fees. When you receive bitcoin from an external wallet, you represent and warrant that the bitcoin is not derived from, obtained as a result of, or otherwise connected with any breach of any applicable law.

   (g) Accuracy of Information. You represent and warrant that any information you provide via the Services is accurate and complete. You accept and acknowledge that neither Strike nor any of its Third-Party Service Providers is responsible for any errors or omissions that you make in connection with any transaction initiated via the Services, including, for instance, if you mistype a Recipient's Username, telephone number, or bank account details, send funds to an incorrect address, or otherwise provide incorrect information. You agree to review your transactions and any information you submit relating to them carefully before completing them through the Services.

   (h) No Cancellations, Refunds, or Reversals. Except in certain circumstances for Send Globally Payments, all transactions that you authorize are final and irreversible (including all debit and credit card transactions). It is your responsibility to confirm that the information you submit to us is complete and accurate. Use of the Services to send funds is at your own risk. Strike is not responsible for making any refunds unless required under applicable law. You understand that if you input inaccurate transaction information (for instance, inaccurate Recipient information), your transaction may fail, your funds may be lost, and you may suffer losses, and Strike has no liability for such losses.

   (i) Your Responsibility in the Event of a Negative Account Balance. In the event you transfer funds from a Funding Method to your Account, and such transfer is rejected or reversed for any reason, you authorize us to reverse the corresponding credit to your Account and, if the reversal results in a negative Account balance, you agree to transfer to your Account the amount necessary to bring your Account balance to $0 within three (3) business days. For purposes of this Agreement, our business days are Monday through Friday. Holidays are not included.

   (j) Third Parties. Strike is not responsible for any goods or services that you may receive from, or any action by, a third party with respect to any transaction using the Services. Strike is not responsible for ensuring that any third party that you may transact with using the Services will satisfy their obligations to you.

   (k) Access. Although we endeavor to provide the Services as soon as we can, the timing of certain aspects of the Services may be subject to limitations of Third-Party Service Providers, such as financial institutions who only operate during banking hours. As a result, access to certain or all Services may become delayed from time to time, including due to unexpected increases in transaction volumes on a weekend or bank holiday.

   (l) Receipts and Account Statements. You can find Transaction receipts in the “Activity” tab of the Apps. You have the right to receive an account statement. You can find them by navigating to the “Account” tab of the Apps, selecting the “Settings” icon, selecting “Documents,” and then selecting “Account Statements.”

   (m) U.S. Dollar Custody. We place the U.S. dollar funds held in your Account in a pooled custodial deposit account at one or more FDIC member banks. The list of banks at which we may hold customer funds is located here. We hold these funds as your agent and custodian, and you are the ultimate beneficial owner of the funds. The custodial deposit accounts at Cross River Bank ("CRB") have been established to provide pass-through FDIC insurance. This means that if CRB fails, your funds in an account held there should be eligible to be insured by the FDIC up to the standard maximum deposit insurance amount (currently $250,000). Note that the FDIC insurance maximum applies to the aggregate of all funds that you have on deposit in all accounts you have with the CRB. If the total balances you have there exceed FDIC insurance limits, the amount in excess of those limits could be lost if CRB fails. When you transfer U.S. dollars to your Account, your Transfers are processed by our service providers and typically settle to the bank within 1-3 days. Such transferred funds are not eligible for FDIC pass-through insurance in your name during the period before they settle to the bank. FDIC pass-through insurance coverage is contingent upon our maintaining accurate records and on both us and CRB otherwise complying with requirements in FDIC regulations. The determinations of whether these requirements have been satisfied and whether you are eligible for FDIC pass-through insurance coverage would be made by the FDIC in the event of CRB’s failure. Your eligibility for FDIC pass-through insurance only applies to U.S. dollar funds held in your Account and placed by us in a custodial deposit account at CRB. It does not apply to any amounts held in bitcoin. FDIC pass-through insurance does not protect you against the failure of Strike.

   (n) Bitcoin Custody. We custody the bitcoin held in your Account. We hold this bitcoin as your agent and custodian, and you are the ultimate beneficial owner of the bitcoin. Bitcoin is not protected by deposit insurance.

   (o) No advice. For the avoidance of doubt, you acknowledge that Strike does not provide any tax, legal, investment, or financial advice. You are encouraged to consult your own financial advisor, legal, or tax professional regarding your specific situation.

5. Liability for Unauthorized Electronic Fund Transfers; Errors and Inquiries

   (a) Consumer Liability. Tell us AT ONCE if you believe your Credentials or access to your Credentials have been lost or stolen, or if you believe that an electronic fund transfer (as defined in 12 C.F.R. §1005.3) has been made from your USD Account without your permission using your Credentials or by other means (an “Unauthorized Electronic Fund Transfer" or "Unauthorized EFT”). You may contact us by emailing us at [email protected], calling (800) 895-6045, or writing to Strike at 200 North LaSalle St, Suite 2360, Chicago, IL 60601. Emailing is the best way of limiting your possible losses. You could lose all the money in your Account. If you tell us within 2 business days after you learn of the loss or theft of your Credentials, you can lose no more than $50 from your USD Account.

   If you do NOT tell us within 2 business days after you learn of the loss or theft of your Credentials, and we can prove we could have stopped someone from using your Credentials or otherwise initiating an Unauthorized EFT if you had told us, you could lose as much as $500 from your USD Account.

   Also, if your account statement shows Unauthorized EFTs, including those made using your Credentials or through other means, tell us at once. If you do not tell us within 60 days after the account statement was made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

   Be aware that the following are not considered an Unauthorized EFT: (i) giving someone access to your Account (e.g., by providing them with your Credentials) that uses your Account without your knowledge or permission, unless you have notified us that transfers by that person are no longer authorized; (ii) if you, by yourself or in concert with someone else, act with fraudulent intent; (iii) a misdirected payment, including a payment sent to the wrong person; or (iv) if you are tricked into conducting a transaction (e.g. through a phishing or other scam) with a fraudster. Please see our FAQ to help you identify common scams and protect yourself against them.

   (b) Contact in Event of Unauthorized EFT. If you believe your Credentials have been lost or stolen, or an Unauthorized EFTs has been made, call (800) 895-6045, or write to Strike at 200 North LaSalle St, Suite 2360, Chicago, IL 60601.

   (c) Error and Dispute Resolution. In case of errors or questions, email us at [email protected], call (800) 895-6045, or write to Strike at 200 North LaSalle St, Suite 2360, Chicago, IL 60601 as soon as you can, if you think your account statement or receipt shows, or if you need more information about, what you believe may be an Unauthorized EFT listed on the account statement or receipt. We must hear from you about any Unauthorized EFT no later than 60 days after we made available the FIRST account statement on which the problem or error appeared. You will need to: (1) Tell us your name and account number (if any); (2) Describe the transfer you are unsure about, and explain as clearly as you can why you believe it is an Unauthorized EFT or why you need more information; and (3) Tell us the dollar amount of the suspected Unauthorized EFT. We will determine whether an Unauthorized EFT occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your USD Account within 10 business days for the dollar amount you think is an Unauthorized EFT, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Account. For errors involving new Accounts or foreign-initiated transfers, we may take up to 90 days to investigate your complaint or question. For new Accounts, we may take up to 20 business days to credit your USD Account for the dollar amount you think is an Unauthorized EFT. We will tell you the results within three business days after completing our investigation. If we decide that there was no Unauthorized EFT, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

   (d) Institutional Liability. If we do not complete an electronic fund transfer to or from your USD Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance, if: (i) through no fault of Strike, you do not have enough settled funds in your Account to make the transfer; (ii) the transfer would exceed any transfer limits applicable to your Account; (iii) the electronic terminal where you are making a transfer does not operate properly; (iv) circumstances beyond our control (such as fire, flood, power failure, labor dispute, critical service provider failure, computer breakdown, telephone line disruption, government or regulatory action, or a natural disaster) prevent the transfer, despite reasonable precautions that we have taken; or (v) any other exception stated in this Agreement.

