Terms of service

Terms of Service

Effective: 15 July 2023

Welcome to Voltage Finance. doing business as Voltage or Volt DeFi or Volt App, a company registered in Singapore at 3 Fraser Street #05-25 Duo Tower, Singapore 189352 under the name FuseFi foundation LTD (“we”, “us”, or “our”) who owns and operates the website located at voltage.finance as well as the mobile application Volt DeFi App (the "App"), as well as any other related products and services that refer or link to these terms (the “Website” and collectively with any connected software, mobile application or other products the “Site and App”).

By accessing or using our services (the "Service") made available through our Site and App, you agree to be bound by these terms of service ("Terms"). You agree to use the Site and App and the Service in compliance with all applicable law. Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service. If you do not agree to be bound by these Terms of Service, do not access or use the Service. Your access to and use of the Service is also conditioned on your acceptance of and compliance with our Privacy Policy.

WE ARE NOT RESPONSIBLE FOR ANY LOSSES, OTHER HARM OR LIABILITIES INCURRED AS A RESULT OF USING OUR SERVICE. YOU ACCEPT ALL LIABILITY RESULTING FROM YOUR INVESTMENT DECISIONS. ALL INVESTMENTS ENTAIL A RISK OF LOSS AND YOU MAY LOSE MONEY.

Summary

• Voltage provides educational content about Crypto and Decentralized Finance (DeFi) including but not limited to crypto assets, blockchains, protocols and liquidity pools.

• Voltage may provide you the opportunity to purchase certain DeFi digital assets from our Site and /or App (Volt).

• • Voltage may provide you the opportunity to purchase certain DeFi digital assets from our Site and /or App (Volt).

  • Your access and use of the information provided by Voltage and on the Site and App is for educational purposes only and you agree that nothing contained herein constitutes an offer or solicitation to buy or sell any financial products, including the sale of DeFi digital assets via the Site and App. Voltage does not provide investment or financial advice. You are responsible for your own due diligence, investment research and investment decisions.

  • The data we provide including but not limited to yield, assets, pool, protocol and blockchain information may not be accurate or complete, and you should not rely on it as such. You understand that you are using any and all information available here at your own risk.

  • You cannot copy or remarket Voltage content or information. You may however publish it on your website, blog posts, twitter or other forums as long as you add clear attribution to Voltage and a link back to Voltage.finance.

  • You will only use the Service if it complies with all laws that apply to you. We can't and won't be responsible for your using the Service in any way that breaks the law.

  No Offer, Investment or Tax Advice

  You acknowledge and agree that your access and use of the information provided by Voltage and on the Site and App is for educational purposes only and that nothing contained herein constitutes an offer or solicitation to buy or sell any financial products, including the sale of DeFi digital assets via the Site and App. Neither Voltage nor any of its affiliates acts as your broker. It does not constitute any form of advice or recommendation to buy or sell any assets or adopt any strategy mentioned. It is intended only to provide observations and views of the author(s) at the time of writing, both of which are subject to change at any time without prior notice. The information provided does not have regard to the specific objectives or particular needs of any specific person who may read it, and you should determine for yourself whether a particular service or product is suitable for your needs or whether you should seek professional advice for your particular situation. Neither Voltage nor its affiliates provide any tax advice. You are responsible for paying all taxes associated with the digital assets you purchase and sell via the Site and App.

  Any reference to a particular company, blockchain, protocol, asset or pool is not an endorsement by Voltage of that company, blockchain, protocol, asset or pool or a recommendation by Voltage to purchase or sell such pool or asset.

  The Service is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of the Service is prohibited. Persons in respect of whom such prohibitions apply must not access the Service.

  Service Partners

  We may in the future permit you to connect your account with Voltage to other products and services offered by other third parties. Such services will be subject to the terms and conditions governing such service and Voltage makes no representations or warranties with respect to such products and services. No inference should be made regarding the capabilities of such products and services on the basis that Voltage has permitted to connect your account.

  Identity Verification

  IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

  To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each individual or entity that opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

  During account opening, or at any other time deemed necessary by Voltage, you agree to provide us with the information we request for the purposes of identity verification and compliance with the law and permit us to keep a record of such information. You consent to us accessing, processing and retaining any personal information you provide to us for these purposes. You can withdraw your consent at any time by closing your account with us. However, we may retain and continue to process your personal information if we reasonably believe it is necessary in order to comply with laws or regulations. In providing us with this or any other information that may be required, you confirm that the information is accurate and authentic. You agree to keep us updated if any of the information you provide changes. You authorize us to make inquiries and disclosures, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud or other financial crime, and to take action we reasonably 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 credit reference and fraud prevention or financial crime agencies and that these agencies may respond to our inquiries in full. This is an identity check only and should have no adverse effect on your credit rating. We reserve the right at all times to monitor, review, retain and/or disclose any information as necessary to satisfy any applicable law, regulation, sanctions programs, legal process or governmental request. Further, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Voltage or its service provider, solely to help them identify you or your wireless device and to prevent fraud.

