# friendo.cash is the world’s first Money Affiliated Network
**friendo.cash** is the world’s first **Money Affiliated Network**, redefining banking by seamlessly integrating social connections with financial services. Users not only benefit from their own transactions but can also **earn lifetime passive income** from the transactions of their **community members**.
Experience the power of a **5-level deep referral network**, where the value of your connections becomes tangible and measurable. These connections are represented as **NFTs**, which can be traded or pledged, transforming your network into valuable financial assets. This **innovative approach** sets friendo.cash apart from all other platforms.
The **community** is at the heart of everything we do. That’s why a significant portion of **$FRIENDO** tokens is dedicated to community-driven initiatives.
## **What’s next?**
* Launch of the **friendo.cash app**
* Launch of the **Telegram mini-app**
* **$FRIENDO TGE** and Community Airdrop
* \[REDACTED]
# Functionality
### Unique Money Affiliated Network System
**Turn every connection into an opportunity**
Earn cashback not just for yourself, but also for your friends with our cutting-edge multi-level referral system. Watch your network grow and your rewards multiply, creating a win-win for everyone. It’s more than just referrals—it’s a community-driven cashback experience.
### Cryptocurrency Management
**Crypto made simple, secure, and smart**
With friendo.cash, managing your crypto has never been easier. Tap into seamless transactions using Apple Pay or Google Pay, all while enjoying the best rates and ultra-low fees. Whether you're investing or just moving crypto, you have access to 24/7 support and a user-friendly platform that makes crypto accessible to everyone. Secure, streamlined, and built for the future.
### Financial Insights
**Your finances, decoded**
Dive deep into your spending habits with powerful financial insights at your fingertips. Get access to detailed statistics, personalized tips, and reports that break down every expense. With friendo.cash, financial management becomes intuitive, helping you make smarter decisions and optimize your budget with confidence.
### Expense Management
**Master your spending like never before**
Take full control of your finances with smart expense management tools. Set personalized spending limits, track every expense in real-time, and receive automatic alerts to keep you on track. With monthly reports and visual breakdowns, you’ll have the power to make informed financial decisions and stay within budget effortlessly.
### Dynamic Widgets
**Personalize your financial journey**
Bring your financial data front and center with friendo.cash's dynamic widgets. Instantly access key stats and insights directly from your home screen. Choose from a range of sleek color themes to create a dashboard that reflects your style and simplifies your experience. Customization and convenience have never looked so good.
### Detailed Transaction History
**Full transparency at a glance**
Explore your complete transaction history with precision. Whether you're searching for specific expenses or analyzing your financial trends, friendo.cash makes it easy. With automatic expense logging and a seamless search feature, keeping track of your financial footprint has never been more effortless.
### Payments and Transfers
**Freedom to pay, your way**
Move money where it matters most—whether it's to cards, bank accounts, crypto wallets, or even phone numbers. Customize your payment controls for added security and flexibility. With friendo.cash, you can send and receive money in the way that works best for you, including direct transfers to your contacts for an extra layer of convenience.
### Rewards and Achievements
**Level up your journey with exclusive rewards**
Earn recognition and rewards for your activity and participation in community events. Climb the rankings, compare your achievements with others, and redeem exclusive rewards that unlock privileges and benefits within friendo.cash. Every step you take brings you closer to the next milestone in your financial journey.
### Top-Up Options
**Stay connected, always**
Easily top up your friendo.cash card, whether online, offline, or through your mobile phone. Choose the method that suits you best and keep your funds available whenever you need them. With multiple top-up options, you can ensure your financial journey stays uninterrupted.
### Secure Storage
**Security that moves with you**
Manage all your cards and important documents in one secure place. With friendo.cash’s advanced encryption, your personal information and financial data remain fully protected. From card storage to secure document management, privacy and safety are the cornerstones of your experience.
# Early Campaign \[ENDED]
## **Overview**
Prior to official launch, an early airdrop campaign ran from August 20 to September 1 to boost community participation. The campaign occurred in two rounds, offering $FRIENDO tokens to early participants for completing simple tasks like join our X and Telegram, like and retweet pinned tweet.
## Results
* 150k unique website visitors
* 32k connected wallets
* 9.5k emails
Link:
# Telegram Mini-App \[TBA]
Expect the launch in the mid September...
