Date of Last Revision: January 19, 2023

General Information

CoopC™ provides its services (described below) to you through its website and mobile applications (the “Platform”) and related services (collectively, such services, including any new features and applications, and the Platform, the “Services”), subject to the following Terms of Service (as amended from time to time, the “Terms of Service”). If you are a campaign organizer (as defined below) you will be contracting with CoopC™ Inc. For purposes of the following Terms of Service, CoopC™,” “we,” “us,” “our,” and other similar terms, shall refer to the party with whom you are contracting. We reserve the right, at our sole discretion, to change or modify portions of these Terms of Service at any time. If we do this, we will post the changes on this page and will indicate the date these terms were last revised. We will also endeavor to notify you, either through the Services user interface, in an email notification or through other reasonable means, and unless otherwise stated, CoopC™ may communicate with you officially by any reasonable means now known or later developed. These currently include email, regular mail, and postings on the Platform. Any such changes will become effective no earlier than fourteen (14) days after they are posted, except that (i) changes addressing new functions of the Services or changes made for legal reasons will be effective immediately, and (ii) changes or modifications to the provisions of these Terms of Service governing Dispute Resolution by Binding Arbitration shall be made as specified therein. Your continued use of the Services after the date any such changes become effective constitutes your acceptance of the new Terms of Service. If you do not wish to accept the new Terms of Service, you may discontinue your use of the Services. In addition, when using certain services, you will be subject to any additional terms applicable to such services that may be posted on the Services from time to time, including, without limitation, the Privacy Policy located at https://CoopC.com/privacy

and the CoopC™ Guarantee Policy located at https://CoopC.com/guarantee.

All such terms are hereby incorporated by reference into these Terms of Service (provided, however, that such other terms may be modified in accordance with their terms and, with respect to the use of the Services, these Terms of Service will take precedence in the event of conflict). Finally, we encourage you, particularly if you intend to donate to a CoopC™ campaign, to review the Fees section of these Terms of Service. Access and Use of the Services Services Description: The Services are offered as a platform to users of the Services, which may include Campaign Organizers and GBOs (each defined herein) and other registered users of the Services (which may include users who simply “like” Campaigns or otherwise interact with the Platform or Services). Among other features, the Services are designed to allow a user (a “Global Business Owner”) to post a fundraising campaign (“Campaign”) to the Platform to accept monetary Royalties (“Royalties”) from those registered users wishing to contribute funds to the business (“GBOs”). For purposes hereof, the term “Campaign Organizer” shall also be deemed to include any individual(s) designated as a beneficiary of a Campaign. Although there are no fees to set up a Campaign, a percentage of each Royalty will be charged as fees for our Services. Please see our Fees section for details. Charitable Giving: Campaigns are not charities to which you can make tax-deductible charitable contributions. However, in addition to the Services described above, CoopC™ permits GBOs to contribute directly to certain charitable organizations (“Charities”) through the Platform. Any royalty you make to a Charity through the Platform will be subject to a Services fee as described at https://CoopC.com/pricing. You understand and acknowledge, however, that CoopC™ is not a charity. If you or your charity would like to register to be listed as a charitable organization on the Platform, please contact us at [email protected] and we can help facilitate that process. As used in this Agreement, the term “Campaign” does not refer to a Charity, and you acknowledge that contributions to Campaigns are not deductible under your jurisdiction’s applicable tax laws and regulations. The Services are a Platform; We are not a Broker, Financial Institution, Creditor or Charitable Institution: The Services are an administrative platform only.

