Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE WEBSITE.

  1. Open Beta
    This Project is in Open Beta. Use of Union Protocol poses a significant risk of loss.

    USE AT YOUR OWN RISK.

    YOU ACKNOWLEDGE THAT THERE ARE CERTAIN RISKS ASSOCIATED WITH USING THE SERVICES DESCRIBED HEREIN AND AGREE TO ASSUME SUCH RISKS UPON ANY USE OF THESE SERVICES. IN ADDITION, NOTE THAT THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER, WHICH, IF APPLICABLE TO YOU, AFFECT YOUR LEGAL RIGHTS. BY ACCESSING OR USING UNION PROTOCOL, YOU SIGNIFY THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS AGREEMENT IN ITS ENTIRETY. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICES DESCRIBED HEREIN.
  2. Introduction
    These terms of use are entered into by and between you (“You”) and Union Protocol Labs, Inc. (“Union”, “we” or “us”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of unn.finance, including any content, functionality and services offered on or through unn.finance, c-op.unn.finace, or any other Union website (the “Website”).

    The Website serves as an interface to the decentralized Union protocol on the Ethereum blockchain. These Terms of Use apply to You as a user of the Website and the Union interface, including all the products, services, tools and information made available on the Website. These Terms of Use apply to any person accessing the Website and by using the Website you agree to be bound by them.

    Please read the Terms of Use carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to You, You accept and agree to be bound and abide by these Terms of Use in addition to

    Our Privacy Policy, incorporated herein by reference; and

    Our Cookie Policy, incorporated herein by reference.

    IF YOU DO NOT AGREE TO THESE TERMS OF USE OR THE PRIVACY POLICY, YOU MUST NOT ACCESS OR USE THE WEBSITE.
  3. The Website
    As part of the Website, Union provides access to various decentralized finance applications (“Applications”) on the Ethereum blockchain, that allow You to interact with Ethereum Assets (“Virtual Assets”) to transact using smart contracts (“Smart Contracts”).

    The peer-to-peer Collateral Optimization Product Application (“C-OP”) allows sellers of protection and buyers of protection to transact using Smart Contracts.

    Using the Union Protocol may require that You pay a fee, such as gas on the Ethereum network to perform a transaction. You acknowledge and agree that Union has no control over any transactions, the method of payment of any transactions, or any actual payments of transactions. Always make sure You have a sufficient balance in your wallet address (“Virtual Asset Wallet”) to complete any transaction on the Union protocol before initiating such transaction. An insufficient balance will cause your transaction to fail.

    You acknowledge and agree that Union has no control over any transaction(s) over the Union protocol, the method of payment of any transactions or any actual payments of transactions. As such, You must make sure You have a sufficient balance of the applicable Virtual Asset available for use in your Union protocol compatible Virtual Asset Wallet to complete any transaction(s) on the Union protocol or the Ethereum network prior to initiating such transaction(s).
  4. Union is not a Party to any Transactions involving the Applications or other Transactions with You.
    We are not a party to any interaction or other agreement with You. This is true even if the Website allows you to utilize Union Applications or provides other ancillary products or services. Union offers Applications that allow for Peer-to-Peer interactions. You acknowledge and agree to defend and indemnify Union, its affiliated companies, and any of their officers, directors, employees, and agents form and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature including but not limited to reasonable legal and accounting fees, brought by third parties as a result of:
    • Your breach of these Terms of Use or the documents referend herein;
    • Your violation of any law or the rights of a third party; or
    • Your use of this Website.
    These Terms of Service are not intended to, and do not, create or impose any fiduciary duties on Us. To the fullest extent permitted by law, You acknowledge and agree that we owe you no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocable disclaimed, waived, and eliminated. You further agree that the only duties and obligations Union owes You are those expressly set out in these Terms of Service.
  5. No Professional Advice
    Union is not providing You any financial, legal, or other advice. All information provided by the Website is for informational purposes only and should not be considered professional advice. You should not take, or refrain from taking, any action based on any information contained found on the Website. Always seek independent professional advice from a licensed and trusted individual who is qualified in the area from which such advice would be appropriate.
  6. Who May Use the Website
    The Website is offered and available to users who are 18 years of age or older. The Website is not intended for anyone under 18 years of age. If you reside in a jurisdiction where the age of majority is over 18 years of age, You represent that You are at least the age of majority in your jurisdiction. By using the Website, you represent and warrant that you (i) are 18 years of age or older, (ii) are not barred to use the Website under any applicable law, (iii) have reached the age of majority in your jurisdiction, and (iv) are using the Website only for your own personal use. If you do not meet these requirements, you must not access or use the Website.
  7. Changes to the Terms of Use
    We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them.

