Thank you for visiting Little Honey Money, owned and operated by Little Honey Money, Inc. (referred to as “LHM,” “us,” “our,” “we”). These Terms of Use (these “Terms”) constitute a legal agreement between you and LHM in respect of your use of our websites: littlehoneymoney.com, journal.littlehoneymoney.com and podcast.littlehoneymoney.com (collectively, the “Sites”) and the services offered therein.

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE SITE. IF YOU DO NOT AGREE TO THESE TERMS, YOU ARE NOT AUTHORIZED TO USE THE SITE AND YOU MUST PROMPTLY CEASE USING THEM.

By agreeing to these Terms, you expressly agree to the arbitration of all Disputes (as defined below) as further described in this paragraph and in Section 20.2 below. Any controversy, allegation, or claim that arises out of or relates to the Site, these Terms, or any additional terms, whether heretofore or hereafter arising (collectively, a “Dispute”), except for any controversy, allegation, or claim that arises out of or relates to our actual or alleged intellectual property rights (an “Excluded Dispute”), shall be finally resolved by arbitration. The parties agree to arbitrate solely on an individual basis, and that these Terms do not permit class arbitration or any claims brought as a plaintiff or class member in any class or representative arbitration proceeding. The arbitrator or arbitral panel may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding. In the event the prohibition on class arbitration is deemed invalid or unenforceable, then the remaining portions of the foregoing arbitration provisions will remain in force.

1. 1. The Site Does Not Provide Medical Advice
2. 2. Your Access to the Site
3. 3. Permitted Use and Restrictions
4. 4. Accounts
5. 5. Registries
6. 6. Vendor Directory
7. 7. User Content
8. 8. DMCA Notice
9. 9. Submissions
10. 10. Privacy
11. 11. Intellectual Property Rights
12. 12. Third-Party Sites and Services
13. 13. Notice for California Residents
14. 14. Notice for New Jersey Residents
15. 15. Indemnity
16. 16. Warranty Disclaimer
17. 17. Limitation of Liability
18. 18. Termination
19. 19. Communication Between Us
20. 20. Dispute Resolution
21. 21. Other Important Terms
22. 22. Changes to These Terms
23. 23. Contact Us

1. The Site Does Not Provide Medical Advice

   The contents of the Site may be provided by our third-party contributors and Vendors (including, but not limited to blogs, articles, products, advice, podcasts, advertisements, and support services) (“Contributor Content”).  
   THE CONTRIBUTOR CONTENT IS NOT INTENDED TO BE A SUBSTITUTE FOR PROFESSIONAL MEDICAL ADVICE, DIAGNOSIS, OR TREATMENT. ALWAYS SEEK THE ADVICE OF YOUR PHYSICIAN OR OTHER QUALIFIED HEALTH PROVIDER WITH ANY QUESTIONS YOU MAY HAVE REGARDING A MEDICAL CONDITION OR CONTRIBUTOR OPINION. LHM DOES NOT RECOMMEND OR ENDORSE ANY SPECIFIC CONTRIBUTOR CONTENT MENTIONED ON THE SITE, AND RELIANCE ON ANY CONTRIBUTOR CONTENT IS SOLELY AT YOUR OWN RISK.

2. Your Access to the Site

   2.1. Internet Access. When using the Site on your mobile, laptop, desktop or other device (your “Device”), you acknowledge and agree that you are responsible for (i) maintaining Internet access for your Device through a Wi-Fi or LTE data communication network and (ii) any Internet connection and telecommunications fees and charges that you incur.

   2.2. Your Device. LHM is not responsible for the operation of your Device. You are responsible for ensuring the system functions of your Device are in working order when accessing the Site, including, but not limited to screen display operation features of your Device.

   2.3. No Guarantee. Access to the Site may be suspended temporarily and without notice (a) in the event of system failure, (b) for maintenance or repair, (c) where we reasonably suspect there has been a breach of these Terms, (d) for reasons reasonably beyond our control, or (e) as otherwise explained in these Terms.

3. Permitted Use and Restrictions

   3.1 License Grant. Subject to the terms and conditions of these Terms, LHM hereby grants you a limited, non-exclusive, personal, non-transferrable, non-sublicensable, non-assignable license to access and use the Site (including updates and upgrades that replace or supplement them in any respect and which are not distributed with a separate license, and any documentation) solely for your personal use on a Device that you own or control. We reserve all other rights, which are not granted in these Terms.

