Qoins Terms of Service

Last Updated: September 1, 2021

1. Acceptance of Terms. These Application Terms of Use (the “Terms of Use”) apply to the website located at www.qoins.io and any other successor website, subdomain, or subsite, (the “Website”) and the mobile application (“Mobile App”) which links to or references these Terms of Use.  The Website and Mobile App that provides you access to the Products and Services (defined below) provided by Qoins (“Qoins”) shall be referred to herein as the Application. 

The Application provides users with access to information and materials about and from Qoins and its third party service providers. These materials may include information related to certain products and services (“Products and Services”) offered by Qoins. The Application may also contain text, pictures, graphics, logos, button items, images, works of authorship, and other content (collectively with all information and material about Qoins, the Application, and the Products and Services, “Content”).  

PLEASE NOTE: Your access to and use of the Application is subject to these Terms of Use, as well as all applicable laws and regulations. Please read these Terms of Use carefully. If you do not accept and agree to be bound by any of these Terms of Use, you are not authorized to access or otherwise use the Application or any information, Content or Products and Services contained on the Application. Your access to and use of the Application constitutes your acceptance of and agreement to abide by each of these terms and conditions set forth below. These Terms of Use may be changed, modified, supplemented or updated by Qoins from time to time without advance notice by posting here and you will be bound by any such changed, modified, supplemented or updated Terms of Use if you continue to use the Application after such changes are posted; provided, however, that Qoins may provide notice by means of conspicuous alert or notification displayed on the Application in the case of substantial revisions. Unless otherwise indicated, any new Content, Products and Services added to the Application will also be subject to these Terms of Use effective upon the date of any such addition. You are encouraged to review the Application and these Terms of Use periodically for updates and changes.  If you are using the Application on behalf of a legal entity, you represent that you are authorized to enter into and agree to these Terms of Use on behalf of that legal entity.

If you have any questions about these Terms of Use, please contact us at (770) 765-2930.

2. Limited License and Site Access; All Rights Reserved. Use of the Application is limited to persons 18 years of age or older.  Subject to your compliance with these Terms of Use, Qoins hereby grants you a limited license to access and make personal use of these Application, but not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Qoins (e.g., downloading of PDF forms, applications, etc.). This license does not include any resale or commercial use of the Application or the Content; any derivative use of the Application or the Content; or any use of data mining, robots, or similar data gathering and extraction tools. The Application or any portion thereof may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of Qoins. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Qoins without Qoins’s express written consent. You may not use any meta-tags or any other “hidden text” utilizing any of Qoin’s name(s) or service marks without the express written consent of their owners. We (or the respective third party owners of Content) retain all right, title, and interest in the Application and any Content, features, Products and Services offered on these Application, including any and all intellectual property rights.  Any software applications available on or through the Application are licensed, not sold, to you. Qoins may assign these Terms of Use or any part of them without restrictions. You may not assign these Terms of Use or any part of them, nor transfer or sub-license your rights under this License, to any third party.  We (or the respective third party owners of Content) reserve all rights not expressly granted. Any unauthorized use terminates the permission or license granted by Qoins.

3. Availability of Products and Services. Due to offers that are limited in time or availability, certain Products and Services described on the Application may not be available to all users. EXCEPT AS EXPRESSLY STATED HEREIN, THE INFORMATION CONTAINED ON THE APPLICATION IS NOT AN OFFER TO SELL, LEASE, OR EXTEND CREDIT BY QOINS. 

The Application may provide certain summary descriptions or other helpful information regarding Products and Services. Qoins attempts to be as accurate as possible; however, any such materials are intended to generally describe the Products and Services and are subject in all respects to the specific terms and conditions of the actual Product and Service agreement to which they refer.  

4. Payment functionality. Payment functionality within the Application is provided through Qoins’ partnership with Atlantic Capital Bank (where your funds are held) and Arcus (sending payments to their destination). Qoins does not accept funds from you and will not take actual or constructive possession of any payment funds.  All payment functionality is provided by a third party. Qoins role in such transactions is to simply transmit information to the payment service providers. To use the payments functions, you will open an account with Atlantic Capital Bank, Member FDIC, through the Qoins Application. By using the Application, you agree that you have accepted Atlantic Capital Bank’s Privacy Policy and understand and agree that those agreements are incorporated into these Terms of Service by reference.  Atlantic Capital Bank’s Privacy Policy can be accessed at https://atlanticcapitalbank.com/privacy-policies,. You authorize Qoins to share your identity and account data with Atlantic Capital Bank for the purposes of opening and supporting your account, and that you are responsible for the accuracy and completeness of the information you provide. You understand and agree that you will access and manage your account through the Qoins Application, and all account notifications will be sent by Qoins as approved by Atlantic Capital Bank.