   (e) Other Inquiries. In case of other issues or questions, email us at [email protected]. We will respond to you as soon as possible.

6. Fees, Exchange Rates, and Taxes

   (a) Conversions and Exchange Rates. Use of our Services may require the exchange of fiat currencies or cryptocurrencies (a “Conversion”) by Strike or one or more Third-Party Service Providers. The cost of a Conversion depends on the exchange rate (“Rate”), which is based on the applicable exchange rates offered at the time by Strike or its Third-Party Service Providers, which may include spreads such as third-party market spreads, or margin applied in order to hold the Rate for the duration of the quote. Strike may retain any excess spread from a transaction. Rates may differ depending on the type of transaction, and may also differ from exchange rates provided by third parties. For more information, please see our FAQ pages here and here.

   (b) Transactions Requiring Conversions. The following transaction types require a Conversion, which is performed at the applicable Rate:

   • Sending U.S. dollars that are received by the Recipient in bitcoin, or vice versa (i.e., sending bitcoin that is received by the Recipient in U.S. dollars)
   • Receiving bitcoin to your U.S. dollar balance
   • Send Globally Payments (see Section 9)
   • Buying and selling bitcoin through the Buy and Sell Bitcoin Program (see Section 10)

   (c) Deposit Fee. Strike charges a deposit fee for transferring U.S. dollars into your Account from a Funding Method, for instance to increase your account balance, buy bitcoin, or send a payment.

   (d) Buying and selling bitcoin. Strike charges a fee for buying and selling bitcoin that is calculated based on your monthly trading volume. Please see our FAQ for more information.

   (e) On-Chain transactions. When sending funds via the Bitcoin Network (known as an on-chain transaction), you have the option to enhance the speed of final settlement by paying a fee. Paying a higher fee will result in your transaction being broadcast in the blockchain more quickly. Please see our FAQ for more information.

   (f) Lightning transactions. For transactions sent over the Lightning Network, Strike will pass on the Lightning Network routing fee to you, which will be deducted from the transaction amount.

   (g) Taxes. It is your responsibility to determine what, if any, taxes you owe in relation to: (i) transactions, including buying and selling bitcoin, and (ii) any other use of the Services. It is your responsibility to report and remit any such tax to the appropriate tax authority. You agree that Strike is not responsible for determining whether taxes apply to your use of the Services, including your transactions, or for collecting, reporting, withholding, or remitting any taxes arising from your use of the Services. You understand that when you certify to a substitute Form W-9 through the Apps, we do not collect a FATCA exemption code from you, and that the FATCA exemption code in your Form W-9 will be automatically populated with “Not Applicable” and you will not be treated as exempt from FATCA.

7. Bill Pay

   (a) Bill Pay. You can pay a bill using your USD Account directly through a biller (“Biller”) platform by providing virtual account and routing information that enables the Biller to initiate a debit that will result in funds being withdrawn from your USD Account to fund the payment (“Bill Pay”). The Biller is responsible for obtaining any necessary authorizations to initiate a debit in this manner, and you agree and understand that you are solely responsible for providing such authorization to the Biller. If you elect to use your BTC Account to fund a bill payment, you authorize Strike to sell bitcoin from your BTC Account with the applicable fee in accordance with the terms of this Agreement in order to make the payment in U.S. Dollars.

   You are responsible for the accuracy of all information you provide to your Biller and that such information is provided in a timely manner to meet the due date identified by your Biller. You agree that you will have sufficient funds in your Account to cover any Bill Pay transaction.

   (b) Cancellation. Bill Pay transactions that are processing or have been processed cannot be canceled. If you believe a Bill Pay transaction was made by mistake, you must notify us within 24 hours. If your payment is not processing or has not been processed, Strike will attempt to cancel the Bill Pay transaction.

   (c) Performance. You agree that Strike has no liability in the event a Bill Pay transaction cannot be completed because of insufficient funds in your Account, if the Bill Pay transaction is delayed, blocked, or rejected for any reason, or if the transaction cannot be processed due to system failures with Strike or its providers.

8. Merchant Transactions

   (a) Strike Merchants. Strike provides certain payment processing services to merchants ("Strike Merchants"), in which Strike acts as the Strike Merchant's agent in accepting payments from the Strike Merchant's customers. You may use the Services to make payments to merchants (which may include Strike Merchants and other merchants) for goods and services (a "Merchant Transaction"). When you make a payment for goods or services provided by a Strike Merchant, receipt of your payment by Strike constitutes payment from you to the Strike Merchant. All other aspects of Merchant transactions are between you and the merchant. Subject to our fees, the costs associated with any Merchant transactions are solely established by the merchant.

   (b) Performance. If you use the Services to make a Merchant Transaction, Strike is not responsible for performance or delivery of any goods or services by the merchant and makes no warranties relating to any merchant or any goods or services offered, provided, or performed by a merchant, including Strike Merchants. You must contact merchants directly for issues or questions related to their goods and services, or for any refunds, returns, and exchanges. We do not currently support refunds through the Services, so refunds may only be available via gift card, discount code, or other unlinked payment method provided to you directly by a merchant. You should review each merchant's refund and related policies prior to completing a Merchant Transaction.

9. Send Globally

   (a) Strike may allow you to send payments to Recipients in certain foreign countries (“Available Countries”). This Service is called “Send Globally”, and a payment sent through Send Globally is a “Send Globally Payment.” For clarity, Send Globally Payments are a type of Transaction (as such term is defined above). Strike works with Third-Party Service Providers for activities outside the United States and does not itself operate in the Available Countries. IN PROVIDING PAYOUTS OR CREDITS TO RECIPIENTS, OR ENGAGING IN ANY OTHER INTERACTIONS WITH RECIPIENTS, THESE THIRD-PARTY SERVICE PROVIDERS ARE NOT ACTING AS AGENTS OR REPRESENTATIVES OF STRIKE IN ANY CAPACITY. RECIPIENTS OF SEND GLOBALLY PAYMENTS ARE NOT CUSTOMERS OF STRIKE.

   (b) YOU ACKNOWLEDGE THAT A SEND GLOBALLY PAYMENT INVOLVES THE TRANSFER OF BITCOIN BY STRIKE, NOT OF U.S. DOLLARS. RECIPIENTS OF SEND GLOBALLY PAYMENTS ARE NOT SENT AND DO NOT RECEIVE U.S. DOLLARS.

   (c) Send Globally Payments require Strike or a Third-Party Service Provider to make Conversions. When you initiate a Send Globally Payment, Strike will display the applicable Rate for the Conversion as well as the amount of funds in foreign currency or stablecoin the Recipient will receive (which amount may reflect rounding). Unless you confirm the Rate within a short period of time, the Rate will expire and must be refreshed. In certain circumstances, where the Recipient is a customer of the Third-Party Service Provider, the Recipient may elect (as between them and the Third-Party Service Provider) to receive the Send Globally Payment in a different currency from that displayed to you by Strike. Strike has no liability for any such receipts in a different currency or for any differences or changes in value or relative value of currencies. Please review the Rate carefully before confirming any Send Globally Payment and ensure that the Rate is appropriate for you based on your circumstances.