    Your continued use of the Website following the posting of revised Terms of Use means that You accept and agree to the Changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on You.
  8. Accessing the Website and Account Security
    Access to the Website is provided “as is” and “as available” basis only. We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We do not guarantee that our Website or any content on it, will always be available or uninterrupted. We do not guarantee the Website, or any content on it, will be free from errors or omissions. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users.

    We reserve the right, at any time and in our sole discretion, to limit the availability of the Website to any person, geographic area, or jurisdiction we so desire. We reserve the right, at any time and in our sole discretion, to terminate Your access to and use of the Website. We may suspend or disable Your access to the Website if we consider it reasonable to do.

    We will not be liable to You for any loss or damage You may suffer as a result of the Website being unavailable at any time for any reason.

    You are responsible for:

    *Making all arrangements necessary for You to have access to the Website.

    *Ensuring that all persons who access the Website through your internet connect are aware of these Terms of Use and comply with them.

    *Maintaining and securing your Virtual Asset Wallet. This includes, but is not limited to, keeping all associated passwords and credentials confidential.

    To access the Website, the Applications, or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information You provide on the Website is correct, current, and complete. You agree that all information you provide to register using the Website or otherwise, including, but not limited to, using any interactive features of the Website, is governed by our Privacy Policy, and You consent to all actions we take with respect to your information consistent with our Privacy Policy.

    You should use particular caution when inputting personal information on to the Website on a public or shared computer so that others are not able to view or record your personal information.
  9. Intellectual Property Rights
    The Website and its entire contents features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Union, its licensors or other providers of such material and are protected by copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

    Unless otherwise marked: (a) all material, data, and information on the Website, such as data files, text, music, audio files or other sounds, photographs, videos, or other images, but excluding any software of computer code (collectively, the “Non-Code Content”) is licensed under the Creative Commons Attribution 4.0 International License and (b) all software or computer code (collectively, the “Code Content”) is licensed under the MIT License.
  10. Trademarks
    The Union name, the Union logo and all related names, logos, product and service names, designs and slogans are trademarks of Union or its affiliates or licensors. You must not use such marks without the prior written permission of Union. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.
  11. Prohibited Uses
    You may use the Website only for lawful purposes and in accordance with these Terms of Use. You will comply with all applicable laws of your jurisdiction. You will comply with all applicable international laws, statues, ordinances, and regulations applicable to your use of the Website.

    By choosing to enter this Website, You are affirming under oath and penalties of perjury that all of the following statements are true and correct:

    *I have attained the Age of Majority in my jurisdiction;
    *The interactions with the Website and Applications are for my own personal use;
    *I believe that as an adult it is my inalienable right to receive and/or view and/or interact with Decentralized Financial Website and Applications;
    *The viewing, reading, and interacting with Decentralized Financial Websites and Applications do not violate the standards of any community, town, city, state, country, or jurisdiction where I will be viewing, reading, and/or interacting with the Applications;
    *I am solely responsible for any false disclosures or legal ramifications of viewing, reading, and/or interacting with the Website or Applications. I further agree that neither this Website nor its affiliates will be held responsible for any legal ramifications arising from any fraudulent entry into or use of this Website or Applications;
    *I am not a citizen, resident, or member of any jurisdiction or group that is subject to economic sanctions by the Republic of Panama, the United States, or the European Union, or where your use of the Website would be illegal or otherwise violate applicable law;
    *I understand that my use of the Website and Applications are governed by these Terms of Service which I have reviewed and accepted, and I agree to be bound by such Terms;
    *These Terms of Service constitutes a legally binding agreement. If any provision of these Terms of Service are found to be unenforceable, the remainder shall be enforced as fully as possible and the unenforced provision(s) shall be deemed modified to the limited extend required to permit the enforcement in a manner most closely representing the intentions as expressed herein; and
    *I understand that providing a false declaration under the penalties of perjury is a criminal offense.

