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TERMS OF SERVICE


LAST UPDATED: JANUARY 07, 2022

Welcome, and thank you for your interest in Say Technologies LLC (“Say,” “we,”
or “us”) and related services provided by us (collectively, the “Shareholder
Service”). For the avoidance of doubt, the “Service” includes the Shareholder
Service, as defined below.

These Terms of Service are a legally binding contract between you and Say
regarding your use of the Service.

PrivacyTermsDisclosures


PLEASE READ THE FOLLOWING TERMS CAREFULLY.

BY ACCESSING THE SERVICE THROUGH THE HYPERLINKS WE PROVIDE TO YOU OR BY USING
THE SERVICE, YOU AGREE THAT YOU HAVE READ AND UNDERSTOOD, AND, AS A CONDITION TO
YOUR USE OF THE SERVICE, YOU AGREE TO BE BOUND BY, THE FOLLOWING TERMS AND
CONDITIONS, INCLUDING SAY’S PRIVACY POLICY, SAY DISCLOSURES (TOGETHER, THESE
"TERMS"). IF YOU ARE NOT ELIGIBLE, OR DO NOT AGREE TO THE TERMS, THEN YOU DO NOT
HAVE OUR PERMISSION TO USE THE SERVICE. ANY UPDATE TO THESE TERMS WILL BE POSTED
ON OUR WEBSITE HERE. YOUR USE OF THE SERVICE, AND SAY’S PROVISION OF THE SERVICE
TO YOU, CONSTITUTES AN AGREEMENT BY SAY AND BY YOU TO BE BOUND BY THESE TERMS
AND ANY FUTURE UPDATES TO THESE TERMS.

ARBITRATION NOTICE.Except for certain kinds of disputes described in Section 14,
such as disputes between Say and consumers located in the EU, you agree that
disputes arising under these Terms will be resolved by binding, individual
arbitration, and BY ACCEPTING THESE TERMS, YOU AND SAY ARE EACH WAIVING THE
RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION OR REPRESENTATIVE
PROCEEDING. YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend
your rights under this contract (except for matters that may be taken to small
claims court). Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a
judge or jury (See Section 14).

 1.  Say Service Overview.
     
     1. Partner Services We work with broker-dealers, custodians and others
        ("Partners") to distribute shareholder materials, including proxy
        materials to customers of our Partners that are entitled to receive
        distributions of such shareholder materials ("Shareholders"). If you are
        a Shareholder, the Partner of which you are a customer will provide us
        with your contact information so that we can send you relevant
        shareholder communications. If your vote or consent is being solicited,
        we will provide you with a control number or smart link ("Access Code")
        to access a voting page on our platform where you can submit your vote.
     
     2. Shareholder Service. We work with our Parners to offer a Q&A service
        that alows Shareholders to communicate and engage with their issuers. By
        signing up for this service through our website or through Partner
        applications, you are creating an account with Say. This account allows
        you to (i) obtain information about our product offerings, (ii) receive
        communications from us and our Partners, (iii) access and interact with
        shareholder materials, and (iv) interact with other Shareholders and
        companies through our mobile app and/or website (the "Shareholder
        Service").

 2.  Eligibility. You must be at least 18 years old to use the Service. By
     agreeing to these Terms, you represent and warrant to us that: (a) you are
     at least 18 years old; (b) you have not previously been suspended or
     removed from the Service; and (c) your use of the Service is in compliance
     with any and all applicable laws and regulations. If you are an entity,
     organization, or company, the individual accepting these Terms on your
     behalf represents and warrants that they have authority to bind you to
     these Terms and you agree to be bound by these Terms.

 3.  Licenses.
     
     1. Limited License. Subject to your complete and ongoing compliance with
        these Terms, Say grants you, solely for your personal, non-commercial
        use, a limited, non-exclusive, non-transferable, non-sublicensable,
        revocable license to access and use the Service.
     
     2. License Restrictions. Except and solely to the extent such a restriction
        is impermissible under applicable law, you may not: (a) reproduce,
        distribute, publicly display, or publicly perform the Service; (b) make
        modifications to the Service; or (c) interfere with or circumvent any
        feature of the Service, including any security or access control
        mechanism. If you are prohibited under applicable law from using the
        Service, you may not use it.
     
