Terms and Conditions
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Ryflo Inc.
AGREEMENT TO OUR LEGAL TERMS
We are Ryflo Inc. ("Company," "we," "us," "our"), a company registered in the United States at 8 The Green #STE A, Dover, Delaware, 19901.
We operate the mobile application Ryflo: Social Investing for Gen-Z (the "App"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").
You can contact us by email at hello@ryflo.com, or by mail to 8 The Green #STE A, Dover, Delaware, 19901, United States.
These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Ryflo Inc., concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.
Supplemental terms and conditions or documents that may be posted on the Services 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 Legal Terms from time to time. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms 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 Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.
The Services are intended for users who are at least 18 years of age (or the age of majority in your jurisdiction, whichever is greater). Persons under the age of 18 are not permitted to use or register for the Services. If you are under 18 years of age, you may not create an account or use the Services, provide any personal information to us, and access any investment-related content or features.
We reserve the right to request proof of age or identity at any time and immediately terminate accounts of users under 18. We also refuse to restore accounts for users who provided false age information.
We recommend that you print a copy of these Legal Terms for your records.
TABLE OF CONTENTS
1. OUR SERVICES
2. INTELLECTUAL PROPERTY RIGHTS
3. USER REPRESENTATIONS
4. USER REGISTRATION
5. SUBSCRIPTIONS
6. PAPER TRADING AND VIRTUAL ACCOUNTS
7. PROHIBITED ACTIVITIES
8. USER GENERATED CONTRIBUTIONS
9. CONTRIBUTION LICENSE
10. SOCIAL FEATURES AND USER INTERACTIONS
11. GUIDELINES FOR REVIEWS
12. GUIDELINES FOR INVESTMENT-RELATED CONTENT
13. REGULATORY COMPLIANCE AND REPORTING
14. MOBILE APPLICATION LICENSE
15. SOCIAL MEDIA
16. THIRD-PARTY WEBSITES AND CONTENT
17. ADVERTISERS
18. SERVICES MANAGEMENT
19. PRIVACY POLICY
20. COPYRIGHT INFRINGEMENTS
21. TERM AND TERMINATION
22. MODIFICATIONS AND INTERRUPTIONS
23. GOVERNING LAW
24. DISPUTE RESOLUTION
25. EUROPEAN UNION AND UNITED KINGDOM USERS
26. CORRECTIONS
27. DISCLAIMER
28. INVESTMENT AND FINANCIAL DISCLAIMERS
29. LIMITATIONS OF LIABILITY
30. INDEMNIFICATION
31. USER DATA
32. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
33. CALIFORNIA USERS AND RESIDENTS
34. MISCELLANEOUS
35. CONTACT US
1. OUR SERVICES
The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services 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 tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services.
2. INTELLECTUAL PROPERTY RIGHTS
Our intellectual property
We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").
Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.
The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use or internal business purpose only.
Your use of our Services
Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to:
access the Services; and
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 or internal business purpose.
Except as set out in this section or elsewhere in our Legal Terms, no part of the 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.
If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: hello@ryflo.com. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.
We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.
Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.
Your submissions and contributions
Please review this section and the "PROHIBITED ACTIVITIES" section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services.
Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.
Contributions: The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality during which you may create, submit, post, display, transmit, publish, distribute, or broadcast content and materials to us or through the Services, including but not limited to text, writings, video, audio, photographs, music, graphics, comments, reviews, rating suggestions, personal information, or other material ("Contributions"). Any Submission that is publicly posted shall also be treated as a Contribution.
You understand that Contributions may be viewable by other users of the Services and possibly through third-party websites.
When you post Contributions, you grant us a license (including use of your name, trademarks, and logos): By posting any Contributions, you grant us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to: use, copy, reproduce, distribute, sell, resell, publish, broadcast, retitle, store, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part), and exploit your Contributions (including, without limitation, your image, name, and voice) for any purpose, commercial, advertising, or otherwise, to prepare derivative works of, or incorporate into other works, your Contributions, and to sublicense the licenses granted in this section. Our use and distribution may occur in any media formats and through any media channels.
This license includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide.