# Main Airdrop Campaign \[TBA]
TBA
# Money Affiliated Network
## Understanding the Money Affiliated Network
friendo.cash introduces a groundbreaking concept known as the **Money Affiliated Network**. This system is designed to seamlessly integrate social interactions with financial services, allowing users to connect with their community and benefit from the financial activity within their network. Instead of merely sharing financial knowledge, users can now **earn from their community’s transactions**, creating a new opportunity for generating **Lifetime Passive Income**.
In summary, friendo.cash's **Money Affiliated Network** offers an innovative way to combine social connections with financial benefits, empowering users to earn from the activity of their network in a secure and forward-thinking platform.
# How Does the Money Affiliated Network Work?
Each time a user makes a purchase or transaction using friendo.cash, they receive a percentage of the value back in the form of cashback tokens.
* No limit on the cashback
* Withdraw anytime
* Build referral network up to 5 levels deep
* Your referral network turns into NFT assets that can be traded or pledged
**Levels of Interaction in the Money Affiliated Network**
* **Level 1**: You earn 20% cashback from transactions made by community members you directly invite to friendo.cash
* **Level 2**: You earn 14% cashback from transactions made by the community members invited by your direct invitees
* **Level 3**: You earn 8% cashback from transactions made by community members at this level
* **Level 4**: You earn 6% cashback from transactions made by community members at this level
* **Level 5**: You earn 2% cashback from transactions made by community members at this level
**Network Structure Benefits**
This structure allows users to benefit from transactions made by people they may not even know, as long as they are within their community network. Over time, this can create a significant passive income stream as more people join and make transactions
# What Are the Perks of the Money Affiliated Network?
## What Are the Perks of the Money Affiliated Network?
The community network you build is not just a static structure. It's represented as an NFT (Non-Fungible Token), which opens up several exciting opportunities:
* **Sell/Buy**: You can sell your network's NFT to others for quick access to funds or buy someone else's network to grow your potential for greater lifetime passive income.
* **Gift**: Transfer the future passive income by gifting your network NFT to someone else, creating long-term value for them.
* **Collateral**: Use your network NFT as collateral for loans, leveraging its future income potential to unlock immediate financial opportunities.
This NFT functionality adds flexibility and value to the **Money Affiliated Network**, allowing users to maximize the potential of their network and the passive income it generates.
# Marketplace (in development)
Users on friendo.cash can take their NFT-based referral trees and engage in various financial activities within a dedicated secondary marketplace created by friendo.cash. On this marketplace, users can:
* **Buy**: Purchase existing referral tree NFTs to start earning passive income immediately from the connected network that built the previous owner.
* **Sell**: Sell their referral tree NFTs to other users, transferring the associated referral tree (income stream) to the buyer.
* **Collateral**: Leverage their referral tree NFTs as collateral for loans or other financial transactions, using the future income potential of their network as security.
This marketplace adds liquidity and flexibility to the friendo.cash ecosystem, allowing users to maximize the value of their referral trees.
# $FRIENDO Tokenomics
## Tokenomics
# Cashback Token
## **Overview**
The friendo.cash platform introduces a unique cashback token system designed to incentivize user engagement and transactions. This system is part of the broader goal of turning everyday transactions into a source of passive income through the platform's Money Affiliated Network.
More details and the technical side is TBA.
# Investors \[Raising]
We are currently raising our **Seed Round** and in the process of negotiations with VCs.
If you're an investor, please contact us at **** using your corporate email address / write directly to our [X account](https://x.com/FriendoCash).
# Partnerships & Collabs
[Kuna](https://kuna.io/en): Manages crypto exchange services and provides a VASP license along with crypto processing capabilities. (VASP License Partner + Crypto Processing)
[Quicko](https://www.quicko.pl/card-issuing): Facilitates the issuance of Mastercard-branded cards globally, offering an all-in-one payment platform with advanced APIs. (Card Issuing Partner)
For business enquiries, reach out to us on Telegram at **@friendocash** or via email at ****
Note: we will *only* contact you via these channels. Beware of impersonators!