   3.2 Use Restrictions. You may not access or use the Site in any way that is not expressly permitted by these Terms. You may not: (a) cause, permit or authorize the modification, copy, creation of derivative works, translation, reverse engineering, decompiling, disassembling or hacking of the Site; (b) sell, assign, rent, lease, or grant rights in the Site, including, without limitation, through sublicense, to any other person or entity; or (c) use the Site for any unlawful, prohibited, abnormal or unusual activity as determined by LHM in its sole discretion.

   3.3 Investigations. We may, but are not obligated to, monitor or review our Site at any time. If we become aware of any possible violations by you of these Terms we reserve the right to investigate such violations, and we may, at our sole discretion, immediately terminate your license to use the Site pursuant to Section 18 below.

   3.4 Violation of these Terms. You must not use (or permit a third-party to use) the Site: (a) in any unlawful manner, for any unlawful purpose, or to act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the Site or any operating system used by the Site, (b) in a way that could damage, disable, overburden, impair or compromise our systems or security, or interfere with other users, (c) to collect or harvest any information or data from the Site or our systems or attempt to decipher any transmissions to or from the servers running the Site, (d) via use of a robot, spider, or other automated device to monitor or copy the Site or any information provided by the Site, (e) to send, knowingly receive, upload, download, use or re-use any material which does not comply with these Terms, (f) to transmit, or procure the sending of, any unsolicited or unauthorized advertising or promotional material or any other form of similar solicitation (spam), or (g) for any other purpose that is to LHM’s detriment or commercial disadvantage. You acknowledge and agree that you are solely responsible, and LHM has no responsibility or liability to you or any other person or entity for, any breach by you of these Terms or for the consequences of any such breach.

4. Accounts

   4.1. Accounts. To use certain features of the Site, you may be required to create an LHM account and provide us with a username, password, and certain other information about yourself. You are solely responsible for the information associated with your account and anything that happens related to your account. You agree to provide true, accurate, current, and complete information as requested by any forms and maintain and update such information to keep it true, accurate, current, and complete.

   4.2. Account Security. Maintaining account security is very important. You are solely responsible for maintaining the confidentiality of your account passwords. You agree to notify LHM immediately if you become aware of any unauthorized use of your password or your account.

   4.3. Account Sharing or Transfers. Accounts are registered to you personally and may not be sold, traded, gifted, or otherwise transferred at any time under any circumstances. You may not share your account with, or disclose your password to, anyone else.

   4.4. Account Cancellation by You. If you wish to cancel your account, please contact us at the information in Section 23 below.

   4.5. Account Cancellation by Us. LHM may terminate your account at any time for any reason or no reason, including if: (a) LHM determines that you are (i) in breach or otherwise acting inconsistently with these Terms or (ii) engaging in fraudulent or illegal activities or other conduct that may result in liability to LHM; (b) LHM determines it is required by law to terminate your account; or (c) LHM decides to stop providing the Site or critical portions of the Site. When terminating your account, LHM may cancel your account and delete the information in it. You have no ownership rights in your account.

5. Registries

   5.1. Account Creation. We allow users to create a registry to receive money gifts from other users (the “Registry Service”). LHM has integrated with certain authorized payment processors (e.g., Stripe, Plaid) (each a “Payment Processor” and collectively the “Payment Processors”) to allow users (each a “Gift Giver”) to send funds to other users (each a “Beneficiary”) through the Registry Service. As such, you may be required to create an account with one or more Payment Processors to use the Registry Service. You agree to provide true, accurate, current, and complete information as requested by any Payment Processor’s forms and maintain and update such information to keep it true, accurate, current, and complete. We may, but are not obligated to, monitor any or all transactions initiated via the Registry Service as part of our efforts to protect against malicious, deceptive, fraudulent or illegal activity. YOUR USE OF ANY PAYMENT PROCESSOR’S SERVICES IS SUBJECT TO THE PAYMENT PROCESSOR’S CONFIRMATION THAT YOU MEET THEIR ENROLLMENT CRITERIA.

