Introduction

Welcome to RateX Network, a software-as-a-service (SaaS) platform designed to provide sophisticated analytical tools and DEX terminal functionalities specifically tailored for users engaging with the rapidly evolving cryptocurrency and decentralized finance (DeFi) ecosystems. The following Terms of Use ("Terms") constitute a legally binding agreement between you ("User" or "you") and RateX Network Foundation ("RateX", "we", "us" or "our"), governing your access to and use of the RateX platform, website, mobile applications, and any associated content, features, or services (collectively, the "Platform" or "Services").

Acceptance of Terms

By accessing, browsing, registering for, or using the Platform in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately cease all use of the Platform. These Terms apply to all users of the Platform, including without limitation users who are browsers, customers, merchants, and/or contributors of content.

Nature of the Services Provided

RateX provides software that allows users to access advanced analytical tools, real-time data aggregation, and functionalities related to decentralized exchanges through our DEX terminal. The Services are designed to empower users with insights and data-driven tools to make independent decisions when engaging with third-party decentralized protocols and services.

Our software offers powerful data analytics, charting, and research tools that provide users with insights into market trends, asset performance, and other relevant financial data.

RateX’s DEX terminal serves as an interface allowing users to view and interact with decentralized exchanges (DEXs). It includes functionalities such as swap execution, order routing, and access to liquidity aggregators from connected third-party protocols.

The Platform may provide access to third-party DeFi services, tools, or products. RateX facilitates this access solely as a technical interface, without control over the underlying blockchain transactions or third-party actions.

No Financial or Investment Services

RateX is a technology provider and does not offer, provide, or facilitate any financial, investment, brokerage, custodial, or advisory services. Our Platform does not execute trades, custody funds, or act as a financial intermediary between users and third parties. All transactions, swaps, and other financial activities initiated via the Platform occur directly between users and the connected third-party services, with no intervention, oversight, or control by RateX.

The use of RateX does not establish any fiduciary or advisory relationship between RateX and the User. RateX does not manage, control, or influence any investment decisions made by the User.

The information, data, and tools provided by RateX are intended solely for informational and educational purposes. Users are encouraged to conduct their own research and seek professional advice where necessary before making any financial or investment decisions.

User Responsibility and Compliance

As a User, you acknowledge and agree that you are solely responsible for ensuring that your use of the Platform and any transactions you engage in through third-party services comply with applicable laws, regulations, and any relevant contractual obligations. You represent and warrant that you are of legal age and have the legal capacity to enter into these Terms, and that your use of the Platform will not violate any law, regulation, or terms of any contract you are a party to.

You are responsible for complying with all applicable laws, including but not limited to securities laws, anti-money laundering (AML) regulations, and tax obligations in your jurisdiction.

You acknowledge that engaging in cryptocurrency and DeFi markets involves significant risks, including market volatility, regulatory uncertainties, and potential security risks inherent in blockchain technology. RateX disclaims any responsibility for losses incurred due to such risks.

Limitation of Liability and Disclaimers

RateX provides its Services on an "as-is" and "as-available" basis without any warranties or representations, express or implied. We do not guarantee the accuracy, reliability, or completeness of any data, analytics, or content provided through the Platform, nor do we warrant that the Services will be uninterrupted, error-free, or free from viruses or other harmful components. RateX expressly disclaims all liability for any direct, indirect, incidental, consequential, or special damages arising from or in connection with your use of the Platform.

RateX makes no representations regarding the outcome of any transaction or decision made based on the data or tools provided through the Platform. You bear full responsibility for your own investment decisions and actions.

The Platform may contain links to or integrations with third-party DeFi services, exchanges, or protocols. RateX is not responsible for the actions, content, or performance of these third parties, and your interactions with such services are governed by the terms and policies of the respective third parties.