# Links
## Websites:
* [https://friendo.cash/](https://www.friendo.cash/)
*
## Social Media and Community:
* [X (formerly Twitter)](https://x.com/FriendoCash)
* [Telegram](https://t.me/friendocashchat)
* [LinkedIn](https://www.linkedin.com/company/friendo-cash/)
# Brand Book
# Logo & Visual Guidelines
# EU / EEA Privacy Policy of IGAMA
**Last updated: September 15, 2024**
This EU / EEA Privacy Policy (hereinafter referred to as the "Policy") explains how IGAMA, registered in Ukraine (hereinafter referred to as the "Company"), processes, collects, uses, and transfers personal data of users who use the Company's software products, located on the Internet or in applications (hereinafter referred to as the "Application") or on the websites of other service providers (hereinafter collectively referred to as the "Platform," which includes both the Website and the Application).
The Company respects and values the privacy of each visitor to our Website and the users of our services. We collect and use information exclusively in the interests of the Users and in accordance with current data protection laws.
**Application of the Policy**\
This Policy applies only if the Company is subject to Regulation (EU) 2016/679 of the European Parliament and the Council on the protection of natural persons concerning the processing of personal data and on the free movement of such data (GDPR). For other cases, the Company's general Privacy Policy applies.
**1. Role of the Company**\
For the purposes of current data protection legislation, the Company is the data controller of the personal data of Users.
**2. Legal Basis for Processing Your Personal Data**\
The processing of personal data is carried out on the following legal grounds:
* **Performance of a Contract**: The processing of personal data is necessary for the performance of a contract with the User - Article 6(1)(b) of the GDPR.
* **Legal Obligations**: The processing is necessary for compliance with a legal obligation - Article 6(1)(c) of the GDPR.
* **Legitimate Interests**: The processing is necessary for the legitimate interests of the Company and the User - Article 6(1)(f) of the GDPR (e.g., to ensure the security of the Company's systems, monitoring, troubleshooting, and improving performance).
**3. Purposes of Processing Personal Data**\
The Company collects and processes personal data for the following purposes:
* To provide, maintain, deliver, or improve our services and Platform.
* To register you as a new customer and ensure the security of your account.
* To verify the user's identity for KYC purposes.
* To respond to User queries and comments.
* To carry out any actions for which we have obtained your consent.
**4. Collection of Personal Data**\
The Company may collect the following types of personal data:
* **Contact Information**: Name, phone number, email address.
* **Verification Data**: Documents verifying identity (passport, driver's license, etc.).
* **Device Information**: Browser type and version, hardware model, operating system.
* **Other Data**: IP address, transaction history, order conditions generated during the use of the Platform.
**5. Use of Personal Data**\
The Company uses personal data to:
* Operate and improve the Platform.
* Register and secure the User’s account.
* Conduct KYC identity verification.
* Respond to User inquiries and comments.
* Perform other actions as per your consent and applicable laws.
**6. Sharing of Personal Data**\
The Company does not transfer personal data to third parties, except in the following cases:
* **With Your Consent**: Data transfer to third parties is possible only with your consent.
* **Legal Requirements**: Disclosure of personal data may be made in accordance with legal requirements or in response to legitimate requests by public authorities.
* **Service Providers**: The Company may engage third parties to provide necessary services (e.g., for processing transactions). In such cases, confidentiality and data security are ensured as per legal requirements.
**7. Storage/Deletion of Personal Data**
* **Storage Period**: The Company will retain your personal data only for the necessary period to fulfill the purposes of collection, after which the data will be deleted or converted into an encrypted format.
* **Data Deletion**: You have the right to request the deletion of your data by submitting a written request. Deletion may be restricted if there are legal obligations to retain data.
**8. Data Security**\
The Company has implemented appropriate organizational, technical, and administrative measures to ensure the security of personal data. These measures include:
* Two-factor authentication.
* Access control to data.
* The ability to promptly restore access to data in case of physical or technical failure.
**9. User Rights**\
Users have the following rights:
* Access their personal data and receive a copy.
* Correct or update their personal data.
* Withdraw their consent for data processing at any time.
* Request the deletion of personal data if they are no longer necessary for the purposes for which they were collected.
* File a complaint with the data protection supervisory authority.
**10. International Data Transfers**\
Transfers of your data to third parties outside the European Economic Area may be carried out only if adequate levels of protection are ensured and appropriate safeguards are in place.
