Terms of Use

INVOWN TERMS OF SERVICE AGREEMENT

Effective Date: March 15, 2021

Invown.com is owned and operated by Invown Fundign Portal, LLC.

This Terms of Service Agreement (this “Agreement”) is a contract between you (“you” or “User”) and Invown Funding Portal, LLC. (“Invown”, “Invown.com”, “we”, “our” or “us”). You must read, agree to, and accept all of the terms and conditions contained in this Agreement in order to use the website http://34.71.144.57, all affiliated websites, including mobile websites and applications, owned and operated by us, our predecessors or successors in interest, or our Affiliates (collectively, the “Site”), all services, applications and products that are accessible through the Site and all Invown.com mobile applications that link to or reference this Agreement (together with the Site, the “Service”) whether provided by us or our Affiliates.

Prior to commencing a Campaign (as defined herein), each Issuer will be required to agree to all provisions of our Issuer User Agreement. Prior to making an initial investment, each Investor will be required to agree to all provisions of our Investor User Agreement. In the event of a conflict between these Terms of Service and our Issuer User Agreement or Investor User Agreement (each a “User Agreement”), the User Agreement shall govern.

Some services offered by the Site or Service may be subject to other terms and conditions which will be included in a separate agreement between you and Invown (each “Invown Agreement”). Each Invown Agreement will govern your relationship with Invown with respect to the services to which it applies. In the event of a conflict between these Terms of Service and an Invown Agreement, the Invown Agreement shall govern only with respect to the specific services to which it applies.

This Agreement includes and hereby incorporates by reference the Invown.com Privacy Policy, our Issuer User Agreement, our Investor User Agreement, each Invown Agreement and all other agreements between you and Invown as such agreements may be in effect and modified by Invown.com from time to time (collectively, with this Agreement, the “Terms of Service”).

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE BROWSING THIS SITE. USING THIS SITE INDICATES THAT YOU HAVE READ AND ACCEPT THESE TERMS. YOU MAY NOT USE OR ACCESS THE SITE OR SERVICES IF YOU DO NOT ACCEPT THESE TERMS.

Subject to the conditions set forth herein, Invown.com may, in its sole discretion, amend this Agreement and the other Terms of Service at any time by posting a revised version on the Site. If the amendment includes an increase to Fees charged by Invown.com, the increased Fee will be effective in the billing cycle following notice of such change to you. We may not provide any advance notice for any other changes, including changes resulting in a reduction in Fees or any temporary or promotional Fee change. Any revisions to the Terms of Service will take effect on the noted effective date or when posted if there is no noted effective date (each, as applicable, the “Effective Date”).

Your continued use of the Site or the Service after the Effective Date of a revised version of this Agreement or of any other Terms of Service constitutes your acceptance of the agreement and to be bound by the Terms of Service as revised. In the event of a conflict between this Agreement and the other Terms of Service, this Agreement will control unless the other Agreement explicitly states that it controls. Capitalized terms are defined throughout this Agreement.

YOU UNDERSTAND THAT BY USING THE SITE OR SERVICE AFTER THE EFFECTIVE DATE, YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE, INCLUDING THE MANDATORY BINDING ARBITRATION AND CLASS ACTION/JURY TRIAL WAIVER PROVISIONS IN ARTICLE 11 OF THIS AGREEMENT. IF YOU DO NOT ACCEPT THE TERMS OF SERVICE IN ITS ENTIRETY, YOU MUST NOT ACCESS OR USE THE SITE OR THE SERVICE AFTER THE EFFECTIVE DATE. IF YOU AGREE TO THE TERMS OF SERVICE ON BEHALF OF AN ENTITY, YOU REPRESENT AND WARRANT THAT YOU HAVE THE AUTHORITY TO BIND THAT ENTITY TO THE TERMS OF SERVICE. IN THAT EVENT, “YOU” AND “YOUR” WILL REFER AND APPLY TO THAT ENTITY.

1. DIGITAL SIGNATURE

You can browse the Site without registering, but to use the Site and Service, you must register for an Invown.com account. By registering for an Invown.com account on the Site (an “Account”) or by clicking to accept the Terms of Service or any other document when prompted on the Site, you are deemed to have executed this Agreement and the other Terms of Service and any such other document electronically, effective on the date you register your Account or click to accept the Terms of Service or document, pursuant to the U.S. Electronic Signatures in Global and National Commerce Act (the E-Sign Act) (15 U.S.C. § 7001, et seq.). Your Account registration constitutes an acknowledgment that you are able to electronically receive, download, and print this Agreement, the other Terms of Service, other documents, and any amendments to such documents. No such agreement or document shall be denied legal effect solely because it is in electronic form or permits the completion of the business transaction referenced therein electronically instead of in person. The electronic signature of any person on any such document, consent or agreement shall be considered as an original signature, and the document transmitted is to be considered to have the same binding effect as an original signature on an original document.

2. CONSENT TO USE ELECTRONIC RECORDS

In connection with the Terms of Service, you may be entitled to receive certain records from Invown.com or our Affiliates, such as contracts, notices, and communications, in writing. The Federal Electronic Signatures in Global and National Commerce Act (“ESIGN”) and similar state laws, particularly the Uniform Electronic Transactions Act (“UETA”), authorize the creation of legally binding and enforceable agreements utilizing electronic records and signatures. ESIGN and UETA require businesses that want to use electronic records or signatures in consumer transactions to obtain the consumer’s consent to receive information electronically. To facilitate your use of the Site and the Service, you hereby consent to our transaction of business electronically and to our maintenance of electronic records in compliance with ESIGN and UETA requirements, and you give us permission to provide these records to you electronically instead of in paper form.

2.1 YOUR CONSENT AND YOUR RIGHT TO WITHDRAW CONSENT

By registering for an Account, you consent to electronically receive and access, via email or the Site, all records and notices for the services provided to you under the Terms of Service that we or our Affiliates would otherwise be required to provide to you in paper form. However, we reserve the right, in our sole discretion, to communicate with you via the U.S. Postal Service and other third-party mail services using the address under which your account is registered. Your consent to receive records and notices electronically will remain in effect until you withdraw it. You may withdraw your consent to receive further records and notices electronically at any time by contacting us at [email protected]. If you withdraw your consent to receive such records and notices electronically, we will revoke your access to the Site and the Service, and you will no longer be permitted to use the Site or the Service. Any withdrawal of your consent to receive records and notices electronically will be effective only after we have a reasonable period of time to process your request for withdrawal. Please note that your withdrawal of consent to receive records and notices electronically will not apply to records and notices electronically provided by us to you before the withdrawal of your consent becomes effective.

2.2 KEEPING YOUR ADDRESS AND EMAIL ADDRESS CURRENT

In order to ensure that we are able to provide records and notices to you electronically, you agree to notify us immediately of any change in your email address by updating your Account information on the Site or by contacting us at [email protected]. In addition, so that we may communicate with you via the U.S. Postal Service and other third-party mail services, you agree to notify us immediately of any change in your address.

2.3 HARDWARE AND SOFTWARE REQUIRED TO USE THE SERVICE

To access and retain the records and notices we provide to you electronically, you will need: (a) a valid email address; (b) a computer system or device that operates on a platform like Windows or Mac; (c) a connection to the Internet; (d) Current Versions of the software, browsers, plug-ins, or other computer applications and programs identified on the Site (Users utilizing other browsers may experience compatibility difficulties); (e) a Current Version of a program that accurately reads and displays PDF files, such as the Current Version of Adobe Acrobat Reader; (f) a computer or device and an operating system capable of supporting all of the above; and (g) a printer to print out and retain records and notices in paper form or electronic storage to retain records and notices in an electronic form. By “Current Version”, we mean a version of the software that is currently being supported by its publisher. We may change these requirements from time to time and will update this Agreement accordingly. You should retain a copy of all of the records and notices we send to you electronically.

By accepting and agreeing to this Agreement and the other Terms of Service electronically, you represent that (i) you have read and understand the above consent to receive records and notices electronically; (ii) you satisfy the minimum hardware and software requirements specified above; and (iii) your consent will remain in effect until you withdraw your consent as specified above.

3. INVOWN.COM ACCOUNTS

3.1 ACCOUNT ELIGIBILITY

Invown.com develops its Site and Services for the United States and makes no representation that the Site, Services or Content are appropriate or available for use outside the United States. Accessing them from jurisdictions where their contents are illegal is not permitted, and those who choose to access the Site or Services from locations other than the United States are responsible for compliance with local laws. Invown.com specifically does not authorize the use of its Site and Services in the European Union or by residents of the European Union.

To use the Site and Service, you must register for an Account and pay all applicable fees. To register for an Account, you must be, and hereby represent that you are, a legal entity or an individual 18 years or older who can form legally binding contracts. By registering for an Account, by using the Site or Service, or by clicking to accept the Terms of Service when prompted on the Site, you agree to: (a) abide by this Agreement and the other Terms of Service; (b) be financially responsible for your use of the Site; and (c) perform your obligations as specified by our Terms of Service or by any subsequent agreement you enter into, unless such obligations are prohibited by applicable law or the Terms of Service. Invown.com reserves the right, in our sole discretion, to refuse, suspend, or revoke your access to the Site and Service upon discovery that any information you provided on any form is not true, accurate, or complete, or such information or other conduct otherwise violates the Terms of Service, or for any other reason or no reason in Invown.com’s sole discretion.

You represent that you are not: (i) a citizen or resident of the European Union or a geographic area in which access to or use of the Site or Service is prohibited by applicable law, decree, regulation, treaty, or administrative act; (ii) a citizen or resident of, or located in, a geographic area that is subject to U.S. or other sovereign country sanctions or embargoes; or (iii) an individual, or an individual employed by or associated with an entity, identified on the U.S. Department of Commerce’s Denied Persons or Entity List, the U.S. Department of Treasury’s Specially Designated Nationals or Blocked Persons Lists, or the U.S. Department of State’s Debarred Parties List or otherwise ineligible to receive items subject to U.S. export control laws and regulations or other economic sanction rules applicable to any sovereign nation. You agree that if your country of residence or other circumstances change such that the above representations are no longer accurate, that you will immediately cease using the Site and Service.

3.2 ACCOUNT REGISTRATION; PROFILE

By registering for an account, you must complete a User profile (“Profile”), which you consent to be used by Invown.com as described in the Terms of Service. You agree to provide true, accurate, and complete information on your Profile and all registration and other forms you access on the Site or provide to us and to update your information to maintain its truthfulness, accuracy, and completeness. You agree not to provide and to correct any information about you, your location or your business that is or becomes false or misleading. You agree not to register for more than one Account without express written permission from us. You agree not to ask or allow another person to create an Account on your behalf, for your use, or for your benefit.

3.3 IDENTITY VERIFICATION

When you register for an Account and from time to time thereafter, your Account will be subject to verification, including, but not limited to, validation against third-party databases or the verification of one or more official government or legal documents that confirm your identity and your ability to represent your business on Invown.com if it is a separate legal entity. You authorize Invown.com, directly or through third parties, to make any inquiries necessary to validate your identity and confirm your email address or financial accounts, subject to applicable law. When requested, you must provide us with information about you and, if applicable, the entity you represent.

3.4 USERNAMES AND PASSWORDS

When you register for an Account, you will be asked to choose a username and password for the Account (you can change your password at any time). You are entirely responsible for safeguarding and maintaining the confidentiality of your Account username and password. You authorize Invown.com to assume that any person using the Site with your username and password either is you or is authorized to act for you. You agree to notify us immediately if you suspect or become aware of any unauthorized use of your Account or any unauthorized access to your password. You further agree not to use any username or password of another User of the Site that you are not authorized to use and not to allow others who are not authorized to do so to use your Account at any time.

You agree not to create a username that is vulgar, attempts to impersonate another person or otherwise violates the rights of third parties, and you acknowledge that Invown.com may reject any username that it determines is unacceptable in its sole discretion.

Invown.com will store a password retrieval question and answer which allows you to retrieve your password. If you do not answer the retrieval question correctly within the stated number of attempts, your username will be permanently deactivated, and you will need to re-register on the Site with a new username and password.

3.5 FEEDBACK

We may provide you with a mechanism to provide feedback, suggestions, and ideas about our Site, Services, Issuers and Investors (“Feedback”). You agree that we may, in our sole discretion, use the Feedback you provide to us in any way, including in future enhancements and modifications to our Services. You hereby grant to us and our assignees a perpetual, worldwide, fully transferable, sublicensable, irrevocable, royalty free license to use, reproduce, modify, create derivative works from, distribute, and display the Feedback in any manner any for any purpose, in any media, software, or technology of any kind now existing or developed in the future, without any obligation to provide attribution or compensation to you or any third-party.

4. PURPOSE OF THE SITE AND SERVICE

The purpose of the Site and Service is to provide an intermediary technology platform that allows companies which desire to raise equity capital (“Issuers”) to initiate funding campaigns (each a “Campaign”) and investors who may be interested in providing equity capital (“Investors”) to evaluate Issuer campaigns, interact with Issuers and invest in securities offerings. Invown.com provides the Service, including hosting and maintaining the Site and related services, to registered Users, subject to and in accordance with the Terms of Service.

5. PAYMENT TERMS

5.1 PROCEDURES AND FEES

Invown.com offers its Service to Users who have registered for the Service and complete the required registration form. After registering for the Service, each User will be required to complete a profile. Fees payable by Issuers are described in the Issuer User Agreement which must be electronically signed by each Issuer prior to the commencement of a Campaign, and fees payable by Investors are described in the Investor User Agreement which must be electronically signed by each Issuer prior to making an investment. By electronically signing the applicable User Agreement, the User is agreeing to pay all Fees as and when due. Fees are not refundable.

5.2 PAYMENT PROCESSING

Payment processing services for Invown.com are provided by Braintree Limited/PayPal (www.braintreepayments.com)(www.paypal.com), and Prime Trust LLC (www.primetrust.com) or such other payment processor or financial institution as is from time to time designated by us. By registering your Account, you agree to be bound by the services agreement of each such institution, as modified from time to time. As a condition of Invown.com enabling its payment processing services, you agree to provide Invown.com accurate and complete information about you and your business, and you authorize Invown.com to share with its processor or financial institution such information as well as transaction information related to your use of the payment processing services provided by us. At its discretion, from time to time Invown.com may (but shall not be required to) accept and process wire transfers, wallets, credit and debit cards, ACH and other payment methods (each a “Payment Method”). Payment options will be provided as part of each transaction.

5.3 NON-PAYMENT

If User fails to pay any Fees or any other amount due to Invown.com or its Affiliates, whether by canceling User’s authorization to withdraw any Fees from User’s bank account, or canceling User’s credit or debit card, or initiating an improper chargeback, or any other means, Invown.com may suspend or close User’s Account, revoke User’s access to the Site and take any and all actions permitted by the applicable law to collect all amounts due. Without limiting other available remedies, User must pay Invown.com upon demand all amounts owed under the Terms of Service, plus interest on the outstanding amount at the lesser of eighteen percent (18.0%) per annum or the maximum interest allowed by applicable law, plus attorneys’ fees and other costs of collection to the extent permitted by applicable law. To the extent permitted by applicable law, Invown.com, at our discretion, may set off amounts due against other amounts received from or held by Invown.com or its payment processor for User, make appropriate reports to credit reporting agencies and law enforcement authorities, and cooperate with credit reporting agencies and law enforcement authorities in any resulting investigation or prosecution.