CoopC™ facilitates the Royalty transaction between Campaign Organizers and GBOs, but is not a party to any agreement between a Campaign Organizer and a GBO, or between any user and a Charity. CoopC™ is not a broker, agent, financial institution, creditor or insurer for any user. CoopC™ has no control over the conduct of, or any information provided by, a Campaign Organizer or a Charity, and CoopC™ hereby disclaims all liability in this regard to the fullest extent permitted by applicable law. CoopC™ does not guarantee that a Campaign or a Charity will obtain a certain amount of Royalties or any Royalties at all. We do not personally endorse any Campaign, Campaign Organizer, or Charity, and we make no guarantee, explicit or implied, that any information provided through the Services by a user is accurate. We expressly disclaim any liability or responsibility for the success of any Campaign, or the outcome of any fundraising purpose. You, as a GBO, must make the final determination as to the value and appropriateness of contributing to any Campaign, Campaign Organizer, or Charity. We do not and cannot verify the information that Campaign Organizers supply, nor do we guarantee that the Royalties will be used in accordance with any fundraising purpose prescribed by a Campaign Organizer or Charity. We assume no responsibility to verify whether the Royalties are used in accordance with any applicable laws; such responsibility rests solely with the Campaign Organizer or Charity, as applicable. While we have no obligation to verify that the use of any funds raised is in accordance with applicable law and these Terms of Service, we take possible fraudulent activity and the misuse of funds raised very seriously. If you have reason to believe that a Campaign Organizer or Charity is not raising or using the funds for their stated purpose, please use the “Report” button on the Campaign or Charity to alert our team of this potential issue and we will investigate. If you are a GBO, you may also be covered by the CoopC™ Guarantee Policy details located at https://CoopC.com/guarantee.

You, as a Campaign Organizer, represent, warrant, and covenant that (i) all information you provide in connection with a Campaign is accurate, complete, and not otherwise designed to mislead, defraud, or deceive any user; (ii) all Royalties contributed to your Campaign will be used solely as described in the materials that you post; (iii) you will comply with your jurisdiction’s applicable laws and regulations when you solicit funds, particularly, but not limited to, laws relating to your marketing and solicitation for your project; and (iv) to the extent you share with us any personal data of any third party for any purpose, including the names, email addresses and phone numbers of your personal contacts, you have the authority (including any necessary consents), as required under applicable law, to provide us with such personal data and allow us to use such personal data for the purposes for which you shared it with us. You authorize CoopC™, and CoopC™ reserves the right to, provide information relating to your Campaign with GBOs and beneficiaries of your Campaign, and with law enforcement or to assist in any investigation.

Your Registration Obligations

You may be required to register with CoopC™ in order to access and use certain features of the Services. If you choose to register for the Services, you agree to provide and maintain true, accurate, current and complete information about yourself as prompted by the Services’ registration form. Campaign Organizers must register using their true identities, including their name and any image or video purporting to depict the Campaign Organizer. Registration data and certain other information about you are governed by our Privacy Policy. If you are under 13 years of age, you are not authorized to use the Services, with or without registering. In addition, if you are under the age of majority in your jurisdiction (typically 18 or 19 years of age), you may use the Services, with or without registering, only with the approval of your parent or guardian. Certain aspects of our Services may also require you to register with (and agree to the terms of) third-party service providers (e.g., payment processors or charitable royalty processors) in order to utilize such Services. While we may help facilitate such registration in some cases, we are not a party to any such relationships and disclaim any responsibility or liability for the performance by such third parties. We may exchange information with such third-party services in order to facilitate the provision of Services (and related third party services). Where such information consists of Personal Data (as defined in the Privacy Policy), it will only be shared in accordance with the Privacy Policy.

Public Display of Royalties

As a GBO, you have the option to publicly display your Royalty for all to see, including on search engines (like Google and Yahoo). To keep the details of your Royalty private, simply click the “Private” checkbox during the Royalty process. Please see our Privacy Policy for more information on the ways that we may collect, use, and store certain information about you and your use of the Services.

General Practices Regarding Use and Storage

You acknowledge that CoopC™ may establish general practices and limits concerning use of the Services, including without limitation the maximum period of time that data or other content will be retained by the Services and the maximum storage space that will be allotted on CoopC™ servers on your behalf. You agree that CoopC™ has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Services. You acknowledge that CoopC™ reserves the right to terminate accounts or Campaigns that are inactive for an extended period of time, provided that CoopC™ will use its commercially reasonable efforts to provide a Campaign Organizer with reasonable notice before terminating an inactive Campaign having a positive balance of Royalties. You further acknowledge that CoopC™ reserves the right to change these general practices and limits at any time, in its sole discretion. We will endeavor to give you notice of any such change where required by applicable law.