   5.2. Payment Processors. By using the Registry Service and a Payment Processor, you may be required to enter into certain agreements with the Payment Processors (“Payment Processor Agreements”). You acknowledge and agree that (a) if you submit funds through the Money Gifting Service as a Gift Giver, you are submitting payment directly to the Beneficiary (via the Payment Processor’s services); (b) LHM is not a party to any Payment Processor Agreement and is not a party to any funds transfer completed using the Payment Processor’s services; (c) LHM will not be liable or responsible for the services provided by the Payment Processors; and (d) we are not responsible for lost payments, identity theft, fraud, or refunds.

   5.3. Fees. Payment submitted by Gift Givers to Beneficiaries via the Registry Service are subject to the following fees, which LHM may change from time to time in its sole discretion: a five percent (5 %) LHM service fee, a $0.25 Payment Processor fee, and a $0.30 plus 2.9 % credit card fee (if applicable).

   5.4. Limits. LHM may impose limits on your ability to send or receive funds through the Registry Service. Additionally, Payment Processors may impose their own limits and limitations on your use of the Payment Processor’s services.

   5.5. Currency. All funds sent or receive through the Registry Service must be in U.S. Dollars.

   5.6. Tax Matters. LHM cannot and does not offer tax-related advice. This section is provided for information purposes only and is not intended to constitute tax advice. You are responsible for determining and fulfilling your obligations under applicable laws to report, collect, and remit any applicable taxes. LHM is not responsible for withholding, collecting, reporting, or remitting any taxes arising from any transaction you complete via the Registry Service. Consult your tax professional before engaging in the Registry Service or any transaction.

   5.7. Marketing and Promotions. LHM may occasionally include all or portions of user registries in its marketing and promotional efforts, including by posting images of user registries to LHM social media accounts. Should LHM seek to use your registry in this manner, LHM must ask for and receive your written permission to do so.

   5.8. Reservation of Rights. The Registry Service is a feature offered as a convenience and, without limiting any other rights we have set forth herein, we reserve the right to suspend, terminate, freeze, or close any account and/or funds in accordance with these Terms. Accounts and/or funds may be frozen at our sole discretion or at the sole discretion of the Payment Processor.

6. Vendor Directory

   6.1. Vendor Profiles. We allow professional service providers (“Vendors”) to create profiles (“Vendor Profiles”) in our support directory (the “Directory Service”). You may use the Directory Service to identify local Vendors who provide a variety of in-person and virtual services. Vendor Profiles are paid partnerships, however, LHM does not receive compensation for Vendor Profiles of non-profit organizations, organizations providing equity resources, or profiles tagged with “❤ by LHM”. We may also provide Vendors with the option to pay for premium positioning within the Directory Service. In the event that a Vendor elects to pay for premium positioning, their Vendor Profile will be tagged as sponsored. PLEASE NOTE THAT VENDORS ARE NOT MEDICAL PROFESSIONALS AND ARE NOT PERMITTED TO PROMOTE OR PROVIDE MEDICAL SERVICES OR ADVICE THROUGH THE SITE. LHM DOES NOT RECOMMEND OR ENDORSE ANY SPECIFIC VENDOR LISTED IN THE DIRECTORY SERVICE, AND RELIANCE ON ANY VENDOR IS SOLELY AT YOUR OWN RISK.

   6.2 Vendor Responsibilities. As a Vendor, you acknowledge and agree that Vendor Profiles constitute Contributor Content. Vendors are responsible for providing accurate and current information in their Vendor Profiles. All Vendor Profiles must comply with the provisions of these Terms. By creating and maintaining a Vendor Profile, each Vendor acknowledges and agrees that the Vendor Profiles are subject to these Terms, including without limitations the User Content restrictions and grant of perpetual licenses to all User Content. By joining the Registry Service as a Vendor, you agree to receive important notifications regarding your Vendor account via email. You further expressly agree not to: (i) violate any applicable domestic and international laws, statutes, ordinances and regulations regarding your use of the Site and the Directory Service; (ii) include promotional text or endorsements in your Vendor Profile; or (iii) discourage either through the Site or otherwise, any user from hiring any other Vendor included in the Directory Service. LHM may terminate your Vendor Profile at any time for any reason or no reason, including if: (a) LHM determines that you are (i) in breach of or otherwise acting inconsistently with these Terms, or (ii) engaging in fraudulent or illegal activities or other conduct that may result in liability to LHM; (b) LHM determines it is required by law to terminate your Vendor Profile; or (c) LHM decides to stop providing Vendor Profiles.