5.4 NO RETURN OF FUNDS

User acknowledges and agrees that Invown.com will charge User’s designated Payment Method for all Fees payable pursuant to the User Agreement. In consideration of the Services provided by Invown.com, User agrees that once Invown.com charges the User’s designated Payment Method as provided in this Agreement or the other Terms of Service, the charge for any Fees is non-refundable, except as provided in the User Agreement or otherwise agreed by Invown.com or required by applicable law. User also acknowledges and agrees that the Terms of Service provide a dispute resolution process as a way for User to resolve disputes. To the extent permitted by applicable law, User therefore agrees not to ask its credit card company, bank, or another payment provider to chargeback any Fees charged pursuant to a User Agreement for any reason. A chargeback in breach of the foregoing obligation is a material breach of the Terms of Service. If User initiates a chargeback in violation of this Agreement, User agrees that Invown.com may dispute or appeal the chargeback and institute collection action against User and may pursue any and all other remedies allowed by law.

5.5 PAYMENT METHODS

In order to use the Site and Service, User must provide account information for at least one Payment Method authorized by Invown.com. User hereby authorizes Invown.com to run authorizations on all Payment Methods provided by User, to store banking or charge card or other financial details as User’s Payment Method, and to charge User’s Payment Method for Fees and any other costs as provided in the Terms of Service and the User Agreement. User acknowledges and agrees that Invown.com is not required to offer any specific Payment Method.

By providing Payment Method information through the Site, User represents, warrants, and covenants that: (a) User is legally authorized to provide such information; (b) User is legally authorized to perform payments using the Payment Method(s); and (c) such action does not violate the terms and conditions applicable to User’s use of such Payment Method(s) or applicable law. When User authorizes a payment using a Payment Method via the Site, User represents, warrants, and covenants that there are sufficient funds or credit available to complete the payment using the designated Payment Method. To the extent that any amounts owed under this Agreement or the other Terms of Service cannot be collected from User’s Payment Method(s), User is solely responsible for paying such amounts by other means.

5.6 US DOLLARS AND FOREIGN CURRENCY CONVERSION

The Site and the Service operate in U.S. Dollars. If User’s currency, charge or debit card or other Payment Method is denominated in a currency other than U.S. Dollars and requires currency conversion to make payments in U.S. Dollars, Invown.com will charge User’s Payment Method in U.S. Dollars and User’s Payment Method provider will convert the payment at a foreign currency conversion rate selected by User’s Payment Method provider. User’s Payment Method provider may also charge fees directly to the Payment Method used to fund a cross-border payment even when no currency conversion is involved. User’s authorization of a payment using a foreign currency conversion rate displayed on the Site is at User’s sole risk. Invown.com and its Affiliates are not responsible for currency fluctuations that occur when billing or crediting a Payment Method denominated in a currency other than U.S. Dollars.

6. LICENSES AND THIRD-PARTY CONTENT

6.1 SITE LICENSE AND INTELLECTUAL PROPERTY RIGHTS

All content included on the Site, such as text, graphics, logos, button icons, images, audio, illustrations, patents, trademarks, service marks, videos, music, digital downloads, data compilations, and software, is the property of Invown.com or its content suppliers and protected by United States and international copyright laws. The compilation of all content on the Site is the exclusive property of Invown.com and protected by the United States and international copyright laws. All software used on (or provided through) the Site is the property of Invown.com or its software suppliers and protected by United States and international copyright laws. Invown.com and our licensors retain all right, title, and interest in and to all Intellectual Property Rights related in and to the Site and the Service. The Invown.com logos and names are trademarks of Invown.com and may be registered in certain jurisdictions. All other product names, company names, marks, logos, and symbols on the Site or Service may be the trademarks of their respective owners. Except as expressly stated in this Agreement, nothing in the Terms of Service confers any license under any of Invown.com’s or any third-party’s Intellectual Property Rights, whether by estoppel, implication, or otherwise. Subject to and conditioned upon your compliance with the Terms of Service, Invown.com grants you a limited license to access and, if you have created an Account, to use the Site for the purpose of using the Service. Without limiting the generality of the foregoing, the following are prohibited, and by establishing an Account and/or using the Site and Service you warrant, represent and covenant that you and all persons acting through you or on your behalf or with your knowledge will comply with the following provisions and restrictions:

(a) You must not access (or attempt to access) the Site or Service by any means other than the interface provided, and you must not use information from the Site or Service for any purposes other than the purposes for which it was made available.

(b) You must not use the Site or Service for offering any goods or services except for campaigns of Issuers that have been approved by Invown.com.

(c) You must not sell, reproduce, distribute, modify, display, publicly perform, prepare derivative works based on, repost, or otherwise use any content of the Site or Service in any way for any public or commercial purpose without Invown.com’s prior written consent.

(d) You must not use any content of the Site or Service on any other website or in a networked computer environment for any purpose except your own viewing without Invown.com’s prior written consent.

(e) You must not frame or link to the Site or Service except as permitted in writing by Invown.com.

(f) You must not attempt to reverse engineer, modify, adapt, translate, prepare derivative works from, decompile, attempt to interfere with the operation of, or otherwise attempt to derive source code or underlying algorithms from any part of the Site or Service unless expressly permitted by applicable law.

(g) You must not access the Service in order to build a similar service or application, or publish any performance, or any benchmark test or analysis relating to the Service.

(h) You must not rent, lease, or use the Service for timesharing or service bureau purposes.

(i) You must not remove or obscure any proprietary notices on the Service.

(j) You must not use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic devices, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Service or any content, or in any way reproduce or circumvent the navigational structure or presentation of the Service or any content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Service.

(k) You must not attempt to gain unauthorized access to any portion or feature of the Service, or any other systems or networks connected to the Service or to any Invown.com server, or to any of the services offered on or through the Service, by hacking, password “mining”, or any other illegitimate means.

(l) You must not probe, scan or test the vulnerability of the Service or any network connected to the Service, nor breach the security or authentication measures on the Service or any network connected to the Service.

(m) You must not use any device, software, or routine to interfere or attempt to interfere with the proper working of the Service or any transaction being conducted on the Service, or with any other person’s use of the Service.

(n) You must not distribute pornographic content.

6.2 USER CONTENT LICENSE

(a) “User Content” includes your profile, feedback, testimonials, messages (other than private messages), all information an Issuer provides related to a Campaign, and any information you post on the Site or through the Service. By posting User Content on the Site or through the Service, you represent and warrant that you have the right, power, and authority to post User Content and grant the licenses specified below. You further represent and warrant that by providing such User Content you will not violate third-party rights of any kind, including, without limitation, any Intellectual Property Rights, rights of publicity, and privacy rights. To the extent your User Content may be copyrightable, you represent, warrant, and covenant that you are the owner of all the copyright rights to such User Content and that Invown.com may exercise the rights to your User Content granted under the Terms of Service without any liability or obligation for any payment.

(b) You retain all ownership rights in any User Content you post on Invown.com. To the extent permitted by applicable law, you also grant to Invown.com and our successors and Affiliates a royalty-free, sub-licensable, transferable, perpetual, irrevocable, non-exclusive, worldwide license to use, reproduce, modify, publish, list information regarding, edit, translate, distribute, publicly perform, publicly display, and make derivative works of all such User Content and your name, voice, and/or likeness as contained in your User Content, in whole or in part, and in any form, media, or technology, whether now known or hereafter developed, for use in connection with the Site and Invown.com’s (and our successors’ and Affiliates’) business, including, without limitation, for promoting and redistributing part or all of the Site (and derivative works thereof) in any media formats and through any media channels.

(c) Notwithstanding the foregoing paragraph, Invown.com will only use or disclose User Content you post to any non-public area of the Site to the extent necessary to provide Service to you as further described in our Privacy Policy.

(d) The licenses to User Content granted by you in this Agreement will terminate within a commercially reasonable time after you remove or delete your User Content from the Site, except that you grant Invown.com and our successors and Affiliates the irrevocable and perpetual license to retain and use, but not publicly display or distribute, server or archival copies of all User Content that you have removed or deleted to the extent permitted by applicable law.

(e) You may submit comments or ideas about the Site and Service, including without limitation about how to improve the Site or Service (collectively, “Ideas”). By submitting any Ideas, you agree that: (a) your disclosure is voluntary, gratuitous, unsolicited, and without restriction and will not place Invown.com under any fiduciary or other obligation, (b) your Ideas do not contain the confidential or proprietary information of third parties, and (c) we are free to use the Ideas without any additional compensation to you and to disclose the Ideas on a non-confidential basis or otherwise to anyone. You further acknowledge and agree that, by acceptance of your submission, Invown.com does not waive any rights to use similar or related ideas known or developed by Invown.com or obtained from sources other than you.

(f) Your User Content license does not include the right to use the Service to send or receive e-mails except to Invown.com and only in connection with your use of the Service.

(g) You may not post User Content, including images and documents, that knowingly infringes on the intellectual property rights of others, including copyright, trademark, and patent infringement, or that includes any obscene or libelous material or other material that violates any applicable law or regulation.

6.3 UNAUTHORIZED ACCESS AND USE; SITE INTERFERENCE

The Site contains robot exclusion headers. You agree that you will not use any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission. You will not access the audiovisual content available on the Site for any purpose or in any manner other than streaming. You agree that you will not: (a) take any action that imposes or we believe may impose (in our sole discretion) an unreasonable or disproportionately large load on the Site’s infrastructure; (b) copy, reproduce, modify, create derivative works from, distribute, or publicly display any content (other than content you have submitted to the Site) from the Site, any software code that is part of the Site, or any services that are offered on the Site without the prior express written permission of Invown.com and the appropriate third-party, as applicable; (c) interfere or attempt to interfere with the proper operation of the Site or any activities conducted on the Site; (d) bypass any measures we may use to prevent or restrict access to the Site or any subparts of the Site, including, without limitation, features that prevent or restrict use or copying of any content or enforce limitations on use of the Site or the content therein; (e) transmit spam, chain letters, or other unsolicited communications; (f) attempt to interfere with or compromise the system integrity or security or decipher any transmissions to or from the servers running the Site; (g) collect or harvest any personally identifiable information, including Account names, from the Site; (h) access any content on the Site through any technology or means other than those provided or authorized by the Site; or (i) directly or indirectly, advertise or promote another website, product, or service or solicit other Users for other websites, products, or services.

6.4 MALICIOUS SOFTWARE

You agree that you will not post or introduce any invalid data, virus, worm, or other harmful or malicious software code, agent, hidden procedure, routine, or mechanism through or to the Site or the Site software that is designed to cause to cease functioning, disrupt, disable, harm, or otherwise impair in any manner, including aesthetic disruptions or distortions, the operation of (or to allow you or any other person to access or damage or corrupt data, storage media, programs, equipment, or communications or otherwise interfere with operations of or on) the Site or any other software, firmware, hardware, computer system, or network of Invown.com or any third-party.

6.5 THIRD-PARTY VERIFICATION

The Site may make available various services provided by third parties to verify a User’s credentials and provide other information. Any information or content expressed or made available by these third parties or any other Users is that of the respective author(s) or distributor(s) and not of Invown.com. Invown.com neither endorses nor is responsible for the accuracy or reliability of any opinion, advice, information, or statement made on the Site by anyone other than Invown.com’s authorized employees acting in their official capacities.

6.6 LINKS AND APPLICATIONS

The Site may contain links to third-party websites. The Site may also contain applications that allow you to access third-party websites via the Site. Such third-party websites are owned and operated by the third parties and/or their licensors. Your access and use of third-party websites, including online communication services, such as chat, email, and calls will be governed by the terms and policies of the applicable third-party websites. You acknowledge and agree that Invown.com is not responsible or liable for: (a) the availability or accuracy of third-party websites; or (b) the content, advertising, or products on or available from third-party websites. You are responsible for deciding if you want to access third-party websites by clicking on a link or installing an application. The inclusion of any link or application on the Site does not imply that we endorse the linked site or application. You use the links and third-party websites at your own risk and agree that your use of an application or third-party website via the Site is on an “as is” and “as available” basis without any warranty for any purpose.

6.7 MOBILE AND OTHER DEVICES

When using our mobile applications, please be aware that your carrier’s normal rates and fees, such as text messaging and data charges, will still apply. Our mobile applications may not contain the same functionality available on the Site.

6.8 SITE UPDATES

We may from time to time in our sole discretion develop and provide Service updates, which may include upgrades, bug fixes, patches, and other error corrections and/or new features (collectively, including related documentation, “Updates”). Updates may also modify or delete in their entirety certain features and functionality. You agree that we do not have any obligation to provide any Updates or to continue to provide or enable any particular features or functionality. You will promptly download and install all Updates and acknowledge and agree that Service or portions thereof may not work properly should you fail to do so. You further agree that all Updates will be subject to the terms of the Terms of Service, unless otherwise provided in terms associated with such Update. Invown.com reserves the right, at any time, to modify, suspend, or discontinue Service or any part thereof without notice. You agree Invown.com will not be liable to you or any third party for any modification, suspension, or discontinuance of Service or any part thereof.

7. YOUR RELATIONSHIP WITH Invown.com

You acknowledge and agree that, except for the Service provided by Invown.com and your payment of any Fees as consideration for the Service, you have no relationship with Invown.com. Neither this Agreement, the Terms of Service nor any Account registration will be construed as creating or implying any relationship of agency, franchise, partnership, or joint venture between any your and Invown.com, except and solely to the extent expressly stated in these Terms of Service.

8. COMMUNICATIONS FROM YOU TO INVOWN.COM

All notices to Invown.com intended to have a legal effect must be in writing and delivered either (a) in person; (b) by a means evidenced by a delivery receipt, to the following address: Invown Corp., 15 Stimson Rd, New Haven CT 06511; or (c) in writing via email to [email protected]. All such notices are deemed effective upon actual receipt by Invown.com. Invown.com does not accept service of any legal process by email or mail; all such service should occur by hand delivery on Invown.com or its registered agent for service of process.

9. WARRANTY DISCLAIMER

YOU AGREE NOT TO RELY ON THE SITE, THE SERVICE, ANY INFORMATION ON THE SITE OR THE CONTINUATION OF THE SITE. THE SITE AND THE SERVICE AND ALL INFORMATION AND CONTENT AND ALL PRODUCTS AND SERVICES OFFERED OR ACCESSED THROUGH THE SITE OR SERVICES, INCLUDING CONTENT PROVIDED BY THIRD-PARTY PROVIDERS, ADVERTISERS AND SPONSORS ON ANY SITE, ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Invown.com DISCLAIMS ALL EXPRESS AND IMPLIED CONDITIONS, REPRESENTATIONS, AND WARRANTIES INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. ALL INFORMATION, CONTENT, PRODUCTS AND SERVICES OFFERED OR ACCESSED THROUGH ANY HYPERLINKED SITE IS PROVIDED “AS IS” WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR REPRESENTATION OF ANY KIND, AND YOU ACCESS THESE AT YOUR OWN RISK. SOME JURISDICTIONS MAY NOT ALLOW FOR ALL OF THE FOREGOING LIMITATIONS ON WARRANTIES, SO TO THAT EXTENT, SOME OR ALL OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. ARTICLE 10 (LIMITATION OF LIABILITY) STATES USER’S SOLE AND EXCLUSIVE REMEDY AGAINST Invown.com WITH RESPECT TO ANY DEFECTS, NON-CONFORMANCES, OR DISSATISFACTION.

