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Terms and Conditions

Welcome to Growie.io
Last Update: May 26, 2023 Welcome to Growie.io These “Terms of Use” govern your access to and use of the Growie.io website and our related websites and applications (the “Website”) and services (the “Services”) provided by Growie Operations, LLC (“Growie,” “we,” “our,” or “us”). “You,” “your,” or “User” means each person and/or entity that accesses or uses the Website and/or Services, whether or not such person or entity creates a log in, User Profile or Investing Account. These Terms of Use are in addition to any agreements between you and Growie, unless otherwise specified. By accessing the Website, establishing a login on our Website, completing a profile (“User Profile”), establishing an investing account (“Investing Account”), or using any Services, you agree that you have read, understand, and accept all of the terms and conditions contained in these Terms of Use, including the Subscription Agreement, Risk Factors and Potential Conflict of Interests agreements, and all other applicable exhibits thereto (“Investment Risks Disclosure(s)”) and E-Sign and Electronic Delivery Consent. Your compliance with these Terms of Use is a condition to your access to and use of the Website and Services. We may amend or modify these Terms of Use at any time by posting these Terms of Use on the Website. We will notify Users of our updated Terms of Use by e-mail, notice on our Website, or similar means. The revised Terms of Use shall be effective on the date posted, but will not apply retroactively. Your continued access to or use of the Website or Services after the posting of revised Terms of Use constitutes your acceptance of the revised Terms of Use. If you do not agree to the revisions, your sole and exclusive remedy is to terminate your use of the Growie Website and Services. PLEASE READ THESE TERMS OF USE CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH PROVISION. THESE TERMS OF USE CONTAIN A MANDATORY INDIVIDUAL ARBITRATION PROVISION (THE “ARBITRATION AGREEMENT”) AND CLASS ACTION/JURY TRIAL WAIVER (THE “CLASS ACTION/JURY TRIAL WAIVER”) THAT REQUIRE, UNLESS YOU OPT OUT PURSUANT TO THE INSTRUCTIONS PROVIDED, THE EXCLUSIVE USE OF FINAL AND BINDING ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES BETWEEN YOU AND US, INCLUDING ANY CLAIMS THAT AROSE OR WERE ASSERTED BEFORE YOU AGREED TO THESE TERMS OF USE. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU EXPRESSLY WAIVE YOUR RIGHT TO SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL ON YOUR CLAIMS, AS WELL AS YOUR RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, PRIVATE ATTORNEY GENERAL OR REPRESENTATIVE ACTION OR PROCEEDING.
SAFE HARBOR STATEMENT CERTAIN STATEMENTS CONTAINED IN THE WEBSITE, CONSTITUTE FORWARD-LOOKING STATEMENTS. SUCH FORWARD-LOOKING STATEMENTS, INCLUDING OUR INTENDED ACTIONS AND PERFORMANCE OBJECTIVES, PROJECTIONS, TARGETS, ESTIMATES, OR FORECASTS INVOLVE KNOWN AND UNKNOWN RISKS, UNCERTAINTIES AND OTHER IMPORTANT FACTORS, INCLUDING OUR ABILITY TO SUCCESSFULLY DEVELOP AND OPERATE THE WEBSITE, OUR BUSINESS MODEL AND THE SERVICES WE INTEND TO OFFER. THESE FACTORS ARE BASED ON EXPECTATIONS AND ASSUMPTIONS THAT MAY CHANGE AND ARE SUBJECT TO REGULATORY UNCERTAINTY, CHANGES IN OUR LEGAL ENVIRONMENT AND THE BLOCKCHAIN AND REAL ESTATE INDUSTRIES GENERALLY, WHICH COULD CAUSE OUR ACTUAL RESULTS, PERFORMANCE OR ACHIEVEMENTS TO DIFFER MATERIALLY FROM ANY FUTURE RESULTS, PERFORMANCE OR ACHIEVEMENTS EXPRESSED OR IMPLIED BY SUCH FORWARD-LOOKING STATEMENTS. ALL AMOUNTS, NUMBERS, RANGES, AND VALUES PRESENTED IN THIS DOCUMENT ARE SUBJECT TO MATERIAL CHANGE AND SHOULD BE TAKEN AS PRELIMINARY AND INDICATIVE ONLY. ANY SUCH AMOUNTS, NUMBERS, RANGES, AND VALUES ARE BASED UPON PRELIMINARY ESTIMATES, REMAIN SUBJECT TO ONGOING ANALYSIS AND MAY CHANGE MATERIALLY. ALL FORWARD-LOOKING STATEMENTS IN THIS DOCUMENT SPEAK ONLY AS OF THE DATE HEREOF. WE EXPRESSLY DISCLAIM ANY OBLIGATION TO UPDATE ANY FORWARD-LOOKING STATEMENT TO REFLECT ANY CHANGE IN OUR EXPECTATION OR ANY CHANGE IN EVENTS, CONDITIONS, ASSUMPTIONS OR CIRCUMSTANCES.

  1. Services Growie Services. Through the Website and its family of subsidiaries, Growie provides Users with an array of Services and content provided through our Website and Services (“Content”), including educational materials, financial tools, investment information, investment opportunities, and facilitates investment transactions, performance monitoring, and other functions and services. Growie does not provide any tax, legal, financial, or accounting advice.
  2. Important Notices By your acceptance of these Terms of Use, you acknowledge receipt of these notices and disclosures: Risks of Investing. Please carefully review our Investment Risks Disclosure for an overview of important risks you should consider. You acknowledge and agree that your access to and use of the Website and Services is subject to risks, including but not limited to the risks described in the risk disclosure and elsewhere on the Website and documents related to specific investments. The occurrence of any of these or other risks could result in losses and damages to you. Privacy Policy. Growie respects your privacy and is committed to protecting it. E-Sign and Electronic Delivery Consent. Growie provides most of our Services electronically. You consent to the use of electronic signatures and delivery of records in electronic format during our relationship with you as set forth in our E-Sign and Electronic Delivery Consent.