   6.3. No Endorsements; Agreements with Vendors. If you are a Vendor or if you interact with a Vendor, you acknowledge and agree that: (i) LHM does not and will not endorse any Vendor or any such Vendor’s products or services (whether or not we connect or otherwise facilitate communications between such Vendor and other LHM users); (ii) LHM is not responsible for assisting Vendors and other LHM users in reaching agreement; (iii) LHM is not responsible for assisting Vendors in providing products or services to other LHM users; (iv) while all LHM users are required to give us accurate information about themselves, LHM cannot and will not verify this information; (v) any transaction a Vendor enters into with another LHM user is strictly between such Vendor and such other LHM user; (vi) LHM makes no guarantees or promises with respect to successful transactions between Vendors and other LHM users; and (vii) any dispute a LHM user may have with another LHM user (including a LHM user that is a Vendor) is between those LHM users, and we will not be a party to that dispute. Vendors are solely responsible for compliance with all applicable regulations and taxes and payments which may be applicable to their respective products or services. If you are a Vendor, you agree that you are solely responsible for your products and services and agree to indemnify, defend and hold harmless LHM, its officers, subsidiaries, affiliates, successors, assigns, directors, officers, agents, service providers, suppliers and employees from any and all claims, suits, losses, demands, damages, obligations, liabilities, costs, debt, and expenses (including reasonable attorneys’ fees) relating to or arising from your acts, omissions, products and services, including any violations of any laws or regulations, or other taxes and payments which may be applicable to your products and services.

7. User Content

   Whenever you make use of a feature that allows you to upload or submit any content such as any text, photos, or other content via the Site (together with any Contributor Content, “User Content”), or to share any User Content with other users of the Site, you promise that any such User Content: (a) will not be defamatory, obscene, offensive or otherwise objectionable, (b) will not infringe the intellectual property rights (such as copyright) or other rights (such as privacy or confidentiality) of any third party, (c) will comply with applicable laws, (d) will not promote violence or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age, (e) will not be likely to deceive any person, (f) will not be threatening, abusive or cause annoyance, inconvenience or needless anxiety, (g) will not be likely to harass, upset, embarrass, alarm or annoy any other person, (h) will not impersonate any person, or misrepresent your identity or affiliation with any person, (i) will not give the impression that it emanates from us, if this is not the case, and (j) will not advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse. Although we may not actively monitor User Content, we have the right (but are under no obligation) to remove any User Content if, in our opinion, it is in breach of these Terms or is otherwise inappropriate.

   By uploading or submitting any User Content to the Site, you automatically grant LHM a worldwide, royalty-free, non-exclusive, irrevocable and fully assignable, transferable and sublicensable right and license to use, reproduce, publish, distribute, modify, adapt, edit, translate, distribute, perform, link to, create derivative works of and display such User Content alone, or as part of other works, in any form, media, or technology, whether now known or hereafter developed. Should LHM seek to use your User Content in ways that exceed this license, LHM must ask for and receive your written permission to do so.

   The Site may include content provided by third parties, including materials provided by other users and third-party licensors. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by LHM, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of LHM. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

8. DCMA Notice

   8.1. DMCA Policy. LHM has adopted a policy that provides for the suspension and/or termination of any user who is found to have infringed on the rights of LHM or of a third party, or otherwise violated any intellectual property laws or regulations. LHM’s policy is to investigate any allegations of copyright infringement brought to its attention.

   8.2. Take-Down Notice. If you have evidence, know, or have a good faith belief that your rights or the rights of a third party have been violated and you want LHM to delete, edit, or disable the material in question, you must provide LHM with all of the following information (as required by the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act) to our designated copyright agent set forth below:

   • A physical or electronic signature of the copyright owner or the person authorized to act on behalf of the owner of an exclusive copyright that is allegedly infringed;
   • Identification of the copyrighted work (or works) claimed to have been infringed;
   • Identification of the material that is claimed to be infringing and information reasonably sufficient to permit LHM to locate the material (providing URLs in the content of an email is the best way to help us locate content quickly);
   • Information reasonably sufficient to permit LHM to contact you, including your address, telephone number, and e-mail address at which you may be contacted;
   • A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by you, or your agent, or the law;
   • A statement made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf.