WITHOUT LIMITING THE ABOVE DISCLAIMERS, Invown.com (INCLUDING ITS AFFILIATES, SUBSIDIARIES, AGENTS, SUPPLIERS, LICENSORS, OR THIRD-PARTY SERVICE PROVIDERS): (1) MAKES NO WARRANTIES OR REPRESENTATIONS WHATSOEVER CONCERNING THIS SITE, THE SERVICE OR ANY OTHER INTERNET SITE, THE ACCESS TO, OR THE AVAILABILITY OR USE OF, THIS SITE, THE SERVICE OR ANY OTHER INTERNET SITE, THE INFORMATION AND CONTENT FROM WHATEVER SOURCE POSTED ON OR REFERRED TO ON THE SITE, THE SERVICE OR ANY OTHER INTERNET SITE OR THE ACCURACY, COMPLETENESS OR TIMELINESS OF SUCH INFORMATION OR CONTENT; (2) DOES NOT WARRANT OR REPRESENT THAT YOUR ACCESS TO, OR USE OF, THIS SITE, THE SERVICES OR ANY OTHER INTERNET SITE WILL BE UNINTERRUPTED OR FREE OF ERRORS OR OMISSIONS, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE, THE SERVICES OR ANY OTHER INTERNET SITE IS, OR THE INFORMATION OR CONTENT FROM WHATEVER SOURCE AVAILABLE FOR USE OR DOWNLOADING ARE, FREE OF COMPUTER VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS; (3) DOES NOT REPRESENT OR WARRANT THAT THE SERVICES OR ANY OTHER SERVICES OR PRODUCTS LISTED ON, OR ACCESSED THROUGH, THIS SITE WILL BE AVAILABLE FOR PURCHASE OR NOT WITHDRAWN AT ANY TIME AND MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND WHATSOEVER CONCERNING SUCH PRODUCTS OR SERVICES; AND (4) DOES NOT REPRESENT OR WARRANT THE ACCURACY, FUNCTIONALITY OR SPECIFICATIONS OR ANY OTHER ASPECT OF ITEMS FROM WHATEVER SOURCE POSTED OR ACCESSED THROUGH THIS SITE. PLEASE NOTE THAT SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

10. LIMITATION OF LIABILITY

IN NO EVENT WILL Invown.com, ITS AFFILIATES, SUBSIDIARIES, AGENTS, SUPPLIERS, LICENSORS, OR THIRD-PARTY SERVICE PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, PUNITIVE OR EXEMPLARY COSTS OR OTHER CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS SITE, THE SERVICES OR ANY OF THE PRODUCTS OR SERVICES OFFERED OR ACCESSED THROUGH THIS SITE, OR ANY OTHER HYPERLINKED SITE, INCLUDING, WITHOUT LIMITATION, ATTORNEYS’ FEES AND EXPENSES, ANY LOST REVENUES, LOST PROFITS, LOSS OF PROSPECTIVE ECONOMIC ADVANTAGE, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR SYSTEM OR OTHERWISE ARISING OUT OF THE USE OR MISUSE OF OR INABILITY TO USE ANY SITE OR THE INFORMATION, CONTENT, DOCUMENTS OR SOFTWARE THEREOF, EVEN IF Invown.com, ITS SUBSIDIARIES, AFFILIATED COMPANIES, AGENTS, OR SUPPLIERS ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR FOR ANY CLAIM BY A THIRD PARTY. YOUR SOLE AND EXCLUSIVE REMEDY AGAINST Invown.com, ITS SUBSIDIARIES, AFFILIATED COMPANIES, AGENTS, AND SUPPLIERS IS TO DISCONTINUE USE OF THIS SITE AND ANY HYPERLINKED SITES AND TO DISCONTINUE THE USE OF PRODUCTS AND SERVICES OFFERED OR ACCESSED ON THIS SITE AND ANY HYPERLINKED SITES. THESE LIMITATIONS WILL APPLY TO ANY LIABILITY, ARISING FROM ANY CAUSE OF ACTION WHATSOEVER ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR THE OTHER TERMS OF SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH COSTS OR DAMAGES AND EVEN IF THE LIMITED REMEDIES PROVIDED HEREIN FAIL OF THEIR ESSENTIAL PURPOSE. SOME STATES AND JURISDICTIONS DO NOT ALLOW FOR ALL OF THE FOREGOING EXCLUSIONS AND LIMITATIONS, SO TO THAT EXTENT, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

11. DISPUTE RESOLUTION

11.1 DISPUTE PROCESS AND SCOPE

If a dispute arises between you and Invown.com or our Affiliates, our goal is to resolve the dispute quickly and cost-effectively. Accordingly, you, Invown.com, and our Affiliates agree to resolve any claim, dispute, or controversy that arises out of or relates to this Agreement, the other Terms of Service, your relationship with Invown.com, the termination of your relationship with Invown.com or the Service (each, a “Claim”) in accordance with this Section. For the avoidance of doubt, Claims include but are not limited to, all claims, disputes, or controversies arising out of or relating to the Terms of Service, any payments or monies you claim are due to you from Invown.com or its Affiliates or successors, trade secrets, unfair competition, false advertising, consumer protection, privacy, compensation, classification, expense reimbursement, termination, discrimination or harassment and claims arising under the Uniform Trade Secrets Act as enacted in any state, state statutes or regulations addressing the same or similar subject matters, and all other federal or state legal claims arising out of or relating to your relationship with Invown.com or the termination of that relationship. Only with respect to the Arbitration Provision, Claims do not include disputes arising out of either party’s intellectual property rights for which a provisional remedy or equitable relief is sought or disputes that may not be subject to a pre-dispute arbitration agreement as provided by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Public Law 111-203) and are excluded from the coverage of the Arbitration Provision. You agree that any Claim must be resolved as described in the subsections below titled “Informal Dispute Resolution” and “Mandatory Binding Arbitration”. You understand and agree (i) that the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a class or representative proceeding or claims (such as a class action, consolidated action or private attorney general action) unless both you and Invown.com specifically agree to do so following initiation of the arbitration and (ii) that you and Invown.com are each waiving the right to a jury trial or a trial before a judge in a public court.

11.2 INFORMAL DISPUTE RESOLUTION

Before serving a demand for arbitration of a Claim, you agree to first notify Invown.com of the Claim addressed to Invown Corp., PO BOX 5292, Lancaster PA 17606 or by email to [email protected], and Invown.com agrees to provide to you a notice at your email address on file (in each case, a “Notice”) and seek informal resolution of the Claim. Any Notice from you must include your name, pertinent account information, a brief description of the Claim, and your contact information so that we may evaluate the Claim and attempt to informally resolve the Claim. Any Notice from Invown.com must include pertinent account information, a brief description of the Claim, and Invown.com’s contact information, so that you may evaluate the Claim and attempt to informally resolve the Claim. Both you and Invown.com will have 60 days from the date of the receipt of the Notice to informally resolve the other party’s Claim, which, if successful, will avoid the need for further action.

11.3 MANDATORY BINDING ARBITRATION

Any unresolved controversy or Claim between you and Invown.com arising out of or relating to this Agreement or the Terms of Service and not resolved informally, except as (i) otherwise provided in this Agreement, or (ii) any such controversies or Claims arising out of either party’s intellectual property rights for which a provisional remedy or equitable relief is sought, shall be submitted to arbitration. You and Invown each irrevocably submit all disputes arising under this agreement to arbitration in the City of Lancaster, State of Pennsylvania before a single arbitrator of the American Arbitration Association (“AAA”). The arbitrator shall be selected by application of the rules of the AAA, or by our mutual agreement. Each party shall be responsible for its own costs associated with the arbitration, except that the costs of the arbitrator shall be equally divided by the parties. The award issued by the arbitrator may be confirmed in a judgment by any federal or state court of competent jurisdiction. You and Invown.com each consent to personal jurisdiction for any equitable action sought in any court of Lancaster County, State of Pennsylvania, having subject matter jurisdiction. You agree that this dispute process is the EXCLUSIVE method of resolving all such disputes.

11.4 CHOICE OF LAW

This Agreement, the other Terms of Service, and any Claim will be governed by and construed in accordance with the laws of the State of Pennsylvania, without regard to its conflict of law provisions.

12. INDEMNIFICATION

You will indemnify, defend, and hold harmless Invown.com, our Affiliates, and our respective directors, officers, employees, representatives, and agents (each an “Indemnified Party”) from any and all claims, damages, liabilities, costs, losses, and expenses (including, but not limited to, reasonable attorneys’ fees and all related costs and expenses) arising from or relating to any claim, suit, proceeding, demand, or action brought by you or a third-party or other User against an Indemnified Party relating to: (a) use of the Site and the Service by you or your agents, including any payment obligations incurred through use of the Service; (b) failure to comply with the Terms of Service by you or your agents; (c) failure to comply with applicable law by you or your agents; (d) negligence, willful misconduct, or fraud by you or your agents; and (e) defamation, libel, violation of privacy rights, unfair competition, or infringement of Intellectual Property Rights or allegations thereof to the extent caused by you or your agents.

13. AGREEMENT TERM AND TERMINATION

13.1 EFFECTIVE DATE; METHOD OF TERMINATION

The Terms of Service, as amended from time to time, will become effective on the later of the Effective Date or on your first visit to the Site and will remain in effect for the duration of your use of the Site or Service. Upon termination of your User Agreement for any reason, except as otherwise provided herein, this Agreement and all Terms of Service will be terminated, and you will not be permitted to use the Site or Service unless and until a replacement User Agreement and other Terms of Service are executed by both parties. You may provide written notice of termination to [email protected]. We may provide written notice of termination to your email address on file. In the event this Agreement is terminated, your right to use the Site is automatically revoked, and your Account will be closed; however, you will continue to be obligated to pay any amounts accrued but unpaid as of the date of termination to Invown.com for any Service. Without limiting any other provisions of the Terms of Service, the termination of this Agreement for any reason will not release you or Invown.com from any obligations incurred prior to termination of this Agreement or that thereafter may accrue in respect of any act or omission prior to such termination. Those portions of the Terms of Service necessary to implement the foregoing survive termination of this Agreement for any reason.

13.2 ACCOUNT SUSPENSION, REVOCATION OR CLOSURE

(a) Without limiting Invown.com’s other rights or remedies, we may temporarily suspend, indefinitely suspend, or permanently revoke your access to the Site and refuse to provide any or all Service to you if: (i) you breach the letter or spirit of any terms and conditions of this Agreement, the User Agreement or other parts of the Terms of Service; (ii) we suspect or become aware that you have provided false or misleading information to us; or (iii) we believe, in our sole discretion, that your actions may cause legal liability for you, our Users, or Invown.com or our Affiliates or may be contrary to the interests of the Site or the User community or may involve illicit activity. If your Account is suspended or closed, you may not use the Site under the same Account or a different Account or reregister under a new Account without Invown.com’s prior written consent. If you attempt to use the Site under a different Account, we reserve the right to reclaim available funds in that Account and/or use an available bank account or charge or debit card or other Payment Method you have provided to pay for any amounts owed by you to the extent permitted by applicable law.

(b) If your Account is closed for any reason, you will no longer have access to data, messages, files, and other material you keep on the Site. If practicable or required by law, Invown.com will retain this information for a period of up to five years from the date of closure. However, you understand that any closure of your Account may involve deletion of any content stored in your Account for which Invown.com will have no liability whatsoever.

13.3 CONSEQUENCES OF AGREEMENT TERMINATION

(a) Termination of this Agreement and/or closing of your Account will not relieve you of the requirement to pay Fees incurred before termination of this Agreement, which Fees, together with any applicable taxes, you hereby authorize Invown.com to charge to your financial account or credit or debit card pursuant to Section 5 of this Agreement (Payment Terms).

(b) Except as otherwise required by applicable law, we will notify you if we close your Account, unless we believe, in our sole judgment, that giving notice may cause damage.

13.4 SURVIVAL

After this Agreement terminates, the terms of this Agreement and the other Terms of Service that expressly or by their nature contemplate performance, after the Agreement terminates or expires, will survive and continue in full force and effect. For example, the provisions protecting Confidential Information, requiring arbitration, protecting intellectual property, indemnification, payment of Fees, reimbursement and setting forth limitations of liability each, by their nature, contemplate performance or observance after this Agreement terminates.

14. GENERAL

14.1 ENTIRE AGREEMENT

This Agreement, together with the User Agreement and other Terms of Service, sets forth the entire agreement and understanding between you and Invown.com relating to the subject matter hereof and thereof and cancels and supersedes any prior or contemporaneous discussions, agreements, representations, warranties, and other communications between you and us, written or oral, to the extent they relate in any way to the subject matter hereof and thereof. The section headings in the Terms of Service are included for ease of reference only and have no binding effect. Even though Invown.com drafted the Terms of Service, you represent that you had ample time to review and decide whether to agree to the Terms of Service. If an ambiguity or question of intent or interpretation of the Terms of Service arises, no presumption or burden of proof will arise favoring or disfavoring you or Invown.com because of the authorship of any provision of the Terms of Service.

14.2 SIDE AGREEMENTS

The terms and conditions of this Agreement and the other Terms of Service will govern and supersede any term or condition in any previous agreement or subsequent side agreement that purports to expand Invown.com’s obligations or restrict Invown.com’s rights under the Terms of Service.

14.3 COMPLIANCE

You will not violate any applicable foreign, federal, state, or local laws or third-party rights on or related to the Site or Service. Without limiting the generality of the foregoing, You agree to comply with all applicable laws and regulations, including, but not limited to, securities laws and related regulations and governmental requirements and third parties’ Intellectual Property Rights.

14.4 MODIFICATIONS

No modification or amendment to the Terms of Service will be binding upon Invown.com unless in a written instrument signed by a duly authorized representative of Invown.com. For the purposes of this subsection, a written instrument will expressly exclude electronic communications, such as email and electronic notices. This Section 14.4 (Modifications) does not apply to amendments to the Terms of Service posted by Invown.com to the Site from time to time.

14.5 NO WAIVER

The failure or delay of either party to exercise or enforce any right or claim does not constitute a waiver of such right or claim and will in no way affect that party’s right to later enforce or exercise it, unless such party issues an express written waiver, signed by a duly authorized representative of such party.

