End User: Terms and Conditions

Last Updated: 12/12/2023

The following terms of service are terms of a legal agreement (the "Terms of Use") between you ("you", "your", or "user") and Palla Financial, Inc. doing business as Palla, its subsidiaries, affiliates, agents and assigns ("Palla", "we", "us", or "our") that sets forth the terms and conditions for your use of all of Palla's websites and all mobile applications (collectively, the "Site") and/or the products and services offered, operated or made available by Palla (collectively, the "Services"). This Site and Services are being provided to you expressly subject to these Terms of Use. By accessing, browsing and/or using the Site or the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and to comply with all applicable laws and regulations. These Terms of Use governs your use of the Site and the Services.

THESE TERMS OF USE INCLUDES A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION WAIVER. PLEASE REFER TO SECTION 23 BELOW FOR MORE INFORMATION.

Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Terms of Use, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms of Use to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site and the Services after the date such revised Terms of Use are posted.

The Services allow you to leverage different payment networks ("Third Party Systems") to send money from your existing bank account in the United States to recipient's ("Recipient") a bank account in another country. Your eligibility for an originating bank account that uses Visa Direct or Mastercard Send systems is the decision of originating banking partner ("Issuing Bank"). If you cannot obtain an Issuing Bank account, or your Issuing Bank account is closed, suspended, or inactive, you may not be able to use the Services. If the Recipient does not have or cannot obtain a bank account, you may not be able to use the Services to send money to that person. Additionally, your ability to use the Services is subject to Palla's review and approval.

SCAMS and FRAUD. Scams and fraud can occur in connection with money transfer services. Only send money to people you know. Do not share account details with anyone. Contact us if you have concerns about scams or fraud.

Palla is not a licensed money transmitter. All money transmission is provided by and through the Third Party Systems.

Sending Money Using the Services. You may use the Services to send funds to another country using the Third Party Services.
1. User Registration. You are required to register with on the Site and establish an account ("Palla App Login") with us in order to access the Services. You agree to not allow others to access your Palla App Login information. You are responsible for all use of your Palla Account information to access the Services
2. Issuing Bank and Third Party Systems Integration. In order to use the Services' payment functionality, you must have a U.S.-based Issuing Bank account that is compatible with either of the Third Party Systems. You authorize us to collect and share with the Third Party Systems your personal information including full name, date of birth, physical address, email address and third party bank account ("Bank Account") information, other information necessary to validate your identity. You are responsible for the accuracy and completeness of that data. You must separately agree to any terms provided by the Third Party Systems.
3. Funding Process. Any funds held in the Issuing Bank account that are directed for payment to a Recipient are transferred by the Third Party Systems to the recipient. "Available Funds" means the funds available by your Issuing Bank. You acknowledge and agree that the funds available to transfer via the Services Palla are limited to Available Funds. Palla has no control on the amount of Available Funds and is not liable if you are unable to use the Services due to a lack of Available Funds. When you initiate a transfer via our Services, we will instruct the Third Party Systems to initiate a debit in the amount of the transaction and any associated fees from your Issuing Bank account to the third-party's account in another country. We will also inform you if your Palla transaction cannot be completed.
4. Payments. Palla will send the Recipient a message with instructions on how to accept and receive the funds using the Palla system. If you want to send funds to a Recipient that is not registered with Palla, the recipient will need to establish an account before the Recipient is eligible to receive a payment. Once the Recipient has or opens a Palla account, the Recipient can receive funds directly into the account. If the Recipient does not receive the funds by the date promised, please contact us.
5. Fees. All fees imposed on Palla's transactions, including and the currency exchange rate, are displayed for senders before processing each transaction. The Issuing Bank may charge you fees related to your Issuing Bank account; Palla makes no guarantee that your use of the Services will not cause you to incur such fees. For more information on Issuing Bank fees, contact your bank. The Recipient's bank may charge the recipient fees. Palla makes no guarantee that your use of the Services will not cause the Recipient to incur such fees.
6. Foreign Exchange Rates. Palla and its partners may make money when you send transactions in U.S. Dollars that are converted into a Foreign Currency. Palla usually makes money based on the difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. If a foreign currency exchange rate applies, we will disclose it to you.
7. Taxes. There may be taxes imposed on receipt of funds in another country. When we are able, we will disclose those taxes to you. However, we cannot guarantee the accuracy of any such disclosure. If we cannot disclose taxes, we will inform you of this when you authorize a transaction.

Limitation on the Services. We may, at any time and in our sole discretion, restrict your ability to use the Services. This may include restricting your ability to send funds to certain recipients including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, United Nations Security Council Sanctions List, and such other lists as may be issued from time to time by government agencies. We may also, at any time and in our sole discretion and without prior notice, limit the amount to be transferred either in an individual transaction or an aggregated basis. We may reject or limit Transactions based on violations of these Term and Conditions, local laws and regulations or if we reasonably determine your use of the Services presents an unacceptable level of risk to us, our users, our systems, or our partners.