Mobile Services

The Services include certain services that are available via a mobile device, including (i) the ability to upload content to the Platform via a mobile device, (ii) the ability to browse the Platform from a mobile device and (iii) the ability to access certain features through an application downloaded and installed on a mobile device (collectively, the “Mobile Services”). To the extent you access the Services through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply. In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. By using the Mobile Services, you agree that we may communicate with you regarding CoopC™ and other entities by SMS, MMS, text message or other electronic means to your mobile device and that certain information about your usage of the Mobile Services may be communicated to us. We shall comply with any additional requirements that may apply under local laws and regulations before communicating with you in this manner. In the event that you change or deactivate your mobile telephone number, you agree to promptly update your CoopC™ account information to ensure that your messages are not sent to the person that acquires your old number.

Conditions of Use

User Conduct

You are solely responsible for all Campaign descriptions, comments, videos, images, information, data, text, software, music, sound, photographs, graphics, messages or other materials (“content”) that you upload, post, publish or display (hereinafter, “upload”) or transmit or otherwise use via the Services. The following are examples of the kind of content and/or use that is illegal or prohibited by CoopC™. However, this list is not exhaustive and CoopC™ reserves the right to investigate anyone by engaging public and private organizations, including, but not limited to collection agents, private investigators, and local, state, federal and applicable international agencies, and take appropriate action against anyone who, in CoopC’s sole discretion, violates any of the terms or spirit of these Terms of Service (or the principles described in our preamble hereto), including, without limitation, removing the offending content, suspending or terminating the account of such violators, stopping payments to any such Campaign, freezing or placing a hold on donated funds when CoopC™ reasonably believes it to be required by applicable law, and reporting you to law enforcement authorities or otherwise taking appropriate legal action.

Without limiting the foregoing, you agree to not use the Services to:

Royalties

In order to contribute to a Campaign or to a Charity, a GBO will be required to provide CoopC™ information regarding its credit card or other payment instrument. You, as a GBO, represent and warrant to CoopC™ that such information is true and that you are authorized to use the payment instrument. You agree that a certain minimum Royalty amount may apply, and that all Royalty payments are final and will not be refunded unless CoopC™, in its sole discretion, agrees to issue a refund, for example in accordance with the CoopC™ Guarantee. GBOs may have the option to contribute recurring period Royalties, and in electing to contribute on a recurring basis, you, as a GBO (i) agree to promptly update your account information with any changes (for example, a change in your billing address or credit card expiration date) that may occur and to pay the Royalty amount that you specify, and (ii) hereby authorize CoopC™ to bill your payment instrument in advance on a periodic basis until you terminate such periodic payments, which can be done at any time through the Platform.

Chargeback

It is illegal to request a chargeback and CoopC™ takes chargebacks very seriously. CoopC™ works closely with all major credit card companies and banks to alert them to the fraudulent misuse of cardholders. CoopC™ will provide credit card companies and banks with all GBO IP Address(s), account login details, banking details and GBO withdraw requests (if any) as proof of GBO acceptance and knowledge of the Terms of participation in CoopC™. This may cost the GBO cardholder loss of card privileges and serious legal consequences including being jailed.