14.6 ASSIGNABILITY

User shall not assign this Agreement or any of its rights or obligations under this Agreement without the written consent of Invown in the form of a written instrument (and, for the purposes of this section, a written instrument will expressly exclude electronic communications such as email and electronic notices). Any attempted assignment or transfer in violation of this subsection will be null and void. Invown shall have the right to assign its rights or delegate any of its responsibilities under the Terms of Service to an Affiliate or in connection with a merger, consolidation or reorganization of Invown or the sale of substantially all of its assets. Subject to the foregoing restrictions, the Terms of Service will inure to the benefit of the successors and permitted assigns of the parties.

14.7 SEVERABILITY

If and to the extent any provision of this Agreement or the other Terms of Service is held illegal, invalid, or unenforceable in whole or in part under applicable law, such provision or such portion thereof will be ineffective as to the jurisdiction in which it is illegal, invalid, or unenforceable to the extent of its illegality, invalidity, or unenforceability and will be deemed modified to the extent necessary to conform to applicable law so as to give the maximum effect to the intent of the parties. The illegality, invalidity, or unenforceability of such provision in that jurisdiction will not in any way affect the legality, validity, or enforceability of such provision in any other jurisdiction or of any other provision in any jurisdiction.

14.8 FORCE MAJEURE

The parties to this Agreement will not be responsible for the failure to perform or any delay in performance of any obligation hereunder due to labor disturbances, accidents, fires, floods, telecommunications or Internet failures, epidemics, pandemics, strikes, wars, riots, rebellions, insurrections, blockades, acts of government, governmental requirements and regulations or restrictions imposed by law or any other similar conditions beyond the reasonable control of such party. The time for performance of such party will be extended by the period of such delay. Irrespective of any extension of time, if an event of Force Majeure occurs and its effect continues for a period of 60 days, either the party may give to the other a 30-day notice of termination. If, at the end of the 30-day period, the effect of the Force Majeure continues, the Agreement and the other Terms of Service will terminate.

14.9 COMMUNICATIONS DECENCY ACT

We are not liable for any defamatory Content posted on the Site by any third party. Although we may choose to edit or delete any clearly defamatory Content, we are not required to do so, and we reserve all defenses for such speech made available to us by Section 230 of the Communications Decency Act, applicable statutes, the common law, and the First Amendment to the Constitution of the United States of America. If you are considering attempting to circumvent these defenses by filing suit against us in another country for Content that a third party has posted to the Site, we recommend that you review the Securing the Protection of our Enduring and Established Constitutional Heritage (SPEECH) Act as passed by the United States Congress, which makes foreign libel judgments unenforceable in U.S. courts unless those judgments comply with the First Amendment to the Constitution of the United States of America.

14.10 PREVAILING LANGUAGE AND LOCATION

The English language version of the Terms of Service will be controlling in all respects and will prevail in case of any inconsistencies with translated versions, if any. The Site is controlled and operated from our facilities in the United States. Invown.com makes no representations that the Site is appropriate or available for use in other locations. Those who access or use the Site from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable foreign, United States, state, and local laws and regulations, including, but not limited to, export and import regulations, including the Export Administration Regulations maintained by the United States Department of Commerce and the sanctions programs maintained by the Department of the Treasury Office of Foreign Assets Control. You must not directly or indirectly sell, export, re-export, transfer, divert, or otherwise dispose of any software or service to any end user without obtaining any and all required authorizations from the appropriate government authorities. You also warrant that you are not prohibited from receiving U.S. origin products, including services or software. You may not use or access the Site if you are: (a) a resident of a geographic area embargoed by the United States; (b) subject to United States economic sanctions that prohibit your use or access to the Site; or (c) a foreign person or entity blocked or denied by the United States government. All materials found on the Site are solely directed to individuals, companies, or other entities located in the United States.

14.11 LIMITATION ON ACTIONS

Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or Services or these Terms of Service must be filed within two (2) years after such claim or cause of action arose or be forever barred.

14.12 CONTACTING US

If you have questions or need assistance, please contact us at [email protected].

15. TERMS OF USE

In order to maintain a safe and trusted marketplace for the Site and to avoid the use of the Site or Service for unauthorized or unintended purposes, we require you and all other Users of the Site to agree to and comply with these Terms of Use (the “Terms”). These Terms set forth the acceptable and prohibited uses of our Site and are in addition to the other Terms of Service. By accessing the Site or using any of the Site or Service after the Effective Date, you agree to these Terms. You are also independently responsible for complying with all applicable laws related to your use of the Site or the Service whether or not covered by the Terms.

15.1 PROHIBITED SITE USE

The uses described in this Article 15 are prohibited regardless of where on the Site they occur. For example, the activities are prohibited in Profiles, messages, comments, communications with customer service or disputes, and feedback.

15.1.1 ILLEGAL, FRAUDULENT, HARMFUL, OR OFFENSIVE USES

You may not use, or encourage, promote, facilitate or instruct or induce others to use, the Site or Service for any activities that violate any law, statute, ordinance or regulation; for any other illegal, fraudulent, harmful, or offensive purpose; or to transmit, store, display, distribute or otherwise make available content that is illegal, harmful, or offensive.

Examples of prohibited uses of the Site or Service include:

• Seeking, offering, or endorsing illegal, obscene, or pornographic items or activities, including items (i) that would violate the intellectual property rights, including copyrights, of another person, entity, service, product, or website or (ii) that would involve the creation, review, or editing of pornographic, erotic, obscene, or sexually explicit material;
• Posting content or comments that are offensive, defamatory, profane, vulgar, obscene, threatening, discriminatory, illegal, pornographic, obscene or sexually explicit in nature;
• Unlawfully discriminating on the basis of race, religion, color, national origin, ancestry, physical or mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, military/veteran status or any basis protected by applicable law;
• Misusing a community forum or Content to express political or religious views or for social commentary;
• Posting content or comments that are harassing towards another person or violate the rights of a third party;
• Posting identifying information concerning another person;
• Using a Payment Method not belonging to you without the permission of the owner;
• Spamming other Users;
• Using any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission or collecting or harvesting any personally identifiable information, including Account names, from the Site; and
• Engaging in any conduct that is reasonably likely to or that is intended to harm the Site, including (i) imposing an unreasonable or disproportionately large load (in our sole discretion) on the Site’s infrastructure; (ii) interfering or attempting to interfere with the proper operation of the Site or Service or any activities conducted on the Site; (iii) bypassing any measures we may use to prevent or restrict access to the Site or any subparts of the Site, including, without limitation, features that prevent or restrict use or copying of any content or enforce limitations on use of the Site or the content therein; or (iv) attempting to interfere with or compromise the system integrity or security or decipher any transmissions to or from the servers running the Site.

15.1.2 USING THE SITE TO POST FALSE OR MISLEADING CONTENT

All Profiles and other Content posted to the Site must be truthful and not misleading. Here are examples of prohibited uses:

• Impersonating any person or entity, including, but not limited to, an Invown.com representative or falsely stating or otherwise misrepresenting your affiliation with a person or entity;
• Falsely attributing statements to any Invown.com representative or User; and
• Falsely stating or implying a relationship with Invown.com or with another company with whom you do not have a relationship.

15.2 ENFORCEMENT

We reserve the right but do not assume the obligation, to investigate any violation of these Terms. We may investigate violations and may remove, disable access to, or modify any Content that violates these Terms.

We may report any activity that we suspect violates any law or regulation to appropriate law enforcement officials, regulators, or other appropriate third parties. Our reporting may include disclosing appropriate User information. We also may cooperate with appropriate law enforcement agencies, regulators, or other appropriate third parties to help with the investigation and prosecution of illegal conduct by providing network and systems information related to alleged violations of these Terms.

15.3 REPORTING AND CORRECTING VIOLATIONS

If you become aware of any violation of these Terms, you must immediately report it to us at [email protected]. You agree to assist us with any investigation we undertake and to take any remedial steps we require in order to correct a violation of these Terms.

PRIVACY POLICY

This Privacy Policy is effective as of July 6, 2020.

The purpose of this Privacy Policy is to inform you of our policies and procedures for the collection, use, and disclosure of information through http://34.71.144.57 (the “Site”), and any other websites, features, applications, widgets, or online services that are owned or controlled by Invown Corp. or its affiliates or service providers (collectively, “Invown.com”) and that post a link to this Privacy Policy (together with the Site, the “Service”), as well as any information Invown.com collects offline in connection with the Service. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information. Note that we combine the information we collect from you from the Site, through the Service generally, and offline. If you do not agree to any part of this Privacy Policy, then we cannot provide the Service to you, and you should not proceed with accessing the Site.

By accessing or using the Service, you consent to the information collection, disclosure, and use practices described in this Privacy Policy. Please note that certain features or services referenced in this Privacy Policy may not be offered on the Service at all times. Please also review our Terms of Service, which governs your use of the Service, and which is accessible at https://Invown.com/Terms.

INFORMATION COLLECTION

Invown.com collects the following types of information:

INFORMATION YOU PROVIDE TO US

• Personal Information: In the course of using the Service, we may require or otherwise collect information that identifies you as a specific individual and can be used to contact or identify you (“Personal Information”). Examples of Personal Information include your name, email address, company address, billing address, phone number, IP address, password, and other information you provide us.
• Payment Information: If you use the Service to make payments, we will also collect certain payment information, such as credit card or other financial account information and billing address.
• Identity Verification: We may collect Personal Information, such as your date of birth and taxpayer identification number, to validate your identity or as may be required by law, such as to complete tax filings. We may request documents to verify this information, such as a copy of your government-issued identification or company certificate of good standing or photo or a billing statement.
• General Audience Service: The Service is a general audience and intended for users age 18 and older. All of our Services, including our Website, are intended for adult audiences and are not meant to address anyone under the age of 18 (“Children”). As such, Children under 18 may not use our Website. If you are under 18, do not attempt to register for or use any of our Services, including our Website, and do not provide us any Personal Information about yourself. We do not knowingly collect Personal Information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has violated this Privacy Policy and provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from children without verification of parental consent, we will take steps to remove that information from our servers.
• Non-Identifying Information/Usernames: We also may collect other information, such as zip codes, demographic data, information regarding your use of the Service, and general project-related data (“Non-Identifying Information”). We may aggregate information collected from Invown.com registered and non-registered users (together, “Invown.com Users”). In some cases, we may render Personal Information (generally, email address) into a form of Non-Identifying Information referred to in this Privacy Policy as “Hashed Information.” This is typically accomplished using a mathematical process (commonly known as a hash function) to convert information into a code. The code does not identify you directly, but it may be used to connect your activity and interests.
• Combination of Personal and Non-Identifying Information: Certain Non-Identifying Information would be considered a part of your Personal Information if it were combined with other identifiers in a way that enables you to be identified (for example, combining information with your name), but the same pieces of information are considered Non-Identifying Information when they are taken alone or combined only with other non-identifying information (for example, your viewing preferences). We may combine your Personal Information with Non-Identifying Information, but Invown.com will treat the combined information as Personal Information.
• Collection of Third-Party Personal Information: We collect the following personal information from you about your contacts: First, last name and email address when you provide it to us.

INFORMATION RECEIVED FROM THIRD PARTIES

We also may receive information about you from third parties. For example, we may supplement the information we collect with outside records or third parties may provide at your request (such as if you choose to sign in with a third-party service). If we combine the information we receive from others with information we collect through the Service, we will treat the combined information as described in this Privacy Policy.

INFORMATION COLLECTED FROM USERS AUTOMATICALLY

We and our third-party service providers, including analytics and third-party content providers, may automatically collect certain information from you whenever you access or interact with the Service. This information may include, among other information, the browser and operating system you are using, the URL or advertisement that referred you to the Service, the search terms you entered into a search engine that led you to the Service, areas within the Service that you visited, and other information commonly shared when browsers communicate with websites. We may combine this automatically collected log information with other information we collect about you. We do this to improve the services we offer you and to improve marketing, analytics, and site functionality.

The information we collect also includes the Internet Protocol (“IP”) address or other unique device identifiers (“Device Identifier”) for any device (computer, mobile phone, tablet, etc.) used to access the Service. A Device Identifier is a number that is automatically assigned or connected to the device you use to access the Service, and our servers identify your device by its Device Identifier. Some mobile service providers may also provide us or our third-party service providers with information regarding the physical location of the device used to access the Service.

TECHNOLOGIES WE USE

• Browser: Certain information is collected by most browsers, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system version, and Internet browser type and version. We may collect similar information, such as your device type and identifier if you access this Site through a mobile Device.
• IP Address: Your IP Address is a number that is automatically assigned by your Internet Service Provider to the computer that you are using. An IP Address is identified and logged automatically in our server log files whenever a User visits this Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the Internet and is done automatically by many websites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, and administering this Site.
• Cookies: Like many websites, we and our marketing partners, affiliates, analytics, and service providers use “cookies” to collect information. A cookie is a small data file that we transfer to your computer’s hard disk for record-keeping purposes. We use both persistent cookies that remain on your computer or similar device (such as to save your registration ID and login password for future logins to the Service and to track your compliance with the Invown.com Terms of Service) and session ID cookies, which expire at the end of your browser session (for example, to enable certain features of the Service, to better understand how Invown.com Users interact with the Service and to monitor aggregate usage by Invown.com Users and web traffic routing on the Service). You may be able to instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. If you do not accept cookies, however, you may not be able to use all functionality of the Service. For further information on cookies and how they are used for the Service, please read the Cookie Policy section of our Privacy Policy.
• Pixel Tags, Google Analytics, Web Beacons, Clear GIFs, and Other Similar Technologies: We and our marketing partners, affiliates, analytics, and service providers may also employ these technologies to help us keep track of what content on our Service is effective and to serve relevant advertising to you. Web beacons are small graphics with a unique identifier that may be invisible to you and which are used to track the online activity of Internet users. For example, clear GIFs and Web beacons may be embedded in the web pages you review or email messages you receive. These technologies may be used for a number of purposes, including, without limitation, to count visitors to our Site, to monitor how Invown.com Users navigate the Site, to count how many emails that were sent were actually opened, to count how many particular articles or links were actually viewed or to track response rates.
• Embedded Scripts: We and our marketing partners, affiliates, analytics, and service providers may also employ software technology known as an Embedded Script. An Embedded Script is a programming code that is designed to collect information about your interactions with the Service, such as the links you click on. The code is temporarily downloaded onto your computer or other device and is deactivated or deleted when you disconnect from the Service.
• Other Technologies: In addition, we and our marketing partners, affiliates, analytics, and service providers may use a variety of other technologies (such as tags) that collect similar information for security and fraud detection purposes and we may use third parties to perform these services on our behalf.
• Specific 3rd Party Service Providers: com may use the following third-party Service Providers to provide the services described below. From time to time, we may change or use additional service providers.

3RD PARTY	SERVICES AND USES
Google Analytics	Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. We use Google Analytics for aggregated, anonymized website traffic analysis. In order to track your session usage, Google drops a cookie (_ga) with a randomly-generated ClientID in your browser. This ID is anonymized and contains no identifiable information like email, phone number, name, etc. We also send Google your IP Address. We use Google Analytics to track aggregated website behavior, such as what pages you looked at, for how long, and so on. This information is important to us for improving the user experience and determining site effectiveness.
Segment.io	Segment.io is a platform used to collect and manage analytics data.
Adroll	Adroll brings together data, channels and measurement all in one place. It is used to ensure our campaigns reach the right people and to improve placement online.
Braintree/Paypal	Braintree/Paypal is an online payment processor we use to accept certain payments.
Prime Trust	Prime Trust is an escrow agent registered with the SEC and FINRA/SIPC which we use as escrow holder and payment processor for certain payments.