Consumer Purpose Only. You agree to only use the Services for your own personal, family, or household purposes. If we suspect you are using the Services for commercial or business purposes, we reserve the right to terminate your use of the Services.

Refunds & Cancellation. Most Palla transfers are delivered to Recipients immediately. You can cancel your transfer within 30 minutes of authorizing the transaction unless funds have already been deposited into the recipient's account. We do not guarantee your ability to cancel any transaction if you contact us more than 30 minutes after you authorize a transaction. We will provide a refund to you within three (3) business days, unless funds have already been deposited into the recipient's account. To request a refund, contact us at support@palla.app or (954) 459-3032.

Error Resolution. If you think there has been an error or problem with a transfer of funds,
1. call us at: (954) 459-3032
2. Write us at: 429 Lenox Ave, Miami Beach, FL, 33139
3. E-mail us at: support@palla.app
You must contact us within 180 days of the date we promised to you that your funds would be made available to the recipient. We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

Prohibited Transactions.You may not use the Service in violation of these Terms of Use or applicable laws, rules or regulations. It is a violation of these Terms of Use to use the Service for any of the following activities (without limitation): sexually-oriented materials or services; gambling activities; fraud; money-laundering; funding terrorist organizations; purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances; or sending money to a recipient who has violated these Terms of Use. If you use the Service in connection with illegal conduct, we reserve the right to report you to the appropriate law enforcement agency or agencies. We may, in our sole discretion, cancel any transaction and terminate your use of the Services if we suspect they are being used for any purpose prohibited by these Terms of Use. You acknowledge that Palla is not liable for your use of the Services in violation of these Terms of Use.

Communications. You consent to our communicating with you via e-mail, text, and telephone. We may contact to discuss your use of the Services. We will not use telephone number for marketing purposes without your express consent, which you can revoke at any time.

Distribution Limited. The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Services are not available outside of the United States.

Age Restriction. The Site and the Services are intended for users who are at least 18 years of age.

Intellectual Property Rights and Limited License.Unless otherwise indicated, the Site and Services are our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site and Services (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, foreign jurisdictions, and international conventions unless otherwise noted. The Content and the Marks are provided on the Site and Services "AS IS" for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and the Services and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks.

User Representations. By using the Site or the Services, you represent and warrant that: (i) all registration information you submit will be true, accurate, current, and complete; (ii) you will maintain the accuracy of such information and promptly update such registration information as necessary; (iii) you have the legal capacity and you agree to comply with these Terms of Use; (iv) you are not under the age of 18; (v) you are not a minor in the jurisdiction in which you reside; (vi) you will not access the Site and the Services through automated or non-human means, whether through a bot, script or otherwise; (vii) you will not use the Site or the Services for any illegal or unauthorized purpose; and (viii) your use of the Site and the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site and the Services (or any portion thereof).

Electronic Fund Transfer Errors and Your Liability for Unauthorized Transactions.ALL QUESTIONS ABOUT TRANSACTIONS MADE WITH THE SERVICES MUST BE DIRECTED TO PALLA, AND NOT TO THE ISSUING BANK. We are responsible for the Services and for resolving any errors in transactions made with the Services.

We will not send you a periodic statement listing transactions that you make using Palla. The transactions will appear only on the statement issued by the Issuing Bank. SAVE THE RECEIPTS WE SEND YOU WHEN YOU USE THE SERVICES, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM THE ISSUING BANK. If you have any questions about one of these transactions, call or write us at (954) 459-3032 or 429 Lenox Ave, Miami Beach, FL, 33139.

IF PALLA APP LOGIN IS ACCESSED BY SOMEONE ELSE OR IF YOU LOSE ACCESS, NOTIFY US AT ONCE by calling or writing to us at (954) 459-3032 or 429 Lenox Ave, Miami Beach, FL, 33139. Telephoning is the best way of keeping your possible losses down. You could lose money. If you tell us within 2 business days after you learn of that someone else has accessed your Palla App Login, you can lose no more than $50 if someone used your access to the Services without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your username and password, and we can prove we could have stopped someone from using your username and password without your permission if you had told us, you could lose as much as $500.

Business Days. For purposes of these disclosures, our business days are Monday through Friday. Federal and Florida state holidays are not included.

Limitations. If you have completed the basic registration for use of the Services, the following limitations will apply:
1. Frequency of Transfers. You may only make 10 transfers using the Services per 30 day period.
2. Dollar Amount of Transfers. You may only transfer up to $1,000 using the Services per 30 day period.

Confidentiality. We will disclose information to third parties about your account or the transfers you make:
1. Where it is necessary for completing transfers, or
2. In order to comply with government agency or court orders, or
3. If you give us your written permission.

Documentation. We will provide you an electronic receipt for every transfer made using the Services.