You are responsible for what you post or upload: By sending us Submissions and/or posting Contributions through any part of the Services or making Contributions accessible through the Services by linking your account through the Services to any of your social networking accounts, you:
confirm that you have read and agree with our "PROHIBITED ACTIVITIES" and will not post, send, publish, upload, or transmit through the Services any Submission nor post any Contribution that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading;
to the extent permissible by applicable law, waive any and all moral rights to any such Submission and/or Contribution;
warrant that any such Submission and/or Contributions are original to you or that you have the necessary rights and licenses to submit such Submissions and/or Contributions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions and/or Contributions; and
warrant and represent that your Submissions and/or Contributions do not constitute confidential information.
You are solely responsible for your Submissions and/or Contributions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party’s intellectual property rights, or (c) applicable law.
We may remove or edit your Content: Although we have no obligation to monitor any Contributions, we shall have the right to remove or edit any Contributions at any time without notice if in our reasonable opinion we consider such Contributions harmful or in breach of these Legal Terms. If we remove or edit any such Contributions, we may also suspend or disable your account and report you to the authorities.
Copyright infringement
We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately refer to the "COPYRIGHT INFRINGEMENTS" section below.
3. USER REPRESENTATIONS
By using the Services, you represent and warrant that:
(1) all registration information you submit will be true, accurate, current, and complete;
(2) you will maintain the accuracy of such information and promptly update such registration information as necessary;
(3) you have the legal capacity and you agree to comply with these Legal Terms;
(4) you are not a minor in the jurisdiction in which you reside;
(5) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise;
(6) you will not use the Services for any illegal or unauthorized purpose;
(7) your use of the Services will not violate any applicable law or regulation.
(8) You understand that Ryflo is an educational platform for learning about investing and that all trading is simulated;
(9) You will not rely on any content from the Services as the sole basis for making real investment decisions;
(10) You understand that paper trading results do not guarantee real trading success and may differ substantially from actual market results;
(11) You will consult with licensed financial professionals before making any real investment decisions with actual funds;
(12) You acknowledge that other users' posts, portfolios, and performance are for educational purposes only and do not constitute investment advice or recommendations.
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 Services (or any portion thereof).
4. USER REGISTRATION
You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.
5. SUBSCRIPTIONS
Subscription features are not currently available on the Services. This section will be updated prior to any subscription offering being made available. When subscription plans are introduced, users will be notified in advance and will have the opportunity to review updated terms before any charges are applied.
6. PAPER TRADING AND VIRTUAL ACCOUNTS
Simulated Trading Environment
All trading on Ryflo occurs in a simulated environment using virtual currency. No real money, securities, or assets are involved in any transactions on the platform.
When you "buy" or "sell" securities on Ryflo:
No actual securities are purchased or sold
No funds are transferred to or from any brokerage account
No orders are sent to any securities exchange or market
You do not acquire any ownership interest in actual securities
Virtual Currency
Each user account includes virtual currency ("Virtual Dollars") for paper trading purposes. Virtual Dollars:
Have no cash value and cannot be redeemed for real currency
Cannot be transferred, sold, or exchanged outside the platform
Are provided solely for educational and simulation purposes
May be reset, adjusted, or modified by us at any time
Market Data and Pricing
Market data displayed on the platform may be:
Delayed by 15 minutes or more
Sourced from third-party providers we do not control
Subject to errors, omissions, or technical issues
Not suitable for actual trading decisions
Simulation Limitations
Paper trading simulations DO NOT account for:
Real-world transaction costs (commissions, fees, spreads, slippage)
Market impact of large orders
Liquidity constraints and execution delays
Partial fills or order rejections
Emotional and psychological factors in real trading
Tax implications of real securities transactions
Margin requirements and margin calls in real accounts
User Portfolio Performance
You acknowledge that:
Simulated performance results are hypothetical
Past simulated performance does not predict future real trading results
Your paper trading success does not guarantee success in real markets
You may not publicly misrepresent simulated results as real trading performance
We may display aggregated or individual user performance for educational purposes
No Real Trading Services
Ryflo does not and will not:
Execute real securities orders
Provide access to real brokerage accounts
Hold, custody, or transfer real funds or securities
Facilitate actual securities transactions between users
If you wish to invest real money, you must use a properly licensed and registered broker-dealer separate from Ryflo.
7. PROHIBITED ACTIVITIES
You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.
As a user of the Services, you agree not to:
Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
Use any information obtained from the Services in order to harass, abuse, or harm another person.
Make improper use of our support services or submit false reports of abuse or misconduct.