**11. Data Protection Officer**\
To protect your personal data, we have appointed a Data Protection Officer, whom you can contact:
* **Name**: Oleksandr Lyushnev
* **Address**: Obolonsky Ave. 35, Kyiv, 04207, Ukraine
* **Email**: [**company@igama.ua**](mailto:company@igama.ua)
* **Phone**: 0 800 21 44 64
**12. Changes to the Policy**\
The Company may change or supplement this Policy at any time. Any changes take effect from the moment of publication on the Platform. Your continued use of the Platform after updates indicates your acceptance of the new version of the Policy.
**13. Questions and Complaints**\
If you have any questions or complaints regarding this Policy, you can contact us at: [**company@igama.ua**](mailto:company@igama.ua). We strive to resolve any inquiries as quickly as possible, but no later than one month after receiving the request
# User Data Deletion Request
If you wish to delete your personal data from our system, please follow the steps outlined below to submit a request for data deletion:
#### 1. Send an Email
Write an email to [**company@igama.ua**](mailto:company@igama.ua), stating your request for the deletion of your personal data.
#### 2. Provide Necessary Information
In your email, please include the following details to help us identify your account:
* **Full Name**
* **Mobile Phone Number**
#### 3. Submit Your Request
Once we receive your request, our Data Protection Officer will carefully review it. The review process will be completed within **7 calendar days**.
#### Important Notes
* Upon approval of your request, all personal data associated with your account will be securely deleted, except for data that we are legally required to retain.
* You will receive a confirmation email once the deletion process is finalized.
If you have any questions or require additional support during this process, please feel free to contact us at [**company@igama.ua**](mailto:company@igama.ua).
# USER AGREEMENT
Last updated: September 2024
**Friendo.cash group of companies** and their affiliates (collectively "**Friendo.cash**," “**we**,” “**us**,” and “**our**”) welcome you. This User Agreement (“**Agreement**”) is a legal agreement between Friendo.cash – the owner of the software-as-a-service digital platform under the brand name Friendo.cash (also referred to herein as the “**Friendo.cash Platform**” or “**Platform**”), and you, the legal entity or individual (also referred to herein as “**User**” or “**Customer**”), who is applying for or holds a valid user account with the Friendo.cash Platform (an “**Account**”). This Agreement governs the terms by which you may use our Platform, our mobile application (“**App**”) as well as any of our website (collectively, the “**Friendo.cash Site**” or “**Site**”), and the services we provide or facilitate access to via our Platform and Site (collectively referred to herein as the “**Friendo.cash Service**” or “**Service**”).
By creating an Account on the Platform, downloading, installing, or opening the Friendo.cash mobile application, accessing any other Friendo.cash website (collectively, the “**Friendo.cash Site**” or “**Site**”), or by otherwise manifesting your assent to this Agreement (*e.g., by clicking 'I Agree'*), you acknowledge and agree that you have received, read, understood, and accept all the terms and conditions contained in this Agreement, including our Privacy Policy and Cookie Policy, as well as any amended terms, disclosures, and disclaimers published on the Friendo.cash Site.
By applying for any service provided by third-party service providers available via the Platform, you signify that you have read, understood, and agree to be bound by the applicable terms and conditions of those service providers, which are hereby incorporated into this Agreement by reference.
Friendo.cash may amend this Agreement periodically by posting a revised version on its Site and updating the Effective Date. The updated version will be effective as of the new “Effective Date.” For material changes to the Agreement, Friendo.cash will provide you with at least fifteen (15) calendar days’ prior notice via email or through the Platform. You agree that you and your Account will be bound by changes to the Agreement through any subsequent use of your Account or if you do not close your Account within fifteen (15) calendar days of being notified of the changes. Your continued use of the Service after the Effective Date constitutes your consent to any changes to this Agreement.
## 1. Use of the Platform
The Friendo.cash Platform provides you with convenient access to third-party services, acting as a technological aggregator and facilitator. These third-party services are incorporated herein by reference and unified access to them constitute the subject of the Friendo.cash Service.
**A. Third-party Services available on the Platform**
Using the Platform, you can request, access, and manage services from the following third- party providers (hereinafter all service providers, which are incorporated herein by reference, also collectively referred to as “**Providers**”):
1\) **Kuna.io Services**: Provided by UAB Kuna Pro (a company registered under the laws of Lithuania, registration code 306041195), with its registered address at Eišiškių Sodų 18-oji g.