Amendments to Terms

RateX reserves the right to modify, amend, or update these Terms at any time. We will notify you of significant changes by posting the revised Terms on the Platform and updating the “Last Updated” date above. Continued use of the Platform following any such changes constitutes your acceptance of the revised Terms. It is your responsibility to regularly review these Terms to stay informed of any updates.

Contact Information

If you have any questions, concerns, or feedback regarding these Terms, or if you require support related to your use of the Platform, please contact us at core@ratex.ai. We value your feedback and are committed to ensuring a transparent and fair user experience.

SECTION I. DEFINITIONS

RateX: RateX Network Foundation (Delaware 651 N Broad St, Suite 201, in the city of Middletown, zip code 19709), the company that owns and operates the RateX Platform, including its website, applications, software, and content.

Platform: Our software application available as both a web-based (online) platform and a mobile app for Android and iOS devices. It includes the proprietary software developed and provided by RateX, including but not limited to analytical tools, data aggregation systems, DEX terminal functionalities, and any updates, patches, or enhancements thereto.

User: Any individual or entity that registers for and uses the services provided by RateX through Platform.

Account: The registered account created by the User on the Platform to access it.

Cryptocurrency: A digital or virtual currency that uses cryptography for security and operates independently of a central authority.

DEX terminal: Any products, services, tools, protocols, or applications that are not owned or controlled by RateX but may be accessible through or interact with the Platform, including but not limited to decentralized finance (DeFi) protocols, external analytics providers, or blockchain networks.

Third-Party: Any products, services, tools, protocols, or applications that are not owned or controlled by RateX but may be accessible through or interact with the Platform, including but not limited to decentralized finance (DeFi) protocols, external analytics providers, or blockchain networks.

Third-party services: Any products, services, tools, protocols, or applications that are not owned or controlled by RateX but may be accessible through or interact with the Platform, including but not limited to decentralized finance (DeFi) protocols, external analytics providers, or blockchain networks.

Transaction: transfer, exchange, swap, or other movement of digital assets or cryptocurrencies conducted through Third-Party Services facilitated via the Platform.

KYC: Know Your Customer, a verification process where RateX collects user information to comply with AML regulations.

AML: Anti-Money Laundering, a set of laws and regulations aimed at preventing money laundering activities within the financial and cryptocurrency markets.

Analytics: Data analysis, market insights, charts, graphs, and other informational outputs generated by the RateX Software for the User’s benefit.

Subscription: The paid or free membership plans offered by RateX that provide Users with access to various levels of the Services;.

Fees: Any charges, commissions, percentages, or other costs associated with using certain aspects of the Platform, such as subscription fees for accessing premium analytics Platform tools.

License: The limited, non-exclusive, non-transferable right granted to the User to access and use the Platform and Services in accordance with these Terms.

Intellectual property: All patents, copyrights, trademarks, trade secrets, and other proprietary rights owned by RateX in relation to the Platform and Services.

Third-party: means any vendors that are in relationships with RateX. Third parties include service providers, additions, and integrations to the Platform (e.g., payment processing), software provider, and any other entities engaged by us to fulfill Terms.

SECTION II. SUBJECT MATTER AND GRANT OF LICENSE

2.1 Subject Matter

These Terms govern your access to and use of the Platform, including all software, tools, content, and services provided by RateX. By using the Platform, you acknowledge and agree that RateX provides proprietary software solutions for analytics and decentralized finance ("DeFi") interaction.

2.2 Grant of License

RateX hereby grants you a limited, non-exclusive, non-transferable, revocable License to access and use the Platform, including its analytical tools, DEX Terminal functionalities, and other related software, strictly in accordance with these Terms. This License is granted solely for your personal or business use and for the purpose of utilizing the Services as intended by the Platform.