Use the Services in a manner inconsistent with any applicable laws or regulations.
Engage in unauthorized framing of or linking to the Services.
Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
Delete the copyright or other proprietary rights notice from any Content.
Attempt to impersonate another user or person or use the username of another user.
Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms").
Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software.
Use a buying agent or purchasing agent to make purchases on the Services.
Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.
Use the Services to advertise or offer to sell goods and services.
Sell or otherwise transfer your profile.
Share misleading or fraudulent investment information
Impersonate another person, user, or entity
Engage in market manipulation or coordinated trading
Provide unlicensed financial advice
Post or distribute spam, promotional links, or multi-level marketing (MLM) schemes
Misusing the referral or promotional program by creating false, duplicate, inactive, or unused Ryflo accounts to obtain rewards or benefits
Misusing the Learn and Earn program by creating false, duplicate, inactive, or unused Ryflo accounts to access rewards or complete lessons dishonestly
Engage in or promote "pump and dump" schemes or market manipulation tactics
Coordinate group buying or selling of securities to manipulate prices
Share material non-public information (insider trading information)
Make specific buy/sell recommendations for individual securities to other users
Solicit money or real investment funds from other users
Advertise or promote unregistered securities offerings or ICOs
Impersonate financial professionals, analysts, or registered advisers
Make guarantees or promises of specific investment returns
Promote or link to unregistered investment schemes, MLMs, or fraudulent Opportunities
Post content designed to manipulate other users' investment decisions for personal benefit
Use the platform to gather investors for external investment opportunities
Share screenshots or results in ways that misrepresent paper trading as real performance
Create fake accounts to artificially inflate follower counts or portfolio performance
Engage in wash trading or other manipulative simulated trading practices
8. USER GENERATED CONTRIBUTIONS
The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that:
The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms.
You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.
Your Contributions are not false, inaccurate, or misleading.
Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).
Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
Your Contributions do not violate any applicable law, regulation, or rule.
Your Contributions do not violate the privacy or publicity rights of any third party.
Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.
Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.
Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation.
Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.
9. CONTRIBUTION LICENSE
By posting your Contributions to any part of the Services or making Contributions accessible to the Services by linking your account from the Services to any of your social networking accounts, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels.
This license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions.
We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.
We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions; (2) to re-categorize any Contributions to place them in more appropriate locations on the Services; and (3) to pre-screen or delete any Contributions at any time and for any reason, without notice.
10. SOCIAL FEATURES AND USER INTERACTIONS
Following and Social Connections
The Services allow you to follow other users, view their profiles, and see their paper trading activity.
You acknowledge that:
Following or viewing another user's portfolio does not constitute investment advice
Other users' trading activity is for educational observation only
You should not base real investment decisions on other users' simulated trades
Popular or successful users are not professional advisers or fiduciaries
Past performance of other users does not predict your future results
No Copy Trading or Automated Following
While you may manually observe other users' portfolios and trading ideas, you may not:
Use automated systems to replicate other users' trades
Offer or provide automated copy-trading services to other users
Represent yourself as providing investment signals or recommendations
Charge fees for access to your trades or investment ideas
Create paid subscription groups for investment recommendations
User Influencers and Popular Accounts
If your account gains a significant following, you acknowledge that:
You are not authorized to provide personalized investment advice
Your content must comply with all investment content guidelines
You may not monetize your following through investment-related services
You must disclose any conflicts of interest or compensation arrangements
We may impose additional content requirements on high-visibility accounts
Leaderboards and Performance Rankings
We may display leaderboards, performance rankings, and statistics showing user paper trading results. You acknowledge that:
Rankings are based solely on simulated performance, not real trading
High simulated performance does not indicate real trading skill
Leaderboard positions may not be used to solicit clients or promote services
We may adjust or remove rankings at any time
Rankings are for educational motivation only, not investment advice
No Compensation for User Content
You may not:
Charge other users for access to your investment ideas or trades
Require payment or subscriptions to view your portfolio
Solicit tips, donations, or other compensation related to investment content
Use the platform to recruit investors for external investment opportunities
Promote paid investment advisory services, newsletters, or subscriptions
Stock Tagging and Content-Linked Paper Trading
The Services allow content creators to tag financial instruments (stocks, ETFs, and other securities) in their posts and videos. When you use the "Ryflo It" feature to execute a simulated trade based on tagged content, you acknowledge that:
The tagged security represents a content label only, not a recommendation, signal, or inducement to buy or sell any security
The creator of the content has not necessarily traded, or recommended trading, the tagged security
Your decision to execute a simulated trade is entirely your own and independent of any content you have viewed
No creator on the platform is authorized to provide investment advice or recommendations through content, tags, or any other feature
Simulated trades executed via tagged content carry all the limitations described in Section 6 of these Terms
We are not responsible for any real-world financial decisions made based on content viewed or tags observed on the platform
11. GUIDELINES FOR REVIEWS
We may provide you areas on the Services to leave reviews or ratings. When posting a review, you must comply with the following criteria:
(1) you should have firsthand experience with the person/entity being reviewed;
(2) your reviews should not contain offensive profanity, or abusive, racist, offensive, or hateful language;
(3) your reviews should not contain discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability;
(4) your reviews should not contain references to illegal activity;
(5) you should not be affiliated with competitors if posting negative reviews;
(6) you should not make any conclusions as to the legality of conduct;
(7) you may not post any false or misleading statements;
(8) you may not organize a campaign encouraging others to post reviews, whether positive or negative.