   See 17 U.S.C 512(c)(3) for further information.

   For this notification to be effective, you must provide it to Copyright Manager by email at hello@littlehoneymoney.com.  You can also mail your DMCA request to:
   Attn: Copyright Manager
   Little Honey Money, Inc.
   P.O. Box 161201
   Austin, TX 78716

   Mailing DMCA notices may delay the processing of your request. Only copyright complaints should be sent to the Designated Agent. No other communications will be accepted or responded to.

   If you fail to comply with each requirement above, your DMCA notice may not be valid and may not be acknowledged. Once proper notice is received by the Designated Agent, it is LHM’s policy to investigate the claim and notify the alleged infringer of your claim. If we determine that you have raised a legitimate copyright claim, we will remove or disable access to the infringing material and notify the content provider, member, or user that we have removed or disabled access to the material. In addition, repeat offenders will have the infringing material removed from the system and LHM will terminate such content provider’s, member’s, or user’s access to the Service.

   8.3. Counter-Notice. If you believe that the material that was removed or to which access has been disabled is either not infringing, or you believe that you have the right to post and use such material from the copyright owner, the copyright owner’s agent, or pursuant to the law, you must send a counter-notice containing the following information to the Designated Agent:

   • Your physical or electronic signature;
   • Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
   • A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled;
   • Your name, address, and telephone number; and
   • A statement that you consent to the jurisdiction of federal district court in the judicial district in which your address is located, or if your address is outside of the United States, for any judicial district in which you may be found and that you will accept service of process from the person who provided the initial notification of alleged infringement.

   If a counter-notice is received by the Designated Agent, LHM may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed material or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member, or user, the removed material may be replaced or access to it restored in 10 to 14 business days or more after receipt of the counter-notice, at LHM’s discretion.

9. Submissions

   AAny feedback or suggestions you provide to us or our e-commerce or retail partners regarding the Site (“Submissions”), you acknowledge and agree that: (i) such Submissions will be considered non-confidential and non-proprietary; (ii) we have the right (subject to our Privacy Policy), without limit in time and without payment to you, to use, copy, distribute, adapt, and disclose it via the Site or otherwise to third-parties for any purpose, in any way, and in any media worldwide now known or later discovered, including, without limitation, the right to create derivative works, make improvements, perform (including through digital performance), and transmit (including through digital transmissions) such Submissions, and the right to transfer or sublicense such rights; (iii) we may have something similar to the Submissions already under consideration or in development; and (iv) you are not entitled to any compensation or reimbursement of any kind from us in connection with the Submissions under any circumstances.

10. Privacy

    These Terms also incorporate the terms of our privacy policy (as updated from time-to-time), which is available athttps://www.littlehoneymoney.com/privacy(the “Privacy Policy”). Our Privacy Policy explains how your personal information will be collected and used as well as other information regarding your privacy (such as how you can adjust your privacy settings). By agreeing to these Terms, you are also agreeing to the Privacy Policy, and you consent to (a) the processing of your personal information as explained in the Privacy Policy and (b) the collection of information from your device as explained in the Privacy Policy.

11. Intellectual Property Rights

    11.1. Trademarks. The “Little Honey Money” name and logo are trademarks and service marks of LHM. You do not have the right to use any of our trademarks, service marks or logos and your unauthorized use of any of these may be a violation of federal and state trademark laws.

    11.2. Ownership. You acknowledge that all intellectual property rights in the Site, whether registered or unregistered, including but not limited to rights in graphics, logos, “look and feel,” trade dress, structure, organization, code, and all content in the Site and compilation thereof (excluding the trademarks or other Contributor Content), anywhere in the world, belong to us or our licensors and are valuable trade secrets and confidential information of LHM, protected by intellectual property laws. You acknowledge and agree that LHM, or its licensors, owns all right, title and interest in and to the Site, including all intellectual property, industrial property and proprietary rights recognized anywhere in the world at any time and that the Site is protected by U.S. and international copyright laws. Further, you acknowledge that the Site may contain information that LHM has designated as confidential, and you agree not to disclose such information without LHM prior written consent. Nothing posted on the Site grants a license to any LHM trademarks, copyrights, or other intellectual property rights, whether by implication, estoppel or otherwise. You should assume that everything you see or read on the Site is proprietary information protected by copyright or trademark unless otherwise noted and may not be used except with the written permission of LHM. When accessing the Site, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Site is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property.