    You agree not to use the Website:

    *In any way that violates any relevant and applicable anti-money laundering and anti-terrorist financing laws and any relevant and applicable privacy and data collection laws, in each case as may be amended from time to time.

    *In any way that violates any applicable law, rule, or regulation concerning the integrity of trading markets, including, but not limited to, the manipulative tactics commonly known as wash trading and spoofing.

    *In any way that violates any applicable federal, state, province, territorial, municipal, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the Republic of Panama or other countries).

    *In any way that circumvents (or attempts to circumvent) any security measures on the Website.

    *For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise.

    *To send, knowingly receive, upload, downlead, use or re-use any material which does not comply with these Terms of Use.

    *To transmit, or precure the sending of, any advertising or promotional material without our prior written consent, including any “junk mail”, “chain letter”, or “spam” or any other similar solicitation.

    *To impersonate or attempt to impersonate Union, a Union employee, a Union vendor, another user or any other person or entity (including, without limitation, by using e-mail addresses, wallet addresses, or screen names accosted with any of the foregoing).

    *To post content or communications on the Website that are, in our sole discretion, inappropriate, defamatory, pornographic, libelous, obscene, hateful, offensive, fraudulent, deceptive, or otherwise objectionable.

    *To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm Union or users of the Website or expose them to liability.

    *To trick, encourage, promote, or induce any third party to engage in any of the Prohibited Uses under these Terms of Use.

    Additionally, You agree not to:

    *Use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.

    *Use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.

    *Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent.

    *Use any device, software or routine that interferes with the proper working of the Website.

    *Introduce any viruses, trojan horses, malware, worms, logic bombs or other material which is malicious or technologically harmful.

    *Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.

    *Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.

    *Otherwise attempt to interfere with the proper working of the Website.
  12. Risks
    By accessing and using the Website, You represent and understand the inherent risks associated with using virtual assets, cryptographic systems, and blockchain-based systems, and that You have a working knowledge of the intricacies, interdependencies, and usages of virtual assets such a bitcoin (BTC), ether (ETH), and other virtual assets such as those following the Ethereum Token Standard (ERC-20) and non-fungible tokens (ERC-721). You further understand that the markets for virtual assets are highly volatile due to a multitude of factors (such as adoption, speculation, technology, security, and regulation). You acknowledge that the cost and speed of transacting with virtual assets and blockchain-based systems, such as Ethereum, are variable and may increase dramatically at any time.

    You acknowledge the risk that your virtual assets may lose some or all of their value while they are supplied to the Protocol. You further acknowledge that Union is not responsible for any of these variables or risks, does not own or control the Protocol, and cannot be held liable for any resulting losses that you experience while accessing or using the Website.

    You acknowledge that the Website and your use of the Website contain certain risks, including, without limitation, the following risks:

    *That any Smart Contract you interreact with are entirely your own responsibility and liability, and that Union is not party to the Smart Contracts.

    *At any time, your access to your Virtual Asset Wallet may be suspended or terminated or there may be an interruption in your access or use of your Virtual Asset Wallet which may result in the virtual asset diminishing in value or You being unable to complete a Smart Contract transaction.

    *If You are a Liquidity Provider, You will lose Virtual Assets in the event the Smart Contract funds a protection claim from the liquidity pool your Virtual Assets are staked into. Never send Virtual Assets to a Smart Contract you cannot afford to lose.

    *If you are a Liquidity Provider, You will be unable to withdraw your Virtual Assets when the liquidity in any liquidity pool you are staked into falls below the minimum capital ratio. Never send Virtual Assets to a Smart Contract you cannot afford to lose.