  Digital Asset Purchases and Sales

  RISK DISCLOSURE

  As with any asset, the value of digital assets can increase or decrease and there can be a substantial risk that you lose money buying, selling, holding, or investing in digital assets. There is no guarantee of any return on any such assets, regardless of whether any such asset has a yield generation component. Digital assets are complex, are subject to decentralized governance, and can be locked from purchase, sale or transfer for extended periods of time. You should consult your financial advisor, legal or tax professional regarding your specific situation and financial condition and carefully consider whether trading or holding digital assets is suitable for you.

  DIGITAL ASSET PURCHASES AND SALES AVAILABLE ON THE SITE AND APP ARE CURRENTLY IN BETA FORM. AS SUCH, THIS AVAILABILITY MAY BE MODIFIED OR DOWNGRADED WITHOUT NOTICE.

  Access to digital asset sales and purchase may become degraded or unavailable during times of significant volatility or volume. This could result in significant support response time delays. Although we strive to provide you with excellent service, we do not represent that the Site and App or these purchase and sale services will be available without interruption and we do not guarantee that any order will be executed, accepted, recorded, or remain open. Voltage is not liable for any losses resulting from or arising out of delays in processing transactions, inability to execute transactions, or lack of timely response from Voltage customer support.

  ACCOUNT

  If you elect to make any digital asset purchases on the Site and App, you must first fund a digital asset wallet with assets supported by Voltage (supported assets are also available for review within the Funds Wallet screen prior to funding) required for purchase (“Funds Wallet”). You are solely responsible for executing these transactions properly. Do not attempt to use the Funds Wallet to store, send, request, or receive any assets other than assets supported by Voltage. If you do so these funds may be lost and irretrievable. Voltage is not responsible in connection with any attempt to use your Funds Wallet with any other asset. You acknowledge and agree that Voltage is not liable for any other assets sent to your Funds Wallet. You may be given the option to onboard funds either via sending funds yourself to your Funds Wallet or through a third party Service Partner (see “Service Partners” above). Voltage provides the Funds Wallet to you under these Terms. Voltage does not act as your fiduciary with respect to the Funds Wallet. You hold title to the Funds Wallet and the digital assets held in this wallet, and have full control over the Funds Wallet. Voltage has no right to do anything with these assets without your direction, including hypothecating these assets or lending any of these assets. Subject to our and your compliance with law, via the Site you may direct Voltage to send these digital assets at any time to any digital asset wallet address or otherwise sell your digital assets.

  When you purchase digital assets from Voltage via the Site and App, Voltage establishes a digital asset account in your name to hold such assets (“Asset Account”). Voltage provides the Asset Account to you under these Terms. Voltage does not act as your fiduciary with respect to the Asset Account. Voltage does not have the right to do anything with these assets without your direction, including hypothecating these assets or lending any of these assets. You hold title to the Asset Account and the digital assets held in the Asset Account, and have full control over the Asset Account. You assume all risk of loss of any such sends and sales. You will be able to see your Funds Wallet and Asset Account balances using the Site and App. You can also see your transaction history using the Site or App.

  NO WARRANTY OR GUARANTEE

  Voltage makes no warranty or guarantee regarding any digital asset it sells. Voltage does not own or control the underlying software protocols which govern the operation of these digital assets. Generally, the underlying protocols are open source, and anyone can use, copy, modify, and distribute them. Voltage does not assume any responsibility for the operation of the underlying protocols and do not guarantee the functionality or security of network operations. When you purchase a digital asset from Voltage you assume all risk of loss of such digital asset, including the operation of the underlying protocol and/or blockchain on which the digital asset operates and any third party actions taken on, against, or associated with such protocol and/or blockchain.

  TRANSFERS

  When you send digital assets from your Funds Wallet and the Asset Account to an external wallet, such transfers are executed at your instruction by Voltage. You should verify all transaction information prior to submitting instructions. We recommend that you send a small amount of digital assets as a test prior to sending a significant amount of digital assets. Once a transaction has been submitted by us per your instruction to the applicable digital asset network, it is irreversible and indicated as “Processing” in your account. Voltage does not bear any liability or responsibility in the event you enter incorrect destination information or if you send your digital assets to an incompatible wallet.

  You will receive a receipt and confirmation of each transfer via the email registered to your account and viewable in your account on the Site or App. This receipt will include a scheduled processing timeline. Transfers are processed within this processing timeline. The status of your transfer is viewable at any time from your account on the Site or App. You may cancel your transfer at any time prior to Processing. After it is Processing, your transfer cannot be canceled or reversed.