USER PROFILES

When you register with the Site, you will create a profile, which consists of information about you, and may include Personal Information, photographs, feedback/rating information and other information, including your username and password (“Profile”). The information in your Profile will not be visible to other Invown.com Users and the general public unless the privacy choices you make within your Invown.com Profile allow your Profile to be visible. You may edit certain information in your Profile via your account to change your Privacy settings. If you believe that an unauthorized profile has been created about you, you can request for it to be removed by contacting us at hello@Invown.com.

COMMUNITY FORUMS

The Service may from time to time provide you the opportunity to participate and post content publicly in forums, on blogs, through interactive features and through other communication functionality (“Community Forums”). If we provide Community Forums, you may choose, through such features or otherwise, to submit or post questions, comments, or other content (collectively, “User Forum Content”). Please note that certain information, such as your name and the general location, may be publicly displayed on the Service along with your User Forum Content. Please note that your use of Community Forums is subject to the Invown.com Forum Rules and our Terms of Service.

Note that anything you post to a Community Forum is public – others will have access to your User Forum Content and may use it or share it with third parties. If you choose to voluntarily disclose Personal Information in your User Forum Content or use Community Forums to link to your Profile, that information will be considered public information and the protection of this Privacy Policy will not apply.

To request removal of your personal information from our Community Forum, contact us at [email protected]. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why.

TESTIMONIALS

We may from time to time display personal testimonials of satisfied Invown.com Users on our Service, in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at [email protected].

FEEDBACK

We may collect feedback from Invown.com Users about their experience with our Service. Please note that any feedback you provide via the Service is publicly viewable via the Service. On very rare occasions, we may remove feedback pursuant to the relevant provisions of our Terms of Service, including the Terms of Use.

SOCIAL NETWORKING SERVICES

We may from time to time allow you to register to join the Service directly via the Service or, at our option, by logging into your account with a third party social networking service (“SNS”) via our Service (e.g., Facebook, Twitter, Instagram, LinkedIn, Google and other third party services that let you sign in using your existing credentials with those services). If you choose to register via an SNS or to later link your account with the Service to your account with an SNS, we will use the Personal Information you have provided to the SNS (such as your name, email address, gender and other information you make publicly available via the SNS) to create your account. Note that the information we collect from and through a SNS may depend on the privacy settings you have set with the SNS and the permissions you grant to us in connection with linking your account with the Service to your account with an SNS. Other than what we may share with the SNS as described below, the Personal Information a SNS has about you is obtained by the SNS independent of our Service, and Invown.com is not responsible for it.

The Invown.com Service also may permit additional interactions between it and a third-party website, service, or other content provider, such as enabling you to “like” or share content to a third party SNS. If you choose to “like” or share content, or to otherwise share information from or via our Service with a third party site or service, that information may be publicly displayed, and the third party may have access to information about you and your use of our Service (and we may have access to information about you from that third party). These third parties may collect your IP address, which page you are visiting on our site, may set a cookie to enable the feature to function properly and may even track you when you do not interact with the feature. Your interactions with third parties through an SNS or similar features are governed by the respective privacy policies of those third parties. If you have engaged any third-party service providers, their respective privacy policies will govern their tracking and collection of information. You should review these third-party policies to understand these practices.

You represent that you are entitled to use your SNS account for the purposes described herein without breach by you of any of the terms and conditions that govern the SNS, and without obligating Invown.com to pay any fees or making Invown.com subject to any usage limitations imposed by such SNS. You can disable the link between your Invown.com account and your SNS account at any time though the “Settings” section of our Service. Please note that your relationship with any SNS is governed solely by your agreement(s) with such SNS. If your SNS account terminates, then functions enabled through the link between your Invown.com account and your SNS account will terminate as well.

HOW WE RESPOND TO DO NOT TRACK SIGNALS

Please note that your browser setting may allow you to automatically transmit a “Do Not Track” signal to websites and online services you visit. Like many websites and online services, Invown.com does not alter its practices when it receives a “Do Not Track” signal from a visitor’s browser. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com.

CHILDREN’S PRIVACY

All of our Services, including our Website, are intended for adult audiences, and are not meant to address anyone under the age of 18 (“Children”). As such, Children under 18 may not use our Website. If you are under 18, do not attempt to register for or use any of our Services, including our Website, and do not provide us any Personal Information about yourself.

We do not knowingly collect Personal Information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has violated this Privacy Policy and provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from children without verification of parental consent, we will take steps to remove that information from our servers.

USE AND RETENTION OF INFORMATION

HOW WE USE INFORMATION WE COLLECT

We use the information we collect as follows:

• to enable you to access and use the Site and Service and to provide and improve the Service, complete your transactions, and address your inquiries, process your registration, verify the information you provide is valid, to contact you with administrative communications and for compliance and internal business purposes;
• to operate, protect, improve and optimize the Site and Service, Invown.com’s business, and our users’ experience, such as to perform analytics, conduct research, personalize or otherwise customize your experience, and for advertising and marketing;
• to help create and maintain a trusted and safer environment on the Site and Service, such as fraud detection and prevention, conducting investigations and risk assessments and conducting checks against databases such as public government databases;
• to send you service, support and administrative messages, reminders, technical notices, updates, security alerts, and the information requested by you and to tailor content we display to you and offers we may present to you, both on the Service and elsewhere online;
• to send you com newsletters, marketing or promotional materials and other information that may be of interest to you, including information about Invown.com or general promotions for our campaigns and services. If you decide at any time that you no longer wish to receive such communications from us, please contact us
• to administer referral programs, rewards, surveys, sweepstakes, contests, or other promotional activities or events sponsored or managed by Invown.com, provided that your Personal Information will only be shared for marketing purposes with your explicit consent, such as your election to enter a contest or complete a survey;
• to comply with our legal obligations, resolve any disputes between Invown.com Users or that we may have with any Invown.com User, and enforce our agreements with third parties.
• to administer and develop our business relationship with you and, if applicable, the corporation or other legal entity you represent;
• to enforce and comply with the law, including to conduct an investigation, to protect the property and rights of Invown.com or a third party, to protect the safety of the public or any person, or to prevent or stop activity we may consider to be, or to pose a risk of being, illegal, fraudulent, unethical or legally actionable activity; and
• for the purposes disclosed at the time you provide your information, with your consent, and as further described in this Privacy Policy.

Personal Information collected by Invown.com will be retained as identifiable data for no longer than necessary to serve the purposes for which the Personal Information was collected. You may request that we delete certain information.

INFORMATION SHARING AND DISCLOSURE

We may share aggregated Non-Identifying Information and we may otherwise disclose Non-Identifying Information (including, without limitation, Hashed Information) to third parties. WE DO NOT SHARE YOUR PERSONAL INFORMATION WITH THIRD PARTIES FOR THOSE THIRD PARTIES’ MARKETING PURPOSES UNLESS WE FIRST PROVIDE YOU WITH THE OPPORTUNITY TO OPT-IN TO OR OPT-OUT OF SUCH SHARING. We may also share the information we have collected about you, including Personal Information, as disclosed at the time you provide your information, with your consent, as otherwise described in this Privacy Policy, or in the following circumstances:

• Service Providers: We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services (e.g., without limitation, maintenance services, database management, web analytics and online advertising, payment processing, fraud detection and improvement of Invown.com’s features) or to assist us in analyzing how our Service is used. These third parties may have access to your Personal Information in order to perform these tasks on our behalf, but they may not use it for other purposes.
• What Happens If You Agree to Receive Information from Third Parties or Request That We Share Your Information: You may be presented with an opportunity to receive information and/or marketing offers from one or more third parties. If you agree at that time to have your Personal Information shared, your Personal Information will be disclosed to that third party (or parties) and will be subject to the privacy policy and practices of that third party. We are not responsible for the privacy policies and practices of third parties, and, if you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly. You also may request, sometimes through your use of an SNS or similar interactive feature or third party application, that we share information about you with a third party and we will typically do so under those circumstances.
• Legal and Investigative Purposes: Invown.com will share information with government agencies as required by law. We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We will disclose information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal process (including but not limited to subpoenas), at the request of governmental authorities or other third parties conducting an investigation, to protect the property and rights of Invown.com or a third party, to protect the safety of the public or any person, or to prevent or stop activity we may consider to be, or to pose a risk of being, illegal, fraudulent, unethical or legally actionable activity. We may also use Device Identifiers to identify Invown.com Users and may do so in cooperation with such third parties at our discretion.
• Internal and Business Transfers: Invown.com may share information, including Personal Information, with its subsidiaries and affiliates, primarily for business and operational purposes. We may sell, transfer or otherwise share some or all of our assets, including your Personal Information, in connection with a merger, acquisition, reorganization or sale of assets (including, in each case, as part of the due diligence process with any potential acquiring entity) or in the event of bankruptcy. You will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.
• Sweepstakes, Contests and Promotions: We may offer sweepstakes, contests, and other promotions (any, a “Promotion”) that may require registration. By participating in a Promotion, you are agreeing to the official rules that govern that Promotion, which may contain specific requirements of you, including, except where prohibited by law, allowing the sponsor(s) of the Promotion to use your name, voice, likeness or other indicia of persona in advertising or marketing associated with the Promotion. If you choose to enter a Promotion, your Personal Information may be disclosed to third parties or the public in connection with the administration of such Promotion, including, without limitation, in connection with winner selection, prize fulfillment, and as required by law or permitted by the Promotion’s official rules, such as on a winner’s list.

ANALYTICS PROVIDERS, AD SERVERS AND SIMILAR THIRD PARTIES

Invown.com works with (or may in the future work with) network advertisers, ad agencies, analytics service providers and other vendors to provide us with information regarding traffic on the Service, including pages viewed and the actions taken when visiting the Service; to serve our advertisements on other web sites, within mobile apps and elsewhere online; and to provide us with information regarding the use of the Service and the effectiveness of our advertisements. Our service providers may collect certain information about your visits to and activity on the Service as well as other websites or services, they may set and access their own tracking technologies on your device (including cookies and web beacons), and may use that information to show you targeted advertisements. Some of these parties may collect Personal Information when you visit the Service or other online websites and services. We may also share certain Non-Identifying Information with these parties, including Hashed Information, in connection with the services they provide to us.

While we may use a variety of service providers to perform advertising services, some of these companies are members of the Network Advertising Initiative (“NAI”) or the Digital Advertising Alliance (“DAA”) Self-Regulatory Program for Online Behavioral Advertising. You may want to visit http://www.networkadvertising.org/managing/opt_out.asp, which provides information regarding targeted advertising and the “opt-out” procedures of NAI members. You may also want to visit http://www.aboutads.info/choices/, which provides information regarding targeted advertising and offers an “opt-out” by participating companies in the DAA Self-Regulatory Program. You may also opt-out by contacting us at [email protected]. Please note that opting out through these mechanisms does not opt you out of being served advertising, and you will continue to receive generic ads while online.

YOUR CHOICES AND OPTING OUT

Invown.com Users may update their choices regarding the types of communications you receive from us through your online account. You also may opt-out of receiving marketing emails from us by following the opt-out instructions provided in those emails. Please note that we reserve the right to send you certain communications relating to your account or use of the Service (for example, administrative and service announcements) via email and other means and these transactional account messages may be unaffected if you opt-out from receiving marketing communications. You may opt-out of receiving text messages by replying “STOP” to any text message received. Registered Invown.com Users who access the Service by using an Invown.com mobile application may, with permission, receive push notifications. Similarly, registered Invown.com Users who access the Service by using certain desktop browsers may, with permission, receive push notifications. Notification preferences can be modified in the settings menu for the mobile application or the applicable browser.

CHANGING YOUR INFORMATION OR CLOSING YOUR ACCOUNT

Upon request Invown.com will provide you with information about whether we hold any of your Personal Information. You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information. You may access, correct, or request deletion of your personal information by making updates to that information or by contacting Invown.com through your online account. If you request to access all Personal Information you’ve submitted, we will respond to your request to access within 30 days. If you completely delete all such information, then your account may become deactivated. If your account is deactivated or you ask to close your account, you will no longer be able to use the Service. If you would like us to delete your account in our system, you can do so by contacting us at [email protected]. We will use commercially reasonable efforts to honor your request; however, certain information will actively persist on the Service even if you close your account, including messages you posted to the Service. In addition, your Personal Information may remain in our archives and information you update or delete, or information within a closed account may persist internally or for our administrative purposes. It is not always possible to completely remove or delete information from our databases. In addition, we typically will not remove information you posted publicly through or on the Service. Bear in mind that neither you nor Invown.com can delete all copies of information that has been previously shared with others on the Service.

SECURITY

Invown.com takes commercially reasonable steps to help protect and secure the information it collects and stores about Invown.com Users. All access to the Site is encrypted using industry-standard transport layer security technology (TLS). When you enter sensitive information (such as tax identification number) we encrypt the transmission of that information using secure socket layer technology (SSL). We also use HTTP strict transport security to add an additional layer of protection for our Invown.com Users. But remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Thus, while we strive to protect your personal data, Invown.com cannot ensure and does not warrant the security of any information you transmit to us.

INTERNATIONAL TRANSFER OF PERSONAL INFORMATION

Invown.com is a United States company and the Site and Service is intended only for United States residents. If you are located outside the United States and choose to provide information to us, Invown.com transfers Personal Information to the United States for processing. The U.S. may not have the same data protection laws as the country in which you initially provided the information. When we transfer your information to the U.S., we will protect it as described in this Privacy Policy. By visiting the Service, or providing Invown.com with any information, you represent to us that you are a resident of the United States, that only United States laws apply to your use of the Site and Service and that you fully understand and unambiguously consent to the processing and storage of your information in the United States.

LINKS TO OTHER SITES

Our Service may contain links to other websites. If you choose to click on a third-party link, you will be directed to that third party’s website. The fact that we link to a website is not an endorsement, authorization or representation of our affiliation with that third party, nor is it an endorsement of their privacy or information security policies or practices. We do not exercise control over third-party websites. These other websites may place their own cookies or other files on your computer, collect data or solicit Personal Information from you. We encourage you to read the privacy policies or statements of the other websites you visit.

YOUR PROFILE

The profile you create on our site will not be publicly accessible unless otherwise indicated in the Terms of Service. Your profile and Personal Information may be shared with certain trusted third parties to perform functions and provide services to us, including, without limitation, hosting and maintenance, billing, customer relationship, database storage and management, and direct marketing campaigns, but only to the extent necessary to perform these functions and provide such services, and only pursuant to binding contractual obligations requiring such third parties to maintain the privacy and security of your data. You may change the privacy settings of your profile through your account dashboard.