   (d) To make a Send Globally Payment, you must provide information relating to the Recipient (“Recipient Information”), which we will retain and use for the purposes of that transaction and any compliance checks relating to the transaction. Provision of Recipient Information is voluntary, but you will not be able to make a Send Globally transaction without providing it. You consent to us disclosing or transferring your information (for instance, your name) and Recipient Information to third parties including our Third-Party Service Providers, which may be located in other countries, to facilitate the Send Globally Payment and for other reasonably necessary purposes, including the prevention and detection of crime, sanctions screening, anti-money laundering, or other purposes required by law. By making a Send Globally Payment, you acknowledge that Recipient Information will be used for these purposes, and you confirm that you have the consent of the Recipient to provide such information for these purposes. To fulfill our legal obligations, we may request further information from you, such as the Recipient’s name, date of birth, address, and other identifying information, or information relating to the transaction such as its purpose.

10. Buy and Sell Bitcoin Program

    (a) Strike may provide you with the ability to buy and sell bitcoin (the "Buy and Sell Bitcoin Program"). You acknowledge the Bitcoin Risk Disclosures (see Section 11) associated with bitcoin, and you understand that holding, investing, or trading in cryptocurrencies can be extremely risky. Such risks include volatile market price swings, flash crashes, and cybersecurity risks.

    (b) Strike is not liable for any bitcoin price fluctuations. In the event of material market events or other prevailing circumstances, we may suspend access to the Buy and Sell Bitcoin Program, including preventing you from completing any transactions. We will not be liable for any losses suffered by you resulting from such actions. Following any such event, you acknowledge that bitcoin prices available through the Services may differ significantly from the prices available prior to such event or from third parties.

    (c) You initiate a bitcoin order through the Services by inputting the U.S. dollar amount of bitcoin that you wish to buy or sell. The execution of a bitcoin order requires a Conversion by Strike (see Section 6). Before you confirm your bitcoin order, the U.S. dollar price of bitcoin that will be applied to your order and the amount of bitcoin being bought or sold will be displayed. The bitcoin amount is calculated by dividing the U.S. dollar amount of bitcoin that you entered by the quoted bitcoin price, which in certain cases may require rounding. Unless you confirm the bitcoin buy or sell order within a short period of time, the quoted price will expire and must be refreshed. Please review the quoted price carefully before confirming any bitcoin order and ensure that the price is appropriate for you based on your circumstances. The quoted price may be different from the prices and price charts displayed in the App for informational purposes. That informational price data is obtained from one or more Third-Party Service Providers and it should not be relied upon as an accurate representation of the price of bitcoin.

    (d) ONCE YOU HAVE SUBMITTED A BITCOIN BUY OR SELL ORDER, IT IS NOT POSSIBLE TO CHANGE, WITHDRAW, REVERSE, MODIFY, OR CANCEL YOUR ORDER. If you have insufficient funds in your Account to fulfill the order, the transaction will not be completed. The supply of bitcoin available to you to purchase depends in part on Strike’s ability to source bitcoin from third parties; therefore, Strike makes no promises as to the availability of bitcoin purchases and sales. STRIKE DOES NOT GUARANTEE THAT ANY BITCOIN BUY OR SELL ORDER YOU PLACE WILL BE FILLED.

    (e) If you initiate a recurring purchase of bitcoin, you authorize us to make recurring purchases of bitcoin at the frequency you selected in the Apps until you withdraw that authorization. You can cancel your recurring purchase of bitcoin and withdraw this authorization at any time by following the instructions in the Apps. You may only have one recurring purchase frequency in place at a time. You may not receive prior notification of a recurring purchase before it occurs. Your recurring purchase may be canceled if there are insufficient funds in your Account. Any recurring purchases scheduled for the 29th, 30th, or 31st day of a month will be processed on the earlier of the date scheduled or on the last day of the applicable month. Exact transaction times may vary. Strike may at any time, without notice to you, pause or cancel recurring purchases. For example, if you travel to a Restricted Jurisdiction, your recurring purchases may be paused or canceled.

11. Bitcoin Risk Disclosure

    (a) General. We are not responsible for delays or loss incurred as a result of an error in the initiation of bitcoin transactions and have no obligation to assist in the remediation of bitcoin transactions. Bitcoin transferred over the Bitcoin Network must be recognized by a number of network confirmations, and bitcoin sent to you in this manner may be delayed and in a pending state before appearing in your Account. Bitcoin Network transactions are not complete while pending, and while in a pending state the applicable bitcoin will not be available in your Account for your use in connection with the Services. If you or a third party attempts to send any asset other than bitcoin from an external wallet to your Account, such asset may be lost and may not be recoverable, and you may incur losses as a result. For the avoidance of doubt, the Services only support bitcoin and U.S. dollars, and do not support “bitcoin cash,” “bitcoin SV,” or similar assets that are not bitcoin.

    (b) Networks. Strike does not own or control the Bitcoin or Lightning Networks that underlie the Services. Strike disclaims all liability relating to such Networks and makes no guarantees regarding the security, functionality, or availability of such Networks.

    (c) Forks. By using the Services, you acknowledge and agree that the underlying Bitcoin Network is subject to sudden changes in operating rules (known as “Forks”), and that such Forks may materially affect the value, function, or even the name of bitcoin. A Fork of the Bitcoin Network could also disrupt the Lightning Network, potentially for a significant period of time. In the event of a Fork, you agree that we may temporarily suspend operations (with or without advance notice to you) and that we may, in our sole discretion, decide whether or not to support (or cease supporting) either branch of the forked Network protocol entirely. You acknowledge and agree that Strike assumes no responsibility whatsoever with respect to an unsupported branch of a forked Network protocol.

    (d) Additional Bitcoin Risks. Your use of the Services is subject to the following additional conditions and risks: (i) bitcoin transactions are irreversible and cannot be reversed, modified, or cancelled once confirmed by you, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable and Strike is not liable for any fraudulent or accidental transactions; (ii) bitcoin values can fluctuate substantially, which may result in a partial or total loss of the value of bitcoin that you purchase or hold; (iii) legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the use, transfer, exchange, and value of bitcoin; (iv) the Bitcoin Network is maintained by a vast unidentified private computer network spread around the world, and transacting in bitcoin or on the Bitcoin Network is at your own risk and understanding of this network; (v) the Bitcoin Network is a target for fraud, and fraud may result when you engage in transactions with external bitcoin addresses; (vi) bitcoin is a target for hackers and theft, and hacking and irretrievable theft can occur even when the strongest security settings are used; (vii) some bitcoin transactions are deemed to be made when confirmed on the Bitcoin Network, which may be different from the time at which you initiated such transaction; (viii) the value of bitcoin may be derived from the continued willingness of market participants to exchange fiat currency for bitcoin, which may result in the potential for permanent and total loss of value of a particular bitcoin should the market for that bitcoin disappear; (ix) any bitcoin transaction may be canceled, lost, or double spent, or otherwise lose all or most of its value due to forks, rollbacks, attacks, or failures to operate as intended; (x) there is no assurance that a person who accepts bitcoin as payment today will continue to do so in the future; (xi) bitcoin is not backed or insured by the government and accounts and value balances are not subject to Federal Deposit Insurance Corporation, National Credit Union Administration or Securities Investor Protection Corporation protections; (xii) the volatility and unpredictability of the price of bitcoin may result in a significant loss over a short period of time; (xiii) any bond maintained by the licensee for the benefit of the customers of such licensee may not be sufficient to cover all losses incurred by such customers; and (xiv) bitcoin transactions are irreversible and are used by persons seeking to defraud customers, including, but not limited to, a person impersonating a customer’s loved one, threatening jail time, stating that the customer’s identity has been stolen, insisting that a customer withdraw money from the customer’s bank account and purchase bitcoin or alleging a customer’s personal computer has been hacked.