  3. Investing Accounts Registration. To access certain features of the Website and certain Services, you will be required to create a login and complete a User Profile by providing information about yourself and your Organization (as defined below) (if applicable). You agree that the information you provide to us is accurate and that you will notify us of any changes. Eligibility. To establish an Investing Account, you must: Be an Accredited Investor if you are a U.S. citizen or resident alien, or invest through an eligible U.S.-based entity; Be at least 18 years old; Not have been suspended or removed from the Website; Verify your identity and pass certain anti-money laundering checks and other due diligence requirements; and By using our Website, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website or Services. Safeguarding Your Investing Account. When you register, you will be asked to establish a login and password that will be used to access your User Profile and Investing Account(s). We may require multi-factor authentication and other security features to access your User Profile and Investing Account(s). You are solely responsible for maintaining the confidentiality of your login and password, and you accept responsibility for all activities that occur under your login, User Profile and Investing Account(s). You are responsible for maintaining security and control of your login information, passwords, e-mails, devices you use to access the Website or the Services or to send any instruction to us, and bank accounts you have associated with your User Profile and Investing Accounts. You must keep your email account associated with your login secure against any attacks and authorized access. If you believe that your login information or associated email account is no longer secure, then you must immediately notify us at contact@growie.io. Account Usage. You must ensure that the login, User Profile, and Investing Account you register will not be used by any other person unless they have been registered and completed any required identity verification described in these Terms of Use. Growie reserves the right to terminate, suspend or restrict your access to the Website, Services, or your login, User Profile or Investing Account(s) or refuse to complete a transaction or instruction, in its sole discretion. Circumstances in which such adverse actions are more likely to arise include compliance with legal or regulatory requirements, suspected breach of these Terms of Use by you or your User Profile or Investing Account, suspected security breach, fraudulent activity, money laundering, or other crime, suspicious activity, circumvention of our policies, controls, or procedures, or other actions that we deem warrant adverse action. Any instruction or order given for your User Profile or Investing Account using your login credentials or those of any other person you have registered for your User Profile or Investing Account for will be treated as being from you and fully authorized by you, and Growie will not be liable for relying on such instruction or order. Authorization. Please note that if you are an individual and you access or use our Website or Services on behalf of a company or other entity, such as your employer (together with its affiliates, an “Organization”), then: (i) these Terms of Use are an agreement between us and you and us and that Organization; (ii) you represent and warrant that you have the authority to bind that Organization to these Terms of Use (and if you do not have that authority, you may not access or use our Website or Services); (iii) your acceptance of these Terms of Use will bind such Organization to these Terms of Use; (iv) your individual right to access and use our Website and Services may be suspended or terminated (and ownership and administration of your User Profile may be transferred) if you cease to be associated with, or cease to use an email address associated with or provisioned by, that Organization; (v) we may disclose information regarding you and your use of our Website or Services with such Organization; and (vi) the terms “you” and “your”, as used in these Terms of Use, refer to both you and such Organization. If you sign up for our Website or Services using an email address associated with or provisioned by an Organization, or if an Organization pays fees due in connection with your access to or use of our Website or Services (or reimburses you for payment of such fees), or otherwise, then, we may deem you to be accessing and using our Website or Services on behalf of that Organization in our sole discretion. Accredited Investor Verification. If you are a U.S. citizen or resident alien, or invest through an eligible U.S.-based entity, to complete your Investing Account opening, and before you can invest in any securities, you must submit verification that you are an Accredited Investor. This verification is required for securities issuers to comply with Rule 506(c) under the Securities Act. “Accredited Investor” means an “accredited investor” as defined in Rule 501(a) of Regulation D: A natural person who satisfies one of the following federal standards: Income: Has earned income that exceeded $200,000 (or $300,000 together with a spouse or spousal equivalent) in each of the prior two years, and reasonably expects the same for the current year; Net Worth: has a net worth over $1 million either alone or together with a spouse or spousal equivalent (excluding the value of their primary residence); or Professional License: holds in good standing a Series 7, 65, or 82 license. An entity can satisfy the federal standards in several ways, including but not limited to: Revocable Trust: a revocable trust for which the grantor is an Accredited Investor; Accredited Owners: an LLC, corporation, or other entity in which all of the equity owners (shareholders or LLC members) are Accredited Investors; Trust Assets: a trust with assets of more than $5 million, not formed specifically to purchase the securities, whose purchase is directed by a sophisticated person; or Entity Investments: an LLC, corporation, or other entity with total investments of more than $5 million, not formed specifically to purchase the securities. Identity Verification and Anti-Money Laundering Inquiries. You agree to provide us with the information we request for the purposes of identity verification and the detection of money laundering, terrorist financing, fraud, or any other financial crime and permit us to keep a record of such information. You will need to complete certain verification procedures before you are permitted to use certain Services, complete an Investing Account opening or an investment. The information we request may include certain personal information, including, but not limited to, your name, address, telephone number, email address, date of birth, taxpayer identification number, government identification number and scans of government-issued identity documents. In addition to providing this information, to facilitate compliance with regulatory requirements for data retention, you agree to permit us to keep a record of such information for the lifetime of your Investing Account(s) plus any period of time as may be required by applicable law. You agree to keep us updated if any of the information you provide changes. You authorize us to make inquiries, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud, money laundering, terrorist financing or other financial crime, and to take any action we deem necessary based on the results of such inquiries. When we carry out these inquiries, you acknowledge and agree that your personal information may be disclosed to identity verification, compliance data recordation, credit reference, fraud prevention, or financial crime agencies and that these agencies may respond to our inquiries in full. If there is any reasonable doubt that any information provided by you is wrong, untruthful, outdated or incomplete, we shall have the right to send you a notice to request corrections, remove relevant information directly and, as the case may be, terminate all or part of the Services provided to you.