11, Vilnius, 02194, Lithuania. These services are subject to the terms of use/user agreement available at . The services include:
o Virtual assets Wallets generation/Custody;
o On-ramp Widget;
o Virtual assets Transfers (including Withdrawals);
o Virtual assets Exchange;
o Tracking (allows to manage and track transactions made by User); (hereinafter also jointly referred to as “Kuna.io Services”).
2\) **Quicko Services**: Provided by Quicko sp. z o.o. (a company registered under the laws of Poland, KRS number 0000350151, NIP 5213540295, REGON 142004870, holding the license of National Payment Institution number IP52/2021), with its registered office at ul. Sienkiewicza 49, 42-600 Tarnowskie Góry, Poland. These services are subject to the terms of use/user agreement available at . The services include:
o opening and maintaining payment accounts,
o issuing and servicing payment cards,
o execution of payment transactions,
o providing access to the payment services provided or an online platform (“Customer Panel”) via a Friendo.cash Site,
o as well as other services, the current list of which can be found on the Quicko Site. (hereinafter also jointly referred to as “Quicko Services”).
Please note that Friendo.cash is **not** a financial institution, nor is it a provider of KUNA.io Services, Quicko Services, or any related financial and virtual asset services. Furthermore, Friendo.cash is **not** an agent, representative, or intermediary of KUNA.io Services, Quicko Services, or any other third-party service providers. Friendo.cash does not own or control the underlying software protocols that govern the operation of any third-party service provider. We do not have any authority to act on behalf of these third parties, nor do we endorse or assume responsibility for their actions, products, or services. Any transactions, communications, or dealings between you and third-party service providers are solely between you and the respective service provider. Your use of such third-party services is subject to the terms and conditions of those providers, and you are required to accept and agree to their respective terms and conditions.
**FRIENDO.CASH SHALL NOT BE LIABLE FOR ANY ACTIONS OR OMISSIONS OF THIRD-PARTY SERVICE PROVIDERS, AND ANY ISSUES ARISING FROM THIRD-PARTY SERVICES SHOULD BE ADDRESSED DIRECTLY WITH THE RESPECTIVE PROVIDER.**
**B. Creating an Account.**
Your Account may give you access to the Platform, including associated services provided by the Providers and any other functionality that we may establish and maintain from time to time at our sole discretion. When you create an Account, you will need to provide certain company information and/or personal information (collectively, "**Customer Information**"). Customer Information may include:
· For personal accounts: individual consumer information.
· For business accounts: your registered business name and state of incorporation, business address, ownership details, nature of the business, and other business information we may request.
· Personal information of Users or beneficial owners: name, contact information, date of birth, and other personal details.
· Verification documents: corporate registration certificate, proof of address, personal identification, and any other documentary information used to verify business and personal information.
We provide Customer Information to our Providers and other third-party service providers, as mentioned in our Privacy Policy, to determine your eligibility for access to certain Services. We rely on the accuracy of the Customer Information you provide when opening and maintaining your Account. We may deny your applications, suspend provision of Services to you, or close your Account if Customer Information is outdated, incomplete, or inaccurate. By creating an Account, you represent that you are the legal owner of, and are authorized to provide us with, all Customer Information and other information necessary to facilitate your use of the Services.
**C. Account Management and Security.**
Using the Platform, you can request, connect, and manage Providers’ services; view statistics and run reports; provide or update Customer Information; and perform other tasks to manage your Account. You are responsible for any actions or failure to act by Users or those using their credentials to access your Account. You are solely responsible for all activity that occurs under your Account, and you must keep your Account secure.
We require the use of multi-factor authentication (MFA) and encourage you to use strong passwords with your Account. You must notify Friendo.cash immediately of any breach of security or unauthorized use of your Account. Friendo.cash will not be liable for any losses caused by unauthorized use of your Account. We may suspend access to your Account if we believe that your Account has been compromised.