We may accept, reject, or remove reviews at our sole discretion. We have absolutely no obligation to screen reviews or to delete reviews, even if anyone considers reviews objectionable or inaccurate. Reviews are not endorsed by us, and do not necessarily represent our opinions or the views of any of our affiliates or partners. We do not assume liability for any review or for any claims, liabilities, or losses resulting from any review. By posting a review, you hereby grant to us a perpetual, non-exclusive, worldwide, royalty-free, fully paid, assignable, and sublicensable right and license to reproduce, modify, translate, transmit by any means, display, perform, and/or distribute all content relating to review.
12. GUIDELINES FOR INVESTMENT-RELATED CONTENT
When posting, sharing, or discussing investment-related topics, you must:
Content Standards
Clearly label all content as educational opinion, not professional advice
Distinguish between factual information and personal opinion/speculation
Disclose any potential conflicts of interest or positions in discussed securities
Not make specific price predictions or guarantees of returns
Not solicit others to buy or sell specific securities
Include appropriate disclaimers when sharing investment ideas
Not misrepresent your credentials, experience, or qualifications
Prohibited Investment Content
You may not post content that:
Contains material non-public information (insider information)
Promotes illegal securities activities or unregistered offerings
Provides personalized investment advice to specific users
Guarantees investment outcomes or returns
Manipulates or attempts to manipulate user behavior for personal gain
Misrepresents paper trading results as real trading performance
Coordinates group trading activities to manipulate markets
Impersonates licensed financial professionals without disclosure
Educational Discussions Permitted
You may share:
Educational content about investment concepts and strategies
General market analysis and publicly available research
Your personal investment philosophy and approach
Your simulated portfolio holdings and paper trading performance (clearly labeled)
Links to properly disclosed third-party educational resources
Questions and discussions about investment topics
Platform Moderation Rights
We reserve the right to:
Remove any investment content that violates these guidelines
Flag content that may constitute unregistered investment advice
Suspend or terminate accounts engaged in market manipulation or fraud
Report suspected securities violations to appropriate authorities
Implement automated filters for prohibited investment content
Require additional disclaimers on certain types of investment content
Content Violation Enforcement — Three-Strike Policy
Ryflo operates a three-strike enforcement policy for violations of these Investment Content Guidelines and Community Standards:
First violation: 24-hour suspension of posting privileges, with written notice of the specific violation sent to your registered email address.
Second violation: 7-day suspension of all account activity, with written notice of the specific violation sent to your registered email address.
Third violation: Permanent account termination with no right of restoration.
Strikes are cumulative and do not reset. Each strike will be communicated to you via your registered email address with a description of the violating content and the specific guideline breached.
Immediate Termination Ryflo reserves the right to bypass this escalation process and immediately and permanently terminate any account engaged in severe violations, including but not limited to:
Coordinated market manipulation or pump-and-dump schemes
Sharing of material non-public information (insider trading)
Impersonation of licensed financial professionals
Content that may constitute criminal activity under applicable law
Any conduct that exposes Ryflo or its users to regulatory or legal risk
Appeals You may appeal any enforcement action by emailing hello@ryflo.com within 14 days of receiving notice. Appeals will be reviewed within 7 business days. Ryflo's decision on appeal is final.