     3. Feedback. If you choose to provide input and suggestions regarding
        problems with or proposed modifications or improvements to the Service
        ("Feedback"), then you hereby grant Say an unrestricted, perpetual,
        irrevocable, non-exclusive, fully-paid, royalty-free right to exploit
        the Feedback in any manner and for any purpose, including to improve the
        Service and create other products and services.

 4.  Ownership; Proprietary Rights. The Service is owned and operated by Say.
     The visual interfaces, graphics, design, compilation, information, data,
     computer code (including source code or object code), products, software,
     services, and all other elements of the Service ("Materials") provided by
     Say are protected by intellectual property and other laws. All Materials
     included in the Service are the property of Say or its third party
     licensors. Except as expressly authorized by Say, you may not make use of
     the Materials. Say reserves all rights to the Materials not granted
     expressly in these Terms.

 5.  Third Party Software. The Service may include or incorporate third party
     software components that are generally available free of charge under
     licenses granting recipients broad rights to copy, modify, and distribute
     those components ("Third Party Components"). Although the Service is
     provided to you subject to these Terms, nothing in these Terms prevents,
     restricts, or is intended to prevent or restrict you from obtaining Third
     Party Components under the applicable third party licenses or to limit your
     use of Third Party Components under those third party licenses.

 6.  Prohibited Conduct.
     
     
     
     BY USING THE SERVICE YOU AGREE NOT TO:
     
     
     
     1. use the Service or any information provided by us or available on the
        Service for any illegal purpose or in violation of any securities laws
        or regulations or any local, state, national, or international law,
        including soliciting the votes of other Shareholders;
     
     2. violate, or encourage others to violate, any right of a third party,
        including by infringing or misappropriating any third party intellectual
        property right;
     
     3. interfere with security-related features of the Service, including by:
        (i) disabling or circumventing features that prevent or limit use or
        copying of any content; or (ii) reverse engineering or otherwise
        attempting to discover the source code of any portion of the Service
        except to the extent that the activity is expressly permitted by
        applicable law;
     
     4. interfere with the operation of the Service or any user’s enjoyment of
        the Service, including by: (i) uploading or otherwise disseminating any
        virus, adware, spyware, worm, or other malicious code; (ii) making any
        unsolicited offer or advertisement to another user of the Service; (iii)
        collecting personal information about another user or third party
        without consent; or (iv) interfering with or disrupting any network,
        equipment, or server connected to or used to provide the Service;
     
     5. perform any fraudulent activity including impersonating any person or
        entity, or claiming a false affiliation, or using any other
        Shareholder’s Access Code without permission;
     
     6. sell or otherwise transfer the access granted under these Terms or any
        Materials or any right or ability to view, access, or use any Materials;
        or
     
     7. attempt to do any of the acts described in this Section 6 or assist or
        permit any person in engaging in any of the acts described in this
        Section 6.

 7.  Compliance with Laws. You must comply with all applicable laws with respect
     to your use of the Service.

 8.  Shareholder Service. If you use our Shareholder Service, the following
     additional terms will apply to you.
     
     1. Accounts and Registration. To access certain features of the Shareholder
        Service, you may need to register for an account.
        
        1. If you access the Shareholder Service through our website: You may be
           required to provide us with some information about yourself, such as
           your name, phone number, email address, or other contact information.
           You agree that the information you provide to us is accurate and that
           you will keep it accurate and up-to-date at all times. When you
           register, you may be asked to provide a password. You are solely
           responsible for maintaining the confidentiality of your account and
           password, and you accept responsibility for all activities that occur
           under your account. If you believe that your account is no longer
           secure, then you must immediately notify us at
           support@saytechnologies.com.
        2. If you access the Shareholder Service through Partner applications,
           you consent to the Partner sharing necessary information with Say to
           register for an account and perform the Shareholder Service. This is
           including but not limited to your name, phone number, email address,
           or other contact information, your holdings and other related
           information that allows us to effectively deliver the Shareholder
           Service.
        
