NOTICE ON PROHIBITED USE – RESTRICTED PERSONS: THE SERVICES ARE NOT OFFERED TO AND MAY NOT BE USED BY PERSONS OR ENTITIES WHO: (A) RESIDE IN, ARE CITIZENS OF, ARE LOCATED IN, ARE INCORPORATED IN, OR HAVE A REGISTERED OFFICE IN ANY STATE, COUNTRY OR OTHER JURISDICTION THAT IS DESIGNATED BY THE U.S. SECRETARY OF STATE AS A COUNTRY SUPPORTING INTERNATIONAL TERRORISM, OR THAT IS SUBJECT TO ECONOMIC SANCTIONS SUCH THAT U.S. NATIONALS CANNOT LAWFULLY ENGAGE IN TRANSACTIONS AS DESIGNATED BY THE OFFICE OF FOREIGN ASSETS CONTROL (OFAC) (EACH SUCH JURISDICTION, A “RESTRICTED JURISDICTION”); OR (B) LISTED ON THE OFAC SPECIALLY DESIGNATED NATIONALS, BLOCKED PERSONS LIST, OR ANY OTHER CONSOLIDATED PROHIBITED PERSONS LIST AS DETERMINED BY ANY APPLICABLE GOVERNMENTAL AUTHORITY (EACH SUCH PERSON OR ENTITY, A “RESTRICTED PERSON”). WE DO NOT MAKE EXCEPTIONS. THEREFORE, IF YOU ARE A RESTRICTED PERSON, YOU ARE NOT PERMITTED TO, AND DO NOT ATTEMPT TO, USE THE SERVICES. USE OF A SCHEME OR MEAN (E.G., A VIRTUAL PRIVATE NETWORK), WHETHER DIRECT OR INDIRECT, THAT IS INTENDED OR REASONABLY LIKELY TO CIRCUMVENT THE RESTRICTIONS SET FORTH HEREIN IS PROHIBITED.
IMPORTANT NOTICE REGARDING ARBITRATION: WHEN YOU AGREE TO THESE TERMS YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND LFE THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY SECTION 16 “DISPUTE RESOLUTION” BELOW FOR DETAILS REGARDING ARBITRATION. HOWEVER, IF YOU ARE A RESIDENT OF A JURISDICTION WHERE APPLICABLE LAW PROHIBITS ARBITRATION OF DISPUTES, THE AGREEMENT TO ARBITRATE IN SECTION 16 WILL NOT APPLY TO YOU BUT THE PROVISIONS OF SECTION 15 (GOVERNING LAW AND FORUM CHOICE) WILL STILL APPLY.
1. Agreement to Terms.
To use the Services, you must agree to these Terms.
By using our Services, you agree to be bound by these Terms. If you do not agree to be bound by these Terms, do not use the Services.
3. Changes to these Terms or the Services.
The Services and these Terms are subject to change from time to time.
We may update the Terms from time to time in our sole discretion. If we do, we will let you know by posting the updated Terms to the App and/or may also send other communications. It is important that you review the Terms whenever we update them or you use the Services. If you continue to use the Services after we have posted updated Terms it means that you accept and agree to the changes. If you do not agree to be bound by the changes, you may not use the Services anymore. Because our Services are evolving over time we may change or discontinue all or any part of the Services, at any time and without notice, at our sole discretion.
4. Who can use of the Services.
There are some restrictions on who can use the Services.
You may use the Services only if you are 18 years or older and capable of forming a binding contract with LFE, and not otherwise barred from using the Services under these Terms or applicable law.
You certify that you will comply with all applicable laws when using the Services. Without limiting the foregoing, by using the Services, you represent and warrant that you are not a Restricted Person and do not reside in a Restricted Territory. If you access or use the Services outside the United States, you are solely responsible for ensuring that your access and use of the Services in such country, territory or jurisdiction does not violate any applicable law. You must not use any software or networking techniques, including use of a Virtual Private Network (VPN) to modify your internet protocol address or otherwise circumvent or attempt to circumvent this prohibition. We reserve the right, but have no obligation, to monitor the access to the Services. Furthermore, we reserve the right, at any time, in our sole discretion, to block access to the Services, in whole or in part, from any geographic location, IP address, or unique device identifier, or to any user who we believe is in breach of these Terms.