  4. Communications Calls and Texts. If you provide us with phone number(s), you represent and warrant that the numbers you provide are your phone numbers, and you will promptly notify us of any changes. You expressly consent and agree that Growie can contact you using written, electronic, or verbal means, including by manual dialing, emails, leaving prerecorded/artificial voice messages or using an automatic telephone dialing system to call or text your mobile/cellular telephone number, as necessary to complete transactions requested by you and to service your account and as the law allows, even if those phone numbers are registered by you on any federal or state Do-Not-Call/Do-Not-email registry. You may opt out at any time from receiving these types of texts or calls by advising the caller orally, or by e-mail to contact@growie.io. Opting out of receiving operational phone calls and texts may impact the functionality that the Website and Services provide to you. Please note, even if you opt out, we may still make other calls as permitted by law. You may continue to receive calls or text messages for a short period while Growie processes your request, and you may also receive text messages confirming the receipt of your opt-out request. You agree that Growie may record and monitor phone calls and other electronic communications with you for customer service and/or regulatory compliance purposes. Growie does not guarantee that any particular communication will be recorded and/or retained. We may share your number with third parties that provide services to us in connection with any of the foregoing purposes, including but not limited to debt collectors and as otherwise described in our Privacy Policy. You understand that message, telephone minute and data rates may apply for calls and texts made to a mobile phone number. Please note that by creating a User Profile and providing your phone number, you consent to receive autodialed or prerecorded calls and text messages from us at the telephone number(s) provided by you to us. We may place such calls or texts to (i) help keep your User Profile secure through the use of two-factor authentication; (ii) help you access your User Profile when you’ve forgotten your password; or (iii) as otherwise necessary to service your User Profile or enforce these Terms of Use, our policies, applicable law, or any other agreement we may have with you. Emails. Growie may send you emails concerning your User Profile, Investing Account, transactions, and other operational matters. Growie also may send you promotional emails regarding our products and Services, as well as those of third parties. You may opt out of promotional emails by following the unsubscribe instructions in the promotional email itself.
  5. Dispute Resolution Arbitration. READ THIS SECTION 5 CAREFULLY BECAUSE IT REQUIRES THE PARTIES TO ARBITRATE THEIR DISPUTES AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM US. This Section 5 (the “Arbitration Agreement”) applies to and governs any dispute, controversy, or claim between you and us that arises out of or relates to, directly or indirectly: (i) these Terms of Use, including the formation, existence, breach, termination, enforcement, interpretation, validity, or enforceability thereof; (ii) access to or use of our Website or Services, including receipt of any advertising, marketing, or other communications from us; (iii) any transactions through, by, or using our Website or Services; or (iv) any other aspect of your relationship or transactions with us, directly or indirectly, as a User or consumer (“Claim” or collectively, “Claims”). The Arbitration Agreement shall apply, without limitation, to all Claims that arose or were asserted before or after your consent to these Terms of Use.
    If you are a new User, you can reject and opt-out of this Arbitration Agreement within thirty (30) days of accepting these Terms of Use by emailing us at legal@growie.io with your first and last name and stating your intent to opt-out of the Arbitration Agreement. Opting out of this Arbitration Agreement does not affect the binding nature of any other part of these Terms of Use, including the provisions regarding controlling law or in which courts any disputes must be brought. For any Claim, you agree to first contact us at legal@growie.io and attempt to resolve the dispute with us informally. In the unlikely event that we have not been able to resolve a Claim after sixty (60) days, we each agree to resolve any Claim through binding arbitration by JAMS, under the Optional Expedited Arbitration Procedures then in effect for JAMS (the “Rules”), except as provided herein. JAMS may be contacted at www.jamsadr.com, where the Rules are available. In the event of any conflict between the Rules and this Arbitration Agreement, the Arbitration Agreement shall control. The arbitration will be conducted in Miami, Florida. If you are using our Website and Services for commercial purposes, each party will be responsible for paying any JAMS filing, administrative and arbitrator fees in accordance with JAMS rules, and the award rendered by the arbitrator will include costs of arbitration, reasonable attorney’s fees and reasonable costs for expert and other witnesses. If you are an individual using our Website or Services for non-commercial purposes: (i) JAMS may require you to pay a fee for the initiation of your case, unless you apply for and successfully obtain a fee waiver from JAMS; (ii) the award rendered by the arbitrator may include your costs of arbitration, your reasonable attorney’s fees, and your reasonable costs for expert and other witnesses; and (iii) you may sue in a small claims court of competent jurisdiction without first engaging in arbitration, but this does not absolve you of your commitment to engage in the informal dispute resolution process. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. You and we agree that the arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any disputes relating to the interpretation, applicability, enforceability or formation of this Arbitration Agreement, including any claim that all or any part of this Arbitration Agreement is void or voidable. The arbitrator shall also be responsible for determining all threshold arbitrability issues, including issues relating to whether these Terms of Use, or any provision of these Terms of Use, is unconscionable or illusory or any defense to arbitration, including waiver, delay, laches, unconscionability, or estoppel.