2.3 Description of the Services

The Platform includes the following elements, which are created and developed by RateX:

• Analytical Tools: The Platform provides sophisticated analytics, including data aggregation, market insights, charting tools, and other functionalities designed to assist Users in assessing cryptocurrency markets. These tools are provided "as-is" and do not constitute personalized financial or investment advice.
• DEX Terminal: The Platform includes an interface that allows Users to interact with decentralized finance protocols, enabling actions such as swapping digital assets and aggregating offers from third-party providers. RateX does not execute or settle these transactions but serves solely as a facilitator by providing the software interface.
• Service Limitations: While RateX endeavors to provide accurate and reliable tools, the Platform operates on an "as-is" and "as-available" basis.

2.4 License Restrictions

The License granted to you is subject to the following restrictions:

• No Resale or Redistribution: You may not resell, sublicense, or distribute the Platform or any part of it to any third party.
• No Modification or Derivative Works: You may not alter, modify, adapt, reverse-engineer, decompile, or create derivative works of the Platform or its underlying software.
• Personal Use Only: The License is granted exclusively for your individual or internal business purposes and must not be used for unlawful or unauthorized activities.
• Compliance with Terms: You must use the Platform strictly in accordance with these Terms, as well as any applicable laws and regulations.

2.5 Intellectual Property Rights

RateX retains all rights, title, and interest in and to the Platform, including all associated intellectual property. Nothing in these Terms shall be construed as transferring or granting you any ownership rights in the Platform or its content. You agree to respect all intellectual property rights of RateX and third-party providers.

2.6 No Warranty or Liability for Third-Party Services

RateX is not responsible for the actions, omissions, or performance of any third-party services accessible through the Platform, including decentralized exchanges or blockchain protocols. Users acknowledge that all transactions conducted through third-party services are at their own risk and are subject to the terms and conditions of those third parties.

2.7 Revocation of License

RateX reserves the right to suspend, revoke, or terminate your License at its sole discretion if you breach these Terms or engage in any prohibited activities, as detailed in clause 3.4 below.

SECTION III. USER OBLIGATIONS AND RESPONSIBILITIES

3.1 Compliance with Applicable Laws

As a User of the Platform, you agree to comply with all applicable laws, regulations, and rules, including but not limited to those governing cryptocurrencies, digital assets, anti-money laundering (AML), and countering the financing of terrorism (CFT). It is your responsibility to ensure that your use of the Platform does not violate any laws or regulations in your jurisdiction.

3.2 Accurate and Complete Information

To access certain features of the Platform, including the creation of an Account, you must provide accurate, current, and complete information during the registration process. You agree to promptly update such information to ensure its accuracy. Failure to provide accurate information may result in suspension or termination of your access to the Platform.

3.3 Security of Account

You are solely responsible for maintaining the confidentiality and security of your Account credentials, including but not limited to your username, password, and any private keys associated with your use of the Platform. You agree to:

• Notify RateX immediately of any unauthorized access or breach of security involving your Account.
• Take appropriate steps to secure your digital wallets and private keys, which are not managed or controlled by RateX.

RateX shall not be liable for any loss or damage arising from unauthorized access to your Account or the compromise of your private keys.

3.4 Prohibited Activities

To maintain the integrity, security, and lawful use of the Platform, RateX strictly prohibits the following activities. By using the Platform, you agree not to engage in, encourage, or facilitate any of the activities listed below:

3.4.1 Activities Violating Laws or Regulations

- Engaging in any transaction or activity that involves the proceeds of criminal activity.

- Using the Platform to launder money, finance terrorism, or conceal the origin of funds.

- Structuring transactions to evade reporting requirements under applicable AML/CFT laws.

- Accessing the Platform from or on behalf of a jurisdiction or individual subject to economic or trade sanctions, including sanctions enforced by the U.S. Department of Treasury’s Office of Foreign Assets Control (OFAC).

- Facilitating transactions involving sanctioned entities, individuals, or countries.

- Using the Platform to evade tax obligations in any jurisdiction.