If you have any issues with a withdrawal that has been processed, suspect an incorrect or unauthorized payment, or believe there is an error, you should immediately contact Qoins at support@qoins.io. 

In the event that a payment sent using Arcus is not accepted by the recipient or is otherwise returned, the funds may be re-credited to the account you used to fund the transaction.  In the event that the intended recipient later processes the payment, you authorize Qoins to debit your account for the amount of the payment, even if the funds werepreviously re-credited to your account.   

5. Billing. Qoins charges a fee that will be assessed on a monthly basis. The monthly fee is based on your subscription level; the Qoins Lite product at $2.99 per month and Qoins Plus at $4.99 per month. All fees will be pulled via ACH from the bank account you link to Qoins. 

6. Copyright. Except as otherwise expressly stated, all Content appearing within the Application is the copyrighted work of Qoins or its third party content suppliers and is protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content is also the exclusive property of Qoins and is protected by U.S. and international copyright laws.  

You may download information from the Application and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from these Application, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of Qoins or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by Qoins. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Qoins does not warrant or represent that your use of Content, Products and Services or any other materials displayed on the Application will not infringe rights of third parties.

7. DCMA. If you believe that any Content on the Application violates or infringes upon your intellectual property rights pursuant to Title 17, United States Code, Section 512(c) (the “Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act” or “DCMA”), please notify us immediately at (770) 765-2930 with reasonably sufficient detail necessary for us to consider and respond to your complaint. We suggest that you consult your legal advisor before filing a notice or counter-notice. Also, be aware that there can be penalties for false claims. Please send copyright infringement claim notices to 79b Poplar Street NW, Atlanta, GA 30303. 

8. Trademarks and Service Marks. Certain trademarks, expressly including, but not limited to  Qoins, are the service marks and trademarks of Qoins or one of its affiliates. The domain name for these Application, all page headers, custom graphics, and button icons are service marks, trademarks, logos, and/or trade dress of Qoins. All other trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Application are the property of their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from the Application without the prior written authorization of Qoins. 

9. Privacy. Your privacy is important to us.  We maintain our enterprise wide Privacy Policy at this  as well as our Application privacy policy at this https://qoins.io/privacy (“Privacy Policy”).  We agree to use your information in accordance with our Privacy Policy and any Product and Service-specific privacy policies (collectively, the “Privacy Policies”), and you consent and acknowledge that your information may be used in accordance with our Privacy Policies.  We reserve the right to store all information transmitted via our Products and Services and to use it in accordance with our Privacy Policies.  We reserve the right to modify our Privacy Policies from time to time, effective upon posting the revised version on the Website or within the Mobile App.  We encourage you to periodically check the Website and Mobile App for updates.  If you disagree with anything in our Privacy Policies, you should discontinue using our Products and Services and contact us to deactivate your account.

10. Connection Requirements. You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use these Application, and Qoins reserves the right to change the access configuration of the Application at any time without prior notice.

11. Accounts. In order to access certain content or features of the Application, you may be required to register with Qoins and create an account. You must not use domain names or web URLs in your username. Your account gives you access to certain portions of the Application and functionality that Qoins may establish and maintain from time to time and in its sole discretion. By providing Qoins your email address you consent to our using the email address to send you notices related to the Application, including any notices required by law, in lieu of communication by postal mail. We may also use your email address to send you other messages, such as changes to features of the Application and special offers. If you do not want to receive such email messages, you may opt out or change your preferences by phoning (770) 765-2930, or by writing to us at Support@qoins.io. Opting out may prevent you from receiving email messages regarding updates, improvements, or offers.  Opting out of receiving messages about updates, improvements, or offers will not prevent you from receiving messages about your account, notices regarding your account, or notices regarding the Application.  If you wish to discontinue receiving these messages you should discontinue using our Products and Services and contact us to deactivate your account.