    NOTHING IN THIS SECTION 5 WILL BE DEEMED AS: PREVENTING US FROM SEEKING INJUNCTIVE OR OTHER EQUITABLE RELIEF FROM THE COURTS AS NECESSARY TO PREVENT THE ACTUAL OR THREATENED INFRINGEMENT, MISAPPROPRIATION, OR VIOLATION OF OUR DATA SECURITY, INTELLECTUAL PROPERTY RIGHTS OR OTHER PROPRIETARY RIGHTS; OR PREVENTING YOU FROM ASSERTING CLAIMS IN SMALL CLAIMS COURT, IF YOUR CLAIMS QUALIFY AND SO LONG AS THE MATTER REMAINS IN SUCH COURT AND ADVANCES ON ONLY AN INDIVIDUAL (NON-CLASS, NON-COLLECTIVE, AND NON-REPRESENTATIVE) BASIS.
    If this Arbitration Agreement is found to be void, unenforceable, or unlawful, in whole or in part, the void, unenforceable, or unlawful provision, in whole or in part, shall be severed. Severance of the void, unenforceable, or unlawful provision, in whole or in part, shall have no impact on the remaining provisions of the Arbitration Agreement, which shall remain in force, or the parties ability to compel arbitration of any remaining claims on an individual basis pursuant to the Arbitration Agreement. Notwithstanding the foregoing, if the Class Action/Jury Trial Waiver is found to be void, unenforceable, or unlawful, in whole or in part, because it would prevent you from seeking public injunctive relief, then any dispute regarding the entitlement to such relief (and only that relief) must be severed from arbitration and may be litigated in a civil court of competent jurisdiction. All other claims for relief subject to arbitration under this Arbitration Agreement shall be arbitrated under its terms, and the parties agree that litigation of any dispute regarding the entitlement to public injunctive relief shall be stayed pending the outcome of any individual claims in arbitration. Class Action/Jury Trial Waiver. WITH RESPECT TO ALL PERSONS AND ENTITIES, REGARDLESS OF WHETHER THEY HAVE OBTAINED OR USED OUR WEBSITE AND SERVICES FOR PERSONAL, COMMERCIAL OR OTHER PURPOSES, ALL CLAIMS MUST BE BROUGHT IN THE PARTIES INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE PROCEEDING. THIS WAIVER APPLIES TO CLASS ARBITRATION, AND, UNLESS WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS. YOU AND WE AGREE THAT THE ARBITRATOR MAY AWARD RELIEF ONLY TO AN INDIVIDUAL CLAIMANT AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF ON INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED MAY NOT AFFECT OTHER USERS. YOU AND WE AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND WE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND.
  6. Modifications of the Website and Services. Growie reserves the right to modify or discontinue the Website, Services, and/or certain features at any time, temporarily or permanently, without notice to you. Growie will have no liability for any change to the Website or Services or any suspension or termination of your access to or use of the Website or Services. Growie modifies the content on the Website from time to time, but makes no representation that the Content is always complete or up to date. We are under no obligation to update such material or provide user support.
  7. Securities Products (to the extent applicable). Investment opportunities offered and/or purchased on the Website could be considered “Securities” under federal law. To the extent applicable, the Securities are offered and/or managed by the issuer of the Securities (the “Issuer”) or an affiliate or third-party sponsor (the “Sponsor”). Unless otherwise provided in the governing documents of each Securities offering, the Securities have not been registered under the Securities Act, in reliance, among other exemptions, on the exemptive provisions of Regulation D and/or Regulation S under the Securities Act. No governmental agency has reviewed the Securities and no state or federal agency has passed upon either the adequacy of the disclosure contained herein or the fairness of the terms of any offering. The Securities are only suitable for investors who are familiar with and willing to accept the high risks associated with private investments, including the risk of complete loss of your investment. Securities sold through private placements are not publicly traded and, therefore, are illiquid unless registered with the SEC. Additionally, the Securities may be subject to restrictions on resale or transfer including holding period requirements. Investing in private placements requires high risk tolerance, low liquidity need, and long-term commitments. You must be able to afford to lose your entire investment. Investment products are not FDIC insured, may lose value, and there is no bank guarantee. Content provided on the Website has been prepared without reference to any particular investment requirements or the financial situation of any person or entity. YOU ALONE ARE RESPONSIBLE FOR SEEKING THE ADVICE OF A QUALIFIED THIRD-PARTY PROFESSIONAL BEFORE MAKING DECISIONS REGARDING YOUR BUSINESS AND/OR INVESTMENTS. Featuring or posting on the Website or via the Services of any opportunity or Security does not constitute a recommendation by Growie that you invest in that Security or a representation of the quality of any potential investment. Growie does not recommend or endorse any particular issuer, sponsor of an investment opportunity, or an investment in any particular investment. In cases where a third party is the Sponsor and/or Issuer of an investment opportunity, the third party, and not Growie, is responsible for compliance with exemptions from registration under the Securities Act and under the Investment Company Act of 1940 (“Investment Company Act”), as well as any other applicable laws. These risks are non-exhaustive and are intended to highlight certain risks associated with investing in securities that are not registered with the SEC. In addition to reviewing Investment Risks Disclosure. We strongly advise you to consult a legal, tax and financial professional before investing, and carefully review all the specific risk disclosures provided as part of any offering materials and ask the Issuer any questions you may have or request additional information.