13. REGULATORY COMPLIANCE AND REPORTING
You agree to comply with all applicable federal and state securities laws when using the Services, including but not limited to:
Securities Act of 1933
Securities Exchange Act of 1934
Investment Advisers Act of 1940
State securities "blue sky" laws
Anti-fraud and anti-manipulation provisions
Prohibited Regulated Activities
You may not use the Services to:
Conduct activities requiring broker-dealer registration
Provide investment advisory services without proper licensing
Offer or sell securities without registration or exemption
Engage in activities subject to FINRA regulation
Operate as an unregistered investment company or pooled fund
Suspicious Activity Reporting
We reserve the right to:
Monitor user activity for potential securities law violations
Report suspicious activity to the SEC, FINRA, or other regulators
Cooperate with regulatory investigations and enforcement actions
Preserve records and communications related to investigations
Suspend accounts pending investigation of potential violations
User Cooperation
You agree to:
Cooperate with any regulatory inquiries related to your account
Provide information requested in connection with investigations
Not interfere with or obstruct regulatory investigations
Acknowledge that we may disclose your information to regulators without notice
14. MOBILE APPLICATION LICENSE
Use License
If you access the Services via the App, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, and to access and use the App on such devices strictly in accordance with the terms and conditions of this mobile application license contained in these Legal Terms.
You shall not:
(1) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App;
(2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App;
(3) violate any applicable laws, rules, or regulations in connection with your access or use of the App;
(4) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the App;
(5) use the App for any revenue-generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended;
(6) make the App available over a network or other environment permitting access or use by multiple devices or users at the same time;
(7) use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App;
(8) use the App to send automated queries to any website or to send any unsolicited commercial email;
(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 App.
Apple and Android Devices
The following terms apply when you use the App 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 App 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’s terms of service;
(2) we are responsible for providing any maintenance and support services with respect to the App as specified in the terms and conditions of this mobile application license contained in these Legal Terms 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 App;
(3) in the event of any failure of the App to conform to any applicable warranty, you may notify the applicable App Distributor, and the App Distributor, in accordance with its terms and policies, may refund the purchase price, if any, paid for the App, and to the maximum extent permitted by applicable law, the App Distributor will have no other warranty obligation whatsoever with respect to the App;
(4) you represent and warrant that (i) you are not located in a country that is subject to a US government embargo, or that has been designated by the US government as a "terrorist supporting" country and (ii) you are not listed on any US government list of prohibited or restricted parties;
(5) you must comply with applicable third-party terms of agreement when using the App, e.g., if you have a VoIP application, then you must not be in violation of their wireless data service agreement when using the App;
(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 Legal Terms, 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 Legal Terms against you as a third-party beneficiary thereof.
15. SOCIAL MEDIA
As part of the functionality of the Services, you may link your account with online accounts you have with third-party service providers (each such account, a "Third-Party Account") by either: (1) providing your Third-Party Account login information through the Services; (2) allowing us to access your Third-Party Account, as is permitted under the applicable terms and conditions that govern your use of each Third-Party Account.
You represent and warrant that you are entitled to disclose your Third-Party Account login information to us and/or grant us access to your Third-Party Account, without breach by you of any of the terms and conditions that govern your use of the applicable Third-Party Account, and without obligating us to pay any fees or making us subject to any usage limitations imposed by the third-party service provider of the Third-Party Account. By granting us access to any Third-Party Accounts, you understand that (1) we may access, make available, and store (if applicable) any content that you have provided to and stored in your Third-Party Account (the "Social Network Content") so that it is available on and through the Services via your account, including without limitation any friend lists and (2) we may submit to and receive from your Third-Party Account additional information to the extent you are notified when you link your account with the Third-Party Account. Depending on the Third-Party Accounts you choose and subject to the privacy settings that you have set in such Third-Party Accounts, personally identifiable information that you post to your Third-Party Accounts may be available on and through your account on the Services. Please note that if a Third-Party Account or associated service becomes unavailable or our access to such Third-Party Account is terminated by the third-party service provider, then Social Network Content may no longer be available on and through the Services. You will have the ability to disable the connection between your account on the Services and your Third-Party Accounts at any time. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY SERVICE PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY SERVICE PROVIDERS. We make no effort to review any Social Network Content for any purpose, including but not limited to, for accuracy, legality, or non-infringement, and we are not responsible for any Social Network Content. You acknowledge and agree that we may access your email address book associated with a Third-Party Account and your contacts list stored on your mobile device or tablet computer solely for purposes of identifying and informing you of those contacts who have also registered to use the Services. You can deactivate the connection between the Services and your Third-Party Account by contacting us using the contact information below or through your account settings (if applicable). We will attempt to delete any information stored on our servers that was obtained through such a Third-Party Account, except the username and profile picture that become associated with your account.