  Mobile Application License

  Use License

  If you access the Services via the App, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, and to access and use the App on such devices strictly in accordance with the terms and conditions of this mobile application license contained in these Legal Terms. You shall not: (1) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App; (2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App; (3) violate any applicable laws, rules, or regulations in connection with your access or use of the App; (4) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the App; (5) use the App for any revenue-generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended; (6) make the App available over a network or other environment permitting access or use by multiple devices or users at the same time; (7) use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App; (8) use the App to send automated queries to any website or to send any unsolicited commercial email; or (9) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the App.

  Apple and Android Devices

  The following terms apply when you use the App obtained from either the Apple Store or Google Play (each an "App Distributor") to access the Services: (1) the license granted to you for our App is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS or Android operating systems, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor’s terms of service; (2) we are responsible for providing any maintenance and support services with respect to the App as specified in the terms and conditions of this mobile application license contained in these Legal Terms or as otherwise required under applicable law, and you acknowledge that each App Distributor has no obligation whatsoever to furnish any maintenance and support services with respect to the App; (3) in the event of any failure of the App to conform to any applicable warranty, you may notify the applicable App Distributor, and the App Distributor, in accordance with its terms and policies, may refund the purchase price, if any, paid for the App, and to the maximum extent permitted by applicable law, the App Distributor will have no other warranty obligation whatsoever with respect to the App; (4) you represent and warrant that (i) you are not located in a country that is subject to a US government embargo, or that has been designated by the US government as a "terrorist supporting" country and (ii) you are not listed on any US government list of prohibited or restricted parties; (5) you must comply with applicable third-party terms of agreement when using the App, e.g., if you have a VoIP application, then you must not be in violation of their wireless data service agreement when using the App; and (6) you acknowledge and agree that the App Distributors are third-party beneficiaries of the terms and conditions in this mobile application license contained in these Legal Terms, and that each App Distributor will have the right (and will be deemed to have accepted the right) to enforce the terms and conditions in this mobile application license contained in these Legal Terms against you as a third-party beneficiary thereof.

  Data Protection and Security

  Data privacy, data protection and security are of primary importance to Voltage . You acknowledge that we may process personal data in relation to you, and personal data that you have provided or in the future provide to us, in connection with this Agreement, or the Services. Accordingly, you represent and warrant that: (i) your disclosure to us of any personal data is accurate, up to date and relevant when disclosed; (ii) before providing any such personal data to us, you have read and understood our Privacy Policy; and (iii) if from time to time we provide you with a replacement version of the Privacy Policy, you will promptly read that notice. If you suspect that your Voltage account or any of your security details have been compromised or if you become aware of any fraud or attempted fraud or any other security incident (including a cyber-security attack) affecting you and/or Voltage (collectively a "Security Breach"), you must notify Voltage support immediately at https://t.me/voltage_finance or by emailing [e-mail] and provide accurate and up to date information throughout the duration of the Security Breach. You must take any steps that we reasonably require to reduce or manage any Security Breach. Prompt reporting of a Security Breach does not guarantee that Voltage will reimburse you for any losses suffered or be liable to you for any losses suffered as a result of the Security Breach. Regardless of any such reporting, Voltage has no responsibility or liability for any Security Breach that occurs through no fault of Voltage. We shall not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from Voltage . Always log into your Voltage account(s) through the Site or App to review any transactions or required actions if you have any uncertainty regarding the authenticity of any communication or notice.

  Promotions

  Any promotions made available through the Service may be governed by rules that are separate from these Terms.

  If you participate in any promotions, please review the applicable rules as well as our Privacy Policy. If the rules for a promotion conflict with these Terms, the promotion rules will apply.

  Minors

  You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

  User Accounts

  When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

  You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party social media service.

  You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

  You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you without appropriate authorization.

  Prohibited Activities

  • You agree that you will not solicit, collect or use the login credentials of other Voltage users.

  • You may not use the Service for any illegal or unauthorized purpose. You agree to comply with all laws, rules and regulations (for example, federal, state, local and provincial) applicable to your use of the Service, including but not limited to, copyright laws.

  • You must not encourage or facilitate violations of these Terms of Service.

  • You must not create accounts with the Service or extract data through unauthorized means, including but not limited to, by using an automated system, script, bot, spider, crawler or scraper.

  • You must not impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity.

  • You must not change, modify, adapt or alter the Service or change, modify or alter another website so as to falsely imply that it is associated with the Service or Voltage .

  • You must not reverse engineer any aspect of the Service.

  • You must not send or store materials containing software viruses, worms, spyware, malware or other harmful computer code, files, scripts, agents or programs. You may not interfere with or disrupt the integrity or performance of the Service or attempt to gain unauthorized access to the Service or its related systems or networks.

  • You must not infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party.

  • You agree you will not buy, sell, rent, lease, or otherwise offer in exchange for any compensation, access to your Voltage account.