  8. Third-Party Information. The Website contents include information provided by third parties. While Growie continually endeavors to provide reasonably and materially correct information, Growie cannot verify or guarantee the accuracy or completeness of all information provided by third parties. Growie makes no representation, warranty, or assurance that any information posted on the Website or through the Services concerning or by third parties is accurate or complete and has no responsibility or liability for that information. Growie disclaims all liability and responsibility arising from any reliance placed on such materials by any User or anyone who may be informed of the Content. All statements and/or opinions expressed in Third-Party Content (as defined below) are solely the opinions and the responsibility of the person or entity providing the Third-Party Content. We do not endorse or assume any responsibility for any such third-party services. If you access a third-party service from our Website or Services or share your content on or through any third-party service, you do so at your own risk, and you understand that these terms and our privacy policy do not apply to your use of such third-party services. If you use a third-party service, you are subject to and agree to the third party’s terms and conditions and privacy policy made available on or agreed in connection with their services.
  9. User Interactions and Disagreements. The Website may allow you to interact with investment Issuers or Sponsors and other Users. You acknowledge that third-party investment Issuers and Sponsors and other Users are not affiliated with or controlled by Growie or its affiliates. YOU AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTIONS AND SHARING OF INFORMATION AND GROWIE AND ITS AFFILIATES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGE OF ANY SORT INCURRED AS THE RESULT OF ANY INTERACTIONS OR AGREEMENTS BETWEEN YOU AND OTHER USERS OR THIRD-PARTY SPONSORS. IF YOU HAVE A DISPUTE WITH ONE OR MORE USERS OR THIRD-PARTY SPONSORS, YOU IRREVOCABLY AND FOREVER RELEASE GROWIE (AND GROWIE’S AFFILIATES, OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, JOINT VENTURES AND EMPLOYEES) FROM CLAIMS, DEMANDS AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH SUCH DISPUTES.
  10. Indemnity. To the fullest extent permitted by law, you are responsible for your use of the Website and the Services, and you agree to defend, indemnify, and hold harmless Growie and its officers, directors, employees, consultants, affiliates, subsidiaries and agents (together, the “Growie Entities”) from and against any and all claims related liability, damage, obligations, losses, costs, debts, and expenses, including reasonable attorneys’ fees and costs, arising out of or connected with: (a) your access and use of, or misuse of, the Website and Services; (b) your violation of any portion of these Terms of Use, any representation, warranty, or agreement referenced in these Terms of Use, or any applicable law or regulation; (c) your violation of any third-party right, including any intellectual property right or publicity, confidentiality, other property, or privacy right; (d) any dispute, issue, or agreement between you and any third party, (e) any misleading, false, or inaccurate information uploaded to your User Profile or Investing Account, (f) any third party’s access to or use of our Website or Services with your username(s), password(s), or other security code(s), or (g) any interactions between or agreements between you and another User or any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (without limiting your indemnification obligations with respect to that matter), and in that case, you agree to cooperate with our defense of those claims.
  11. Disclaimers; No Warranties THE WEBSITE, SERVICES AND ALL MATERIALS, INFORMATION, AND CONTENT AVAILABLE THROUGH THE SERVICES ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. GROWIE DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE WEBSITE OR SERVICES AND ALL MATERIALS, INFORMATION, AND CONTENT AVAILABLE THROUGH THEM, INCLUDING: (A) ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (B) ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE. WITHOUT LIMITING THE FOREGOING, WE, OUR SUBSIDIARIES, OUR AFFILIATES, AND OUR LICENSORS DO NOT WARRANT THAT ANY CONTENT ON OUR WEBSITE OR SERVICES IS ACCURATE, RELIABLE OR CORRECT; THAT OUR WEBSITE OR SERVICES WILL MEET YOUR REQUIREMENTS; THAT OUR WEBSITE OR SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT OUR WEBSITE AND SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE WEBSITE, SERVICES OR GROWIE ENTITIES OR ANY MATERIALS, OR CONTENT AVAILABLE THROUGH THEM WILL CREATE ANY WARRANTY REGARDING ANY OF THE GROWIE ENTITIES OR THE SERVICES THAT IS NOT EXPRESSLY STATED IN THESE TERMS. WE ARE NOT RESPONSIBLE FOR ANY DAMAGE THAT MAY RESULT FROM THE WEBSITE OR SERVICES AND YOUR DEALING WITH ANY OTHER SERVICE USER. YOU UNDERSTAND AND AGREE THAT YOU USE ANY PORTION OF THE WEBSITE AND SERVICES AT YOUR OWN DISCRETION AND RISK, AND THAT WE ARE NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE WEBSITE OR SERVICES) OR ANY LOSS OF DATA, INCLUDING USER CONTENT. GROWIE MAKES NO WARRANTY OR REPRESENTATION AS TO ANY SPONSOR’S OR ISSUER’S COMPLIANCE WITH THE INVESTMENT COMPANY ACT, THE INVESTMENT ADVISERS ACT, OR THE SECURITIES ACT, OR ANY OTHER LAW, RULE, OR REGULATION. YOU UNDERSTAND AND AGREE THAT YOU, AND NOT GROWIE, BEAR THE RISK FOR ANY LOSSES THAT DERIVE FROM THE ILLEGALITY OR NONCOMPLIANCE OF A SPONSOR OR ISSUER’S INVESTMENT OPPORTUNITIES. THE CONTENT PROVIDED THROUGH OR IN CONNECTION WITH OUR WEBSITE AND SERVICES ARE DESIGNED TO PROVIDE PRACTICAL AND USEFUL INFORMATION ON THE SUBJECT MATTER COVERED. WHILE SUCH CONTENT MAY CONCERN ISSUES RELATED TO PROFESSIONAL SERVICES, SUCH CONTENT IS NOT PROFESSIONAL SERVICES ADVICE. YOU SHOULD NOT ACT OR REFRAIN FROM ACTING ON THE BASIS OF ANY CONTENT INCLUDED ON THIS SITE OR IN CONNECTION WITH OUR WEBSITE AND SERVICES WITHOUT SEEKING THE ADVICE OF A COMPETENT PROFESSIONAL IN THE APPLICABLE SUBJECT MATTER. WE EXPRESSLY DISCLAIM ALL LIABILITY IN RESPECT OF ACTIONS TAKEN OR NOT TAKEN BASED ON ANY CONTENT OF OR IN CONNECTION WITH OUR WEBSITE AND SERVICES. YOU ARE SOLELY RESPONSIBLE FOR ANY INVESTMENT DECISIONS YOU MAKE BASED ON THE WEBSITE AND SERVICES. GROWIE SHALL NOT BE LIABLE FOR ANY INVESTMENT DECISIONS MADE BY YOU OR FOR ANY LOSS BASED ON THOSE DECISIONS. FEDERAL LAW, SOME STATES, PROVINCES AND OTHER JURISDICTIONS DO NOT ALLOW THE EXCLUSION AND LIMITATIONS OF CERTAIN IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THESE TERMS GIVE YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY FROM STATE TO STATE. THE DISCLAIMERS AND EXCLUSIONS UNDER THESE TERMS WILL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW. Growie does not disclaim any warranty or other right that Growie is prohibited from disclaiming under applicable law.