12. Third-Party Sites and Services

    The Site may contain links to third-party websites, including but not limited to our contributors (collectively, “Third-Party Sites”) and Vendors. You acknowledge that we have no control over these Third-Party Sites or locations or Vendors, and are not responsible for their contents, actions, and/or availability. We do not assume any liability for your use of any of the foregoing, which use you acknowledge and agree shall be at your own risk. Your use of the Third-Party Sites or locations or Vendors will be governed by their terms and conditions and privacy policies (if any) (“Third-Party Terms”). It is your responsibility to read and comply with Third-Party Terms

13. Notice for California Residents

    Under California Civil Code Section 1789.3, California users of an electronic commercial service receive the following consumer rights notice: California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at 916-445-1254 or 800-952-5210.

14. Notice for New Jersey Residents

    If you are a consumer residing in New Jersey, the following provisions of these Terms do not apply to you: Section 16 (Warranty Disclaimer), Section 17 (Limitation of Liability), and Section 20.1 (Governing Law) , the Texas governing law provision (for example, to the extent that your rights as a consumer residing in New Jersey are required to be governed by New Jersey law).

15. Indemnity

    You agree to indemnify and hold us and our affiliates, and their respective business partners, licensees, licensors, officers, directors, employees and agents (the “Indemnified Parties”) harmless from and against any and all claims, demands, losses, damages, liabilities, costs and expenses (including without limitation reasonable attorneys' fees and costs), arising out of or in connection with: (a) your use of the Site; (b) your breach or violation of any of these Terms; or (c) your violation of the rights of any third-party. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, which shall not excuse your indemnity obligations. In such event, you shall provide the Indemnified Parties with such cooperation as is reasonably requested by the Indemnified Parties.

16. Warranty Disclaimer

    WE PROVIDE THE SITE ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE MAKE NO GUARANTEE THAT THE SITE WILL BE UNINTERRUPTED, ACCURATE, ERROR FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. WE HAVE NO OBLIGATION TO CORRECT ANY BUGS, DEFECTS OR ERRORS IN THE SITE OR TO OTHERWISE SUPPORT, DEVELOP OR MAINTAIN THE SITE. While we take reasonable precautions to prevent the existence of computer viruses and/or other malicious programs, we accept no liability for them.

    To the maximum extent permitted by law, we exclude all conditions, warranties, representations and other terms, which may apply to the Site, whether express or implied, including without limitation implied warranties of merchantability, fitness for a particular purpose, title and non-infringement of the rights of third-parties with respect to the Site and all information, and content.

    NO INFORMATION OR ADVICE OBTAINED THROUGH THE SITE, OR AFFIRMATION BY US, BY WORDS OR ACTIONS, SHALL CONSTITUTE A WARRANTY. WE ALSO MAKE NO PROMISES OR GUARANTEES, WHETHER EXPRESS OR IMPLIED, THAT THE CONTENT--INCLUDING CONTRIBUTOR CONTENT--INCLUDED ON THE SITE IS ACCURATE, COMPLETE, UP-TO-DATE, OR RELIABLE, AND IN NO EVENT WILL WE HAVE ANY LIABILITY TO YOU FOR LOSSES ARISING OUT OF YOUR RELIANCE ON THE SITE (INCLUDING ANY LOSS OF PROFIT, LOSS OF BUSINESS, BUSINESS INTERRUPTION, PERSONAL INJURY, OR LOSS OF BUSINESS OPPORTUNITY).

    Because some states or jurisdictions do not allow the disclaimer of implied warranties, the foregoing disclaimers may not apply to you.