5. Use of the Services.
You must create (or import) an Ethereum blockchain Account to use the Services. You are responsible for safekeeping your Account Credentials and for all activities that occur in connection with your Account. We do not store your Account Credentials.
Account. To use the Services, you will need to create a public address (in other words, an unhosted wallet) on the Ethereum blockchain (“Account”) via the Services or import the public/private key pair controlling an existing wallet to your Account. When you create an Account, the Services will generate a twelve-word recovery phrase (“Recovery Phrase”), which is a mnemonic that can be used to generate the private key you will use to control the digital assets held in your Account. You should save your Recovery Phrase in a safe place that only you can access. If you import a private key controlling an existing Account, then the Services will store on your device an encrypted copy of your private key, which can be decrypted by you by using your password associated with your device (“Password”). The Password, the private key, and the Recovery Phrase (together, your “Account Credentials”) are highly sensitive and should be kept confidential. You are responsible for safekeeping your Account Credentials. Further, you are responsible for all activities that occur under or in connection with your Account, or are otherwise attributable to your Account Credentials, whether or not you know about them.
Access and Recovery Procedure. LFE does not store your Account Credentials and cannot decrypt or re-generate your private key. However, you can use the Services to re-generate your private key from your Recovery Phase. Your personal device may store your Account Credentials in an encrypted manner, but we do not have access to these details. You acknowledge that LFE does not have access to your Account or the digital assets thereon and is not responsible in any way for the security of your Account, any digital assets thereon, or any transactions made through the Services, and LFE HEREBY DISCLAIMS ANY AND ALL LIABILITY AND RESPONSIBILITY FOR OR IN CONNECTION WITH YOUR ACCOUNT, ACCESS CREDENTIALS, OR ANY DIGITAL ASSETS OR TRANSACTIONS THEREON OR THERETHROUGH, AND YOU AGREE TO HOLD LFE HARMLESS FROM AND IN CONNECTION WITH ANY SUCH LIABILITY OR RESPONSIBILITY.
If you provide us feedback about the Services, we are free to use it.
We appreciate feedback, comments, ideas, proposals and suggestions for improvements to the Services (“Feedback”). If you choose to submit Feedback, you agree that we are free to use it without any restriction or compensation to you.
We currently do not charge fees for the Services, but this may change in the future. Your use of third-party applications or services may be subject to fees charged by third-parties.
We may charge fees for Services we make available to you, and we reserve the right to change those fees at our discretion upon notice to you. We will disclose the amount of fees we will charge you for the applicable Service at the time that you access the Service.
You may incur a fee for use of the DApps or use of, or access to, third-party software and services including as a result of transactions that you execute using the Services. Third-party fees are not charged by LFE and are not paid to LFE.
8. Third-Party Resources and Services.
The Services may allow you to access third-party services; we are not responsible for such services. Your use of third-party services may be subject to additional terms; you are responsible for complying with them.
The Services may allow you to access third-party websites, services or other resources. You acknowledge sole responsibility for and assume all risk arising from your use of any third-party websites, applications, or resources, including any DApps. Your use of any third-party websites, applications, or resource (including linking your Account to any third-party account) may be subject to such third party’s terms, conditions, restrictions, and privacy policies, which are solely between you and such third party.
9. Rights and Terms for Apps.
The App Store and Google Play require us to pass on certain terms to you.