16. THIRD-PARTY WEBSITES AND CONTENT
The Services may contain (or you may be sent via the App) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.
17. ADVERTISERS
Advertising features are not currently available on the Services. We reserve the right to introduce advertising and promotional opportunities in future versions of the platform. When advertising features are introduced, users will be notified in advance and relevant terms will be updated accordingly. Any future advertising arrangements will be clearly disclosed to users.
18. SERVICES MANAGEMENT
We reserve the right, but not the obligation, to:
(1) monitor the Services for violations of these Legal Terms;
(2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities;
(3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof;
(4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems;
(5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.
19. PRIVACY POLICY
We care about data privacy and security. Please review our Privacy Policy: https://www.ryflo.com/legal-content/privacy-policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from 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 Services, 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.
20. COPYRIGHT INFRINGEMENTS
We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a "Notification"). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Services infringes your copyright, you should consider first contacting an attorney.
21. TERM AND TERMINATION
These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (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 LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES 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.
22. MODIFICATIONS AND INTERRUPTIONS
We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.
We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the 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 Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.
23. GOVERNING LAW
These Legal Terms shall be governed by and defined following the laws of the State of Delaware. Ryflo Inc. and yourself irrevocably consent that the courts of the State of Delaware shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these Legal Terms.
24. DISPUTE RESOLUTION
You agree to irrevocably submit all disputes related to these Legal Terms or the legal relationship established by these Legal Terms to the jurisdiction of the United States courts. Ryflo Inc. shall also maintain the right to bring proceedings as to the substance of the matter in the courts of the country where you reside or, if these Legal Terms are entered into in the course of your trade or profession, the state of your principal place of business.
EU and UK Consumer Rights
Nothing in these Legal Terms is intended to limit or exclude any rights you have as a consumer under the mandatory laws of your country of residence that cannot be excluded or limited by contract.
If you are a consumer located in the European Union, you retain the right to bring disputes before the courts of your EU member state of residence, and you may also access the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.
If you are a consumer located in the United Kingdom, you retain the right to bring disputes before the courts of England and Wales, Scotland, or Northern Ireland, as applicable to your place of residence.
The dispute resolution provisions above apply only to the fullest extent permitted by applicable law in your jurisdiction. Where mandatory local consumer protection laws apply, those laws shall take precedence over any conflicting provision in these Legal Terms.
25. EUROPEAN UNION AND UNITED KINGDOM USERS
Applicability This section applies to users located in the European Union (EU), European Economic Area (EEA), and United Kingdom (UK). In the event of any conflict between this section and any other provision of these Legal Terms, this section shall prevail for EU, EEA, and UK users to the extent required by applicable law.
Consumer Rights If you are an EU, EEA, or UK consumer, you benefit from any mandatory provisions of the law of your country of residence. Nothing in these Legal Terms affects your rights as a consumer to rely on such mandatory provisions of local law.
Right of Withdrawal As Ryflo provides a digital service, please note that by accessing and using the Services you acknowledge that the performance of the contract begins immediately upon account creation. To the extent permitted by applicable law, you agree that your right of withdrawal may be limited once the digital content has begun to be delivered with your prior express consent.
Financial Promotion — UK Users If you are located in the United Kingdom, you acknowledge that:
Ryflo is not authorized or regulated by the Financial Conduct Authority (FCA)
The Services do not constitute a financial promotion as defined under the Financial Services and Markets Act 2000 (FSMA), as all trading on the platform is simulated and no real money or securities are involved
Nothing on the platform constitutes an invitation or inducement to engage in investment activity as defined under FSMA
You should not rely on any content on the platform as financial advice or as a basis for real investment decisions
EU Digital Services If you are located in the EU, you acknowledge that:
Ryflo operates as an intermediary platform hosting user-generated content
We maintain content moderation policies as described in these Legal Terms
You may report illegal content or harmful material by contacting us at hello@ryflo.com
We will respond to valid content reports in accordance with applicable EU law
GDPR and UK GDPR The processing of your personal data is governed by our Privacy Policy, which is incorporated into these Legal Terms by reference and complies with the General Data Protection Regulation (GDPR) and UK GDPR as applicable to your location. Please review our Privacy Policy at https://www.ryflo.com/legal-content/privacy-policy for full details of your data protection rights.