**D. Prohibitions.**
You agree that you will not:
a) Use the Platform or the Services for any purpose that is unlawful or prohibited by this Agreement.
b) Use the Account or the Services for the benefit, directly or indirectly, of any individual, organization, or country subject to local or international financial sanctions, according to FATF recommendations or identified on any official local or international list of prohibited or restricted parties.
c) Use the Platform or the Services on behalf of any third parties.
d) Use the Platform or the Services to collect market research for a competing business.
e) Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity.
f) Interfere with or attempt to disrupt the proper operation of the Platform through the use of any virus, device, information collection or transmission mechanism, software, or routine, or access or attempt to gain unauthorized access to any Friendo.cash intellectual property, data, files, or passwords related to the Platform through hacking, password or data mining, or any other means.
g) Decompile, reverse engineer, or disassemble any software or other products or processes accessible through the Platform.
h) Circumvent, remove, alter, deactivate, degrade, or thwart any content protections on the Platform.
i) Use any robot, spider, scraper, or other automated means to access the Platform for any purpose without our express written permission; provided, however, that we grant the operators of public search engines permission to use spiders to copy materials from the public portions of the Platform for the sole purpose of creating publicly available searchable indices of the materials, but not caches or archives of such materials.
j) Take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our technical infrastructure.
k) Use the Platform or the Services for any inappropriate, improper, discriminatory, illegal, or otherwise harmful purpose, or to violate or encourage the violation of the rights of others, as reasonably determined by Friendo.cash.
l) Engage in abusive, harassing, threatening, offensive, or otherwise improper conduct towards Friendo.cash or its employees, agents, service providers, partners, or other customers while using the Platform or the Services.
**E. Beta Services.**
Friendo.cash may, from time to time, make certain Services, features, or functionalities of the Platform available to you, which we may designate as beta, pilot, limited release, evaluation, or by a similar description (“**Beta Services**”). You may accept or decline any such Beta Services at your sole discretion. You acknowledge that Beta Services may be unstable, incomplete, contain bugs, and be subject to errors or interruptions. Friendo.cash may describe limitations that exist within a Beta Service; however, your reliance on the accuracy or completeness of these descriptions is at your own risk. You should not use Beta Services for any critical or important functions without taking appropriate precautions to prevent loss or damage resulting from such use.
## 2. Our Proprietary Rights
Subject to the terms and conditions of this Agreement, you are hereby granted a non- exclusive, limited, non-transferable, freely revocable license to use the Platform as permitted by the features of the Platform. Friendo.cash reserves all rights not expressly granted herein in the Platform and the Friendo.cash IP (as defined below). Friendo.cash may terminate this license immediately upon notice to you if you breach any provision of this Agreement or for any other reason as permitted under this Agreement. The Platform and all materials therein or transferred thereby, including, without limitation, software, images, text, graphics, illustrations, logos, patents, trademarks, service marks, copyrights, photographs, audio, videos, music (collectively, the '**Friendo.cash IP**'), and all Intellectual Property Rights related thereto, are the exclusive property of Friendo.cash or its licensors (excluding User Content provided by Users). Except as explicitly provided herein, nothing in this Agreement shall be deemed to create a license in or under any such Intellectual Property Rights, and you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create derivative works from any Friendo.cash IP. Use of the Friendo.cash IP for any purpose not expressly permitted by this Agreement is strictly prohibited.
You may choose to, or we may invite you to, submit comments or ideas about the Platform and Service, including without limitation about how to improve the Platform and/or Service ("**Feedback**"). By submitting any Feedback, you acknowledge that it is provided voluntarily, and you grant Friendo.cash a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, and exploit such Feedback for any purpose without any obligation to you.
You further acknowledge that, by acceptance of your submission, Friendo.cash does not waive any rights to use similar or related ideas previously known to Friendo.cash, or developed by its employees, or obtained from sources other than you.
For the purposes of this Agreement, "**Intellectual Property Rights**" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory or other jurisdiction.
## 3. Site Data and Privacy
As between you and Friendo.cash, you will retain all rights, title, and interests in and to your Customer Information, personal information, and any other information submitted by You through the Platform (collectively, "**User Content**"). By using the Platform, you grant Friendo.cash a non-exclusive, royalty-free license during the Term to collect, use, disclose, combine, transmit, format, and display User Content solely for the purposes provided in our Privacy Policy. Friendo.cash may aggregate anonymized data collected from your use of the Platform and Service (“**Site Data**”) and use such Site Data for analytical and business purposes, which may include sharing with third-party partners as described in our Privacy Policy. You also acknowledge and agree that by using the Platform, Service, User Content and Site Data may be collected, used, transferred and processed for the purposes and as described in the Privacy Policy. Friendo.cash employs commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your Customer Information. However, we cannot guarantee absolute security, and you acknowledge that you provide User Content at your own risk. Friendo.cash will process User Content in compliance with applicable data protection laws, including GDPR. Your use of the Providers’ services is subject to the privacy policies of the relevant Providers.