App License. If you comply with these Terms, LFE grants to you a limited non-exclusive, non-transferable license, with no right to sublicense, to download and install the App on your personal computers, mobile handsets, tablets, wearable devices, and/or other devices and to run the App solely for your own personal non-commercial purposes. Except as expressly permitted in these Terms, you may not: (i) copy, modify or create derivative works based on the App; (ii) distribute, transfer, sublicense, lease, lend or rent the App to any third party; (iii) reverse engineer, decompile or disassemble the App (unless applicable law permits, despite this limitation); or (iv) make the functionality of the App available to multiple users through any means.
Additional Information: Apple App Store. This Section 9(b) applies to any App that you acquire from the Apple App Store or use on an iOS device. Apple has no obligation to furnish any maintenance and support services with respect to the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the App purchase price to you (if applicable) and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession and use of it, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation. Apple is not responsible for the investigation, defense, settlement and discharge of any third-party claim that your possession and use of the App infringe that third party’s intellectual property rights. Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of the Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist-supporting country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties. You must also comply with any applicable third-party terms of service when using the App.
10. General Prohibitions and LFE’s Enforcement Rights.
We want you to enjoy the Services for their intended purposes. You cannot tamper with the Services, break the law, or do things that make it hard for us to offer the Services or for users to enjoy them. We have the right, but not the obligation, to enforce these Terms.
You agree not to do any of the following:
Use, display, mirror or frame the Services or any individual element within the Services, LFE’s name, any LFE trademark, logo or other proprietary information, or the layout and design of any page or form contained on a page, without LFE’s express written consent;
Access, tamper with, or use non-public areas of the Services, LFE’s computer systems, or the technical delivery systems of LFE’s providers;
Attempt to probe, scan or test the vulnerability of any LFE system or network or breach any security or authentication measures;
Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by LFE or any of LFE’s providers or any other third party (including another user) to protect the Services;
Attempt to access or search the Services or download content from the Services using any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by LFE or other generally available third-party web browsers;
Use the Services, or any portion thereof, for the benefit of any third party or in any manner not permitted by these Terms;
Attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Services;
Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Services;
Collect or store any personally identifiable information from the Services from other users of the Services without their express permission;
- Impersonate or misrepresent your affiliation with any person or entity;
- Violate any applicable law or regulation; or
- Encourage or enable any other individual to do any of the foregoing.
LFE is not obligated to monitor access to or use of the Services. However, we have the right to do so for the purpose of operating the Services, to ensure compliance with these Terms and to comply with applicable law or other legal requirements. We reserve the right, but are not obligated, to remove or disable access to any Services or content, at any time and without notice, including, but not limited to, if we, at our sole discretion, consider it objectionable or in violation of these Terms. We have the right to investigate violations of these Terms or conduct that affects the Services. We may also consult and cooperate with law enforcement authorities to prosecute users who violate the law.
11. Suspension and Termination.
We may suspend or terminate your use of the Services at any time, including if you break the law or breach these Terms. We may also impose limitations on your ability to use the Services based on our legal compliance policies and practices. Certain provisions of these Terms continue to be in effect if these Terms or your use of the Services terminate.
We may suspend or terminate your access to and use of the Services, at our sole discretion, at any time and without notice to you, including as required by applicable law or any governmental authority, or if we determine that you are violating these Terms. Such suspension or termination shall not constitute a breach of these Terms by LFE. In accordance with our anti-money laundering, anti-terrorism, anti-fraud, and other compliance policies and practices, we may impose reasonable limitations and controls on your ability to use the Services. Such limitations may include where good cause exists, rejecting transaction requests or otherwise restricting you from using the Services. Upon any termination, discontinuation or cancellation of the Services, the following Sections will survive: 6, 7(a) (only for payments due and owing to LFE prior to the termination), 11, 12, 13, 14, 15, 16 and 17.
12. Warranty Disclaimers.
We don’t make any guarantees about the Services.
THE SERVICES ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, WE EXPLICITLY DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. We make no warranty that the Services will meet your requirements or be available on an uninterrupted, secure, or error-free basis. We make no warranty regarding the quality, accuracy, timeliness, truthfulness, completeness or reliability of any information or content on the Services.