12. Arbitration Agreement

    (a) Contact Strike. If you have feedback, or general questions, contact Strike Support via email at [email protected].

    (b) Applicability of Arbitration Agreement. Subject to the terms of this Arbitration Agreement, you and Strike agree that any dispute, claim, disagreements arising out of or relating in any way to your access to or use of the Services, any communications you receive, the Services, or the Agreement and prior versions of the Agreement, including claims and disputes that arose between us before the effective date of this Agreement (each, a “Dispute”) will be resolved by binding arbitration, rather than in court, except that: (1) you and Strike may assert claims or seek relief in small claims court if such claims qualify and remain in small claims court; and (2) you and Strike may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents). For purposes of this Arbitration Agreement, “Dispute” will also include disputes that arose or involve facts occurring before the existence of this or any prior versions of the Agreement as well as claims that may arise after the termination of this Agreement.

    (c) Pre-Arbitration Dispute Resolution and Notification. The parties agree that good-faith informal efforts to resolve disputes often can result in a prompt, low-cost, and mutually beneficial outcome. The parties therefore agree that, before either party demands arbitration against the other, we will personally meet and confer, via telephone or videoconference, in a good-faith effort to resolve informally any Dispute covered by this Arbitration Agreement. Multiple individuals initiating Disputes cannot participate in the same informal telephonic dispute resolution conference. If you are represented by counsel, your counsel may participate in the conference, but you shall also fully participate in the conference. The party initiating the claim must give notice to the other party in writing of their intent to initiate an informal dispute resolution conference, which shall occur within sixty (60) days after the other party receives such notice, unless an extension is mutually agreed upon by the parties. To notify Strike that you intend to initiate an informal dispute resolution conference, write to [email protected], providing your name, the telephone number(s) associated with your Account (if any), the email address(es) associated with your Account, and a description of your Dispute. Engaging in an informal dispute resolution conference is a condition precedent that must be fulfilled before commencing arbitration, and the Arbitrator shall dismiss any arbitration demand filed before completion of an informal dispute resolution conference. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the informal dispute resolution process required by this paragraph.

    (d) Waiver of Jury Trial. YOU AND STRIKE HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. You and Strike are instead electing that all Disputes shall be resolved by arbitration under this Arbitration Agreement, except as specified in the subsection entitled “Applicability of Arbitration Agreement” above. There is no judge or jury in arbitration, and court review of an arbitration award is subject to very limited review.

    (e) Waiver of Class and Other Non-Individualized Relief. YOU AND STRIKE AGREE THAT, EXCEPT AS SPECIFIED IN SUBSECTION (J), EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS, AND THE PARTIES HEREBY WAIVE ALL RIGHTS TO HAVE ANY DISPUTE BE BROUGHT, HEARD, ADMINISTERED, RESOLVED, OR ARBITRATED ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR MASS ACTION BASIS. ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND DISPUTES OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. Subject to this Arbitration Agreement, the arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by the party's individual claim. Nothing in this paragraph is intended to, nor shall it, affect the terms and conditions under the subsection (j) entitled “Batch Arbitration.” Notwithstanding anything to the contrary in this Arbitration Agreement, if a court decides by means of a final decision, not subject to any further appeal or recourse, that the limitations of this subsection, “Waiver of Class and Other Non-Individualized Relief,” are invalid or unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), you and Strike agree that that particular claim or request for relief (and only that particular claim or request for relief) shall be severed from the arbitration and may be litigated in the state or federal courts located in the State of Delaware. All other Disputes shall be arbitrated or litigated in small claims court. This subsection does not prevent you or Strike from participating in a class-wide settlement of claims.

    (f) Rules and Forum. The Agreement evidences a transaction involving interstate commerce; and notwithstanding any other provision herein with respect to the applicable substantive law, the Federal Arbitration Act, 9 U.S.C. § 1 et seq., will govern the interpretation and enforcement of this Arbitration Agreement and any arbitration proceedings. If the informal dispute resolution process required by subsection (c) above does not resolve satisfactorily, you and Strike agree that either party shall have the right to finally resolve the Dispute through binding arbitration. The arbitration will be administered by the American Arbitration Association (“AAA”), in accordance with the Consumer Arbitration Rules (the "AAA Rules") then in effect, except as modified by this section of this Arbitration Agreement. The AAA Rules are currently available at https://www.adr.org/sites/default/files/Consumer%20Rules.pdf.

    In order to initiate arbitration following the conclusion of the informal dispute resolution process required by subsection (c), a party who wishes to initiate arbitration must provide the other party with a request for arbitration (the “Request”). If you initiate the arbitration, you must provide Strike a copy of your Request by email at [email protected] or through Strike’s registered agent for service of process. The Request must include: (1) the name, telephone number, mailing address, email address of the party seeking arbitration, and the email addresses associated with the applicable Strike Account(s); (2) a statement of the legal claims being asserted and the factual bases of those claims; (3) a description of the remedy sought, including an accurate, good faith calculation of the amount in controversy in United States dollars; and (4) evidence that the requesting party has paid any necessary filing fees in connection with such arbitration.

    If the party requesting arbitration is represented by counsel, the Request shall also include counsel’s name, telephone number, mailing address, and email address. Such counsel must also sign the Request. By signing the Request, counsel certifies to the best of counsel’s knowledge, information, and belief, formed after an inquiry reasonable under the circumstances, that: (1) the Request is not being presented for any improper purpose, such as to harass, cause unnecessary delay, or needlessly increase the cost of dispute resolution; (2) the claims, defenses and other legal contentions are warranted by existing law or by a nonfrivolous argument for extending, modifying, or reversing existing law or for establishing new law; and (3) the factual and damages contentions have evidentiary support or, if specifically so identified, will likely have evidentiary support after a reasonable opportunity for further investigation or discovery.

    Unless you and Strike otherwise agree, or the Batch Arbitration process discussed in subsection (j) is triggered, the arbitration will be conducted in the county where you reside. Disputes involving claims, counterclaims, or requests for relief under $25,000, not inclusive of attorneys’ fees and interest, will be conducted solely on the basis of documents you and Strike submit to the arbitrator, unless any party requests an in-person, telephonic, or videoconference hearing or the arbitrator decides that a hearing is necessary. If your claim exceeds $25,000, your right to a hearing will be determined by the AAA Rules. Subject to the AAA Rules, the arbitrator may direct a limited and reasonable exchange of information between the parties, consistent with the expedited nature of the arbitration. If the AAA is not available to arbitrate, the parties will select an alternative arbitral forum. Your responsibility to pay any AAA fees and costs will be solely as set forth in the applicable AAA Rules.

    You and Strike agree that all materials and documents exchanged during the arbitration proceedings shall be kept confidential and shall not be shared with anyone except the parties’ attorneys, accountants, or business advisors, and then subject to the condition that they agree to keep all materials and documents exchanged during the arbitration proceedings confidential.

    (g) Arbitrator. The arbitrator will be either a retired judge or an attorney licensed to practice law in the United States and will be selected by the parties from the AAA's roster of consumer dispute arbitrators. If the parties are unable to agree upon an arbitrator within thirty-five (35) business days of delivery of the Request, then the AAA will appoint the arbitrator in accordance with the AAA Rules, provided that if the Batch Arbitration process under subsection (j) is triggered, the AAA will appoint the arbitrator for each batch.