PHISHING

Phishing websites imitate legitimate websites in order to obtain personal or financial information. Identity theft and the practice currently known as “phishing” are of great concern to Invown.com. For more information about phishing, visit the website of the Federal Trade Commission at http://www.consumer.ftc.gov/articles/0003-phishing. In addition, if you believe you have received an email or had a similar interaction with a third party pretending to be Invown.com, please report it at [email protected].

COOKIE POLICY

Invown.com uses “cookies” in conjunction with the Site and Service to obtain information. A cookie is a small data file that is transferred to your device (e.g., your phone or your computer) for record-keeping purposes. For example, a cookie could allow the Service to recognize your browser, while another could store your preferences and other information. Your browser may allow you to set how it handles cookies, such as declining all cookies or prompting you to decide whether to accept each cookie. But please note that some parts of the Service may not work as intended or may not work at all without cookies.

TYPES OF COOKIES

There are two types of cookies used on the Site, namely “persistent cookies” and “session cookies”. Session cookies will normally expire when you close your browser, while persistent cookies will remain on your device after you close your browser and can be used again the next time you access the Site.

Invown.com COOKIES

Invown.com may place our cookies on your device via the Site. Accordingly, our Privacy Policy will apply to our treatment of the information we obtain via our cookies. The Site may also use other technologies with similar functionality to cookies, such as web beacons and tracking URLs to obtain Log Data about users. We may also use web beacons and tracking URLs in our messages to you to determine whether you have opened a certain message or accessed a certain link.

THIRD-PARTY COOKIES

We may also allow service providers to place cookies on your device. For example, we might interact with and allow you to sign in via Facebook, in which event Facebook might also set cookies on your device. As further explained below, third parties may also place cookies on your device for advertising purposes.

HOW WE USE INVOWN.COM COOKIES

Invown.com uses cookies for a number of purposes, such as the following:

• to enable, facilitate and streamline the functioning of the Site across different web pages and browser sessions;
• to simplify your access to and use of the Site and make it more seamless;
• to monitor and analyze the performance, operation and effectiveness of the Site, so that we can improve and optimize it; and
• to show you content (which may include advertisements) that is more relevant to you.

THIRD-PARTY COOKIES USES AND SETTINGS

• Third-Party cookies are intended to obtain information to help them provide services to Invown.com. For example, third party companies and individuals we engage to provide services to us may track your behavior on our Site to market and advertise Invown.com services to you.
• Third parties that use cookies and other tracking technologies to deliver targeted advertisements on our Site and/or third party websites may offer you a way to prevent such targeted advertisements by opting-out at the websites of industry groups such as the Network Advertising Initiative (http://www.networkadvertising.org/choices/) and/or the Digital Advertising Alliance (http://www.aboutads.info/choices/). You may also be able to control advertising cookies provided by publishers, for example Google’s Ad Preference Manager (https://www.google.com/settings/ads/onweb/).
• Please note that even if you choose to opt-out of receiving targeted advertising, you may still receive advertising on the Site – it just will not be tailored to your interests. In addition, Facebook places a cookie via the Site that allows Facebook to obtain aggregated, non-Personal Information to optimize their services. For example, if a user clicks on an advertisement for the Invown.com mobile app on Facebook and subsequently installs the app, this cookie will inform Facebook that a user (who is not personally identified) has installed the app after clicking on the advertisement. This cookie may also inform Facebook that a user is using the app, without identifying the specific actions taken by the user in the app.

DISABLING COOKIES

Most browsers automatically accept cookies, but you can modify your browser setting to decline cookies by visiting the Help portion of your browser’s toolbar. If you choose to decline cookies, please note that you may not be able to sign in, customize, or use some of the interactive features of the Site. Flash cookies operate differently than browser cookies, and cookie management tools available in a web browser will not remove flash cookies. To learn more about how to manage flash cookies, you can visit the Adobe website (http://www.adobe.com/) and make changes at the Global Privacy Settings Panel: (http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager02.html).

CHANGES TO THIS COOKIE POLICY

We can change this Cookie Policy at any time. If we make material changes to the Cookie Policy, we will let you know either by posting the changed Cookie Policy on the Site or by sending you an email. It’s important that you review the changed Cookie Policy. If you do not wish to agree to the changed Cookie Policy, then we cannot continue to provide the Site to you, and your only option is to stop accessing the Site and deactivate your Invown.com account.

CHANGES TO THIS PRIVACY POLICY

Invown.com may update this Privacy Policy at any time and any changes will be effective upon posting. In the event that there are material changes to the way we treat your Personal Information, we will display a notice on the Site prior to the change becoming effective. We may also notify you by email, in our discretion. However, we will use your Personal Information in a manner consistent with the Privacy Policy in effect at the time you submitted the information, unless you consent to the new or revised policy.

CONTACTING US

If you have any questions about this Privacy Policy, please contact us through our

Website: https://Invown.com

or by Email: [email protected]

or by mail addressed to:

Invown Corp.

15 Stimson Road

New Haven CT 06511

______________________________________________

CALIFORNIA RESIDENTS ADDENDUM

YOUR CALIFORNIA PRIVACY RIGHTS

The California Consumer Privacy Act of 2018 (“CCPA”) provides certain rights to residents of California. This section of the Privacy Policy applies if you are a natural person who is a resident of California (“California Consumer”) and use our Services. This Addendum supplements the information in the Privacy Policy. However, this Addendum is intended solely for, and is applicable only as to, California Consumers.

IF YOU ARE NOT A CALIFORNIA CONSUMER (OR A RESIDENT OF CALIFORNIA), THIS DOES NOT APPLY TO YOU AND YOU SHOULD NOT RELY ON IT.

IF YOU ARE A CALIFORNIA CONSUMER (OR A RESIDENT OF CALIFORNIA), YOUR CALIFORNIA PRIVACY RIGHTS SUPPLEMENT THE PRIVACY POLICIES OF Invown.com. YOUR CALIFORNIA PRIVACY RIGHTS SHALL GOVERN YOUR RELATIONSHIP WITH Invown.com TO THE EXTENT THEY EXPAND OR ARE IN CONFLICT WITH OUR STANDARD PRIVACY POLICIES STATED ABOVE. OUR STANDARD PRIVACY POLICIES SHALL OTHERWISE GOVERN SUCH RELATIONSHIP.

California residents are afforded certain rights related to their information under state law. Invown.com aims to take reasonable steps to allow California residents to correct, amend, delete or limit the use of your Personal Information and exercise other rights available under applicable law. Invown.com informs you that, where applicable under the relevant law, individuals may be entitled to the following:

YOUR RIGHTS AS AN INDIVIDUAL CALIFORNIA RESIDENT

• Right to Access / Disclosure: to have access to your Personal Information upon simple request – that is, you may receive a copy of such data upon receipt of a verifiable request, along with other information related to the collection or processing (see the “How to Contact Us for CCPA Requests “ section below for more information).
• Disclosure of Direct Marketers: to have access upon simple request, and free of charge, the categories and names of addresses of third parties that have received Personal Information for direct marketing purposes (see the “Direct Marketers Disclosure” section below for more information).
• Collecting, Selling, Sharing, or Disclosing Personal Information: upon receipt of a verifiable request, to obtain a list of:
  • The specific pieces of your Personal Information Invown.com holds;
  • The categories of Personal Information collected about you, sold to third parties, or disclosed to third parties for business purposes;
  • The categories of Personal Information sold within the last 12 months;
  • The categories of sources from which Personal Information is collected;
  • The business or commercial purpose for collecting or selling Personal Information; and
  • The categories of third parties with whom Personal Information is shared, sold, or disclosed for a business purpose.
• Right to Opt-Out of the Sale of Personal Information: California residents have the right under CCPA to opt-out of the sale of their Personal Information under certain circumstances. When we act as a “business” under the CCPA, in the event we at any time sell your Personal Information, you may “opt out” of our “sale” of your personal information (as those terms are defined by the CCPA) by following the directions set forth in the “How to Contact Us for CCPA Requests” section below or:
  • At the NAI (Network Advertising Initiative) page that addresses how consumers may opt out of cross-app advertising through their device settings.
  • By using Invown.com’s “Do Not Sell My Info” link on the Home Page of this Site (only applies if we sell your Personal Information).
  • By submitting a manual request to opt-out to [email protected] with the subject line “CCPA Opt-out”.

• Right to Deletion / “Right to be Forgotten”: to obtain the deletion of your Personal Information in the situations set forth by applicable data protection law and upon receipt of a verifiable request. This is different from your right to “opt out” of us selling your personal information. We need certain types of information so that we can provide our Services to you. If you ask us to delete it, you may no longer be able to access or use our Services. In addition, we may retain personal information for certain important purposes, such as:
  • To protect our business, systems, and users from fraudulent activity,
  • To address technical issues that impair existing functionality (such as de-bugging purposes),
  • To comply with law enforcement requests pursuant to lawful process,
  • For scientific or historical research for our own internal purposes reasonably related to your relationship with us, or
  • to comply with legal obligations.
• Right to Data Portability: to have your Personal Information directly transferred by us to a third-party processor of your choice (where technically feasible; may be limited to situations when processing is based on your consent).
• Right to Non-Discrimination: As defined under relevant law, you have a right to non-discrimination in the Services or quality of Services you receive from us for exercising your rights.

Please contact us at the information in “How to Contact Us for CCPA Requests” below in relation to exercising these rights. Note that we may ask you to verify your identity before responding to such requests.

DIRECT MARKETERS DISCLOSURES

If you are a California resident, you have the right to request information from us regarding the manner in which we share certain categories of Personal Information with third parties for their direct marketing purposes in addition to the rights set forth above. Under California law, you have the right to send us a request at the designated address listed below to receive the following information:

1. the categories of information we disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year;
2. the names and addresses of the third parties that received the information; and
3. if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed.

To make such a request, please provide sufficient information for us to determine if this applies to you, and attest to the fact that you are a California resident. Please also provide a current California address for our response. You may make this request in writing to us at the below address. Any such request must include “California Privacy Rights Request” in the first line of the description, and include your name, street address, city, state and ZIP code. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through the address provided for this purpose below. Note that responsive information may be provided in a standardized format that is not specific to you.

CATEGORIES OF PERSONAL INFORMATION WE COLLECT, USE, AND SHARE

Invown.com has or could in the future collect the following categories of your Personal Information, and we use and share such Information as described below. Invown.com HAS NOT AND DOES NOT SELL YOUR PERSONAL INFORMATION FOR MONETARY OR OTHER VALUABLE CONSIDERATION.

Identifiers (such as online identifiers, IP address, mobile ad identifiers, other online or advertising platform identifiers)

• We currently collect/use this category of Personal Information
• The sources we collect this category from:
  • Data analytics providers and data compilers
  • Online histories
  • Tracking pixels, cookies, web beacons and related technology
  • Third party mobile applications and websites
  • com owned and operated mobile applications and websites
• We have NOT during the last 12 months sold and currently DO NOT sell this category of Personal Information.
• This category may have been and may in the future be shared with the following categories of third parties for business purposes:
  • Affiliates
  • Social media websites
  • Service providers
  • Data compilers
  • Data analytics providers
  • Financial institutions and payment processors
  • Government entities and information services
  • App publishers

• Identifiers (for our own marketing and customer contact purposes, such as: name, username, passwords, date of birth, images, addresses, e-mail address, phone number, payment methods, Hashed Information)
  • We currently collect/use this category of Personal Information
  • The sources we collect this category from:
    • Information you provide
    • com owned and operated mobile applications and websites
    • Social media websites
    • Service Providers
  • We have NOT during the last 12 months sold and currently DO NOT sell this category of Personal Information
  • This category may have been and may in the future be shared with the following categories of third parties for business purposes:
    • Affiliates
    • Social media websites
    • Service providers
    • Data compilers
    • Data analytics providers
    • Financial institutions and payment processors
    • Government entities and information services

• Other Information You Provide
  • We currently collect/use this category of Personal Information
  • The sources we collect this category from:
    • Information you provide
    • Community Forums you participate in
    • Your testimonials
    • Your feedback
    • Social networking services you use to access our Service
  • We have NOT during the last 12 months sold and currently DO NOT sell this category of Personal Information
  • This category may have been and may in the future be shared with the following categories of third parties for business purposes:
    • Affiliates
    • Social media websites
    • Service providers
    • Data compilers
    • Data analytics providers
    • Government entities and information services

• Internet or Other Electronic Network Activity Information (such as browsing history, search history, information on a consumer’s interaction with a website or application)
  • We currently collect/use this category of Personal Information
  • The sources we collect this category from:
    • Third party mobile applications and websites
    • com owned and operated mobile applications and websites
    • Data compilers
    • Online histories
    • Tracking pixels, cookies, web beacons and related technology
  • We have NOT during the last 12 months sold and currently DO NOT sell this category of Personal Information
  • This category may have been and may in the future be shared with the following categories of third parties for business purposes:
    • Affiliates
    • Social media websites
    • Service providers
    • Data compilers
    • Data analytics providers
    • Government entities and information services

• Geolocation Data (used to identify an electronic device’s physical location)
  • We currently collect/use this category of Personal Information
  • The sources we collect this category from:
    • Third party mobile applications and websites
    • com owned and operated mobile applications and websites
    • Data compilers
    • Online histories
    • Tracking pixels, cookies, web beacons and related technology
    • US Postal Service
  • We have NOT during the last 12 months sold and currently DO NOT sell this category of Personal Information
  • This category may have been and may in the future be shared with the following categories of third parties for business purposes:
    • Affiliates
    • Social media websites
    • Service providers
    • Data compilers
    • Data analytics providers
    • Government entities and information services

• Inferenced Data (inferences drawn from the collected data)
  • We currently collect/use this category of Personal Information
  • The sources we collect this category from:
    • Information you provide
    • Affiliates
    • Social media websites
    • Service providers
    • Data analytics providers
    • Third party mobile applications and websites
    • com owned and operated mobile applications and websites
    • Data compilers
    • Online histories
    • Tracking pixels, cookies, web beacons and related technology
    • US Postal Service
  • We have NOT during the last 12 months sold and currently DO NOT sell this category of Personal Information
  • This Category may have been and may in the future be shared with the following Categories of Third Parties for Business Purposes:
    • Affiliates
    • Social media websites
    • Service providers
    • Data compilers
    • Data analytics providers
    • Government entities and information services
  • Specific 3rd Party Service Providers: com uses or intends to use the following third-party Service Providers to provide the services described below. From time to time, we may change or use additional service providers.

3RD PARTY	USE
Google Analytics	Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. We use Google Analytics for aggregated, anonymized website traffic analysis. In order to track your session usage, Google drops a cookie (_ga) with a randomly-generated ClientID in your browser. This ID is anonymized and contains no identifiable information like email, phone number, name, etc. We also send Google your IP Address. We use Google Analytics to track aggregated website behavior, such as what pages you looked at, for how long, and so on. This information is important to us for improving the user experience and determining site effectiveness.
Segment.io	Segment.io is a platform used to collect and manage analytics data.
Adroll	Adroll brings together data, channels and measurement all in one place. It is used to ensure our campaigns reach the right people and to improve placement online.
Braintree/Paypal	Braintree/Paypal is an online payment processor we use to accept certain payments.
Prime Trust	Prime Trust is an escrow agent registered with the SEC and FINRA/SIPC which we use as an escrow holder and payment processor for certain payments.