You are responsible for any activity that occurs through your account and you agree you will not sell, transfer, license or assign your account, username, or any account rights. Qoins prohibits the creation of and you agree that you will not create an account for anyone other than yourself. You also represent that all information you provide or provided to Qoins upon registration and at all other times will be true, accurate, current and complete and you agree to update your information as necessary to maintain its truth and accuracy. Do not provide your password to any other person or use any other person’s username and password. You must notify Qoins immediately of any breach of security or unauthorized use of your account. Qoins will not be liable for any losses caused by any unauthorized use of your account.

12. Prohibited Use. Any use or attempted use of the Application (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) interfere with any other party’s use and enjoyment of the Application, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by Qoins to be made accessible to a user, or (vi) attempt to obtain any materials or information through any means not intentionally made available by Qoins, or (vii) any use other than the business purpose for which it was intended, is prohibited. 

In addition, in connection with your use of the Application, you agree you will not:

1. Upload or transmit any message, information, data, text, software or images, or other content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another’s right of privacy or publicity;

2. Create a false identity for the purpose of misleading others or impersonate any person or entity, including, without limitation, any Qoins representative, or falsely state or otherwise misrepresent your affiliation with a person or entity; 

3. Upload or transmit any material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements); 

4. Upload files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or property of another;

5. Delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature; 

6. Use the Application’s communication features in a manner that adversely affects the availability of its resources to other users (e.g., excessive shouting, use of all caps, or flooding continuous posting of repetitive text); 

7. Upload or transmit any unsolicited advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other form of solicitation, commercial or otherwise;

8. Violate any applicable local, state, national or international law;

9. Upload or transmit any material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party;

10. Delete or revise any material posted by any other person or entity;

11. Manipulate or otherwise display the Application by using framing, mirroring or similar navigational technology or directly link to any portion of the Application other than the main homepage, in accordance with the Limited License and Site Access outlined above; 

12. Probe, scan, test the vulnerability of or breach the authentication measures of, the Application or any related networks or systems;

13. Register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Products and Services or any contests, promotions or sweepstakes if you are not expressly authorized by such party to do so;

14. Harvest or otherwise collect information about others, including e-mail addresses; or

15. Use any robot, spider, scraper, or other automated or manual means to access this Application, or copy any content or information on these Applications.

Qoins reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including, without limitation, the suspension or termination of the user’s access and/or account. Qoins may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Except as may be expressly limited by the Privacy Statement and Notice of Privacy Practices, Qoins reserves the right at all times to disclose any information as Qoins deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Qoins’ sole discretion.  

13. Right to Monitor. Qoins neither actively monitors general use of the Application under normal circumstances nor exercises editorial control over the content of any third party’s Application, e-mail transmission, news group, or other material created or accessible over or through these Application. However, Qoins does reserve the right to monitor such use at any time as it deems appropriate and to remove any materials that, in Qoins' sole discretion, may be illegal, may subject Qoins to liability, may violate these Terms of Use, or are, in the sole discretion of Qoins, inconsistent with Qoins’ purpose for these Application.

14. No Qoins Editorial Control of Third Party Content; No Statement as to Accuracy. To the extent that any of the Content included in the Application is provided by third party content providers or other Application users, Qoins has no editorial control or responsibility over such Content. Therefore, any opinions, statements, products, services or other information expressed or made available by third party suppliers or users on the Application are those of such third party suppliers or users, respectively. Qoins does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the Content displayed on the Application or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with Qoins.

15. Links to Third Party Application. The Application may contain hyperlinks to other sites owned and operated by parties other than Qoins. Such hyperlinks are provided only for ready reference and ease of use. We do not control such websites and cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event the Application provide hyperlinks to other websites that are not owned, operated or maintained by Qoins, you acknowledge and agree Qoins is not responsible for and is not liable for the content, products, services or other materials on or available from such websites.  We accept no liability for any information, products, advertisements, content, services or software accessible through these third party websites or for any action you may take as a result of linking to any such website. Any such websites are likely to set forth specific terms of use and privacy policies that you should review. Qoins is under no obligation to maintain any link on the Application and may remove a link at any time in its sole discretion for any reason whatsoever. Qoins shall not be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such website. Qoins is not responsible for the privacy practices of any other websites. 