Fees

CoopC™ does not charge a Campaign Organizer any upfront fees for initiating a Campaign. CoopC™ retains a flat percentage of each Royalty contributed to a Campaign and all charitable contributions made to a Charity (collectively, CoopC™ Fees). An additional payment processing fee is also deducted from each Royalty and is payable directly to our payment partners (the “Payment Processing Fee,” and together with the CoopC™ Fees, the “Fees”). GBOs acknowledge that by contributing a Royalty to a Campaign, the GBO is agreeing to any and all applicable terms and conditions set forth by our payment partners, in addition to these Terms of Service. Please see applicable Fees at https://CoopC.com/pricing which also includes the respective terms and conditions of our payment partners. Fees are deducted directly from each Royalty, and will not be reflected in the amount which a Campaign Organizer can withdraw from the Campaign or which is directed to a Charity. We reserve the right to change CoopC’s Fee pricing from time to time. If CoopC™ does change its Fees, CoopC™ will provide advance notice of the change on the Platform or in email to you, at CoopC’s option. Your continued use of the Services after the Fee change becomes effective constitutes your acceptance of the updated Fees. All Fees referred to in these Terms of Service are exclusive of Value Added Tax, Goods and Services Tax and any other taxes, where applicable.

Account Holds

From time to time, CoopC™ may place a hold on a Campaign account (a “Hold”), restricting Withdrawals (defined herein) by a Campaign Organizer. Some of the reasons that we may place a Hold on a Campaign Account include the following:

(i) if we have reason to believe (in our sole discretion) that information provided by a Campaign Organizer is false, misleading, or fraudulent, or that funds are being used in a prohibited manner,

(ii) if the funds available should be provided directly to a person other than the Campaign Organizer (such as a legal beneficiary or person entitled by law to act on behalf of a Campaign Organizer),

(iii) if we have reason to believe that a Campaign or Campaign Organizer has violated these Terms of Service, or

(iv) if required in order to comply with a court order, subpoena, writ, injunction, or as otherwise required under applicable laws and regulations.

If you have questions about a Hold we may have placed on your Campaign account, or need information about how to resolve the Hold, please contact us at [email protected].

Withdrawing Royalties from a Campaign

You, as a Campaign Organizer (or, as applicable, the beneficiary designated by the Campaign), may withdraw Royalties to your Campaign at any time up to the full amount of all Royalties credited to your Campaign, less Fees and any previously withdrawn amounts (“Withdrawals”) and subject to any Holds that we or our payment partners may place on your Campaign account. A Campaign Organizer may withdraw Royalties by transferring to their eWallet as provided by CoopC™. While CoopC™ strives to make Withdrawals available to you promptly, you acknowledge and agree that Withdrawals may not be available to you for use immediately, and CoopC™ does not guarantee that Withdrawals will be available to you within any specific time frame. CoopC™ expressly disclaims any and all responsibility for any delay or inability to access and use Withdrawals at any specified time, and any consequences arising from such delay or inability. You, as a Campaign Organizer, are responsible for ensuring that the information you provide to CoopC™ in order to process a Withdrawal, including your eWallet account information, is accurate and up to date.

Special Notice for International Use; Export Controls

Software (defined below) available in connection with the Services and the transmission of applicable data, if any, may be subject to export controls and economic sanctions laws of Barbados or other jurisdictions. No Software may be downloaded from the Services or otherwise exported or re-exported in violation of such export control and economic sanctions laws. Downloading or using the Software is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all local rules and laws regarding your use of the Services, including as it concerns online conduct and acceptable content.

Services Content, Software, and Trademarks: You acknowledge and agree that the Services may contain content or features (“Services Content”) that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and laws. Except as expressly authorized by CoopC™, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Services or the Services Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below) that you legally upload to the Services. In connection with your use of the Services you will not engage in or use any data mining, robots, scraping, or similar data gathering or extraction methods. If you are blocked by CoopC™ from accessing the Services (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address). Any use of the Services or the Services Content other than as specifically authorized herein is strictly prohibited. The technology and software underlying the Services or distributed in connection therewith are the property of CoopC™, our affiliates, and our partners (the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by CoopC™.

The CoopC™ name and logos are trademarks and service marks of CoopC™ (collectively the “CoopC Trademarks”). Other company, product, and service names and logos used and displayed via the Services may be trademarks or service marks of their respective owners, who may or may not endorse or be affiliated with or connected to CoopC™. Nothing in these Terms of Service or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of CoopC™ Trademarks displayed on the Services, without our prior written permission in each instance. All goodwill generated from the use of CoopC™ Trademarks will inure to our exclusive benefit.

