Terms of Service

1. Acceptance of Terms

By accessing and using the Fellow website (the "Service"), you accept and agree to be bound by the terms and provision of this agreement.

2. Description of Service

Fellow provides a platform for seamless financial asset movement. The service connects traditional banking, digital payments, and decentralized finance through instant settlement technology and simple interfaces. The service may include various features and functionalities that are subject to these terms.

3. User Accounts

3.1 Registration

To access certain features of our Service, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process.

3.2 Account Security

You are responsible for safeguarding the password and all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account.

4. Acceptable Use

4.1 Permitted Use

You may use our Service only for lawful purposes and in accordance with these Terms.

4.2 Prohibited Activities

You agree not to:

• Use the Service for any unlawful purpose or to solicit others to engage in unlawful activities
• Violate any international, federal, provincial, or local laws or regulations
• Transmit or distribute viruses, malware, or other harmful code
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Service or servers connected to the Service
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

5. Intellectual Property Rights

5.1 Service Content

The Service and its original content, features, and functionality are and will remain the exclusive property of Fellow and its licensors. The Service is protected by copyright, trademark, and other laws.

5.2 User Content

You retain ownership of any content you submit to the Service. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and distribute your content in connection with the Service.

6. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

7. Termination

7.1 Termination by You

You may terminate your account at any time by contacting us or using the account termination feature in the Service.

7.2 Termination by Us

We may terminate or suspend your account and access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

8. Disclaimers

8.1 Service "As Is"

The Service is provided on an "as is" and "as available" basis. We disclaim all warranties, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8.2 No Guarantee

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, or that defects will be corrected.

9. Limitation of Liability

In no event shall Fellow, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

10. Indemnification

You agree to defend, indemnify, and hold harmless Fellow and its affiliates from and against any claims, damages, costs, and expenses (including attorneys' fees) arising from or related to your use of the Service or violation of these Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

12. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in New York, New York.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

15. Contact Information

If you have any questions about these Terms, please contact us at:

Email: hello@fellow.money