16. Communications by Electronic Messaging and Email. Conventional email is not a secure method of communication over the Internet, and we recommend that you not send confidential or private information to us by conventional email.  An electronic message sent by you will not be immediately received by us. No action will be taken based on an electronic message you send to Qoins until Qoins has actually received your message and has a reasonable opportunity to respond to it. Qoins may take action based on an email but may not if it suspects that the email is fraudulent or if Qoins cannot verify your identity. If you need to contact us immediately, please call us at (770) 765-2930. There may be limitations on your use of electronic messaging from time to time and for certain transactions.

The following provisions apply to communications by email: 

You acknowledge and agree that information communicated via email to or from us may include information related to any or all Services we feel may be of interest to you;

You acknowledge and agree that you have been advised of and understand the risks of using email and that Qoins is unable to guarantee the authenticity, privacy, or accuracy of  information received or sent by email or to monitor the authorization of persons using your email address to send or receive information;

If you receive information from Qoins via email that you believe is intended for another recipient, you agree to immediately return the information to Qoins and delete the communication;

You agree that certain information communicated by Qoins to you may be confidential in nature. You agree to maintain the confidentiality of such information and to refrain from sharing the information with any other person or entity  or form using the information for any non-permitted purpose or for any purpose which is not related to your financial relationship with us:

In the event that you believe an unauthorized person has gained access to your email account, you agree to immediately notify Qoins so that Qoins can cease communication of information to you via email until you and Qoins take measures to protect your financial information;

Having acknowledged the risks associated with communicating financial information via email, you (i) agree that Qoins has no obligation to monitor or investigate the use of your email account, or the source of any email communication received from you bearing your email address, (ii) release Qoins from any claim or liability arising from or in connection with any communications sent or received using email, and (iii) agree to indemnify Qoins from all claims, losses, expenses, or liability arising from or connected in any way with the use of email as contemplated by these Terms of Use;

To the extent that any other agreement between you and Qoins requires Qoins to provide you with written notice to a particular address regarding any matter, you agree that these provision regarding the use of email do not displace or modify any such requirement for a written notice, and that you agree to comply with any requirement for a written notice without reference to these provisions regarding the use of email. 

17. Disclaimer. Content and other information contained within the Application has been prepared by Qoins as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. Qoins has used reasonable efforts in collecting, preparing and providing quality information and material, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the Content or other information contained in or linked to the Application or any other Application maintained by Qoins. Users relying on Content or other information from the Application do so at their own risk. 

The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the relevant product or services agreement for complete terms and conditions. Should you purchase a product or service from Qoins or a third party, the terms and conditions applicable to that transaction will govern such entry or purchase, as applicable, and your use of the Application does not affect that purchase in any manner.  

YOUR USE OF THE APPLICATION IS AT YOUR SOLE RISK. ALL CONTENT, PRODUCTS AND SERVICES ARE PROVIDED ON AN “AS IS” OR “AS AVAILABLE” BASIS, AND QOINS EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SATISFACTORY QUALITY, TIMELY, ACCURATE, OR ERROR-FREE OPERATION, OR FREEDOM FROM COMPUTER VIRUS OR MALICIOUS CODE. COMPANY MAKES NO WARRANTY THAT THE CONTENT IS ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.  

18. Limitation of Liability.  

YOU UNDERSTAND AND AGREE THAT QOINS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES THAT ARE DIRECTLY OR INDIRECTLY RELATED TO: (A) THE APPLICATION; (B) ANY ACTION TAKEN IN CONNECTION WITH AN INVESTIGATION BY LAW ENFORCEMENT AUTHORITIES REGARDING YOUR OR ANY OTHER PARTY’S USE OF THE APPLICATION; (C) ANY ACTION TAKEN IN CONNECTION WITH COPYRIGHT OR OTHER INTELLECTUAL PROPERTY OWNERS; (D) ANY ERRORS OR OMISSIONS IN THE APPLICATION’S OPERATION; OR (E) ANY DAMAGE TO ANY USER’S COMPUTER, MOBILE DEVICE, OR OTHER EQUIPMENT OR TECHNOLOGY INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF QOINS HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE APPLICATION, PRODUCTS AND SERVICES OR CONTENT, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS AND SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS, OR STATEMENTS OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THE APPLICATION, PRODUCTS AND SERVICES OR CONTENT, EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE APPLICATION IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE QOINS AND ITS AFFILIATES DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE APPLICATION.