        
     
     2. User Generated Content.
        
        1. User Content Generally. Certain features of the Shareholder Service
           may permit users to post and publish content on the Shareholder
           Service, including shareholder proposals and initiatives ("User
           Content"). You retain any copyright and other proprietary rights that
           you may hold in the User Content that you post to the Shareholder
           Service.
        
        2. Limited License Grant to Say. By providing User Content to or via the
           Shareholder Service, you grant Say a worldwide, non-exclusive,
           royalty-free, fully paid right and license (with the right to
           sublicense through multiple tiers) to host, store, transfer, display,
           perform, reproduce, modify for the purpose of formatting for display,
           and distribute your User Content, in whole or in part, in any media
           formats and through any media channels now known or hereafter
           developed.
        
        3. Limited License Grant to Other Users. By providing User Content to or
           via the Shareholder Service to other users of the Shareholder
           Service, you grant those users a non-exclusive license to access and
           use that User Content as permitted by these Terms and the
           functionality of the Shareholder Service.
        
        4. User Content Representations and Warranties. Say disclaims any and
           all liability in connection with User Content. You are solely
           responsible for your User Content and the consequences of providing
           User Content via the Shareholder Service. By providing User Content
           via the Shareholder Service, you affirm, represent, and warrant that:
           
           i. you are the creator and owner of the User Content, or have the
           necessary licenses, rights, consents, and permissions to authorize
           Say and users of the Shareholder Service to use and distribute your
           User Content as necessary to exercise the licenses granted by you in
           this Section, in the manner contemplated by Say, the Shareholder
           Service, and these Terms;
           
           ii. your User Content, and the use of your User Content as
           contemplated by these Terms, does not and will not: (a) infringe,
           violate, or misappropriate any third party right, including any
           copyright, trademark, patent, trade secret, moral right, privacy
           right, right of publicity, or any other intellectual property or
           proprietary right; (b) slander, defame, libel, or invade the right of
           privacy, publicity or other property rights of any other person; or
           (c) cause Say to violate any law or regulation; and
           
           iii. your User Content could not be deemed by a reasonable person to
           be objectionable, profane, indecent, pornographic, harassing,
           threatening, embarrassing, hateful, or otherwise inappropriate.
           
           iv. Your User Content will comply with the following Community
           Guidelines
           
           * All posts must be structured in the form of a question.
           * Profanity, abusive language, and spam are prohibited.
           * To ensure that the Q&A is as informative as possible, all questions
             must be focused on topics related to shareholder interests.
           * Private or proprietary information is prohibited. Personal
             information such as account numbers, SSNs, email addresses, phone
             numbers, or any other information considered Personally
             Identifiable Information (also known as PII) is prohibited.
           * In accordance with the law, any securities and investment advice or
             recommendations or trading and investment strategies is strictly
             prohibited.
           * All posts must be in English.
           * Misinformation and disinformation are prohibited. Do not post any
             false, misleading, or fabricated information.
           * Do not impersonate others.
           * Questions in the form of allegations or those that invoke
             conspiracy theories will not be published.
           
           
        
        5. User Content Disclaimer. We are under no obligation to edit or
           control User Content that you or other users post or publish, and
           will not be in any way responsible or liable for User Content. Say
           may, however, at any time and without prior notice, screen, remove,
           edit, or block any User Content that in our sole judgment violates
           these Terms or is otherwise objectionable. You understand that when
           using the Shareholder Service you will be exposed to User Content
           from a variety of sources and acknowledge that User Content may be
           inaccurate, offensive, indecent, or objectionable. You agree to
           waive, and do waive, any legal or equitable right or remedy you have
           or may have against Say with respect to User Content. If notified by
           a user or content owner that User Content allegedly does not conform
           to these Terms, we may investigate the allegation and determine in
           our sole discretion whether to remove the User Content, which we
           reserve the right to do at any time and without notice. For clarity,
           Say does not permit copyright-infringing activities on the
           Shareholder Service.
        