LFE HEREBY DISCLAIMS ANY AND ALL LIABILITY AND RESPONSIBILITY FOR OR IN CONNECTION WITH (I) YOUR HANDLING, MISHANDLING, DISCLOSURE (INCLUDING UNAUTHORIZED DISCLOSURE), USE, OR MISUSE, OF ANY ACCOUNT CREDENTIALS (INCLUDING ANY UNAUTHORIZED ACCESS TO SUCH DETAILS ON YOUR PERSONAL DEVICE), AND (II) DAPPS AND ANY OTHER THIRD-PARTY SERVICES. NOTHING HEREIN NOR ANY USE OF THE SERVICES IN CONNECTION WITH THIRD PARTY SERVICES CONSTITUTES OUR ENDORSEMENT, RECOMMENDATION OR ANY OTHER AFFILIATION OF OR WITH ANY THIRD-PARTY SERVICES.
THE WALLET IS A NON-CUSTODIAL WALLET THAT HELPS YOU INTERACT WITH THE ETHEREUM BLOCKCHAIN ON YOUR OWN BEHALF; LFE DOES NOT HAVE THE ABILITY TO EFFECTUATE OR BLOCK ANY TRANSACTION THEREIN. LFE DOES NOT HAVE ACCESS TO YOUR ACCOUNT CREDENTIALS, YOUR FUNDS OR ANY DIGITAL ASSETS WITHIN YOUR ACCOUNT, WHICH ARE YOUR SOLE RESPONSIBILITY.
LFE TAKES NO RESPONSIBILITY FOR, AND WILL NOT BE RESPONSIBLE OR LIABLE TO YOU FOR ANY LOSSES, DAMAGES OR CLAIMS ARISING FROM: (I) USER ERROR SUCH AS FORGOTTEN ACCOUNT CREDENTIALS, INCORRECTLY CONSTRUCTED TRANSACTIONS, OR MISTYPED WALLET ADDRESSES; (II) SERVER FAILURE OR DATA LOSS; (III) BLOCKCHAIN NETWORKS OR CORRUPT FILES; (IV) UNAUTHORIZED ACCESS TO SERVICES; OR (V) ANY THIRD PARTY ACTIVITIES, INCLUDING WITHOUT LIMITATION THE USE OF VIRUSES, PHISHING, BRUTEFORCING OR OTHER MEANS OF ATTACK. LFE IS NOT RESPONSIBLE FOR ANY ISSUES WITH BLOCKCHAINS, INCLUDING FORKS, TECHNICAL NODE ISSUES OR ANY OTHER ISSUES HAVING FUND LOSSES AS A RESULT.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE DISCLAIMERS OF WARRANTIES MAY NOT APPLY TO YOU.
If someone sues us based on your breach of these Terms or your access or use of the Services, you agree to indemnify us for liabilities arising out of that lawsuit.
You will indemnify and hold LFE and its officers, directors, employees and agents, harmless from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (a) your access to or use of the Services, (b) any use of your Account Credentials, (c) your access to or use Dapps or any third-party services, or (d) your violation of these Terms. You may not settle or otherwise compromise any claim subject to this Section without LFE’s prior written approval.
14. Limitation of Liability.
This Section limits what you can recover from us in a dispute.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER LFE NOR ITS SERVICE PROVIDERS INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SERVICES WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST SAVINGS, LOST BUSINESS OPPORTUNITY, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE SERVICES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT LFE OR ITS SERVICE PROVIDERS HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, EVEN IF A LIMITED REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL LFE’S TOTAL LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES EXCEED THE AMOUNTS YOU HAVE PAID OR ARE PAYABLE BY YOU TO LFE FOR USE OF THE SERVICES OR ONE HUNDRED DOLLARS ($100), IF YOU HAVE NOT HAD ANY PAYMENT OBLIGATIONS TO LFE, AS APPLICABLE.
THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN LFE AND YOU.