OUR TOTAL LIABILITY TO YOU FROM ALL CAUSES OF ACTION AND UNDER ALL THEORIES WILL BE LIMITED TO THE AMOUNT YOU HAVE PAID FOR THE USE OF THE APPLICATION, IF ANY, AND IF YOU HAVE PAID NO AMOUNT, THEN $50.  YOU ALSO ACKNOWLEDGE AND AGREE THAT YOU HAVE VIEWED OR USED THE APPLICATION WITH A FULL UNDERSTANDING OF THE LIMITATION OF OUR LIABILITY IN THIS AGREEMENT.
 

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS. 

19. Indemnification.
You agree to defend, indemnify, and hold harmless Qoins, its affiliates, its contractors, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns, accountants, and attorneys from and against any and all suits, actions, claims, proceedings, damages, settlements, judgments, injuries, liabilities, obligations, losses, risks, costs, and expenses (including, without limitation, attorneys’ fees and litigation expenses) relating to or arising from these Application, your use of these Application, your fraud, violation of law, or willful misconduct, and any breach by you of these Terms of Use.  

20. Notices. Any notices to you from Qoins regarding the Application or these Terms of Use will be posted on the Application or made by email.

21. Electronic Communications. When you visit the Application or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting on the Application. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You further agree that any notices provided to us electronically are deemed to be given and received on the date we transmit such electronic communication as described in these Terms of Use. 

22. General Provisions. 

a. Entire Agreement. These Terms of Use, the Privacy Policy, other Privacy Policies, terms specific to certain Products and Services, and other policies Qoins may post on the Application constitutes the entire agreement between Qoins and you in connection with your use of the Application and the Content, and supersedes any prior agreements between Qoins and you regarding the use of the Application, including prior versions of these Terms of Use.  Terms specific to a specific Product and Service offering will control over these Terms of Use, if there is a conflict.  Otherwise, these Terms of Use shall control over other agreements.

b. Governing Law; Jurisdiction; Venue; Severability of Provisions. The Terms of Use are governed by the laws of the State of Georgia, in the United States of America and controlling United States Federal Law without regard to any conflicts of law provisions. Any legal proceedings arising from or relating to: (i) these Terms of Use, (ii) your enrollment in the Application or establishment of an account with Qoins, (iii) your use of the Application, or (iv) the Content or Products and Services shall be brought exclusively in the Federal and State Courts encompassing Atlanta, Georgia, and the parties hereby consent to the personal jurisdiction and venue of such courts. All parts of these Terms of Use apply to the maximum extent permitted by law. We both agree that if any provision of these Terms of Use is found by a court of competent jurisdiction to be unenforceable as written, then that part will be replaced with terms that most closely match the intent of the unenforceable provision to the extent permitted by law. The invalidity of part of these Terms of Use will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience and do not have any force or effect.

c. No Agency Relationship. Neither these Terms of Use, nor any Content, materials, features, or Products and Services of the Application create any partnership, joint venture, employment, or other agency relationship between us. You may not enter into any contract on our behalf or bind us in any way.

d. Time Limitation on Claims. You agree that any claim you may have arising out of or related to your use of the Application or your relationship with Qoins must be filed within one year after such claim arose; otherwise, your claim is permanently barred.

e. Remedies. You agree that any violation, or threatened violation, by you of these Terms of Use constitutes an unlawful and unfair business practice that will cause us irreparable and unquantifiable harm. You also agree that monetary damages would be inadequate for such harm and consent to our obtaining any injunctive or equitable relief that we deem necessary or appropriate. These remedies are in addition to any other remedies we may have at law or in equity.

23. Contacting Us. If you have any questions or concerns about these Terms of Use, please contact us at support@qoins.io or at the mailing address provided below. We will attempt to respond to your questions or concerns promptly after we receive them. 

151 Ted Turner Dr NW, Atlanta, GA 30303

© 2021 Qoins Technologies, Inc. All Rights Reserved

Qoins Visa® Debit card is issued by Evolve Bank & Trust, Member FDIC. Pursuant to a license from Visa U.S.A. Inc. Card is a prepaid debit card. Card can be used everywhere Visa debit cards are accepted.

*Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.