17. Limitation of Liability

    IN NO EVENT SHALL THE INDEMNIFIED PARTIES BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES (INCLUDING LOST PROFITS, ANY BREACH OF SECURITY OR ANY DAMAGE TO YOUR DEVICE, LOST DATA, PERSONAL INJURY, PROPERTY DAMAGE, OR LOSSES ARISING OUT OF YOUR USE OF OR RELIANCE ON THE SITE (INCLUDING CONTENT), OR YOUR INABILITY TO ACCESS OR USE THE SITE) ARISING FROM, RELATING TO, OR IN ANY WAY CONNECTED WITH THE USE OR THE PERFORMANCE OF THE SITE, OR THESE TERMS, ARISING AND WHETHER FRAMED IN CONTRACT, TORT, OR STRICT LIABILITY, REGARDLESS OF THE NEGLIGENCE (EITHER ACTIVE, AFFIRMATIVE, SOLE, OR CONCURRENT) OF LHM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

    Your sole remedy for dissatisfaction with the Site including, without limitation, content on the Site, is to stop using the Site. Such limitation shall also apply with respect to damages incurred by reason of services or products received through or advertised in connection with the Site or any links on the Site, as well as by reason of any information or advice received through or advertised in connection with the Site or any links on the Site. In the event the foregoing exclusion of liability is determined, in whole or in part, to be invalid or unenforceable, then the Indemnified Parties’ liability arising in connection with the Site, or under these Terms whether in contract, tort (including negligence) or otherwise, shall not exceed, under any circumstances, one hundred dollars ($100). You agree that any claim or cause of action arising under these Terms, in relation to our Site, or the performance or non-performance of the Site must be brought within one year after such claim or cause of action arises or be forever barred.

    THE LIMITATIONS AND DISCLAIMER IN THIS SECTION DO NOT PURPORT TO LIMIT LIABILITY OR ALTER YOUR RIGHTS AS A CONSUMER THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, LHM’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW. THIS PROVISION SHALL HAVE NO EFFECT ON LHM’S CHOICE OF LAW PROVISION SET FORTH BELOW.

18. Termination

    We reserve the right to change, edit, suspend, delete and/or cancel any part of the Site, or may terminate these Terms, and/or your permission to use the Site immediately, without prior notice or liability, if: (a) you commit any breach of these Terms; (b) we discontinue the Site, (c) we are prevented from providing the Site for any reason, (d) if required by law, or (e) due to an event beyond our control.

    On termination of these Terms for any reason: (a) all rights granted to you under these Terms will cease immediately, (b) you must immediately cease all activities authorized by these Terms (including your use of the Site), and (c) you acknowledge that we may restrict your access to the Site. Sections 1, 10-12, and 15-21 will survive any termination or expiration of these Terms.

19. Communication Between Us

    If you wish to contact us in writing, or if any condition in these Terms require you to give us notice in writing, you can send this to us by email using the contact details at the bottom of these Terms. If we have to contact you or give you notice in writing, we may do so by email or using any other contact details you provide to us.

20. Dispute Resolution

    20.1. Governing Law; Jurisdiction. These Terms are governed by Texas law, without regard to conflict of laws principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded. You and LHM agree that, except as otherwise provided below, the state and federal courts located in Travis County, Texas will have exclusive jurisdiction of all Disputes arising out of or related to these Terms or your use of the Site and agree to submit to the personal jurisdiction and venue of these courts. Notwithstanding the foregoing, LHM shall be allowed to apply for equitable remedies (including injunctions) in any jurisdiction.

    20.2. Binding Arbitration.

    20.2.(a) Arbitration Procedures. You and LHM agree that, except as provided in Section (d) below, all Disputes, (each a “Claim”), shall be finally and exclusively resolved by binding arbitration, which may be initiated by either party by sending a written notice requesting arbitration to the other party. Any election to arbitrate by one party shall be final and binding on the other. The arbitration will be conducted under the Streamlined Arbitration Rules and Procedures of JAMS that are in effect at the time the arbitration is initiated (the “JAMS Rules”) and under the terms set forth in these Terms. In the event of a conflict between the terms set forth in this Section 20 (Dispute Resolution) and the JAMS Rules, the terms in this Section will control and prevail.

    Except as otherwise set forth in Section (d) below, you may seek any remedies available to you under federal, state or local laws in an arbitration action. As part of the arbitration, both you and LHM will have the opportunity for discovery of non-privileged information that is relevant to the Claim. The arbitrator will provide a written statement of the arbitrator’s decision regarding the Claim, the award given and the arbitrator’s findings and conclusions on which the arbitrator’s decision is based. The determination of whether a Claim is subject to arbitration shall be governed by the Federal Arbitration Act and determined by a court rather than an arbitrator. Except as otherwise provided in these Terms, (a) you and LHM may litigate in court to compel arbitration, stay proceedings pending arbitration, or confirm, modify, vacate or enter judgment on the award entered by the arbitrator, and (b) the arbitrator’s decision shall be final, binding on all parties and enforceable in any court that has jurisdiction, provided that any award may be challenged if the arbitrator fails to follow applicable law.