    (h) Authority of Arbitrator. The arbitrator shall have exclusive authority to resolve any Dispute, including, without limitation, disputes arising out of or related to the interpretation or application of the Arbitration Agreement, including the enforceability, revocability, scope, or validity of the Arbitration Agreement or any portion of the Arbitration Agreement, except for the following: (1) all Disputes arising out of or relating to the subsection entitled “Waiver of Class and Other Non-Individualized Relief,” including any claim that all or part of the subsection entitled “Waiver of Class and Other Non-Individualized Relief” is unenforceable, illegal, void or voidable, or that such subsection entitled “Waiver of Class and Other Non-Individualized Relief” has been breached, shall be decided by a court of competent jurisdiction and not by an arbitrator; (2) except as expressly contemplated in the subsection entitled “Batch Arbitration,” all Disputes about the payment of arbitration fees shall be decided only by a court of competent jurisdiction and not by an arbitrator; (3) all Disputes about whether either party has satisfied any condition precedent to arbitration shall be decided only by a court of competent jurisdiction and not by an arbitrator; and (4) all Disputes about which version of the Arbitration Agreement applies shall be decided only by a court of competent jurisdiction and not by an arbitrator. The arbitration proceeding will not be consolidated with any other matters or joined with any other cases or parties, except as expressly provided in the subsection entitled “Batch Arbitration.” The arbitrator shall have the authority to grant motions dispositive of all or part of any Dispute. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The award of the arbitrator is final and binding upon you and us. Judgment on the arbitration award may be entered in any court having jurisdiction. In any award of damages, the arbitrator shall abide by the “Limitation of Liability” section of this Agreement.

    (i) Attorneys' Fees and Costs. The parties shall bear their own attorneys’ fees and costs in arbitration unless the arbitrator finds that either the substance of the Dispute or the relief sought in the Request was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)). If you or Strike needs to invoke the authority of a court of competent jurisdiction to compel arbitration, then the party that obtains an order compelling arbitration in such action shall have the right to collect from the other party its reasonable costs, necessary disbursements, and reasonable attorneys' fees incurred in securing an order compelling arbitration. The prevailing party in any court action relating to whether either party has satisfied any condition precedent to arbitration, including the Formal Complaint Process, is entitled to recover their reasonable costs, necessary disbursements, and reasonable attorneys’ fees and costs.

    (j) Batch Arbitration. To increase the efficiency of administration and resolution of arbitrations, you and Strike agree that in the event that there are one hundred (100) or more individual Requests of a substantially similar nature filed against Strike by or with the assistance of the same law firm, group of law firms, or organizations, within a thirty (30) day period (or as soon as possible thereafter), the AAA shall (1) administer the arbitration demands in batches of 100 Requests per batch (plus, to the extent there are less than 100 Requests left over after the batching described above, a final batch consisting of the remaining Requests); (2) appoint one arbitrator for each batch; and (3) provide for the resolution of each batch as a single consolidated arbitration with one set of filing and administrative fees due per side per batch, one procedural calendar, one hearing (if any) in a place to be determined by the arbitrator, and one final award (“Batch Arbitration”).

    All parties agree that Requests are of a “substantially similar nature” if they arise out of or relate to the same event or factual scenario and raise the same or similar legal issues and seek the same or similar relief. To the extent the parties disagree on the application of the Batch Arbitration process, the disagreeing party shall advise the AAA, and the AAA shall appoint a sole standing arbitrator to determine the applicability of the Batch Arbitration process (“Administrative Arbitrator”). In an effort to expedite resolution of any such dispute by the Administrative Arbitrator, the parties agree the Administrative Arbitrator may set forth such procedures as are necessary to resolve any disputes promptly. The Administrative Arbitrator’s fees shall be paid by Strike.

    You and Strike agree to cooperate in good faith with the AAA to implement the Batch Arbitration process including the payment of single filing and administrative fees for batches of Requests, as well as any steps to minimize the time and costs of arbitration, which may include: (1) the appointment of a discovery special master to assist the arbitrator in the resolution of discovery disputes; and (2) the adoption of an expedited calendar of the arbitration proceedings.

    This Batch Arbitration provision shall in no way be interpreted as authorizing a class, collective and/or mass arbitration or action of any kind, or arbitration involving joint or consolidated claims under any circumstances, except as expressly set forth in this provision.

    (k) Modification. Notwithstanding any provision in this Agreement to the contrary, we agree that if Strike makes any future material change to this Arbitration Agreement, it will notify you. Your continued use of the Services, including the acceptance of products and services offered by Strike following the posting of changes to this Arbitration Agreement, constitutes your acceptance of any such changes.

13. Data Usage and Ownership

    (a) License. Strike grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Services, subject to this Agreement. Strike reserves all rights not expressly granted to you in this Agreement. The Services are protected by copyright, trademark, and other laws. Nothing in the Agreement gives you a right to use, in any manner, the Strike name or any of the Strike trademarks, product names, logos, domain names, layout or design of any page or form contained on a page, other distinctive brand features, or other proprietary or intellectual property rights ("Strike Marks"). All right, title, and interest in and to the Services and the Strike Marks are and will remain the exclusive property of Strike.

    (b) Your Content. The Services may permit you to upload, submit, send, share, or post photos, documents, promotional programs, and other information or material ("Content"). Subject to the rights granted to us under this Agreement, you own your Content and retain all other rights. By providing Content, you grant us, our affiliates, and our successors, a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, fully-paid, transferable, and sub-licensable right to use, distribute, copy, modify, adapt, publish, prepare derivative works of, publicly perform, post, delete, publicly display, and distribute your Content in order to provide, operate, improve, promote, and market the Services and develop new services and products. Content you upload must comply with any restrictions in this Agreement. We reserve the right to delete or remove any Content upon the termination of your Account. You represent and warrant that you have, or have obtained, all rights, licenses, consents, permissions, power, or authority necessary for the submission and use of any Content that you provide on or through the Services. You agree that such Content will not contain material subject to copyright or other proprietary rights, unless you have all required permissions or are otherwise legally entitled to post the Content and to grant Strike the rights in this Agreement.

    (c) Feedback. We appreciate, and may solicit, feedback, comments, ideas, proposals, and suggestions for improvements to the Services ("Feedback"). If you choose to submit Feedback, including by leaving reviews on the App Store and Play Store or by sending us an email, you agree that we are free to use it without any restriction or compensation to you.

14. Recovery of Funds

    You authorize Strike to recover funds from you that you owe us pursuant to this Agreement or any other agreement you have with us or our affiliates (e.g., Strike Lending), including if you owe amounts to us or for reasons of fraud or illegal activity, or in connection with a negative Account balance or as a result of any breach by your of this Agreement or any other agreement you have with us or our affiliates. You irrevocably authorize Strike to debit, charge, setoff against, and otherwise recover funds from your Account or any Funding Method, including by selling the bitcoin in your Account or received into your Account. For the purposes of a set-off involving fiat currency and bitcoin, we may convert any amounts owed into either currency at the applicable exchange rate determined by us. For the purposes of any set-off, we may exercise our rights of set-off to obligations that are due now or in the future, and regardless of whether they arise under this Agreement. If you have more than one Account with Strike, and even if you have those Accounts without our authorization and in breach of this Agreement, we may set off a negative balance in one Strike Account against a balance in your other Strike Account(s). If you continue using your Account when you have amounts owed to us, you authorize us to recover amounts owed to us from any transaction sent from your Account. These authorizations will remain in full force and effect until the later of closure or termination of your Account, or the disbursement of all funds held on your behalf. If Strike is unable to recover the funds as described above, Strike may attempt to contact you or may take other legal actions to collect the amounts due, to the extent allowed by applicable law. We may also recover funds from your Account in connection with a disputed transaction. Strike is not liable for funds that we recover from your Account to cover: (i) a negative balance on your Account; (ii) amounts owed to Strike under this Agreement; or (iii) a pending dispute or chargeback.