• Sharing for Legal Purposes: We may share personal information with third parties in order to: (a) comply with an official legal process or a regulatory investigation (e.g. a subpoena or court order); (b) enforce our Terms of Service, this Privacy Policy, or other contracts with you, including investigation of potential violations thereof; (c) respond to claims that any content violates the rights of third parties; and/or (d) protect the rights, property or personal safety of us, our platform, our customers, our agents and affiliates, its users and/or the public. In addition, we may provide information to other companies and organizations (including law enforcement) for fraud protection, spam/malware prevention, and similar purposes.

• Sharing In Event of a Corporate Transaction: We may also share personal information in the event of a major corporate transaction, including for example a merger, investment, acquisition, reorganization, consolidation, bankruptcy, liquidation, or sale of some or all of our assets, or for purposes of due diligence connected with any such transaction.

• Sharing With Service Providers: We share any personal information we collect with our service providers, which may include (for instance) providers involved in tech or customer support, operations, web or data hosting, billing, accounting, security, marketing, data management, validation, enhancement or hygiene, or otherwise assisting us to provide, develop, maintain and improve our Services.

• Sharing of Aggregate Information: We may aggregate and/or de-identify any information collected so that such information can no longer be linked to you or your device (“Aggregate/De-Identified Information”). We may use Aggregate/De-Identified Information for any purpose, including without limitation for research and marketing purposes, and may also share such data with any third parties, including advertisers, promotional partners, and sponsors, in our discretion.

OUR BUSINESS PURPOSES FOR COLLECTING AND SHARING PERSONAL INFORMATION

• Operating Our Services:
  • Enabling you to sign in
  • Processing your registration
  • Verifying the information you provide is valid
  • Storing and honoring your preferences and settings
  • Improving, testing, updating, and verifying our own data and data services
  • Operating, analyzing, improving, and securing our services
  • To protect the property and rights of Invown.com or a third party
  • To protect the safety of the public or any person
  • To prevent or stop activity we may consider to be, or to pose a risk of being, illegal, fraudulent, unethical or legally actionable activity
  • To perform analytics, conduct research, personalize or otherwise customize your experience
  • To send you service, support and administrative messages, reminders, technical notices, updates, security alerts, and information requested by you
  • To tailor content we display to you and offers we may present to you
  • To administer referral programs, rewards, surveys, sweepstakes, contests, or other promotional activities or events
  • To comply with our legal obligations, resolve any disputes between Invown.com Users or that we may have with any Invown.com User, and enforce our agreements with third parties
  • Sharing data when required to provide the service or carry out the transactions you request
• Advertising:
  • To advertise and market to you, which includes sending promotional communications, targeting advertising, and presenting you with relevant offers
  • To measure and analyze our advertising and marketing
  • To personalize our products and make recommendations
• Marketing and Other Research:
  • To improve our products and services and develop new products and services
  • Analyzing how our services perform
• Other Internal Purposes:
  • For internal research, internal operations, auditing, detecting security incidents, debugging, short-term and transient use, quality control, and legal compliance.

YOUR PREFERENCES

You can change your information and preferences at any time by editing your profile. You may opt out of receiving promotional marketing communications from Invown.com at https://Invown.com, by by emailing us at [email protected], or by mailing a letter to the address shown below:

Invown Corp.

15 Stimson Road

New Haven CT 06511

SUBMITTING A VERIFIABLE REQUEST

As mentioned above, California residents have certain rights to access, delete, or otherwise control the use, collection, and/or disclosure of their information. Invown.com will respond to an individual’s “verifiable request” to exercise his or her rights under such laws – that is, where Invown.com has received a request purporting to be from a particular individual, and Invown.com has been able to verify the individual’s identity. The need to verify an individual’s identity is critical to protecting your information and ensuring that your information is not shared with anyone pretending to be you or someone who is not authorized to act as your agent on your behalf.

You may submit a verifiable request via either method listed in the “How to Contact Us for CCPA Requests” section below, or as otherwise provided on our Website. Invown.com will ask you to provide information about yourself so that we can verify your identity as part of this process. This information may include your name, your address, your account information, and any other information deemed necessary by Invown.com to reasonably verify your identity so we can ensure that your information is not shared with anyone impersonating you.

We may ask for additional information if we have difficulty confirming your identity. We will not share your information or honor other requests in those situations in which we are unable to confirm a request for your information is a “verifiable request.”

Under California law a consumer can appoint an “authorized agent” to make certain verifiable requests upon their behalf, such as the right to know what information we collect about the consumer or to request deletion of the consumer’s information. Because the security and privacy of your information is paramount, we will ask that you identify and provide permission in writing for such person to act as your authorized agent and exercise your applicable rights under California law in such situations. This may require us to contact you directly and alert you that an individual has claimed to be your agent and is attempting to access or delete your information. We will also independently verify your identity to ensure that an unauthorized person is not attempting to impersonate you and exercise your rights without authorization. We will not share your information or honor any other requests in those situations where you cannot or do not grant permission in writing for an identified authorized agent to act on your behalf or where we cannot independently verify your identity.

HOW TO CONTACT US FOR CCPA REQUESTS

If you have questions about this Privacy Policy, the practices of this Site, your dealings with this Site or our Services, including but not limited to an information, deletion request or opt-out request, please contact Invown.com:

• By Website: http://34.71.144.57
• By Email: [email protected]
• By telephone: 415-779-6883

Your request should include your name, your address, your account information, the nature of your request and any other information we need to reasonably verify your identity.

LINKS TO OTHER SITES

Invown.com’s Website may include links to other websites that are not operated by us. Please note that this Privacy Policy does not apply to those third-party websites that may be linked to our Website. This Privacy Policy does not govern the practices of third parties, including our partners, third party service providers, and/or advertisers, even when those services are branded as or provided on behalf of Invown.com. Invown.com is not responsible for and does not control the security or privacy when you visit those sites. We encourage you to visit the privacy notices governing those sites.

CHILDREN’S PRIVACY

All of our Services, including our Website, are intended for adult audiences, and are not meant to address anyone under the age of 18 (“Children”). As such, Children under 18 may not use our Website. If you are under 18, do not attempt to register for or use any of our Services, including our Website, and do not provide us any Personal Information about yourself.

We do not knowingly collect Personal Information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has violated this Privacy Policy and provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from children without verification of parental consent, we will take steps to remove that information from our servers.

“DO NOT TRACK” SIGNALS UNDER CALIFORNIA ONLINE PROTECTION ACT

We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser. We may track consumers’ online activities over time and across third-party websites or online services. As we mentioned elsewhere, you can modify your browser’s settings to change its acceptance of tracking technologies.

Third parties may collect data that relates to you. We cannot control third parties’ responses to do-not-track signals or other such mechanisms. Third parties’ use of data relating to you and responsiveness to do-not-track signals is governed by their respective privacy policies.

UPDATES TO THIS PRIVACY POLICY

From time to time, Invown.com may modify this Privacy Policy. Invown.com will notify you of any material changes to its Privacy Policy by posting those changes on this page and updating the Privacy Policy modification date above. We encourage you periodically to check back to this page for any updates.

DIFFICULTY ACCESSING OUR PRIVACY POLICY?

Individuals with disabilities who are unable to usefully access our Privacy Policy online may contact us at the above-listed contact information to inquire how they can obtain a copy of our Privacy Policy in another, more easily readable format.

Issuer User Agreement

GENERAL CONDITIONS

By electronically signing this Issuer User Agreement (the “Agreement”), you acknowledge and agree that you have read in their entirely our Terms of Service and Privacy Policy and agree to be bound by each and every provision of such documents. In addition, you acknowledge and agree that you have read in its entirety this Agreement and agree to be bound by each of its provisions. Terms not defined in this Agreement have the meaning set forth in the Terms of Service or Privacy Policy, as applicable. In the event of a conflict between the Terms of Service and this Agreement, this Agreement shall control.

Unless otherwise stated, all securities-related activity is conducted by Invown Corp., a funding portal registered with the US Securities and Exchange Commission (SEC) and a member of the Financial Industry Regulatory Authority (FINRA). Invown Corp. is not a registered broker-dealer and all activity involving escrow/holding funds is performed by Prime Trust LLC, an escrow agent registered with the SEC and FINRA/SIPC.

Invown Corp. is a funding portal registered with FINRA. Invown receives compensation for providing its Site for Issuers to conduct their offering on the Site, which includes the offering and sale of securities. Invown Corp. is not a registered broker-dealer. Invown DOES NOT PROVIDE INVESTMENT ADVICE OR MAKE FINANCIAL/INVESTMENT RECOMMENDATIONS OF ANY KIND.

Although Invown may from time to time monitor or review discussions, postings, transmissions, and the like on the Site, Invown is under no obligation to do so and assumes no responsibility or liability arising from such content nor for any error, defamation, libel, slander, omission, falsehood, obscenity, profanity, danger or inaccuracy contained in any information within such locations on the Site. Invown reserves the right to remove any content from the Site or to restrict access to the Site for any reason without notice.

Invown reserves the right, without prior notice and at our sole discretion, to adjust/revise or replace the Terms of Service, modify the Site, discontinue the Site, applications or services, or add usage limits for the Site, or change, improve or correct the information, materials and descriptions on the Site at any time for any reason. We may terminate or suspend your access to the Site, temporarily or permanently, without notice or liability, for any reason or for no reason. We reserve the right to terminate or suspend access to the Site if in our sole determination you violate any provision of the Terms of Service.

ISSUER ACKNOWLEDGEMENTS AND ADDITIONAL AGREEMENTS

• You are exclusively responsible for reviewing the Terms of Service regularly for updates/changes.
• Your continued use of the Site and/or the Service following any updates/changes to the Terms of Service constitutes your acceptance of those updates/changes.
• Upon termination of the Terms of Service or your access to the Site, regardless of the reason, you will continue to be bound by the Terms of Service. The Terms of Service will survive termination, including without limitation ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
• You acknowledge that the information and materials on the Site may contain typographical errors or inaccuracies and that we are not liable for any such inaccuracies.
• Any dated information is published as of its date only, and we do not have an obligation to update or amend any such information.
• You acknowledge and agree that you understand that you are solely responsible for all information you post on the Site or Service, including but not limited to any and all crowdfunding opportunities, investment strategies, or offering strategies, and that we will not provide any investment advice, financial advice, tax advice, or legal advice whatsoever in connection with any information you post.
• You accept sole responsibility for your promotion of any and all securities on the Site and will indemnify and hold harmless Invown Corp. and our Affiliates from and against any and all claims, liabilities and causes of action whatsoever resulting from an assertion by any person that any information provided by you is or was false or misleading or omitted material information of any kind or nature.
• You agree to consult a licensed legal professional/attorney and a financial advisor to provide tax, legal, insurance, and other advice as you deem advisable related to your Campaign(s) and acknowledge and agree that the Site does not provide any advice or recommendation on tax, legal, insurance, or investment matters.
• You warrant and represent that any information they post on the Site is complete, accurate and in no way misleading.
• You acknowledge and agree that you are responsible for the completeness and accuracy of your posts.
• You understand, acknowledge and agree that the Investors and the Site are relying on the accuracy and completeness of your Campaigns and your information and statements posted on the Site. Any intentional or unintentional false statement is cause for removal from the Site and/or other legal action.
• You agree to pay all Fees promptly as and when due.

ISSUER REQUIREMENTS

Unless a crowdfunding offering qualifies for an exemption, all securities offered and/or sold in the United States are required to be registered with the United States Securities and Exchange Commission (“SEC”). Invown.com currently only allows Issuer Campaigns to create offerings under Regulation Crowdfunding. By commencing a Campaign, you represent, certify and warrant to us and each Investor that your offering will fully comply with all applicable United States securities laws and SEC regulations associated with your Campaign.

Regulation Crowdfunding:

Regulation Crowdfunding enables eligible companies to offer and sell securities through crowdfunding. The rules:

• require all transactions under Regulation Crowdfunding to take place online through an SEC-registered intermediary, either a broker-dealer or a funding portal,
• permit a company to raise a maximum aggregate amount of $5,000,000 through crowdfunding offerings in a 12-month period,
• limit the amount individual investors can invest across all crowdfunding offerings in a 12-month period,
• require disclosure of information in filings with the SEC and to investors and the intermediary facilitating the offering, and
• securities purchased in a crowdfunding transaction generally cannot be resold for one year.

Any and all Issuers issuing securities in reliance on Regulation Crowdfunding are subject to the following SEC regulations and Invown policies and guidelines:

• Issuers are permitted to raise a maximum aggregate amount of $5,000,000 in a 12-month period.
  • In determining the amount that may be sold in a particular offering, an Issuer must count:
    • The amount it has already sold (including amounts sold by entities controlled by, or under common control with, the Issuer, as well as any amounts sold by any predecessor of the Issuer) in reliance on Regulation Crowdfunding during the 12-month period preceding the expected date of sale, plus
    • The amount the Issuer intends to raise in reliance on Regulation Crowdfunding in this offering.
  • Certain Issuers are not eligible to use the Regulation Crowdfunding exemption. Each Issuer’s eligibility will be considered during its Invown application. Companies not eligible to use the Regulation Crowdfunding exemption include:
    • Non-U.S companies;
    • Companies that already are Exchange Act reporting companies;
    • Certain investment companies;
    • Companies that are disqualified under Regulation Crowdfunding’s disqualification rules;
    • companies that have failed to comply with the annual reporting requirements under Regulation Crowdfunding during the two years immediately preceding the filing of the offering statement; and
    • companies that have no specific business plan or have indicated their business plan is to engage in a merger or acquisition with an unidentified company or companies.
  • Rule 503 of Regulation Crowdfunding includes “bad actor” disqualification provisions that disqualify offerings if the Issuer or other “covered persons” have experienced a disqualifying event, such as being convicted of, or subject to court or administrative sanctions for, securities fraud or other violations of specified laws. Any and all Bad Actors, as defined by the SEC in Regulation Crowdfunding, will not be allowed to list their company on the Site.
  • Any Issuer conducting a Regulation Crowdfunding offering must electronically file its offering statement on Form C through the SEC’s Electronic Data Gathering, Analysis and Retrieval (EDGAR) system and with the intermediary facilitating the crowdfunding offering. Invown requires proof that Form C has been electronically filed and displayed on EDGAR prior to officially posting an offering on the Site.
    • Financial statement requirements are based on the amount offered and sold in reliance on Regulation Crowdfunding within the preceding 12-month period:
      • For Issuers offering $107,000 or less: Financial statements of the Issuer and certain information from the Issuer’s federal income tax returns, both certified by the principal executive officer. If, however, financial statements of the Issuer are available that have either been reviewed or audited by a public accountant that is independent of the Issuer, the Issuer must provide those financial statements instead and will not need to include the information reported on the federal income tax returns or the certification of the principal executive officer.
      • Issuers offering more than $107,000 but not more than $535,000: Financial statements reviewed by a public accountant that is independent of the Issuer. If, however, financial statements of the Issuer are available that have been audited by a public accountant that is independent of the Issuer, the Issuer must provide those financial statements instead and will not need to include the reviewed financial statements.
      • Issuers offering more than $535,000:
        • For first-time Regulation Crowdfunding Issuers: Financial statements reviewed by a public accountant that is independent of the Issuer, unless financial statements of the Issuer are available that have been audited by an independent auditor.
        • For Issuers that have previously sold securities in reliance on Regulation Crowdfunding: Financial statements audited by a public accountant that is independent of the Issuer.
      • An Issuer that sold securities in a Regulation Crowdfunding offering is required to provide an annual report on Form C-AR no later than 120 days after the end of its fiscal year. The report must be filed on EDGAR and posted on the Issuer’s Site.