        6. Monitoring Content. Unless required under applicable law, Say does
           not control and does not have any obligation to monitor: (i) User
           Content; (ii) any content made available by third parties; or (iii)
           the use of the Shareholder Service by its users. You acknowledge and
           agree that Say reserves the right to, and may from time to time,
           monitor any and all information transmitted or received through the
           Shareholder Service for operational and other purposes. If at any
           time Say chooses to monitor the content, Say still assumes no
           responsibility or liability for content or any loss or damage
           incurred as a result of the use of content, including User Content.
           During monitoring, information may be examined, recorded, copied, and
           used in accordance with our Privacy Policy.
     
     3. Digital Millennium Copyright Act.
        
        1. DMCA Notification We comply with the provisions of the Digital
           Millennium Copyright Act applicable to Internet service providers (17
           U.S.C. §512, as amended). If you have an intellectual property
           rights-related complaint about material posted on the Shareholder
           Service, you may contact our Designated Agent at the following
           address:
           
           A Say Inc.
           ATTN: Copyright Agent
           85 Willow Rd
           Menlo Park, CA 94025
           Email: copyright@saytechnologies.com
           
           Any notice alleging that materials hosted by or distributed through
           the Shareholder Service infringe intellectual property rights must
           include the following information:
           
           i. an electronic or physical signature of the person authorized to
           act on behalf of the owner of the copyright or other right being
           infringe;
           
           ii. a description of the copyrighted work or other intellectual
           property that you claim has been infringed;
           
           iii. a description of the material that you claim is infringing and
           where it is located on the Shareholder Service;
           
           iv. your address, telephone number, and email address;
           
           v. a statement by you that you have a good faith belief that the use
           of the materials on the Shareholder Service of which you are
           complaining is not authorized by the copyright owner, its agent, or
           the law; and
           
           vi. a statement by you that the above information in your notice is
           accurate and that, under penalty of perjury, you are the copyright or
           intellectual property owner or authorized to act on the copyright or
           intellectual property owner’s behalf.
        
        2. Repeat Infringers. Say will promptly terminate the accounts of users
           that are determined by Say to be repeat infringers. Say considers a
           “repeat infringer” to be any user that has uploaded User Content to
           or through the Shareholder Service and for whom Say has received more
           than two takedown notices compliant with the provisions of 17 U.S.C.
           § 512 with respect to such User Content. Say has discretion, however,
           to terminate the account of any user after receipt of a single
           notification of claimed infringement or upon Say’s own determination.
     
     4. Third Party Services and Linked Websites.
        
        1. Say may provide tools through the Shareholder Service that enable you
           to exchange (receive and export) information with third party
           services, including through features that allow you to link your
           account on the Say website with an account on a third party service,
           such as Plaid. By using one of these tools, you agree that Say may
           transfer that information to the applicable third party service and
           that your use of an account linked with a third party service will
           also be subject to the terms and conditions of that third party
           service. For example, if you choose to link your account to Plaid,
           your use of the linked account will be subject to Plaid’s Terms of
           Use, located at www.plaid.com/legal. Third party services are not
           under Say’s control, and, to the fullest extent permitted by law, Say
           is not responsible for any third party service’s use of your exported
           information. The Shareholder Service may also contain links to third
           party websites. Linked websites are not under Say’s control, and Say
           is not responsible for their content.

 9.  Modification of these Terms. We reserve the right to change these Terms on
     a going-forward basis at any time. Please check these Terms periodically
     for changes. If a change to these Terms materially modifies your rights or
     obligations, we may require that you accept the modified Terms in order to
     continue to use the Service. Material modifications are effective upon your
     acceptance of the modified Terms. Immaterial modifications are effective
     upon publication. Except as expressly permitted in this Section 8, these
     Terms may be amended only by a written agreement signed by authorized
     representatives of the parties to these Terms. Disputes arising under these
     Terms will be resolved in accordance with the version of these Terms that
     was in effect at the time the dispute arose.

 10. Term, Termination and Modification of the Service
     
     1. Term. These Terms are effective beginning when you accept the Terms or
        first access or use the Service, and ending when terminated as described
        in Section 10.2.
     