15. Governing Law and Forum Choice.
You agree to federal arbitration laws and the laws of the State of Delaware. Any court cases not subject to arbitration will be handled in Delaware.
These Terms and any action related thereto will be governed by the Federal Arbitration Act, federal arbitration law, and the laws of the State of Delaware, without regard to its conflict of laws provisions. Except as otherwise expressly set forth in Section 16 “Dispute Resolution,” the exclusive jurisdiction for all Disputes (defined below) that you and LFE are not required to arbitrate will be the state and federal courts located in the State of Delaware, and you and LFE each waive any objection to jurisdiction and venue in such courts.
16. Dispute Resolution.
If there is a dispute between us, with limited exceptions, we’ll resolve it through arbitration. You also agree not to participate in a class-action lawsuit or class-wide arbitration against us.
Mandatory Arbitration of Disputes. We each agree that any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Services (collectively, “Disputes”) will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. You and LFE agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Terms, and that you and LFE are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Terms.
Exceptions. As limited exceptions to Section 16(a) above: (i) we both may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights.
Conducting Arbitration and Arbitration Rules. The arbitration will be conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by these Terms. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration at www.adr.org.
Any arbitration hearings will take place in the county (or parish) where you live, unless we both agree to a different location. The parties agree that the arbitrator shall have exclusive authority to decide all issues relating to the interpretation, applicability, enforceability and scope of this arbitration agreement.
Arbitration Costs. Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules, and we won’t seek to recover the administration and arbitrator fees we are responsible for paying, unless the arbitrator finds your Dispute frivolous. If we prevail in arbitration we’ll pay all of our attorneys’ fees and costs and won’t seek to recover them from you. If you prevail in arbitration you will be entitled to an award of attorneys’ fees and expenses to the extent provided under applicable law.
Injunctive and Declaratory Relief. Except as provided in Section 16(b) above, the arbitrator shall determine all issues of liability on the merits of any claim asserted by either party and may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. To the extent that you or we prevail on a claim and seek public injunctive relief (that is, injunctive relief that has the primary purpose and effect of prohibiting unlawful acts that threaten future injury to the public), the entitlement to and extent of such relief must be litigated in a civil court of competent jurisdiction and not in arbitration. The parties agree that litigation of any issues of public injunctive relief shall be stayed pending the outcome of the merits of any individual claims in arbitration.
Class Action Waiver. YOU AND LFE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties’ Dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution section shall be null and void.
Severability. With the exception of any of the provisions in Section 16(f) of these Terms (“Class Action Waiver”), if an arbitrator or court of competent jurisdiction decides that any part of these Terms is invalid or unenforceable, the other parts of these Terms will still apply.
17. General Terms.
We own all rights to the Services. This section includes other general legal terms applicable to your use of the Services.
Reservation of Rights. LFE and its licensors exclusively own all right, title and interest in and to the Services, including all associated intellectual property rights. You acknowledge that the Services are protected by copyright, trademark, and other laws of the United States and foreign countries. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services.
Entire Agreement. These Terms constitute the entire and exclusive understanding and agreement between LFE and you regarding the Services, and these Terms supersede and replace all prior oral or written understandings or agreements between LFE and you regarding the Services. If any provision of these Terms is held invalid or unenforceable by an arbitrator or a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect. Except where provided by applicable law in your jurisdiction, you may not assign or transfer these Terms, by operation of law or otherwise, without LFE’s prior written consent. Any attempt by you to assign or transfer these Terms absent our consent or your statutory right, without such consent, will be null. LFE may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns. The headings to sections and subsections of these Terms are for convenience or reference only and do not form a part of these Terms and will not in any way affect their interpretation.
Notices. Any notices or other communications provided by LFE under these Terms will be given by posting to the App.
Waiver of Rights. LFE’s failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of LFE. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.
18. Contact Information.
If you have any questions about these Terms or the Services, please contact LFE at email@example.com.