  12. Limitation of Liability TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE GROWIE ENTITIES BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR ANY OTHER INTANGIBLE LOSS) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE WEBSITE AND SERVICES OR ANY MATERIALS OR CONTENT ON THE WEBSITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ANY GROWIE ENTITY HAS BEEN INFORMED OF THE POSSIBILITY OF DAMAGE. UNDER NO CIRCUMSTANCES WILL WE BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING, TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF OUR WEBSITE OR SERVICES OR YOUR ACCOUNT OR THE INFORMATION CONTAINED THEREIN. TO THE FULLEST EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF THE GROWIE ENTITIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR ANY INABILITY TO USE ANY PORTION OF THE WEBSITE OR SERVICES OR OTHERWISE UNDER THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO $500. NOTWITHSTANDING THE FOREGOING, GROWIE WILL IN NO EVENT BE LIABLE FOR ANY CLAIMS OR DAMAGES ARISING OUT OF OR RELATED TO ANY INVESTMENT, OR POTENTIAL INVESTMENT, OF ANY USER. WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (A) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (B) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF OUR SERVICES; (C) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN; (D) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEBSITE OR SERVICES; (E) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE OR SERVICES BY ANY THIRD PARTY; (F) 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 OUR WEBSITE OR SERVICES; AND/OR (G) YOUR DATA OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY. YOUR USE OF THE WEBSITE, SERVICES AND ANY FINANCIAL DECISIONS YOU MAKE RELATING TO THE SECURITIES ARE AT YOUR SOLE RISK. EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED TO AND DOES ALLOCATE THE RISKS BETWEEN THE PARTIES UNDER THESE TERMS. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION 12 WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. THESE TERMS GIVE YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY BY JURISDICTION. THE DISCLAIMERS, EXCLUSIONS, AND LIMITATIONS OF LIABILITY UNDER THESE TERMS WILL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.
  13. Event of Death. In the event of your death, the representative of your estate or the survivor or survivors shall notify Growie, and Growie may, before or after receiving notice, take proceedings, require papers and inheritance or estate tax waivers, or restrict transactions in the Investing Account. In the event of your death, Growie may cancel all open offers, but Growie shall not be responsible for any action taken on such offers prior to the actual receipt of notice of death. Further, Growie may in its discretion close the Investing Account without awaiting the appointment of a personal representative for your estate and without demand upon or notice to any personal representative.
  14. Tax; Tax Reporting. You acknowledge that it is your responsibility to declare and pay any applicable income, gains, or similar taxes to all applicable tax authorities, make any tax filings, and to pay any and all taxes (“Taxes”) when due in all applicable jurisdictions.
  15. Confidentiality. You acknowledge that you may have access to certain confidential and proprietary information (“Confidential Information”) of Growie, Issuers, Sponsors, and others through the Website and the Services. Confidential Information includes any information, including information from other Users shared via the Website or Services, that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure, including non-public business, product, technology and marketing information. This Confidential Information includes, but is not limited to, private placement memorandum, business plans, financial projections, financial results, and investment agreements. Confidential Information does not include any information that: (a) is or becomes generally available to the public other than as a result of the your breach of this Section 15; (b) is or becomes available to the you on a non-confidential basis from a third-party source, provided that such third party is not and was not prohibited from our disclosure thereof; (c) was in your possession prior to the our disclosure thereof; or (d) was or is independently developed by you without using any of the discloser’s Confidential Information. You agree to treat such information as confidential, protect and safeguard the confidentiality of the information with at least the same degree of care as you would protect your own Confidential Information, but in no event with less than a commercially reasonable degree of care, not use it for any purpose other than the investment purposes for which the information was provided to you, and not to disclose it to any third party, except (x) as necessary to permit your accountant, lawyer, or investment advisor to provide services other than affecting like transactions; (y) in connection with an audit or regulatory examination by federal or state regulators; or (z) as may otherwise be legally required or authorized. If you are required by applicable law or legal process to disclose any Confidential Information, it shall, prior to making such disclosure, use commercially reasonable efforts to notify us of such requirements to afford us the opportunity to seek, at our sole cost and expense, a protective order or other remedy. You acknowledge that we will be irreparably harmed if our Confidential Information is distributed in breach of this Section 15, and that we would not have an adequate remedy at law in the event of such an actual or threatened breach. Therefore, you agree that we shall be entitled to seek injunctive relief against any actual or threatened breaches of this Section 15 by you without the necessity of showing actual damages or showing that monetary damages would not afford an adequate remedy.