15. Restrictions and Limitations on Use

    (a) Restricted Uses. You will not do or attempt to do, and will not allow a third party to do, any of the following:

    • violate Strike's Acceptable Use Policy;
    • use any application programming interfaces belonging to Strike or its affiliates without Strike's express written consent, or otherwise access your Account other than through the Apps or Site;
    • access, tamper with, or use non-public areas of the Services, Strike's computer systems, or the technical delivery systems of Strike's providers;
    • attempt to probe, scan, or test the vulnerability of any Strike system or network or breach any security or authentication measures;
    • avoid, bypass, remove, deactivate, impair, descramble, or otherwise circumvent any restriction or technological measure implemented by Strike, any of Strike's providers, or any other third party (including another user) to protect the Services;
    • attempt to access or search the Services or download any information from the Services, through the use of any engine, software, tool, agent, device, or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software or search agents provided by Strike or other generally available third-party web browsers;
    • forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Services to send altered, deceptive, or false source-identifying information or payment requests;
    • attempt to decipher, decompile, disassemble, or reverse engineer any software used to provide the Services;
    • interfere with, or attempt to interfere with, the access of any user, host, or network to the Services, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Services;
    • collect or store any personally identifiable information from the Services or from other users of the Services without their express permission;
    • impersonate or misrepresent your affiliation with any person or entity, including through the selection of your Username;
    • violate any applicable law or regulation;
    • transact with or seek to transact with any person, entity, or wallet on the SDN List or otherwise subject to sanctions, transact or attempt to transact with a person or entity located in a Restricted Jurisdiction, knowingly receive funds or bitcoin from any person or entity in a Restricted Jurisdiction or on the SDN List or from a wallet associated with any such person or entity, or access the Apps or Services from a Restricted Jurisdiction; or
    • encourage, enable, or collaborate with any other individual to do any of the foregoing.

    (b) Restricted Jurisdictions. You may not use the Services if you are listed on any U.S. government list of prohibited or restricted parties or if you are located in, or a citizen or resident of any state, country, territory, or other jurisdiction that is embargoed or sanctioned by the United States or where your use of the Services would violate any applicable law. You also may not use the Services if you are located in, or a citizen or resident of, any other jurisdiction where Strike or its Third-Party Service Providers have determined to prohibit use of the Services (collectively, "Restricted Jurisdictions"). You agree to notify Strike and close your Account before establishing residency in any Restricted Jurisdiction. If you attempt to access your Account from a Restricted Jurisdiction, you are ordinarily a resident of a Restricted Jurisdiction, you are sending or attempting to transact with a person who is either subject to sanctions or located in or a citizen of a Restricted Jurisdiction, or Strike believes that you are attempting such access or have become a resident of a Restricted Jurisdiction or may be attempting to make such a transaction, Strike may restrict your Account, and any pending transactions may be canceled (including any recurring purchases). If this happens, you should contact [email protected], and you may be asked to provide supplemental information about the foregoing.

    (c) Monitoring. We may monitor access to or use of the Services, either ourselves or by utilizing one or more Third-Party Service Providers, for the purpose of operating the Services, to ensure compliance with this Agreement, to prevent fraud, for other compliance or risk monitoring purposes, or to comply with applicable law or other legal requirements. We have the right to investigate conduct that affects the Services or may constitute a violation of this Agreement. We reserve the right to disclose any information necessary to satisfy any applicable law, regulation, sanctions programs, legal process, or governmental request. We may also consult and cooperate with law enforcement authorities to prosecute users who violate the law.

    (d) Blocking IDs. In order to protect the integrity of the Services, we reserve the right, at any time, in our sole discretion, to block access to the Services from certain IP addresses and unique device identifiers.

    (e) No Third-Party Commercial Use. You may not use the Services on behalf of a third party on a professional or commercial basis (i.e., for a fee).

16. Use of Test, Trial, and Beta Versions and Features

    We periodically launch new features and functions as part of the Services. You acknowledge that: (a) the Services may not operate properly, be in final form, or be fully functional at all times; (b) the Services may contain errors, design flaws, or other problems; (c) it may not be possible to make the Services fully functional; and (d) use of the Services may result in unexpected results, corruption, or loss of data, or other unpredictable damage or loss. You assume all risk arising from any test, trial or beta versions, features, or use of the Services.

17. Third-Party Content and Platforms

    (a) Third-Party Content. The Services may make content provided by third parties available to you, including links to third-party websites or resources (collectively, "Third-Party Content"). You acknowledge that (i) Third-Party Content is not part of the Services, (ii) Strike is not responsible for Third-Party Content including, without limitation, content that may be misleading, incomplete, erroneous, offensive, indecent, or otherwise objectionable, and (iii) we provide the Third-Party Content to you only as a convenience. You further acknowledge sole responsibility for and assume all risk arising from your use of and interactions with any Third-Party Content or with any products or services from such third parties. Your use of Third-Party Content may be subject to additional terms or restrictions ("Third-Party Terms"). You are solely responsible for your compliance with any Third-Party Terms, and failure to comply with such terms may result in termination of your right to access any features or functions of the Services that utilize such Third-Party Content. If no Third-Party Terms are specified, you may use Third-Party Content solely in support of your use of the Services in accordance with this Agreement. You agree that you will not reproduce, sell, distribute, or otherwise commercially use Third-Party Content.

    (b) Third-Party Platforms. You acknowledge sole responsibility for and assume all risks arising from your use of any third-party platforms, websites, services, add-ons, or products through which you access the Services or authorize to access the Services on your behalf ("Third-Party Platforms"). Third-Party Platforms are not part of the Services. Your use of Third-Party Platforms (i) is subject to your agreement with the relevant Third-Party Platform provider, (ii) may enable data exchange between the Services and the Third-Party Platform, and (iii) must comply with applicable terms of this Agreement, including terms relating to Restricted Jurisdictions. Strike does not control and has no liability for Third-Party Platforms, including their security, functionality, operation, availability, or interoperability, or how the Third-Party Platforms or their providers use your Content. If you enable a Third-Party Platform with the Service, you authorize us to access and exchange Content with the Third-Party Platform on your behalf. Authorizations with certain Third-Party Platforms can be managed, enabled, and terminated via https://auth.strike.me/.

18. No Commercial Use

    You may only use the Services for your personal, non-commercial use. If at any time you wish to start using the Services on behalf of a business or commercial entity, you must contact us to apply for a Strike account on behalf of such entity and acknowledge and agree that such use is governed by the Strike Business Terms and Conditions.

19. Cancellation, Suspension, or Termination of Services

    (a) We may, in our sole discretion and without any cost or liability to you, with or without prior notice and at any time, suspend, modify, or terminate, temporarily or permanently, all or any portion of our Services, establish certain transaction limits or trading limits, or terminate your Account, with or without reason, including, if we reasonably believe: (i) you create risk or possible legal exposure for us; (ii) our provision of the Services to you is no longer commercially viable; (iii) you have not accessed your Account in more than two years; or (iv) you breached any terms of this Agreement.

    (b) We have the right to immediately cause your Account to be suspended, and the funds and assets in your Account may be frozen if: (i) we suspect, in our sole discretion, your Account to be in violation of this Agreement or our Anti-Money Laundering program; (ii) we are required to do so by a government or regulatory authority, applicable law, court order, or a facially valid subpoena; (iii) your Account has a negative balance; (iv) a transfer to your Account was returned to your Bank Account; (v) we believe there is unusual activity in your Account or that you are using your Credentials or your Account in an unauthorized or inappropriate manner; or (vi) if you have not accessed your Account in more than two years. Your Account will remain suspended and funds and assets in your Account will remain frozen until a determination is made in the investigation by Strike, at which point Strike may determine to terminate your Account.