     2. Termination. If you violate any provision of these Terms, your
        authorization to access the Service and these Terms automatically
        terminate. In addition, Say may, at its sole discretion, terminate these
        Terms or suspend or terminate your access to the Service, at any time
        for any reason or no reason, with or without notice, to the fullest
        extent permitted by applicable law. You may terminate your account and
        these Terms at any time by sending an email to
        support@saytechnologies.com with a request to delete the account. Please
        use the subject line “Delete Account” and include the phone number
        associated with the account in your message. We will then reply
        confirming that the account has been deleted.
     
     3. Effect of Termination. Upon termination of these Terms: (a) your license
        rights will terminate and you must immediately cease all use of the
        Service; (b) you will no longer be authorized to access your account or
        the Service; and (c) Sections 3.3, 4, 8.2, 8.4, 9, 10.3, 10.4, 11, 12,
        13, 14 and 15 will survive.
     
     4. Modification of the Service. Say reserves the right to modify or
        discontinue the Service at any time (including by limiting or
        discontinuing certain features of the Service), temporarily or
        permanently, without notice to you. Say will have no liability for any
        change to the Service or any suspension or termination of your access to
        or use of the Service.

 11. Indemnity To the fullest extent permitted by law, you are responsible for
     your use of the Service, and you will defend and indemnify Say, Say’s
     affiliates, and its and their officers, directors, employees, consultants,
     and agents (together, the “Say Entities”) from and against every claim
     brought by a third party, and any related liability, damage, loss, and
     expense, including reasonable attorneys’ fees and costs, arising out of or
     connected with: (a) your unauthorized use of, or misuse of, the Service;
     (b) your violation of any portion of these Terms, any representation,
     warranty, or agreement referenced in these Terms, or any applicable law or
     regulation; (c) your violation of any third party right, including any
     intellectual property right or right of privacy, publicity,
     confidentiality, or other property right; or (d) any dispute or issue
     between you and any third party. We reserve the right, at our own expense,
     to assume the exclusive defense and control of any matter otherwise subject
     to indemnification by you (without limiting your indemnification
     obligations with respect to that matter), and in that case, you agree to
     cooperate with our defense of those claims.

 12. Disclaimers; No Warranties
     
     SAY IS NOT A LICENSED BROKER, BROKER-DEALER, MARKET MAKER, INVESTMENT
     BANKER, INVESTMENT ADVISOR, ANALYST, AGENT BANK OR UNDERWRITER. SAY DOES
     NOT SELL OR OFFER TO SELL ANY SECURITIES OR OTHER INVESTMENT PRODUCTS AND
     NONE OF THE INFORMATION CONTAINED IN THE SERVICE CONSTITUTES A
     RECOMMENDATION, SOLICITATION OR OFFER BY SAY TO BUY OR SELL ANY SECURITIES,
     FUTURES, OPTIONS OR OTHER FINANCIAL INSTRUMENTS OR PROVIDE ANY INVESTMENT
     ADVICE OR SERVICE. ADDITIONALLY, THE AVAILABILITY OF INFORMATION REGARDING
     ANY SECURITIES DOES NOT CONSTITUTE AN OFFER TO BUY OR SELL THE UNDERLYING
     SECURITIES.
     
     SAY SHALL NOT BE RESPONSIBLE OR LIABLE FOR THE ACCURACY, USEFULNESS OR
     AVAILABILITY OF ANY INFORMATION TRANSMITTED OR MADE AVAILABLE VIA THE
     SERVICE (INCLUDING, THE ACCURACY OF ANY INFORMATION PROVIDED VIA THE
     SERVICE AND THE ACCURACY OF THE TRANSCRIPTION OR TRANSMISSION OF ANY
     INFORMATION FROM THE ORIGINAL INFORMATION OR SOURCE DOCUMENT), AND SHALL
     NOT BE RESPONSIBLE OR LIABLE FOR ANY TRADING OR INVESTMENT DECISIONS BASED
     ON SUCH INFORMATION.
     
     SAY MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE AVAILABILITY OR
     LEGALITY OF THE USE OF THE SERVICE IN ANY JURISDICTION WHERE SUCH USE WOULD
     NOT BE PERMITTED.
     