Palla Disclaimer of Warranty. THE SERVICES AND SITE, IF APPLICABLE, ARE PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. PALLA, ITS SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUPPLIERS, VENDORS, AND SERVICE PROVIDERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. We make reasonable efforts to ensure that transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. This warranty does not waive any rights you may have under the Electronic Fund Transfer Act or any other applicable federal or state law. Notwithstanding the foregoing, you may have a right to a refund as expressly described in these Terms of Use.

Mobile Application License.
1. Use License. If you access the Site via a mobile application, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the mobile application on wireless electronic devices owned or controlled by you, and to access and use the mobile application on such devices strictly in accordance with the terms and conditions of this mobile application license contained in these Terms of Use. You shall not: (1) decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the application; (2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the application; (3) violate any applicable laws, rules, or regulations in connection with your access or use of the application; (4) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the application; (5) use the application for any revenue generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended; (6) make the application available over a network or other environment permitting access or use by multiple devices or users at the same time; (7) use the application for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the application; (8) use the application to send automated queries to any website or to send any unsolicited commercial e-mail; or (9) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the application.
2. Apple and Android Devices. The following terms apply when you use a mobile application obtained from either the Apple Store or Google Play (each an "App Distributor") to access the Services: (1) the license granted to you for our mobile application is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS or Android operating systems, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor&aposs terms of service; (2) we are responsible for providing any maintenance and support services with respect to the mobile application as specified in the terms and conditions of this mobile application license contained in these Terms of Use or as otherwise required under applicable law, and you acknowledge that each App Distributor has no obligation whatsoever to furnish any maintenance and support services with respect to the mobile application; (3) in the event of any failure of the mobile application to conform to any applicable warranty, you may notify the applicable App Distributor; (4) you represent and warrant that (i) you are not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a "terrorist supporting" country and (ii) you are not listed on any U.S. government list of prohibited or restricted parties; (5) you must comply with applicable third-party terms of agreement when using the mobile application, e.g., if you have a VoIP application, then you must not be in violation of their wireless data service agreement when using the mobile application; and (6) you acknowledge and agree that the App Distributors are third-party beneficiaries of the terms and conditions in this mobile application license contained in these Terms of Use, and that each App Distributor will have the right (and will be deemed to have accepted the right) to enforce the terms and conditions in this mobile application license contained in these Terms of Use against you as a third-party beneficiary thereof. Apple and Google are not a sponsor of any content or Services. Services.

Privacy Policy. We care about data privacy and security. By using the Site, you agree to be bound by our Privacy Policy available here, which is incorporated into these Terms of Use. Please be advised the Site is hosted in the United States. If you access the Site from the European Union, Asia, or any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Site, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States. Further, we do not knowingly accept, request, or solicit information from children or knowingly market to children. Therefore, in accordance with the U.S. Children&aposs Online Privacy Protection Act, if we receive actual knowledge that anyone under the age of 18 has provided personal information to us without the requisite and verifiable parental consent, we will delete that information from the Site as quickly as is reasonably practical.

Terms and Termination. These Terms of Use shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF USE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF USE OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

Modifications and Interruptions. We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.

We cannot guarantee the Site or Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site or Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site or Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site or Services. Nothing in these Terms of Use will be construed to obligate us to maintain and support the Site or Services or to supply any corrections, updates, or releases in connection therewith.

Governing Law. These Terms of Use and your use of the Site and Services are governed by and construed in accordance with the laws of the State of Florida applicable to agreements made and to be entirely performed within the State of Florida, without regard to its conflict of law principles.

Mandatory Arbitration & Dispute Resolution. If you have a dispute or other concern, please contact us immediately. We will do our best to resolve it. If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration on an individual basis. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA&aposs Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at the AAA website www.adr.org. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. If such costs are determined to by the arbitrator to be excessive, we will pay all arbitration fees and expenses. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in the federal judicial district of your residence or telephonically. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party.

If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in Miami-Dade County, Florida, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts.

In no event shall any Dispute brought by either Party related in any way to the Site or Services be commenced more than one (1) years after the cause of action arose unless permitted by the Electronic Fund Transfer Act. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

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

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

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

Disclaimer. EXCEPT WHERE REQUIRED BY LAW, THE SITE AND SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND SERVICES OFFERINGS AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE&aposS CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE OR THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE OR THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE OR THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE OR THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE OR THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

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

Electronic Communications, Transactions, and Signatures. Visiting the Site or using the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

Miscellaneous. These Terms of Use and any policies or operating rules posted by us on the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms of Use. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use.

Translation of Terms of Use. Any translation of these Terms of Use is provided solely for your convenience and is not intended to modify the terms of these Terms of Use. In the event of a conflict between the English version of these Terms of Use and a version in a language other than English, the English version shall control.

Contact Us. In order to resolve a complaint regarding the Site or the Services or to receive further information, please contact us at:

Palla Financial, Inc.
429 Lenox Ave
Miami Beach, FL 33139
Phone: (954) 459-3032
Email: support@palla.app