  16. Intellectual Property Website Content. Growie grants you a limited right to use the Website, Services, and Content including Third-Party Content described below, solely for the purpose of investment-related activity through the Website and Services. You may view, download, and print the Content solely for your personal non-commercial use. No license or other right, title or interest in any Content is intended or granted. You may not reproduce, publish, distribute, display, modify, create derivative works from, sell, license, or exploit in any way, in whole or in part, any of the Content or the Website. Growie reserves all rights with respect to copyright and trademark ownership of all Content. Feedback. If you choose to provide input, suggestions, or questions, or post to forums, chats, or otherwise on the Website or other Growie forum (collectively, “Feedback”), then you grant Growie an unrestricted, perpetual, irrevocable, non-exclusive, fully paid, royalty-free right to exploit the Feedback in any manner and for any purpose, including to improve the Website or Services and create other products and services. Growie has no obligation to use or exploit the Feedback in any manner. Ownership; Proprietary Rights. The Website and Services are owned and operated by Growie. The Content, logos, visual interfaces, graphics, design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the Services (“Materials”) provided by Growie are protected by intellectual property and other laws and are our sole and exclusive property. All Materials included in the Website and Services are the property of Growie or its third-party licensors. Except as expressly authorized by Growie, you may not make use of the Materials. Growie reserves all rights to the Materials not granted expressly in these Terms of Use. Use of our Materials for any purpose not expressly permitted by these Terms of Use is strictly prohibited. Third-Party Content, Services and Linked Websites. Third parties provide content, tools, reports, services, connectivity, and other material (collectively, “Third-Party Content”) on the Website and/or through the Services. Growie does not prepare or endorse Third-Party Content, does not guarantee the accuracy, timeliness, completeness or usefulness of Third-Party Content, and is not responsible or liable for any content, advertising, products, or other materials on or available from third-party sites.
  17. DMCA Notification. We comply with the provisions of the Digital Millennium Copyright Act applicable to Internet service providers (17 U.S.C. § 512, as amended). If you have an intellectual property rights-related complaint about material posted on the Website, you may contact our designated agent at the following address: Growie Operations, LLC ATTN: Legal Department (Copyright Notification) 1300 Brickell Avenue, Miami, Florida 33131 legal@growie.io Any notice alleging that materials hosted by or distributed through the Website infringe intellectual property rights must include the following information: an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other right being infringed; a description of the copyrighted work or other intellectual property that you claim has been infringed; a description of the material that you claim is infringing and where it is located on the Services; your address, telephone number, and email address; a statement by you that you have a good faith belief that the use of the materials on the Services of which you are complaining is not authorized by the copyright owner, its agent, or the law; and a statement by you that the above information in your notice is accurate and that, under penalty of perjury, you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf. UNDER FEDERAL LAW, IF YOU KNOWINGLY MISREPRESENT THAT ONLINE MATERIAL IS INFRINGING, YOU MAY BE SUBJECT TO CRIMINAL PROSECUTION FOR PERJURY AND CIVIL PENALTIES, INCLUDING MONETARY DAMAGES, COURT COSTS, AND ATTORNEYS' FEES. Please note that this procedure is exclusively for notifying Growie and its affiliates that your copyrighted material has been infringed. The preceding requirements are intended to comply with Growie’s rights and obligations under the DMCA, including 17 U.S.C. §512(c), but do not constitute legal advice. It may be advisable to contact an attorney regarding your rights and obligations under the DMCA and other applicable laws.
  18. Prohibited Conduct. You agree that you will not: Use the Website, Services, Content, or Materials to identify potential investment opportunities from third-party Sponsors or Issuers and attempt to circumvent Growie and invest directly with such third-party Sponsors or Issuers on your behalf or on behalf of anyone else; Use the Website to advertise or solicit other Users for any purpose, commercial or otherwise; Use the Website or Services for any illegal purpose or in violation of any local, state, national, or international law; Harass, threaten, demean, embarrass, or otherwise harm any other User, Growie employee, Sponsor, Issuer, or other person, as determined by Growie in its sole and absolute discretion; Violate, or encourage others to violate, any right of Growie or a third party, including by infringing or misappropriating any Growie or third-party intellectual property right; Interfere with security-related features of the Website or Services, including by: (i) disabling or circumventing features that prevent or limit use or copying of any Content; or (ii) reverse engineering or otherwise attempting to discover the source code of any portion of the Services except to the extent that the activity is expressly permitted by applicable law; Interfere with the operation of the Website or Services or any User’s enjoyment of the Website or Services, including by: (i) uploading or otherwise disseminating any virus, adware, spyware, worm, or other malicious code; (ii) making any offer or advertisement to another User; (iii) collecting personal information about another User or third party without consent; or (iv) interfering with or disrupting any network, equipment, or server connected to or used to provide the Website or the Services; Perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation, accessing any other account without permission, or falsifying your age or date of birth; Sell or otherwise transfer the access granted under these Terms of Use or any right or ability to view, access, or use any Content or Materials; Attempt to do any of the acts described in this Section 18 or assist or permit any person in engaging in any of these acts; Disassemble, reverse engineer, decode or decompile any part of our Services; Use any robot, spider, scraper, data mining tool, data gathering or extraction tool, or any other automated means, to access, collect, copy or record our Services or to access the Services in a manner that sends more request messages to the Growie servers than a human can reasonably produce in the same period of time by using a conventional on-line web browser (except that Growie grants the operators of public search engines revocable permission to use spiders to copy publicly available materials from the Services for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials); Use our Services in any manner that impacts (i) the stability of our servers, (ii) the operation or performance of our Services or any User’s use of our Services, or (iii) the behavior of other applications using our Services; Use our Services in any manner or for any purpose that (i) violates or promotes the violation of any applicable law, regulation, legal requirement, contractual obligation or right of any person including, but not limited to, intellectual property rights, rights of privacy, or rights of personality, (ii) is fraudulent, false, deceptive or defamatory, (iii) promotes hatred, violence or harm against any individual or group, or (iv) otherwise may be harmful or objectionable (in our sole discretion) to us, our providers, our suppliers, our Users, or any other third party; Use or display our Services in competition with us, to develop competing products or services, for benchmarking or competitive analysis of our Services, or otherwise to our detriment or disadvantage; Bypass the measures we may use to prevent or restrict access to the Services, including without limitation features that prevent or restrict use or copying of any Content or enforce limitations on use of the Services or the Content therein; or Copy, rent, lease, sell, loan, transfer, assign, sublicense, resell, distribute, modify, alter or create derivative works of any part of our Services or any of our intellectual property including without limitation by any automated or non-automated “scraping.”