     THE SERVICE AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICE ARE
     PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. SAY DISCLAIMS ALL
     WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, OTHER THAN THOSE
     IMPLIED BY LAW, RELATING TO THE SERVICE AND ALL MATERIALS AND CONTENT
     AVAILABLE THROUGH THE SERVICE, INCLUDING: (A) ANY IMPLIED WARRANTY OF
     MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT,
     OR NON-INFRINGEMENT; AND (B) ANY WARRANTY ARISING OUT OF COURSE OF DEALING,
     USAGE, OR TRADE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. SAY
     DOES NOT WARRANT THAT THE SERVICE OR ANY PORTION OF THE SERVICE, OR ANY
     MATERIALS OR CONTENT OFFERED THROUGH THE SERVICE, WILL BE UNINTERRUPTED,
     SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, AND SAY
     DOES NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED.
     
     NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE
     SERVICE OR SAY ENTITIES OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE
     SERVICE WILL CREATE ANY WARRANTY REGARDING ANY OF THE SAY ENTITIES OR THE
     SERVICE THAT IS NOT EXPRESSLY STATED IN THESE TERMS. WE ARE NOT RESPONSIBLE
     FOR ANY DAMAGE THAT MAY RESULT FROM THE SERVICE AND YOUR DEALING WITH ANY
     OTHER SERVICE USER. YOU UNDERSTAND AND AGREE THAT YOU USE ANY PORTION OF
     THE SERVICE AT YOUR OWN DISCRETION AND RISK, AND THAT WE ARE NOT
     RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM
     OR MOBILE DEVICE USED IN CONNECTION WITH THE SERVICE) OR ANY LOSS OF DATA,
     INCLUDING USER CONTENT.
     
     THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS IN THIS SECTION APPLY TO THE
     FULLEST EXTENT PERMITTED BY LAW. THESE TERMS DO NOT AFFECT THE LEGAL
     GUARANTEE OF CONFORMITY FOR GOODS THAT CONSUMERS LOCATED IN THE EU BENEFIT
     FROM.

 13. Limitation of Liability
     
     TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE SAY ENTITIES
     BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR
     PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR ANY
     OTHER INTANGIBLE LOSS) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE
     OF, OR YOUR INABILITY TO ACCESS OR USE, THE SERVICE OR ANY MATERIALS OR
     CONTENT ON THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT
     (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR
     NOT ANY SAY ENTITY HAS BEEN INFORMED OF THE POSSIBILITY OF DAMAGE.
     
     EXCEPT AS PROVIDED IN SECTION 14.4 AND TO THE FULLEST EXTENT PERMITTED BY
     LAW, THE AGGREGATE LIABILITY OF THE SAY ENTITIES TO YOU FOR ALL CLAIMS
     ARISING OUT OF OR RELATING TO THE USE OF OR ANY INABILITY TO USE ANY
     PORTION OF THE SERVICE OR OTHERWISE UNDER THESE TERMS, WHETHER IN CONTRACT,
     TORT, OR OTHERWISE, IS LIMITED TO $100.
     
     EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY,
     DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED TO AND DOES
     ALLOCATE THE RISKS BETWEEN THE PARTIES UNDER THESE TERMS. THIS ALLOCATION
     IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES.
     EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER
     PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION 13 WILL APPLY
     EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
     
     NOTHING IN THESE TERMS AFFECTS YOUR LEGAL RIGHTS AS A CONSUMER LOCATED IN
     THE EU.

 14. Dispute Resolution and Arbitration
     
     1. Generally. In the interest of resolving disputes between you and Say in
        the most expedient and cost effective manner, and except as described in
        Section 14.2, you and Say agree that every dispute arising in connection
        with these Terms will be resolved by binding arbitration, unless you are
        a consumer located in the EU. Arbitration is less formal than a lawsuit
        in court. Arbitration uses a neutral arbitrator instead of a judge or
        jury, may allow for more limited discovery than in court, and can be
        subject to very limited review by courts. Arbitrators can award the same
        damages and relief that a court can award. This agreement to arbitrate
        disputes includes all claims arising out of or relating to any aspect of
        these Terms, whether based in contract, tort, statute, fraud,
        misrepresentation, or any other legal theory, and regardless of whether
        a claim arises during or after the termination of these Terms. YOU
        UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND SAY ARE
        EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS
        ACTION.
     