3.4.2 Fraudulent and Deceptive Practices

Engaging in or facilitating pump-and-dump schemes, wash trading, spoofing, or any form of artificial market manipulation, and disseminating false or misleading information to influence cryptocurrency prices or trading activity.

Creating an Account or using the Platform under a false identity or by impersonating another individual or entity.

Using the Platform to distribute phishing links, malware, or fraudulent schemes aimed at stealing funds, credentials, or personal information from other Users.

3.4.3 Unauthorized Access and Security Violations

- Attempting to gain unauthorized access to the Platform, its systems, or other Users’ Accounts.

- Exploiting vulnerabilities or reverse-engineering the Platform’s software or security measures.

- Introducing viruses, trojans, worms, or other harmful software that disrupts or compromises the Platform’s functionality or security.

- Overloading the Platform’s infrastructure through excessive or abusive API calls, scraping, or other automated access methods without prior authorization.

3.4.4 Misuse of Platform Features and Intellectual Property

- Using the Platform for any purpose other than those explicitly permitted under these Terms.

- Copying, modifying, distributing, or reselling the Platform’s software or proprietary content without prior written permission from RateX.

- Extracting or aggregating data from the Platform for unauthorized commercial purposes or competitive analysis.

- Using proxies, VPNs, or other tools to bypass geographic or regulatory restrictions imposed by RateX.

3.4.5 Unethical Trading Practices

- Conducting trades based on material, non-public information obtained through the Platform or its Users.

- Using knowledge of pending transactions to place trades ahead of those transactions for personal gain.

- Misusing decentralized finance (DeFi) protocols or other Third-Party Services accessible through the Platform to engage in unethical or unlawful activities.

3.4.6 Abuse and Harmful Conduct

- Engaging in abusive, threatening, or harassing behavior towards other Users or RateX representatives.

- Conducting activities that intentionally disrupt or interfere with the normal operations of the Platform, such as distributed denial-of-service (DDoS) attacks.

- Filing fraudulent reports or complaints to manipulate the Platform’s systems or gain an unfair advantage.

3.4.7 Financial and Payments Fraud

- Initiating fraudulent payment disputes or chargebacks after receiving services from the Platform.

- Creating or simulating fake Transactions on the Platform to inflate activity or deceive other Users.

3.4.8 Misrepresentation of Digital Assets

- Listing or promoting digital assets that do not exist or lack underlying value.

- Using the Platform to trade or advertise digital assets without proper authorization or compliance with applicable regulations.

3.4.9 Encouraging or Facilitating Prohibited Activities

- Assisting or enabling others to engage in any prohibited activities outlined in these Terms.

- Allowing third parties to misuse your Account for activities that violate these Terms.

3.5 Consequences of Violations

Engaging in any prohibited activities may result in immediate suspension or termination of your Account, reporting to relevant regulatory authorities, and potential legal action. RateX reserves the right to investigate suspected violations and cooperate fully with law enforcement agencies in such investigations.

3.6 Fees and Payment Obligations

If you choose a paid Subscription or conduct Transactions subject to Fees, you agree to pay all applicable charges in accordance with the rates published on the Platform. All payments must be made using accepted payment methods, and you are responsible for ensuring that your payment details are accurate and up to date. Failure to pay Fees may result in suspension or termination of your access to premium features or the Platform itself.

3.7 Responsibility for Third-Party Transactions

You acknowledge and agree that any Transactions conducted via Third-Party Services accessible through the Platform are solely your responsibility.
RateX does not endorse, control, or guarantee the availability, performance, or security of any third-party protocols or blockchain networks. By using the Platform, you assume all risks associated with these Transactions.

3.8 Indemnification

You agree to indemnify, defend, and hold harmless RateX, its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, losses, or expenses (including reasonable legal fees) arising from:

• Your violation of these Terms.
• Your use of the Platform, including any misuse or unauthorized activities.
• Any Transactions you initiate or facilitate through Third-Party Services.