    (c) Upon termination of your Account, and except in cases of fraud or where your funds and assets are recovered as described in Section 134 or otherwise frozen as described in Section 19(b) above, Strike will attempt to cause any remaining U.S. dollar balance to be withdrawn to a linked Bank Account. No other uses of your U.S. dollar balance will be permitted upon Account termination. You will remain liable to Strike for all obligations incurred in your Account, whether arising before or after the termination of your Account or this Agreement.

    (d) Any provision of this Agreement that naturally extends beyond the expiration or termination of the Agreement will continue to be binding and apply after such termination and expiration, including, but not limited to account credentials / security obligations, recovery of funds, data use and ownership, limitations of liability, governing law and dispute resolution / arbitration, risk disclosures, and other general terms.

20. Cost Basis

    (a) Cost Basis. Cost Basis is a tool for tracking your bitcoin transactions (“Cost Basis”). Cost Basis aggregates and organizes your bitcoin transaction data to help you better understand your activity. Cost Basis may classify, categorize, or interpret transaction data based on commonly used heuristics which may include assigning default classifications to certain transactions (e.g., “Purchase” or “Transfer”). By using Cost Basis, you acknowledge and agree that certain information provided by Strike may be assumed and that you are solely responsible for reviewing, verifying, and, as applicable, editing any assumptions or classifications to ensure they accurately reflect your actual transaction history and intent.

    (b) Informational Use. Cost Basis is for your informational and organizational purposes only and is not (and should not be interpreted as) tax, legal, investment, or financial advice. Strike makes no warranties related to the accuracy, completeness, or compliance of the information or its suitability for filing with tax authorities or regulatory bodies. You acknowledge and are solely responsible for verifying the accuracy and completeness of any reports, exports, or data and assume full responsibility for any tax filings, legal submissions, or financial disclosures you make based on information obtained through Cost Basis.

21. Disclaimers

    (a) You are responsible for monitoring and safeguarding access to your Account which includes taking all reasonable steps to avoid the loss, theft, or misuse of the device that you use to access your Account, engaging in available protections provided by your device, such as passcodes, biometric logic (e.g. via fingerprint or face-scan) or similar, and keeping your Account username, password, and other Account details safe, secret, and under your control at all times. We may require you to meet certain requirements for Credentials and we may change the requirements with or without prior notice. You must ensure that your Credentials remain secure. Compromised Credentials may result in unauthorized use or access of your Account. You should always use two-factor authentication when available, always avoid copying scripts into your browser address bar, and avoid clicking on links, opening attachments, or visiting internet resources you do not trust. You are responsible for maintaining adequate security and control of any and all Credentials, IDs, passwords, hints, personal identification numbers (PINs), or any other codes that you use to access or in relation to the Services. We assume no responsibility for any losses resulting from the compromise of your Account.

    (b) Downtime. The Services may be periodically unavailable during scheduled or unscheduled downtime by Strike or its Third-Party Service Providers. Strike and its Third-Party Service Providers are not liable to you for any inconvenience or loss as a result of such downtime.

    (c) YOU ACCEPT AND ACKNOWLEDGE THAT THERE ARE RISKS ASSOCIATED WITH PARTICIPATING IN AND USING THE SERVICES INCLUDING, BUT NOT LIMITED TO, THE RISK OF UNKNOWN VULNERABILITIES IN OR UNANTICIPATED CHANGES TO THE SERVICES, THIRD-PARTY SERVICE PROVIDER SERVICES, AND UNDERLYING NETWORKS, INCLUDING THE LIGHTNING NETWORK. YOU ACKNOWLEDGE AND ACCEPT THAT STRIKE AND ITS AFFILIATES WILL NOT BE RESPONSIBLE FOR ANY HARM OCCURRING AS A RESULT OF SUCH RISKS.

    (d) STRIKE AND ITS AFFILIATES WILL NOT BE RESPONSIBLE OR LIABLE TO YOU FOR ANY LOSS AND TAKE NO RESPONSIBILITY FOR AND WILL NOT BE LIABLE TO YOU FOR ANY USE OF THE SERVICES, INCLUDING BUT NOT LIMITED TO ANY LOSSES, DAMAGES, OR CLAIMS ARISING FROM: (A) USER ERROR; (B) SERVER FAILURE; (C) UNAUTHORIZED ACCESS; (D) ANY UNAUTHORIZED THIRD PARTY ACTIVITIES, INCLUDING WITHOUT LIMITATION THE USE OF VIRUSES, PHISHING, BRUTE FORCING, OR OTHER MEANS OF ATTACK AGAINST THE SERVICES; (E) ANY LOSS OR MISUSE OF YOUR DEVICE WITH WHICH YOU ACCESS THE SERVICES, OR ANY HACK, PENETRATION, COMPROMISE OR OTHER VULNERABILITY ASSOCIATED WITH SUCH DEVICE; OR (F) FAILURE OF ANY TRANSACTION FOR ANY REASON. STRIKE AND ITS AFFILIATES WILL NOT BE RESPONSIBLE OR LIABLE FOR OR IN CONNECTION WITH ANY FAILURE, ACTION, OR INACTION OF ANY THIRD-PARTY SERVICE PROVIDER, OR ANY LOSSES SUFFERED AS A RESULT.

    (e) THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, STRIKE AND ITS AFFILIATES EXPLICITLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. STRIKE AND ITS AFFILIATES MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, VIRUS-FREE, OR ERROR-FREE BASIS. STRIKE AND ITS AFFILIATES MAKE NO WARRANTY REGARDING THE QUALITY, ACCURACY, TIMELINESS, TRUTHFULNESS, COMPLETENESS, OR RELIABILITY OF ANY INFORMATION OR CONTENT MADE AVAILABLE THROUGH THE SERVICES. STRIKE AND ITS AFFILIATES WILL NOT BE RESPONSIBLE OR LIABLE TO YOU FOR ANY LOSS OF ANY KIND, FROM ACTION TAKEN, OR TAKEN IN RELIANCE ON MATERIAL OR INFORMATION CONTAINED OR MADE AVAILABLE THROUGH THE SERVICES.

    (f) SYSTEM FAILURE. YOU ACCEPT ALL RISKS ASSOCIATED WITH THE USE OF THE SERVICES TO CONDUCT TRANSACTIONS, INCLUDING, BUT NOT LIMITED TO, IN CONNECTION WITH THE FAILURE OF ANY HARDWARE, SOFTWARE, SYSTEM, OR INTERNET CONNECTION. THE NATURE OF CRYPTOCURRENCIES MEANS THAT ANY TECHNOLOGICAL DIFFICULTIES EXPERIENCED BY STRIKE OR ITS THIRD-PARTY SERVICE PROVIDERS MAY PREVENT ACCESS TO SERVICES OR THE ACCESS OR USE OF YOUR BITCOIN.

    (g) Updates. From time to time, Strike may release updates to its App(s). You understand and agree that you are responsible for downloading and upgrading your software and maintaining the latest version of the App on your mobile device. Failing to do so may result in degraded performance or other issues, including an inability or reduced ability to access your Account or Services. We will not be responsible for any Losses caused by your use of outdated software (including any outdated software on your mobile device or web browser) or failure to download the latest version of the App.

22. Indemnity

    You will indemnify and hold harmless Strike and its affiliates, and their respective officers, directors, employees, and agents, from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses (including, without limitation reasonable legal and accounting fees) arising out of or in any way connected with (a) your improper or unauthorized access to or use of the Services; and (b) your violation of this Agreement or any other agreement between you and Strike or its affiliates.