  Violation of these Terms of Service may, in Voltage’s sole discretion, result in termination, suspension, or restriction of your Voltage account. If you violate the letter or spirit of these Terms of Service, or otherwise create risk or possible legal exposure for Voltage, or if Voltage determines there are legal or security risks independent of any of your actions or omissions, we can stop providing all or part of the Service to you, either on a temporary or permanent basis.

  Copyright Policy

  Intellectual Property Infringement

  We respect the intellectual property rights of others. It is our policy to respond to any claim that content posted on the Service infringes a copyright or other intellectual property infringement of any person.

  If you are a copyright owner, or authorized on behalf of one, and you believe that the copyrighted work has been copied in a way that constitutes copyright infringement that is taking place through the Service, you must submit Your notice in writing to the attention of our copyright agent via email at [e-mail] and include in your notice a detailed description of the alleged infringement.

  You may be held accountable for damages (including costs and attorneys' fees) for misrepresenting that any content is infringing your copyright.

  Content

  As between Voltage and you, Voltage is the sole and exclusive owner of all right, title and interest in and to the Site and App and its content, features and functionality (including, without limitation, all information, software, text, displays, images, video, audio, design, selection, arrangement and look and feel), other Content, and all intellectual property rights therein, and any suggestions, ideas or other feedback provided by you. You are not permitted to reproduce, publish, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, sell or participate in any sale of, or exploit in any way, in whole or in part, any of the material on our Site and App except as generally and ordinarily permitted through the Site and App according to these Terms of Service. Any copy, modification, revision, enhancement, adaptation, translation, or derivative work of the Site and App or Content shall be owned solely and exclusively by Voltage or its licensors, including all intellectual property rights therein. You may not access or use for any commercial purposes any part of the Site and App or Content.

  You may publish Content on your website, blog posts, twitter or other forums as long as you add clear attribution to Voltage and a link back to Voltage.finance or Volt App.

  Intellectual Property

  The Service and its original content (excluding content provided by you or other users), features and functionality are and will remain the exclusive property of the Company and its licensors.

  The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.

  Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

  Your Feedback to Us

  You assign all rights, title and interest in any Feedback you provide the Company. If for any reason such assignment is ineffective, you agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction.

  Links to Other Websites

  Our Service contains links to third-party websites or services that are not owned or controlled by the Company.

  The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites or services.

  We strongly advise you to read the Terms of Service and Privacy Policies of any third-party web sites or services that you visit.

  Termination

  We may terminate or suspend your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Service.

  Upon termination, your right to use the Service will cease immediately. If you wish to terminate your Account, you may simply discontinue using the Service.

  Limitation of Liability

  Notwithstanding any damages that you might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by you through the Service or $100 if you haven't purchased anything through the Service.

  To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

  Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

  "AS IS" and "AS AVAILABLE" Disclaimer

  The Service is provided to you "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

  Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

  Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

  Indemnification

  You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

  Customer Support; Disputes Resolution

  If you have feedback, or general questions, contact us via our support webpage at https://t.me/voltage_finance. If you have any concern or dispute about the Service, you agree to first try to resolve the dispute informally by contacting the Company.

  Governing Law

  These Legal Terms shall be governed by and defined following the laws of Singapore. FuseFi foundation LTD. and yourself irrevocably consent that the courts of Singapore shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these Legal Terms.

  Dispute Resolution

  Informal Negotiations

  To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least 90 days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

  Binding Arbitration

  Any dispute arising out of or in connection with these Legal Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by the International Commercial Arbitration Court under the European Arbitration Chamber (Belgium, Brussels, Avenue Louise, 146) according to the Rules of this ICAC, which, as a result of referring to it, is considered as the part of this clause. The number of arbitrators shall be 3. The seat, or legal place, or arbitration shall be Singapore. The language of the proceedings shall be english. The governing law of these Legal Terms shall be substantive law of Singapore.

  Restrictions

  The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

  Exceptions to Informal Negotiations and Arbitration

  The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

  Class Action Waiver

  You agree that any arbitration or proceeding shall be limited to the Dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any Dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS CUSTOMER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

  United States Legal Compliance

  You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

  Severability and Waiver

  Severability

  If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

  Waiver

  Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

  Translation Interpretation

  These Terms of Service may have been translated if we have made them available to you on our Service. You agree that the original English text shall prevail in the case of a dispute.

  Corrections

  There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

  Changes to These Terms of Service

  We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the Site and App and the Service.

  Entire Agreement

  These Terms of Service constitute the entire agreement between you and Voltage and govern your use of the Service, superseding any prior agreements between you and Voltage.

  Contact Us

  In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

  FuseFi foundation LTD.

  3 Fraser Street #05-25 Duo Tower

  Singapore 189352

  Singapore

  Phone: [phone]

  [e-mail]**