SECTION IV. COMPLIANCE AND LEGAL OBLIGATIONS

4.1 General Compliance Requirements

As a User of the RateX Platform, you are required to comply with all applicable local, state, federal, and international laws, including but not limited to laws related to Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT). RateX prohibits any use of the Platform for unlawful activities, including money laundering, terrorism financing, tax evasion, or other fraudulent practices.

4.2 Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT)

RateX is committed to upholding the highest standards of compliance with AML and CFT regulations. Users must not use the Platform to facilitate or engage in any activities that involve the laundering of funds or financing of terrorism. Suspicious transactions, patterns of unusual activity, or any indicators of potential non-compliance will be monitored and may be reported to appropriate regulatory authorities as required by law.

4.3 Account Creation and Due Diligence

To access the Platform, Users must create an Account by providing accurate, current, and complete information during the registration process. This includes personal details such as full name, email address, and other information required for identity verification.

RateX may conduct due diligence on all Users as part of its compliance framework. This process may include, but is not limited to:

• Verification of identity through government-issued identification, proof of address, or other documentation.
• Background checks to assess potential risks associated with unlawful activity.
• Ongoing monitoring of transactions and usage patterns to detect suspicious activities.

Providing false, misleading, or incomplete information during the account creation or due diligence process is strictly prohibited and may result in account suspension, termination, or other legal consequences.

4.4 Cooperation with Regulatory Authorities

RateX and its Users are required to cooperate fully with any legal or regulatory inquiries. This may include responding to subpoenas, sharing transaction records, or providing other information requested by authorities in connection with investigations or compliance audits. Users acknowledge that failure to cooperate may lead to immediate suspension or termination of access to the Platform.

4.5 Consequences of Non-Compliance

Any breach of the above compliance obligations may result in:

• Immediate suspension or termination of User accounts.
• Reporting of non-compliant activities to regulatory authorities.
• Legal action, including civil and criminal penalties, as determined by applicable laws.

By using the RateX Platform, you agree to abide by these compliance obligations and acknowledge that non-compliance may result in serious consequences, including legal action and the loss of access to the Platform. RateX reserves the right to update these obligations as necessary to align with evolving regulatory requirements.

SECTION V. USE OF THIRD-PARTY PRODUCTS

5.1 Overview of Third-Party Services

The RateX Platform integrates and facilitates access to a range of services, tools, and functionalities provided by third-party entities. RateX does not own, control, or operate these Third-Party Services. Instead, the Platform serves as a gateway or tool to interact with them.

5.2 Scope of RateX’s Role

RateX is solely a software provider that offers analytical tools and access to Third-Party Services through its Platform. The Platform is designed to assist Users in aggregating, analyzing, and interpreting data and facilitating interactions with Third-Party Services.
We:

• Don’t conduct transactions: Transactions involving digital assets, such as trades, transfers, or swaps, are executed solely by the Third-Party Services integrated into the Platform.
• Are not a broker or financial intermediary: RateX does not facilitate, manage, or guarantee any financial transactions or asset exchanges.
• Don’t assume liability: RateX is not responsible for the performance, accuracy, or functionality of Third-Party Services, nor for any outcomes resulting from their use.

5.3 Responsibilities of Users

Users are solely responsible for:

• Ensuring they understand the terms, conditions, and risks associated with using Third-Party Services.
• Conducting due diligence on Third-Party Services before initiating transactions or relying on their functionalities.
• Complying with all applicable laws and regulations, including those governing cryptocurrency transactions, taxes, and financial reporting.

5.4 Limitations of RateX’s Liability

RateX expressly disclaims any liability for the actions, omissions, or performance of Third-Party Services accessible through the Platform.

• RateX does not warrant or guarantee the reliability, accuracy, or completeness of data or services provided by Third-Party Services.
• RateX is not responsible for any loss, damage, or liability incurred due to delays, errors, or malfunctions in Third-Party Services.
• Any issues, disputes, or claims arising from the use of Third-Party Services must be resolved directly between the User and the respective third party.