     2. Exceptions. Despite the provisions of Section 14.1, nothing in these
        Terms will be deemed to waive, preclude, or otherwise limit the right of
        either party to: (a) bring an individual action in small claims court;
        (b) pursue an enforcement action through the applicable federal, state,
        or local agency if that action is available; (c) seek injunctive relief
        in a court of law in aid of arbitration; or (d) to file suit in a court
        of law to address an intellectual property infringement claim.
     
     3. Arbitrator. Any arbitration between you and Say will be settled under
        the Federal Arbitration Act and administered by the American Arbitration
        Association (“AAA”) under its Consumer Arbitration Rules (collectively,
        “AAA Rules”) as modified by these Terms. The AAA Rules and filing forms
        are available online at www.adr.org, by calling the AAA at
        1-800-778-7879, or by contacting Say. The arbitrator has exclusive
        authority to resolve any dispute relating to the interpretation,
        applicability, or enforceability of this binding arbitration agreement.
     
     4. Notice of Arbitration; Process. A party who intends to seek arbitration
        must first send a written notice of the dispute to the other party by
        certified U.S. Mail or by Federal Express (signature required) or, only
        if that other party has not provided a current physical address, then by
        electronic mail (“Notice of Arbitration”). Say’s address for Notice is:
        ATTN: Legal, 85 Willow Road, Menlo Park, CA 94025. The Notice of
        Arbitration must: (a) describe the nature and basis of the claim or
        dispute; and (b) set forth the specific relief sought (“Demand”). The
        parties will make good faith efforts to resolve the claim directly, but
        if the parties do not reach an agreement to do so within 30 days after
        the Notice of Arbitration is received, you or Say may commence an
        arbitration proceeding. All arbitration proceedings between the parties
        will be confidential unless otherwise agreed by the parties in writing.
        During the arbitration, the amount of any settlement offer made by you
        or Say must not be disclosed to the arbitrator until after the
        arbitrator makes a final decision and award, if any. If the arbitrator
        awards you an amount higher than the last written settlement amount
        offered by Say in settlement of the dispute prior to the award, Say will
        pay to you the higher of: (i) the amount awarded by the arbitrator; or
        (ii) $10,000.
     
     5. Fees If you commence arbitration in accordance with these Terms, Say
        will reimburse you for your payment of the filing fee, unless your claim
        is for more than $10,000, in which case the payment of any fees will be
        decided by the AAA Rules. Any arbitration hearing will take place at a
        location to be agreed upon in New York, New York, but if the claim is
        for $10,000 or less, you may choose whether the arbitration will be
        conducted: (a) solely on the basis of documents submitted to the
        arbitrator; (b) through a non-appearance based telephone hearing; or (c)
        by an in-person hearing as established by the AAA Rules in the county
        (or parish) of your billing address. If the arbitrator finds that either
        the substance of your claim or the relief sought in the Demand is
        frivolous or brought for an improper purpose (as measured by the
        standards set forth in Federal Rule of Civil Procedure 11(b)), then the
        payment of all fees will be governed by the AAA Rules. In that case, you
        agree to reimburse Say for all monies previously disbursed by it that
        are otherwise your obligation to pay under the AAA Rules. Regardless of
        the manner in which the arbitration is conducted, the arbitrator must
        issue a reasoned written decision sufficient to explain the essential
        findings and conclusions on which the decision and award, if any, are
        based. The arbitrator may make rulings and resolve disputes as to the
        payment and reimbursement of fees or expenses at any time during the
        proceeding and upon request from either party made within 14 days of the
        arbitrator’s ruling on the merits.
     
     6. No Class Actions. YOU AND SAY 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, unless both you and Say agree otherwise, the arbitrator may not
        consolidate more than one person’s claims, and may not otherwise preside
        over any form of a representative or class proceeding.
     