Third-Party Material

Under no circumstances will CoopC™ be liable in any way for any content or materials of any third parties (including users and Campaign Organizers), including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content. You acknowledge that CoopC™ does not pre-screen content, but that CoopC™ and its designees will have the right (but not the obligation) in their sole discretion to refuse or remove any content that is available via the Services. Without limiting the foregoing, CoopC™ and its designees will have the right to remove any content that violates these Terms of Service or is deemed by CoopC™, in its sole discretion, to be otherwise objectionable.

User Content Transmitted Through the Services

With respect to the content, photos, videos, images, trademarks, logos, brands, or other materials you upload or post through the Services or share with other users or recipients (collectively, “User Content”), you represent and warrant that you own all right, title, and interest in and to, or otherwise have all necessary rights and consents to (and to allow others to) fully exploit, such User Content, including, without limitation, as it concerns all copyrights, trademark rights, and rights of publicity or privacy related thereto. By uploading any User Content you hereby grant and will grant CoopC™ and its affiliated companies a nonexclusive, worldwide, royalty-free, fully paid up, transferable, sublicensable, perpetual, irrevocable license to copy, display, upload, perform, distribute, store, modify, and otherwise use your User Content in connection with the operation of the Services or the promotion, advertising, or marketing thereof, in any form, medium, or technology now known or later developed.

Without limiting the foregoing, if any User Content contains your name, image, or likeness, you hereby release and hold harmless CoopC™ and its contractors and employees from (i) all claims for invasion of privacy, publicity, or libel, (ii) any liability or other claims by virtue of any blurring, distortion, alteration, optical illusion, or other use or exploitation of your name, image, or likeness, and (iii) any liability for claims made by you (or any successor to any claim you might bring) in connection with your User Content, name, image, or likeness. You waive any right to inspect or approve any intermediary version(s) or finished version(s) of the results of the use of your User Content (including your name, image, or likeness).

Further, if any person (other than you) appears in your User Content, you represent and warrant that you have secured all necessary licenses, waivers, and releases from such person(s) for the benefit of CoopC™ in a manner fully consistent with the licenses, waivers, and releases set forth above. You further acknowledge that your participation in the Services and submission of User Content is voluntary and that you will not receive financial compensation of any type associated with the licenses, waivers, and releases set forth herein (or CoopC’s exploitation thereof), and that the sole consideration for subject matter of this agreement is the opportunity to use the Services.

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information about the Services (“Submissions”) provided by you to CoopC™ are non-confidential, and CoopC™ will be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

You acknowledge and agree that CoopC™ may preserve content and may also disclose content if required to do so by law or in the good-faith belief that such preservation or disclosure is reasonably necessary to (a) comply with legal process, applicable laws, or government requests; (b) enforce these Terms of Service; (c) respond to claims that any content violates the rights of third parties; or (d) protect the rights, property, or personal safety of CoopC™, its users, or the public.

Copyright Complaints

CoopC™ respects the intellectual property of others, and we ask our users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, you should notify CoopC™ of your infringement claim in accordance with the procedure set forth below. CoopC™ will process and investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act (“DMCA”) and other applicable intellectual property laws with respect to any alleged or actual infringement.

A notification of claimed copyright infringement should be emailed to CoopC’s Copyright Agent at [email protected]

(Subject line: “DMCA Takedown Request”)

To be effective, the notification must be in writing and contain the following information:

• an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;

• a description of the copyrighted work or other intellectual property that you claim has been infringed;

• a description of where the material that you claim is infringing is located on the Services, with enough detail that we may find it on the Services;

• your address, telephone number, and email address;

• a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law;

• a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.