## 4. Third-Party Links and Information
The Platform may contain links to third-party materials that are not owned or controlled by Friendo.cash. Friendo.cash does not endorse or assume any responsibility for any such third- party services, information, materials or products. If you access a third-party website, application or service from the Platform, you do so at your own risk, and you understand that this Agreement and Our Privacy Policy do not apply to your use of such third-party services. Your use of third-party websites, applications, or services is subject to the terms and conditions and privacy policies of those third parties. You expressly relieve Friendo.cash from any and all liability arising from your use of any third-party websites, applications, services, or content. We recommend that you review the terms and privacy policies of any third-party services before using them. Additionally, your dealings with or participation in promotions of advertisers found on the Platform, including payment and delivery of goods, and any other terms (such as warranties) are solely between you and such advertisers. You agree that Friendo.cash shall not be responsible for any loss or damage of any sort relating to your dealings with such advertisers.
## 5. Representations and Warranties; Indemnification
A. You hereby represent, warrant, and covenant that:
i. You own or have the necessary licenses, rights, consents, and permissions to all trademark, trade secret, copyright, or other proprietary, privacy, and publicity rights in and to your User Content and any other works that you incorporate into your User Content, and all the rights necessary to grant the licenses and permissions you grant hereunder; and
ii. Use of User Content in the manners contemplated in this Agreement shall not violate or misappropriate the intellectual property, privacy, publicity, contractual, or other rights of any third party.
B. You agree to defend, indemnify, and hold harmless Friendo.cash and its affiliates, and their employees, contractors, agents, officers, and directors from and against any and all third- party claims, damages, liabilities, losses, and expenses (including reasonable attorney’s fees) arising out of or related to, or resulting from: (a) your use of and access to the Platform, including any data or content transmitted or received by you; (b) your violation of any term of this Agreement, including without limitation your breach of any of the representations and warranties above; (c) your violation of any third-party right, including without limitation any right of privacy or Intellectual Property Rights; (d) your violation of any applicable law, rule or regulation; (e) your intentional misconduct; or (f) any other party’s access and use of the Platform with your unique username, password or other appropriate security mechanism. This indemnification obligation includes any liability arising from unauthorized use of your Account due to your failure to maintain the security of your login credentials.
## 6. No Warranty
THE PLATFORM AND SERVICES, INCLUDING BETA SERVICES, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. USE OF THE PLATFORM AND SERVICE IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM AND SERVICE ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM FRIENDO.CASH OR THROUGH THE PLATFORM OR SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. WITHOUT LIMITING THE FOREGOING, FRIENDO.CASH, ITS SUBSIDIARIES, AND ITS AFFILIATES DO NOT WARRANT THAT THE INFORMATION PROVIDED TO YOUR THROUGH THE PLATFORM OR SERVICE IS ACCURATE, RELIABLE OR CORRECT; THAT THE PLATFORM OR SERVICE WILL MEET YOUR REQUIREMENTS; THAT THE PLATFORM OR SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE PLATFORM OR SERVICE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE PLATFORM AND SERVICE IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD OR YOUR USE OF THE PLATFORM OR SERVICE.
FRIENDO.CASH DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE PLATFORM OR ANY HYPERLINKED WEBSITE OR SERVICE, AND FRIENDO.CASH WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
## 7. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FRIENDO.CASH, ITS AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE PLATFORM OR SERVICE. UNDER NO CIRCUMSTANCES WILL FRIENDO.CASH BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING, TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF THE PLATFORM, SERVICE OR YOUR ACCOUNT OR THE INFORMATION CONTAINED THEREIN.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FRIENDO.CASH ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF OUR PLATFORM OR SERVICE; (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN; (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE PLATFORM OR SERVICE; (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH OUR PLATFORM OR SERVICES BY ANY THIRD PARTY; (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE PLATFORM OR SERVICES; AND/OR (VII) USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY. IN NO EVENT SHALL FRIENDO.CASH, ITS AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES, OR SUPPLIERS BE LIABLE TO YOU FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN AMOUNT EXCEEDING
$1000.00.
THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF FRIENDO.CASH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
## 8. Term and Termination
This Agreement is effective when you start using our Platform and continues until terminated by either you or us, or in accordance with the Providers’ agreements or as otherwise set forth in this Agreement (the "**Term**"). You may terminate this Agreement by paying all amounts you owe and providing notice to us; except that you will still be responsible for any charges, fees, fines, and other losses caused by your action or inaction prior to terminating this Agreement. We may terminate this Agreement, or suspend your Account, in our discretion or as provided in the Providers’ agreements. We will provide notice of termination or suspension to the extent permitted by applicable law.
## 9. Changes to this Agreement
This Agreement is effective as of the Last Modified date stated at the top. We may change this Agreement from time to time. Any such changes will be posted on the Site. By accessing the services after we make any such changes to this Agreement, you are deemed to have accepted such changes. Please refer back to this Agreement on a regular basis.
## 10. Governing Law and Arbitration
A. **Governing Law**. This Agreement and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation shall be governed by and construed in accordance with the applicable laws, without regard to its conflict of law principles.
B. **Dispute Resolution**. Disputes or claims will be resolved through Alternative Dispute Resolution methods (example: mediation, arbitration, or negotiation), in accordance with applicable laws.
## 11. General
A. **Assignment**. This Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Friendo.cash without restriction. Any attempted transfer or assignment in violation hereof shall be null and void.
B. **Notification Procedures and Electronic Communications**. You consent to receive notices and communications from us electronically. We may provide notices to you through your Account dashboard, or by email, text message, or SMS to the email address or phone number provided by you. You acknowledge that you must provide and maintain accurate contact information. You may not use the Platform and Services unless you consent to receive notices electronically. To withdraw consent, you must close your Account. Notices may include alerts about the Platform, Services, your Account, and updates to this Agreement. While you may adjust certain notification preferences, some communications are necessary for the operation of the Services and cannot be disabled. You are responsible for ensuring that your devices and software meet the necessary technical specifications to receive notices. Any charges imposed by your internet or mobile service providers are your responsibility. If you experience issues receiving notices, please contact us at [support@friendo.cash.](mailto:support@friendo.cash)
C. **Entire Agreement and Severability**. This Agreement, including the Privacy Policy, Cookie Policy, and any additional terms incorporated by reference, constitutes the entire agreement between you and Friendo.cash regarding your Account, the Platform, and the Services, and supersedes all prior and contemporaneous agreements, proposals, or communications, whether written or oral. If any provision of this Agreement is held invalid or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions of this Agreement shall remain in full force and effect.
D. **No Waiver**. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term, and Friendo.cash failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision.
E. **Legal Compliance and Orders**. We may respond to and comply with subpoenas, warrants, court orders, or other legal processes that we believe require us to provide information or take actions related to your use of the Platform and Services. We shall not be liable to you for any losses, whether direct or indirect, that you may incur as a result of our compliance with such legal processes. We may hold funds, restrict access to your Account, or disclose information as required. Where permitted by applicable law, we will provide you with reasonable notice of such legal actions.
F. **Survival**. The following sections shall survive the termination or expiration of this Agreement: Sections 1C (Account Management and Security), 2 (Our Proprietary Rights), 3 (Site Data and Privacy), 5 (Representations and Warranties; Indemnification), 6 (No Warranty), 7 (Limitation of Liability), 8 (Term and Termination), 10 (Governing Law and Jurisdiction), 11 (General), and any other provisions that by their nature are intended to survive termination.
G. **Electronic Signatures and Records**. You consent to the use of electronic signatures and agree that your electronic consent and agreement have the same legal effect as a physical signature. Friendo.cash may facilitate the completion and execution of electronic documents between you and third parties but is not a party to such transactions and shall not be liable for any issues arising from them. You are responsible for complying with all applicable laws regarding the retention and storage of electronic documents and records. Friendo.cash is not responsible for retaining copies of your electronic documents or producing them to any third parties.
*Copyright 2024 Friendo.cash. All rights reserved.*