5.5 Third-Party Terms of Use

Each Third-Party Service accessible through the Platform operates under its own terms, conditions, and privacy policies. Users are required to:

• Review and accept the applicable terms of Third-Party Services before engaging with them.
• Acknowledge that RateX has no control over, and is not a party to, these terms and agreements.

5.6 Assumption of Risk

Users acknowledge and accept that interactions with Third-Party Services involve inherent risks, including but not limited to:

• Potential loss of digital assets due to market volatility, operational errors, or security breaches.
• Legal and regulatory uncertainties related to the use of decentralized platforms and blockchain technologies.
• Limited recourse in the event of disputes with Third-Party Services.

By using the RateX Platform, you agree to assume full responsibility for your interactions with Third-Party Services and understand that RateX’s role is limited to providing tools and access without direct involvement in any transaction or operation.

5.7 Updates to Third-Party Integrations

RateX reserves the right to add, modify, or remove Third-Party Services integrated into the Platform at its sole discretion. Users will be notified of any significant changes that may impact their use of the Platform.

SECTION VI. INTELLECTUAL PROPERTY

6.1 Ownership of Intellectual Property

All intellectual property rights associated with the RateX Platform, including its proprietary software, design, content, trademarks, patents, and trade secrets, are owned exclusively by RateX or its licensors. This includes but is not limited to:

• The Platform’s code, algorithms, and architecture.
• Analytical tools, data aggregation systems, and DEX terminal functionalities.
• Logos, brand names, and trademarks associated with RateX.
• Documentation, user guides, and any materials made available through the Platform.

Users acknowledge that their use of the Platform does not grant them ownership or rights to any of RateX’s intellectual property beyond the limited license specified in these Terms.

6.2 License to Use the Platform

RateX grants Users a limited, non-exclusive, non-transferable, and revocable license to access and use the Platform in accordance with these Terms. This license is:

• Personal: Restricted to the individual or entity that has registered an Account on the Platform.
• Non-commercial: Prohibited from being used for purposes other than those intended by RateX, unless explicitly permitted.
• Conditional: Subject to compliance with all applicable laws, these Terms, and any other policies or agreements set forth by RateX.

6.3 Restrictions on Use

Users are strictly prohibited from:

• Copying, modifying, distributing, or creating derivative works of the Platform or its components.
• Reverse-engineering, decompiling, or attempting to extract the source code of the Platform.
• Using RateX’s trademarks, logos, or branding without prior written consent.
• Reselling, sublicensing, or otherwise transferring access to the Platform to third parties.

6.4 Third-Party Intellectual Property

The Platform may incorporate or provide access to intellectual property owned by third parties, including Third-Party Services. Users acknowledge that the rights to third-party intellectual property are governed by their respective terms and agreements, so RateX assumes no liability for unauthorized use of third-party intellectual property by Users.

6.5 Feedback and Suggestions

RateX encourages Users to provide feedback, suggestions, or ideas to improve the Platform. However, by submitting feedback, Users agree that the feedback becomes the property of RateX, and RateX may use it without restriction or obligation.

SECTION VII. DISCLAIMERS AND LIMITATION OF LIABILITY

7.1 Platform Provided "As Is"

The Platform, including all software, tools, and services, is provided on an "as is" and "as available" basis.

RateX makes no representations or warranties of any kind, either express or implied, regarding:

• The accuracy, reliability, or completeness of analytics or information provided.
• The uninterrupted or error-free operation of the Platform.
• Compatibility with all devices, operating systems, or third-party services.

To the maximum extent permitted by law, RateX disclaims all implied warranties, including but not limited to fitness for a particular purpose, merchantability, and non-infringement.