Counter-Notice

If you believe that your User Content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner’s agent, or pursuant to the law, to upload and use the content in your User Content, you may send a written counter-notice containing the following information to the above-listed Copyright Agent:

• your physical or electronic signature;

• identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled;

• a statement that you have a good-faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and

• your name, address, telephone number, and email address, and a statement that you will accept service of process from the person who provided notification of the alleged infringement.

If a counter-notice is received by the Copyright Agent, CoopC™ will send a copy of the counter-notice to the original complaining party, informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member, or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at our sole discretion.

Repeat Infringer Policy

In accordance with the DMCA and other applicable law, CoopC™ has adopted a policy of terminating, in appropriate circumstances and at CoopC’s sole discretion, users who are deemed to be repeat infringers. CoopC™ may also at its sole discretion limit access to the Services and/or terminate the memberships of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

Third-Party Websites/Services

The Services may provide or facilitate, or third parties may provide, links or other access to other sites, services, and resources on the Internet. CoopC™ has no control over such sites, services, and resources and is not responsible for and does not endorse such sites, services, and resources. You further acknowledge and agree that CoopC™ will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, events, goods, or services available on or through any such site, service, or resource. Any dealings you have with third parties found while using the Services are between you and the third party, and you agree that CoopC™ is not liable for any loss or claim that you may have against any such third party.

Indemnity and Release

You agree to release, indemnify on demand, and hold CoopC™ and its affiliates and their officers, employees, directors, and agents harmless from any and all losses, damages, expenses, including reasonable attorneys’ fees, costs, awards, fines, damages, rights, claims, actions of any kind, and injury (including death) arising out of or relating to your use of the Services, any Royalty or Campaign, any User Content, your connection to the Services, your violation of these Terms of Service, or your violation of any rights of another. If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.” If you are a resident of another jurisdiction—in or outside of Barbados—you waive any comparable statute or doctrine.

Disclaimer of Warranties

Your use of the Service is at your sole risk. The Service is provided on an “as is” and “as available” basis. CoopC™ and its affiliates expressly disclaim and exclude, to the fullest extent permitted by applicable law, all warranties, conditions, and representations of any kind, whether express, implied, or statutory, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. CoopC™ and its affiliates make no warranty or condition that (i) the Service will meet your requirements, (ii) the Service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Service will be accurate or reliable, or (iv) the quality of any products, services, information, or other material purchased or obtained by you through the Service will meet your expectations.

Limitation of Liability

You expressly understand and agree that, to the fullest extent permitted by applicable law, neither CoopC™ nor its affiliates will be liable for any (a) indirect, incidental, special, consequential, punitive, or exemplary damages, (b) damages for loss of profits, (c) damages for loss of goodwill, (d) damages for loss of use, (e) loss or corruption of data, or (f) other intangible losses (even if CoopC™ has been advised of the possibility of such damages), whether based on contract, tort, negligence, strict liability, or otherwise, resulting from (i) the use or the inability to use the Service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information, or services purchased or obtained or messages received or transactions entered into through or from the Service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the Service; or (v) any other matter relating to the Service.

To the fullest extent permitted by applicable law, in no event will CoopC’s total liability to you for all damages, losses (including contract, negligence, statutory liability, or otherwise) or causes of action exceed the amount you have paid CoopC™ in the last six (6) months, or, if greater, one hundred dollars ($100). Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the limitations set forth above may not apply to you. If you are dissatisfied with any portion of the Service or with these Terms of Service, your sole and exclusive remedy is to discontinue use of the Services.

SMS and WhatsApp Messaging Compliance

CoopC™ utilizes SMS and WhatsApp messaging to communicate with users and provide updates related to the Services. All messaging activities adhere to applicable regulations, including A2P (Application-to-Person) compliance standards, to ensure proper use and delivery of messages. Users may receive transactional or informational messages based on their interactions with the Services. Consent is obtained where required, and users can opt out of receiving such messages at any time by following the instructions provided within the message. CoopC™ ensures that all communications are sent in accordance with local and international regulations governing SMS and WhatsApp messaging, including appropriate opt-in and opt-out processes to maintain compliance.