    20.2.(b) Location. The arbitration will take place in Austin, Texas unless the parties agree to video, phone or internet connection appearances.

    20.2.(c) Limitations. You and LHM agree that any arbitration shall be limited to the Claim between LHM and you individually. YOU AND LHM AGREE THAT (a) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE ARBITRATED ON A CLASS-ACTION BASIS OR TO UTILIZE CLASS ACTION PROCEDURES, (b) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY OR AS A PRIVATE ATTORNEY GENERAL, AND (c) NO ARBITRATION SHALL BE JOINED WITH ANY OTHER ARBITRATION.

    20.2.(d) Exceptions to Arbitration. You and LHM agree that the following Claims are not subject to the above provisions concerning negotiations and binding arbitration: (a) any Excluded Dispute, (b) any Claim related to, or arising from, allegations of theft, piracy, or unauthorized use, and (c) any claim for equitable relief. In addition to the foregoing, either party may assert an individual action in small claims court for Claims that are within the scope of such court’s jurisdiction in lieu of arbitration.

    20.2.(e) Arbitration Fees. If you initiate arbitration for a Claim, you will need to pay the JAMS arbitration initiation fee. If we are initiating arbitration for a Claim, we will pay all costs charged by JAMS for initiating the arbitration. All other fees and costs of the arbitration will be charged pursuant to the JAMS Rules.

    20.2.(f) Severability. You and LHM agree that if any portion of this Section is found illegal or unenforceable (except any portion of Section (d)), that portion shall be severed and the remainder of the Section shall be given full force and effect. If Section (d) is found to be illegal or unenforceable then neither you nor LHM will elect to arbitrate any Claim falling within that portion of Section (d) found to be illegal or unenforceable and such Claim shall be exclusively decided by a court of competent jurisdiction within Travis County, Texas, and you and LHM agree to submit to the personal jurisdiction of that court.

21. Other Important Terms

    21.1. Assignment. The rights granted to you under these Terms may not be assigned without LHM’s prior written consent, and any attempted unauthorized assignment by you shall be null and void.

    21.2. Severability. If any part of these Terms is determined to be invalid or unenforceable, then that portion shall be severed, and the remainder of these Terms shall be given full force and effect.

    21.3. Attorney’s Fees. The prevailing party shall be entitled to recover from the other party all the reasonable costs, attorney’s fees and other expenses incurred by such prevailing party in any legal action relating to these Terms.

    21.4. No Waiver. Our failure to enforce any provision of these Terms shall in no way be construed to be a waiver of such provision, nor in any way affect or right to enforce the same provision at a later time. An express waiver by LHM of any provision, condition or requirement of these Terms shall not be understood as a waiver of your obligation to comply with the same provision, condition or requirement at a later time.

    21.5. Equitable Remedies. You acknowledge and agree that LHM would be irreparably damaged if the terms of these Terms were not specifically enforced, and therefore you agree that we shall be entitled, without bond, other security, or proof of damages, to appropriate equitable remedies with respect to any breach of these Terms, in addition to such other remedies as we may otherwise have available to us under applicable laws.

    21.6. Entire Agreement. These Terms, including the documents referenced in these Terms, constitutes the entire agreement between you and LHM with respect to the Site and supersedes any and all prior agreements between you and LHM relating to the Site.

    21.7. Transfer. We may transfer our rights and obligations under these Terms to another organization, but this will not affect your rights or our obligations under these Terms.

22. Changes to These Terms

    We reserve the right, at our sole discretion, to amend these Terms at any time. As applicable, we will notify you of material changes to these Terms when you next access the Site (we may also email you about any material changes to these Terms). To the extent permitted under applicable law, we reserve the right at any time and from time-to-time to modify or discontinue, temporarily or permanently, the Site (or any part of them) with or without notice.

23. Contact Us

    If you have any questions or comments relating to these Terms, please contact us at:

    Little Honey Money, Inc.

    Austin, Texas

    hello@littlehoneymoney.com