7.2 Third-Party Services

RateX is not responsible for the accuracy, security, legality, or operation of Third-Party Services. Users interact with these services at their own risk, and RateX disclaims any liability for damages arising from such interactions. By using Third-Party Services, Users acknowledge that:

• Transactions, data processing, or services conducted through third parties are outside the control of RateX.
• RateX does not guarantee the reliability, safety, or legality of third-party products or services.
• Users must independently review and comply with the terms of use and privacy policies of Third-Party Services.

7.3 No Financial or Investment Advice

The Platform is intended solely as a tool for analytics, insights, and access to Third-Party Services. It does not provide:

• Financial, investment, legal, or tax advice.
• Recommendations or endorsements for any transactions, assets, or strategies.

Users are solely responsible for evaluating risks and seeking independent advice before engaging in financial activities or transactions.

7.4 Limitation of Liability

To the fullest extent permitted by law, RateX, its affiliates, officers, directors, employees, and agents shall not be liable for any:

• Indirect, incidental, special, punitive, or consequential damages.
• Loss of profits, revenue, or data.
• Damages arising from: (1) inaccessibility or downtime of the Platform, (2) unauthorized access to User accounts or data, (3) Errors, bugs, or vulnerabilities in the Platform or Third-Party Services.

RateX’s total liability, under any circumstances, is limited to the amount paid by the User to RateX for the use of the Platform in the One (1) month preceding the claim.

7.5 User Responsibility

Users are responsible for safeguarding their Account credentials, private keys, and any digital assets or data stored on or accessed through the Platform. RateX disclaims liability for:

• Losses resulting from User negligence or improper use of the Platform.
• Unauthorized transactions conducted through compromised User accounts.

7.6 Assumption of Risk

Users acknowledge the inherent risks of engaging with cryptocurrency, DeFi tools, and related technologies. These include but are not limited to market volatility, cybersecurity threats, regulatory changes, and operational risks. RateX assumes no responsibility for financial losses or damages stemming from such risks.

7.7 Indemnification

Users agree to indemnify and hold harmless RateX Parties against claims, damages, losses, liabilities, and expenses arising from: (1) use of the Platform or Services; (2) violation of these Terms; (3) breach of applicable laws; (4) infringement of third-party rights.

SECTION VIII. MISCELLANEOUS

8.1 Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles. Any disputes arising out of or related to these Terms shall be resolved through binding arbitration under the rules of the American Arbitration Association, to be conducted in English and held in Wilmington, Delaware. Notwithstanding the foregoing, RateX reserves the right to seek injunctive or equitable relief in a court of competent jurisdiction to protect its Intellectual Property or enforce its rights under these Terms.

8.2 Termination and Suspension

RateX reserves the right to terminate or suspend your access to the Platform or Services, with or without notice, if:

• You violate these Terms or applicable laws.
• We detect fraudulent or unauthorized activity associated with your Account.
• It is necessary to comply with legal or regulatory requirements. Upon termination, your right to access the Platform and Services will cease immediately, and you must destroy all copies of the Platform’s software or content in your possession.

8.3 Updates to Terms

RateX may modify these Terms at any time by providing notice to Users through the Platform and website, or via email. Changes will become effective on the date specified in the notice. Continued use of the Platform after the effective date constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Platform.

8.4 Force Majeure

RateX shall not be held liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to acts of God, government actions, natural disasters, labor disputes, cyberattacks, or disruptions in telecommunications or internet services.

8.5 Severability

If any provision of these Terms is deemed unlawful, void, or unenforceable, the remaining provisions shall continue in full force and effect. The unenforceable provision shall be replaced by a valid provision that reflects the intent and economic purpose of the original provision.

8.6 Entire Agreement

These Terms constitute the entire agreement between you and RateX concerning the use of the Platform and Services, superseding any prior agreements, understandings, or communications, whether oral or written, related to the same subject matter.

8.7 Language

These Terms are written in English. In the event of any inconsistencies or discrepancies between the English version and any translated version, the English version shall prevail.