    *If You are a borrower of Virtual assets and if your collateral declines, other users may seize some or all of your collateral to in order to close out your borrowed virtual asset balance.

    *The Website and/or Applications may be suspended or terminated for any or no reason, which may limit your access to your virtual assets.

    As such, You expressly agree that:
    • You assume all risk in connection with your access and use of the Website, the Applications, and the Smart Contracts.
    • You expressly waive and release Union from and all liability, claims, causes of action, or damages arising from or in any way related to your use of the Website, the Applications, or the Smart Contracts.
    ACCORDINGLY, YOU UNDERSTAND AND AGREE TO ASSUME FULL RESPONSIBILITY FOR ALL OF THE RISKS OF ACCESSING AND USING THE WEBSITE AND INTERACTING WITH THE PROTOCOL.
  13. Reliance on Information Posted
    The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance You place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by You or any other visitor to the Website, or by anyone who may be informed of any of its contents.

    This Website includes content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content explicitly provided by Union, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessary reflect the opinion of Union. We are not responsible, or liable to You or any third party, for the content or accuracy of any materials provided by any third parties.
  14. Changes to the Website
    We may update the content of this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.
  15. Information about You and Your Visits to the Website
    The Website may record and collect information about You, your computer, and your interaction with the Website in accordance with our Privacy Policy and Cookie Policy.

    All information we collect on this Website is subject to our Privacy Policy and Cookie Policy. By using the Website, you explicitly consent to all actions taken by us with respect to your information in compliance with the Privacy Policy and Cookie Policy.

    Union may publish, reference, or circulate date we have collated from time to time in accordance with our Privacy Policy and Cookie Policy. These references may be selective or partial. Due to the nature of continuously changing Virtual Asset pricing, published information may not be current and should not be relied upon.

    Union will use commercially reasonable safeguards to preserve the integrity and security of your personally identifiable information (“PII”) and aggregate data. Nevertheless, we cannot guarantee unauthorized third parties will never be able to access or obtain your PII or aggregate PII data for unauthorized purposes. You acknowledge that you provide your PII and aggregate data at your own risk. By accessing and using the Website, you understand and consent to our collection, use, and disclosure of your PII and aggregate data.

    Union has engaged CipherTrace Inc. to monitor suspicious virtual asset transactions. This is an anti-money laundering (AML) compliance solution for monitoring cryptocurrency transactions. By monitoring our transactions, Union is able to receive real-time alerts to help mitigate exposure to regulatory and repetitional risk. Their system will help our compliance team focus on the most urgent activity and enforce compliance policies while better allocating resources. This is a necessary step to ensure Union remains fully regulatory compliant.
    Union will carefully review all subpoena request we receive. We will comply with all valid subpoena requests and governmental inquiries and We will challenge invalid, overbroad, or unlawful requests as appropriate.
  16. Linking to the Website and Social Media Features
    You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.
  17. Links from the Website
    If the Website contains hyperlinks or references to other sites and resources provided by third parties, these links are provided for Your information and convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. Union has no control over the contents of those sites or resources, and accepts no responsibility for them or for any damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use of such websites. The display of any hyperlinks and references to any third-party website does not mean that Union endorses that third-party website, products, or services. We reserve the right to withdraw linking permission without notice.
  18. Geographic Restrictions
    The Owner of the Website is based in the Republic of Panama. We make no claims that the Website or any of its content is accessible or appropriate outside of the Republic of Panama. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the Republic of Panama, you do so on your own initiative and are responsible for compliance with local laws.
  19. Disclaimer of Warranties
    You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses, bugs, or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.

    You understand that we cannot and no not guarantee that the use of the Website, or any content taken from the Website, will not infringe upon the rights of any third party.

    All content and information on the Website is strictly for informational purposes only and is not intended to address your particular requirements. You explicitly understand and agree that the content, material, and information on the Website does not constitute any form of advice or recommendation by us, should not be regarded as an offer, solicitation, invitation, or recommendation to buy or sell investments, securities, insurance, or any other financial services and is not intended to be relied upon by You in making any specific investment or other decisions. We suggest that you seek independent advice from a trusted financial advisor before making any such decision. Union is not an insurance company. Union is not a financial advisor.