     7. Modifications to this Arbitration Provision. If Say makes any future
        change to this arbitration provision, other than a change to Say’s
        address for Notice of Arbitration, you may reject the change by sending
        us written notice within 30 days of the change to Say’s address for
        Notice of Arbitration, in which case your account with Say will be
        immediately terminated and this arbitration provision, as in effect
        immediately prior to the changes you rejected will survive.
     
     8. Enforceability. If Section 14.6 is found to be unenforceable or if the
        entirety of this Section 14 is found to be unenforceable, then the
        entirety of this Section 14 will be null and void and, in that case, the
        parties agree that the exclusive jurisdiction and venue described in
        Section 15.2 will govern any action arising out of or related to these
        Terms.

 15. Miscellaneous
     
     1. General Terms. These Terms, together with the Privacy Policy, Say
        Disclosures, and any other agreements expressly incorporated by
        reference into these Terms, are the entire and exclusive understanding
        and agreement between you and Say regarding your use of the Service. You
        may not assign or transfer these Terms or your rights under these Terms,
        in whole or in part, by operation of law or otherwise, without our prior
        written consent. We may assign these Terms at any time without notice or
        consent. The failure to require performance of any provision will not
        affect our right to require performance at any other time after that,
        nor will a waiver by us of any breach or default of these Terms, or any
        provision of these Terms, be a waiver of any subsequent breach or
        default or a waiver of the provision itself. Use of section headers in
        these Terms is for convenience only and will not have any impact on the
        interpretation of any provision. Throughout these Terms the use of the
        word “including” means “including but not limited to”. If any part of
        these Terms is held to be invalid or unenforceable, the unenforceable
        part will be given effect to the greatest extent possible, and the
        remaining parts will remain in full force and effect.
     
     2. Governing Law. These Terms are governed by the laws of the State of New
        York without regard to conflict of law principles. You and Say submit to
        the personal and exclusive jurisdiction of the state courts and federal
        courts located within New York, New York for resolution of any lawsuit
        or court proceeding permitted under these Terms. We operate the Service
        from our offices in New York, and we make no representation that
        Materials included in the Service are appropriate or available for use
        in other locations. If you are a consumer located in the EU, such
        jurisdiction of the New York courts will be non-exclusive.
     
     3. Privacy Policy. Please read the Say Privacy Policy carefully for
        information relating to our collection, use, storage, disclosure of your
        personal information. The Say Privacy Policy is incorporated by this
        reference into, and made a part of, these Terms.
     
     4. Additional Terms. Your use of the Service is subject to all additional
        terms, policies, rules, or guidelines applicable to the Service or
        certain features of the Service that we may post on or link to from the
        Service (the “Additional Terms”). All Additional Terms are incorporated
        by this reference into, and made a part of, these Terms.
     
     5. Consent to Electronic Communications. By using the Service, you consent
        to receiving certain electronic communications from us as further
        described in our Privacy Policy. Please read our Privacy Policy to learn
        more about our electronic communications practices. You agree that any
        notices, agreements, disclosures, or other communications that we send
        to you electronically will satisfy any legal communication requirements,
        including that those communications be in writing.
     
     6. Contact Information. The Service is offered by Say Technologies LLC. You
        may contact us by emailing us at hello@saytechnologies.com.
     
     7. No Support. We are under no obligation to provide support for the
        Service. In instances where we may offer support, the support will be
        subject to published policies.
     
     8. International Use. The Shareholder Service is intended for users located
        within the United States. The Partner Service is available to Partners
        that have contractual relationships with us and their customers who may
        access our website from the United States, EEA and the Swiss
        Confederation. We make no representation that the Service is appropriate
        or available for use outside of the jurisdictions listed above. Access
        to the Service from countries or territories or by individuals where
        such access is illegal is prohibited.


CONTACT US

To report an incident you can go to
www.saytechnologies.com/say-incident-report-form and fill out the form. If you
have any questions about these terms, you may contact us by email at
hello@saytechnologies.com or by writing us at:

85 Willow Rd

Menlo Park, CA 94025

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