Applicable Law for EU/UK Users Without prejudice to any mandatory provisions of applicable local law, these Legal Terms are governed by the laws of the State of Delaware. However, EU and UK consumers retain all rights afforded to them under the mandatory consumer protection laws of their country of residence, which cannot be waived or excluded by contract.
EU Online Dispute Resolution The European Commission provides an online dispute resolution platform accessible at https://ec.europa.eu/consumers/odr. We are not obligated to participate in dispute resolution proceedings before a consumer arbitration board, but we will make reasonable efforts to resolve disputes amicably. You may contact us directly at hello@ryflo.com before initiating any formal dispute resolution process.
26. CORRECTIONS
There may be information on 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 Services at any time, without prior notice.
27. DISCLAIMER
THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE 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 SERVICES 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 SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES 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 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 SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH 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 SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH 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.
28. INVESTMENT AND FINANCIAL DISCLAIMERS
Ryflo is NOT a Broker-Dealer, Investment Adviser, or Financial Institution. Ryflo Inc. is not a registered broker-dealer, investment adviser, registered investment company, or financial institution.
We do not:
Execute real securities transactions
Hold custody of funds or securities
Provide personalized investment advice
Recommend specific securities for purchase or sale
Act as a fiduciary to any user
Not Financial, Investment, Legal, or Tax Advice
ALL CONTENT ON THE PLATFORM, INCLUDING BUT NOT LIMITED TO EDUCATIONAL MATERIALS, MARKET DATA, ANALYSIS, USER POSTS, COMMENTS, AND PORTFOLIO SIMULATIONS, IS PROVIDED FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. NOTHING ON THIS PLATFORM CONSTITUTES FINANCIAL, INVESTMENT, LEGAL, TAX, OR OTHER PROFESSIONAL ADVICE.
WE MAKE NO GUARANTEES THAT USING THE PLATFORM WILL IMPROVE YOUR INVESTMENT KNOWLEDGE, SKILLS, OR FUTURE INVESTMENT PERFORMANCE.
You should not interpret any information on the Services as personalized investment recommendations or advice tailored to your individual circumstances. All investment decisions carry risk, and you should consult with licensed financial professionals before making any real investment decisions.
Paper Trading is Simulated and Not Real
All trading activities on Ryflo are SIMULATED using virtual currency and do NOT involve real money, real securities, or actual market execution.
Paper trading results:
Do not reflect actual trading costs (commissions, spreads, slippage)
May not accurately represent real market liquidity or execution
Do not account for emotional factors present in real trading
Are not indicative of future performance in real markets
Should never be considered as evidence of investment skill or future success
PAST PERFORMANCE, WHETHER REAL OR SIMULATED, IS NOT INDICATIVE OF FUTURE RESULTS.
29. LIMITATIONS OF LIABILITY
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
YOU ACKNOWLEDGE THAT ANY INVESTMENT DECISIONS YOU MAKE WITH REAL MONEY ARE YOUR SOLE RESPONSIBILITY AND ARE MADE INDEPENDENTLY OF ANY CONTENT OR INFORMATION OBTAINED FROM THE SERVICES.
30. INDEMNIFICATION
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’ fees and expenses, made by any third party due to or arising out of:
(1) your Contributions;
(2) use of the Services;
(3) breach of these Legal Terms; (4) any breach of your representations and warranties set forth in these Legal Terms;
(5) your violation of the rights of a third party, including but not limited to intellectual property rights;
(6) any overt harmful act toward any other user of the Services with whom you connected via 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.
31. USER DATA
We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.
32. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
Visiting 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 Services, 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 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.
33. CALIFORNIA USERS AND RESIDENTS
If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.
34. MISCELLANEOUS
These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms 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 Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms 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 Legal Terms or use of the Services. You agree that these Legal Terms 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 Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.
35. CONTACT US
In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:
Ryflo Inc.
8 The Green #STE A
Dover, Delaware, 19901
United States