    Nothing included on the Website constitutes an offer or solicitation to sell, or distribution of, insurance and related services to anyone in any jurisdiction.

    Nothing included on the Website constitutes an offer or solicitation to sell, or distribution of, investments and related services to anyone in any jurisdiction.

    WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, EXPLOIT, VIRUSES OR OTHER TECHNOLOGGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPTMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YHOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THRUOGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITES LINKED TO IT.

    YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITMES OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER UNION OR ANY PERSON ASSOCIATED WITH UNION MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER UNION NOR ANYONE ASSOCIATED WITH UNION REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICVES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

    UNION HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

    SOME JURISDICTIONS DO NOT ALLOW EXCLUSIONS OF WARRANTIES OR LIMITATIONS ON THE DURATION OF IMPLIED WARRANTIES, SO THE ABOVE DISCLAIMER MAY NOT APPLY TO YOU IN THEIR ENTIRETIES, BUT WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
  20. Limitation on Liabilities
    IN NO EVENT WILL UNION, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGE OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLDUING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNATIVE DAMAGES, INCLUDING BUT NOT LIMTIED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONRTACT OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW WHICH MAY INCLUDE FRAUD. UNDER NO CIRCUMSTNACES SHALL WE OR ANY OF OUR OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, OR SUBSIDIARIES BE LIABLE TO YOU FOR ANY CLIAMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, OR COSTS IN AN AMOUNT EXCEEDING THE AMOUNT YOU PAID TO US IN EXCHANGE FOR ACCESS TO AND USE OF THE WEBSITE, OR $100.00 USD, WHICHEVER IS GREATER. THIS LIMITATION OF LIABILITYH SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.
  21. Indemnification
    You agree to defend, indemnify and hold harmless Union, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to Your violation of these Terms of Use or Your use of the Website, including, but not limited to, any use of the Website’s content, services and products other than as expressly authorized in these Terms of Use or Your use of any information obtained from the Website.
  22. Governing Law and Jurisdiction
    All matters relating to the Website and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputed or claims), shall be governed by and construed in accordance with the internal laws of the Republic of Panama without giving effect to any choice or conflict of law provision or rule (whether of the Republic of Panama or any other jurisdiction).

    You further agree that the Website shall be deemed to be based solely in the Republic of Panama, and that although the Website may be available in other jurisdictions, its availability does not give rise to general or specific personal jurisdiction in any forum outside of the Republic of Panama.

    Any legal suit, action, dispute, controversy, or claim arising out of, or related to, these Terms of Use or the Website shall be settled by binding arbitration exclusively in the Republic of Panama although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over You by such courts and venue in such courts.

    You agree that all disputes, controversies, or claims must be brought in Your individual capacity, and not as a plaintiff or class member in any purported class action, collective action or other representative proceeding. This waiver applies to class arbitration, and unless we agree otherwise, the arbitrator may not consolidate more than one person’s claims. You agree that, by entering into this Agreement, you and Union are each waiving the right to a trial by jury or to participate in a class action, collective action, or other representative proceeding of any kind.

    YOU HEREBY AGREE AND UNDERSTAND THAT YOU ARE REQUIRED TO RESOLVE ALL DISPUTES BY BINDING ARBITRATION. The arbitration shall be held on a confidential basis before a single arbitrator. The arbitration will be held in the Republic of Panama unless You and we both agree to hold it elsewhere. Unless we agree otherwise, the arbitrator may not consolidate your claims with those of any other party. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
  23. Waiver and Severability
    No waiver by Union or any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Union to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

    If any provision of these Terms of Use is hold by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
  24. Entire Agreement
    The Terms of Use, our Privacy Policy, and Cookie Policy constitute the sole and entire agreement between You and Union with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website.
  25. Your Comments and Concerns
    This Website is operated by Union. All other feedback, comments, requests for technical support and other communications relating to the Website should be directed to: info@unn.finance.