23. Limitations of Liability

    (a) CONSEQUENTIAL DAMAGES WAIVER. NOTWITHSTANDING ANY OTHER SECTION OF THIS AGREEMENT, NEITHER STRIKE, ITS AFFILIATES, THIRD-PARTY SERVICE PROVIDERS, NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SERVICES WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST REVENUES, TRADING LOSSES, LOST SAVINGS, LOST BUSINESS OPPORTUNITY, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE SERVICES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR FROM THE USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT STRIKE, ITS AFFILIATES, OR ANY OTHER PARTY HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

    (b) LIABILITY CAP. NOTWITHSTANDING ANY OTHER SECTION OF THIS AGREEMENT, IN NO EVENT WILL STRIKE'S AND ITS AFFILIATES' TOTAL LIABILITY ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR FROM THE USE OF OR INABILITY TO USE THE SERVICES EXCEED ONE HUNDRED U.S. DOLLARS ($100).

    (c) BASIS OF BARGAIN AND FAILURE OF ESSENTIAL PURPOSE. THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN STRIKE AND YOU. THE WAIVERS AND LIMITATIONS IN THIS SECTION 22 APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WILL SURVIVE AND APPLY EVEN IF ANY LIMITED REMEDY IN THESE TERMS FAILS OF ITS ESSENTIAL PURPOSE.

24. Governing Law and Forum Choice

    This Agreement and any action related thereto will be governed by the Federal Arbitration Act, federal arbitration law, and the laws of the State of Delaware, without regard to its conflict of laws provisions. Except as otherwise expressly set forth in Section 12 (Arbitration Agreement), the exclusive jurisdiction for all disputes that you and Strike are not required to arbitrate will be the state and federal courts located in the State of Illinois, and you and Strike each waive any objection to jurisdiction and venue in such courts.

25. General Terms

    (a) Entire Agreement. This Agreement incorporates the applicable Policies by reference and constitutes the entire and exclusive understanding and agreement between Strike and you regarding the Services, and this Agreement supersedes and replaces any and all prior oral or written understandings or agreements between Strike and you regarding the Services. If any provision of this Agreement is held invalid or unenforceable by an arbitrator or a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of this Agreement will remain in full force and effect. You may not assign or transfer this Agreement, by operation of law or otherwise, without Strike's prior written consent. Any attempt by you to assign or transfer this Agreement, without such consent, will be null. Strike may freely assign or transfer this Agreement without restriction. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors, and permitted assigns. In the event that Strike, its parent entity, or substantially all of the assets used in connection with providing the Services is or are acquired by or merged with another entity, Strike may transfer or assign the information Strike has collected from you as part of such change of control.

    (b) Notices. Any notices or other communications provided by Strike under this Agreement, including those regarding modifications to this Agreement, will be given by: (i) posting to the Site or Apps; or (ii) email.

    (c) Waiver of Rights. Strike's failure to enforce any right or provision of this Agreement will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Strike. Except as expressly set forth in this Agreement, the exercise by either party of any of its remedies under this Agreement will be without prejudice to its other remedies under this Agreement or at law.

    (d) Interpretation. For purposes of this Agreement, (i) the words "include", "includes", and "including" shall be deemed to be followed by the words "without limitation"; (ii) the word "or" is not exclusive; (iii) all pronouns and any variation thereof will be deemed to refer to the masculine and feminine, and to the singular or plural as the identity of the person or persons may require for proper interpretation of this Agreement, and (iv) the words "herein", "hereof", "hereby", "hereto", and "hereunder" refer to this Agreement as a whole. Unless the context otherwise requires, references herein: (x) to Sections, Appendices, and Addenda refer to the Sections of, and Appendices, and Addenda attached to this Agreement; (y) to an agreement, instrument, or other document means such agreement, instrument or other document as amended, supplemented, and modified from time to time to the extent permitted by the provisions thereof and (z) to a statute means such statute as amended from time to time and includes any successor legislation thereto and any regulations promulgated thereunder. This Agreement shall be construed without regard to any presumption or rule requiring construction or interpretation against the party drafting an instrument or causing any instrument to be drafted. The Appendices and Addenda referred to herein, if any, shall be construed with, and as an integral part of, this Agreement to the same extent as if they were set forth verbatim herein. Captions and headings of the sections and paragraphs of this Agreement are intended solely for convenience and no provision of this Agreement is to be construed by reference to the caption or heading of any section or paragraph.

    (e) Event of Death. In the event of your death, the representative of your estate or the survivor(s) shall give Strike written notice as soon as practicable. In such event, Strike may cancel all open orders or transactions, including recurring transactions, and Strike will not be responsible for any action taken on transactions or orders made prior to Strike's actual receipt of notice of death and a reasonable amount of time thereafter. Further, Strike may in its discretion close out any part or all of your Account without awaiting the appointment of a personal representative for your estate and without demand upon or notice to any such personal representative. We may, before or after receiving such written notice, take such proceedings, require such papers or waivers, or restrict transactions in your Account as we may deem advisable, which may include the liquidation of any bitcoin balances in your Account.

    (f) Unclaimed Property. If there are funds in your Account and we have no record of you accessing the Services for several years and are unable to contact you, Strike may be required by applicable law to deliver any such funds to the applicable state or jurisdiction as unclaimed property.

APPENDIX A: STATE LICENSE DISCLOSURES

Zap Solutions, Inc. maintains licenses to engage in money transmission in various states. Our licenses and corresponding required disclosures can be found on the Licenses page, which is incorporated by reference.

APPENDIX B: CREDIT PRODUCTS

1. Overview

(a) Zap Solutions Inc. (“ZSI”) and Zap Solutions Capital Inc. (Strike Lending) are separate legal entities. Credit products are issued by Strike Lending or a bank partner. ZSI does not itself provide credit or lending services.

(b) Your use of the credit products is subject to the terms of a separate agreement between you and the issuer (the “Credit Agreement”) which will detail the terms of the relevant credit provided to you. If the Credit Agreement in any way conflicts with the terms of this Agreement or Appendix B, then the terms of the Credit Agreement will control with respect to the relevant credit product.

(c) To be eligible to apply for a credit product and during the term of the credit product, you must have an active Strike Account and maintain that Account in good standing.

(d) By using our Services and applying for any credit product, you irrevocably authorize ZSI and Strike Lending to share your personal information for the purposes of or in connection with credit and the Credit Agreement. Please refer to the Privacy Notice available at https://strike.me/privacy/.

1. Disclaimers

(a) Credit products are not available in all U.S. states, and are subject to certain minimum loan amounts and other eligibility requirements. Depending on your jurisdiction, ZSI may display credit product information to you in the App, but any credit relationship will be solely between you and the issuer, subject to the Credit Agreement.

(b) You are solely responsible for reviewing the terms of any credit product and the Credit Agreement, and determining if the relevant credit product and terms are appropriate for you based on your own needs, circumstances, and considerations. No Strike entity provides any advice to you, and you are solely responsible for obtaining such legal, tax, financial, accounting or other professional advice as you deem appropriate.

(c) Any summaries of the process for obtaining credit, benefits of credit, or credit terms, or any calculators or tools provided in-App, are provided solely by Strike Lending and strictly for illustrative purposes only. The presentation of credit terms does not guarantee the availability of any current or future offer, promotion, terms, loan, or return. Calculators and tools in the App provide you with estimates of credit terms that are generally available. You acknowledge that the availability of credit, and any terms or rates on which credit may be offered or other eligibility requirements with respect to credit, are subject to change.

(d) Being presented with credit information in the App does not indicate or guarantee your eligibility for a credit product. Additional terms, conditions, requirements, suitability and screenings apply solely at the discretion of the issuer.