  19. General Suspension; Termination. Growie may at any time, in its sole discretion and without prior notice to you: (i) prohibit or restrict your access to the use of the Website or Services; (ii) restrict your ability to engage in one or more investment transactions; and/or (iii) terminate your Investing Account. The closing of your Investing Account will not affect the rights or obligations of either party that are incurred prior to the date your Investing Account is closed. Notice Procedures and Changes to these Terms. We may provide notifications, whether such notifications are required by law or are for marketing or other business-related purposes, to you via email notice, written or hard copy notice, or through posting of such notice on our Website, as we determine in our sole discretion. We reserve the right to determine the form and means of providing notifications to our Users, provided that you may opt out of certain notifications as required under applicable laws or as described in these Terms of Use or our Privacy Policy. We are not responsible for any automatic filtering you or your network provider may apply to email notifications we send to the email address you provide us. We may, in our sole discretion, modify or update these Terms of Use from time to time, and so you should review this page periodically. When we change these Terms of Use in a material manner, we will update the ‘last modified’ date at the top of this page and notify you that material changes have been made to these Terms of Use. These Terms of Use apply to and govern your access to and use of our Website or Services effective as of the start of your access to or use of our Website or Services, even if such access or use began before publication of these Terms of Use. Your continued use of our Website or Services after any such change constitutes your acceptance of the new Terms of Use. If you do not agree to any part of these Terms of Use or any future Terms of Use, do not use or access (or continue to access) our Website or Services. Other Agreements. Investments in private equity interests of real estate entities involve the execution of numerous agreements with third parties in addition to agreements you may enter into with Growie and its affiliates. When you invest in a transaction, you may enter into one or more agreements with the Issuer and/or Sponsor, such as a subscription agreement and limited liability company operating agreement. These investment agreements govern the terms of your investment. Growie generally is not a party to your investment agreements. These Terms of Use do not affect your investment agreements. These Terms of Use apply to the Services provided by Growie to support and facilitate your investment activities. Governing Law; Jurisdiction. These Terms of Use are governed by the laws of the State of Florida without regard to conflict of law principles. You and Growie submit to the personal and exclusive jurisdiction of the state courts and federal courts located within Miami, Florida for resolution of any lawsuit or court proceeding permitted under these Terms of Use. Additional Terms. Your use of the Website and Services are subject to all additional terms, policies, rules, or guidelines that we may post on or link to from the Website (the “Additional Terms”). All Additional Terms are incorporated by this reference into, and made a part of, these Terms of Use. Contact Information. The Website is offered by Growie, located at 1300 Brickell Avenue, Miami, Florida 33131. You may contact us by emailing us at contact@growie.io. Notice to California Residents. If you are a California resident, under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210 in order to resolve a complaint regarding the Services or to receive further information regarding use of the Services. International Use. The Website and the Services are intended for United States residents. We make no representation that the Services are appropriate or available for use outside of the United States. Access to the Website and Services from countries or territories or by individuals where such access is illegal is prohibited. Binding Effect; Assignment. This Agreement shall bind your heirs, assigns, executors, successors, conservators and administrators. You may not assign this Agreement or any rights or obligations under this Agreement without first obtaining Growie’s prior written consent. Growie may assign, sell, or transfer your Investing Account, the Website, and/or the Services and its obligations under these Terms of Use, or any portion thereof, at any time, without your prior consent. Severability. If any provisions or conditions of these Terms of Use are or become inconsistent with any present or future law, rule, or regulation of any applicable government, regulatory or self-regulatory agency or body, or are deemed invalid or unenforceable by any court of competent jurisdiction, such provisions shall be deemed rescinded or modified, to the extent permitted by applicable law, to make these Terms of Use in compliance with such law, rule or regulation, or to be valid and enforceable, but in all other respects, these Terms of Use shall continue in full force and effect. Entirety of Agreement. These Terms of Use, and any attachments, disclosures, agreements and policies referred to in these Terms of Use contain the entire agreement between Growie and you and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between Growie and you with respect to the Website and the Services, provided, however, that any and all other agreements between Growie and you, not inconsistent with these Terms of Use, will remain in full force and effect. No Waiver; Cumulative Nature of Rights and Remedies. You understand that Growie’s failure to insist at any time upon strict compliance with any term contained in these Terms of Use, or any delay or failure on Growie’s part to exercise any power or right given to Growie, or a continued course of such conduct on Growie’s part, shall at no time operate as a waiver of such power or right, nor shall any single or partial exercise preclude any other further exercise. All rights and remedies given to Growie in these Terms of Use are cumulative and not exclusive of any other rights or remedies to which Growie is entitled.