The SEC regulations and Invown policies/guidelines cited above do not encompass the regulation set forth in Title III of the JOBS Act Section 4(a)(6) in its entirety. You acknowledge and agree to fully comply with all applicable securities laws, including but not limited to guidelines and regulations set forth by the SEC in Title III of the JOBS Act Section 4(a)(6), Regulation Crowdfunding.

No Disqualifying Events:

By commencing a Campaign and creating an offering, you represent and warrant that none of the following individuals or entities associated with the Issuer are subject to any of the “Bad Actor” disqualifying events (“Disqualifying Event”) outlined in Regulation CF under the Securities Act:

• Predecessors and any affiliated Issuers
• Any directors, executive officers or officers, or managing members of the Issuer
• Any investment managers and their principals
• Any beneficial owner of 20% or more of the Issuer’s outstanding voting equity securities, calculated on the basis of voting power
• Any promoter (as defined in Rule 405 of the Securities Act) connected with the Issuer in any capacity at the time of sale or any compensated solicitor or any director, executive officer, other officer of the compensated solicitor participating in the Offering (each, an “Issuer Covered Person” and collectively, “Issuer Covered Persons”).

You warrant and represent that you have made a good faith reasonable effort to determine whether any Issuer Covered Person is subject to a Disqualifying Event and that you have discovered no such Disqualifying Event. You acknowledge that you and Issuer are responsible for promptly notifying Invown and subscribed investors in writing should any Disqualifying Event occur or if any preceding Disqualifying Events come to your or the Issuer’s attention.

FEES

Fees payable by you as an Issuer are:

• 5% of investment amount upon round completion.
• Upon the termination or abandonment of a Campaign for which the Minimum Agreed Funding was not achieved, an amount equal to the sum of the actual fees charged by the Escrow Holder and Payment Method fees incurred by the Escrow Holder (together, “Escrow Fees”) are payable to the Escrow Holder.

All payment terms are as set forth in the Terms of Service, Article 5 (Sections 5.1 through 5.6), which terms are incorporated herein and by reference made a part hereof.

ESCROWS

A third-party escrow agent (“Escrow Holder”) will hold all funds raised for each Campaign until the disbursement of funds by the Issuer or termination of the Campaign and offering. By using third-party escrow services, the Site is bound by its Terms of Use and Privacy Policy. The Escrow Holder is Prime Trust LLC (www.primetrust.com), an escrow agent registered with the SEC and FINRA/SIPC, or such other registered escrow agent as is from time to time designated by us. By registering your Account, you agree to be bound by the services agreement of each such Escrow Holder, as modified from time to time, and you authorize the Escrow Holder to make payments and disbursements as described in the “Fees” section above.

CUSTOMER IDENTIFICATION PROGRAM

Invown is required under federal law to collect certain information to identify individuals participating in the sale and purchase of securities facilitated by the Site. This information is used for anti-money laundering (“AML”) activities as well as other activities as directed by various agencies of the United States government. You acknowledge and agree that by providing the following information, you are giving Invown and each agency of the United States government the ability to use the information for AML activities and/or other activities the Site or such agency sees fit:

• Full Birth Name
• Any aliases and/or name changes
• Date of Birth
• Home Address
• Identification Number
• Other identifying and personal information from time to time required by any U.S. government agency.

Any corporations, partnerships, trusts or other legal entities acting as an investor on the Site may be required to provide other information. This can include its principal place of business, local office, employer identification number, certified articles of incorporation/organization, government-issued business license, a partnership agreement, or a trust agreement, and a list of all persons and entities owning, directly or indirectly, twenty (20) percent or more of such entity.

You warrant and represent that all information provided to Invown is complete, accurate, and not in any manner misleading. Invown is entitled to rely upon your representations that all information you provide to us is complete, accurate, and truthful. Invown is not obligated to independently verify the information provided by its Users. Invown RESERVES THE RIGHT TO SUSPEND OR PERMANENTLY TERMINATE YOUR ACCOUNT IF WE DISCOVER THAT INFORMATION PROVIDED TO THE SITE IS INACCURATE OR MISLEADING REGARDLESS OF WHETHER SUCH INACCURACY WAS INTENTIONAL OR UNINTENTIONAL.

INVESTOR COMMENTS POLICY

Invown allows each Issuer to create a virtual business pitch summarizing its business, projections, financial needs, uses of investor funds, offering terms and other information related to its investment opportunity. Invown does not represent or warrant that the virtual business pitch or other summaries of Issuer’s investment opportunities on the Site are complete and/or completely representative of the offering.

Invown provides investors and potential investors the ability to communicate with other investors, potential investors and Issuers through a comments section on the Issuer’s virtual business pitch page. The comment feature on the Issuer’s virtual business pitch page is intended to provide an opportunity for investors to communicate questions they may have about a specific offering with other investors, potential investors and the Issuer.

Each Issuer is encouraged to participate in the conversations taking place in the comments section of its virtual business pitch page. You represent and warrant that you will follow the requirements of Regulation Crowdfunding, including requirements for communication with investors and potential investors. Violation of the communication requirements outlined in Regulation Crowdfunding may result in the removal of the comment(s) in violation of the Regulation from the Site.

Invown reserves the right, in its sole and absolute discretion, to remove any comments for any reason that we deem warrant removal from the Site, including but not limited to the following:

• Comments that contain profanity or other languages that is deemed by Invown to have the potential to offend other users or the Issuer.
• Comments that contain derogatory language targeting another User or the Issuer for their race, sex, age or sexual orientation.
• Comments providing or requesting personal information or contact information.
• Comments including SPAM or any and all promotion of security offerings on another crowdfunding site, both direct and indirect.
• Comments posted by an Issuer which do not comply with the applicable Regulations.
• Comments posted by Users that are no longer members of the Site.
• Comments regarding features of the Site that have been removed either temporarily or permanently.
• Comments that in any way violate the Terms of Service.

NO REPRESENTATIONS OR WARRANTIES

Invown does not claim or promise that the content on the Site is complete, reliable, or accurate. The Site, to the extent permissible by law, assumes no liability for any mistakes or the absence of information on the Site. Invown is not responsible or liable for investment decisions made based on the content on the Site. You acknowledge and agree that you are solely responsible for providing adequate, accurate and truthful information regarding your investment opportunities and potential risks associated with these investment opportunities, including legal, accounting, and other risks.

Issuers, and not the Site, are fully responsible for ensuring that your securities offering complies with all federal and state laws as well as any and all relevant regulations set forth by the SEC, FINRA, other federal government agencies and each state in which you offer your securities. You acknowledge and agree that Invown assumes no responsibility or liability for your compliance with all applicable federal and state securities laws and regulations.

DIGITAL MILLENNIUM COPYRIGHT NOTICE

In alignment with the Digital Millennium Copyright Act, 17 U.S.C. § 512(c) (“DMCA”), Invown’s Designated Agent can be contacted for notice of claims of copyright infringement using the information below:

Designated Agent for Claimed Infringement

Invown Corp.

Postal Address: 15 Stimson Road, New Haven CT 06511

E-mail address: [email protected]

Any User on the Site who believes its copyright rights have been infringed on the Site should notify Our Designated Agent immediately.

Invown reserves the right to remove materials identified for copyright infringement from the Site upon notification of copyright infringement. You acknowledge, accept, and agree that we have the right to remove materials identified for copyright infringement from the Site without any liability. Invown reserves the right, in its sole discretion, to terminate any accounts accused of copyright infringement. All claims of copyright infringement will be immediately referred to the United States Copyright Office.

INVESTOR USER AGREEMENT

GENERAL CONDITIONS

By electronically signing this Investor User Agreement (the “Agreement”), you acknowledge and agree that you have read in their entirely our Terms of Service and Privacy Policy and agree to be bound by each and every provision of such documents. In addition, you acknowledge and agree that you have read in its entirety this Agreement and agree to be bound by each of its provisions. Terms not defined in this Agreement have the meaning set forth in the Terms of Service or Privacy Policy, as applicable. In the event of a conflict between the Terms of Service and this Agreement, this Agreement shall control.

Unless otherwise stated, all securities-related activity is conducted by Invown Corp., a funding portal registered with the US Securities and Exchange Commission (SEC) and a member of the Financial Industry Regulatory Authority (FINRA). Invown Corp. is not a registered broker-dealer and all activity involving escrow/holding funds is performed by Prime Trust LLC, an escrow agent registered with the SEC and FINRA/SIPC.

Invown Corp. is a funding portal registered with FINRA. Invown receives compensation for providing its Site for Issuers to conduct their offering on the Site, which includes the offering and sale of securities. Invown Corp. is not a registered broker-dealer. Invown DOES NOT PROVIDE INVESTMENT ADVICE OR MAKE FINANCIAL/INVESTMENT RECOMMENDATIONS OF ANY KIND.

Although Invown may from time to time monitor or review discussions, postings, transmissions, and the like on the Site, Invown is under no obligation to do so and assumes no responsibility or liability arising from such content nor for any error, defamation, libel, slander, omission, falsehood, obscenity, profanity, danger or inaccuracy contained in any information within such locations on the Site. Invown reserves the right to remove any content from the Site or to restrict access to the Site for any reason without notice.

Invown reserves the right, without prior notice and at our sole discretion, to adjust/revise or replace the Terms of Service, modify the Site, discontinue the Site, applications or services, or add usage limits for the Site, or change, improve or correct the information, materials, and descriptions on the Site at any time for any reason. We may terminate or suspend your access to the Site, temporarily or permanently, without notice or liability, for any reason or for no reason. We reserve the right to terminate or suspend access to the Site if in our sole determination you violate any provision of the Terms of Service.

INVESTOR ACKNOWLEDGEMENTS AND ADDITIONAL AGREEMENTS

• You are exclusively responsible for reviewing the Terms of Service regularly for updates/changes.
• Your continued use of the Site and/or the Service following any updates/changes to the Terms of Service constitutes your acceptance of those updates/changes.
• Upon termination of the Terms of Service or your access to the Site, regardless of the reason, you will continue to be bound by the Terms of Service. The Terms of Service will survive termination, including without limitation ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
• You acknowledge that the information and materials on the Site may contain typographical errors or inaccuracies and that we are not liable for any such inaccuracies.
• Any dated information is published as of its date only, and we do not have an obligation to update or amend any such information.
• You acknowledge and agree that you understand that you are solely responsible for all information you post on the Site or Service, including but not limited to any and all comments, and that we will not provide any investment advice, financial advice, tax advice, or legal advice whatsoever in connection with any Campaign, offering or information posted on the Site.
• You acknowledge and agree that you understand that all information provided on the Site or by any third party on the Site, including but not limited to any and all crowdfunding opportunities, investment strategies, or offering strategies, is not in any way investment advice, financial advice, tax advice, or legal advice.
• You understand that all securities listed on the Site are being offered by, and all information included on the Site is the responsibility of, the applicable Issuer of such securities, that Invown does not verify the adequacy, accuracy or completeness of any information provided by the Issuer and that neither Invown nor any of its officers, directors, agents and employees makes any warranty, express or implied, of any kind whatsoever related to the adequacy, accuracy, or completeness of any information on the Site or the use of information on the Site.
• You acknowledge and agree that each Issuer is solely responsible for its promotion of any and all securities on the Site and not to assert any claim or bring any legal action against Invown Corp. and our Affiliates based upon information provided by an Issuer or its representative, even if you believe such information is or was false or misleading or omitted marial information of any kind or nature.
• You acknowledge and agree that you are solely responsible for analyzing and researching potential investment opportunities and potential risks associated with these investment opportunities including legal, accounting, and other risks. Your investment in any and all securities on the Site constitutes your representation that you understand the risks associated with your decision to invest in a particular security and that you accept the risks associated with your investment decision.
• You agree to consult a licensed legal professional/attorney and a financial advisor to provide tax, legal, insurance, and other advice as you deem advisable related to your investments and acknowledge and agree that the Site does not provide any advice or recommendation on tax, legal, insurance, or investment matters.
• You acknowledge and agree that you are responsible for the completeness and accuracy of your posts.
• You accept the risks associated with equity crowdfunding and the purchase of securities, including the risk of losing your investment in its entirety.
• You understand that all securities sold on the Site are private investments and by nature are illiquid, and you understand and accept the inherent risks associated with private investments, including but not limited to the risk of losing your entire investment, the low liquidity of your investment, and the resale restrictions associated with private investments which may require you to hold your investments for an extended period of time.
• You understand that none of the securities offered on Invown.com have been recommended or approved by any federal or state securities commission or regulatory authority, and you accept the risk associated with such securities.
• You agree to pay all Fees promptly as and when due.

INVESTOR REQUIREMENTS

WHEN MAKING AN INVESTMENT DECISION, INVESTORS MUST RELY ON THEIR OWN EXAMINATION OF THE ISSUER AND THE TERMS OF THE OFFERING. THIS INCLUDES ANALYZING THE MERITS AND RISKS INVOLVED WITH INVESTING IN THE OFFERING. INVESTMENTS ON Invown CROWDFUNDING ARE SPECULATIVE, ILLIQUID, AND INVOLVE A HIGH DEGREE OF RISK. THIS RISK INCLUDES THE POSSIBLE LOSS OF YOUR ENTIRE INVESTMENT.

Invown Corp. currently only facilitates offerings made under Regulation Crowdfunding.

Regulation Crowdfunding:

SECURITIES OFFERED UNDER REGULATION CROWDFUNDING ARE AVAILABLE TO ACCREDITED INVESTORS WHO RESIDE WITHIN THE UNITED STATES AND NON-ACCREDITED INVESTORS WHO RESIDE IN THE UNITED STATES CONDITIONAL ON SPECIFIC INVESTMENT LIMITS WITHIN REGULATION CROWDFUNDING UNDER THE SECURITIES ACT.

AS A CONDITION OF INVESTING IN A REGULATION CROWDFUNDING OFFERING, YOU WILL BE REQUIRED TO VERIFY YOUR STATUS AS AN ACCREDITED INVESTOR OR A QUALIFIED PURCHASER. YOU AGREE TO COOPERATE AND PROVIDE THIS INFORMATION IN ORDER TO PARTICIPATE IN THE OFFERING.

Regulation Crowdfunding enables eligible companies to offer and sell securities through crowdfunding. The rules:

• require all transactions under Regulation Crowdfunding to take place online through an SEC-registered intermediary, either a broker-dealer or a funding portal,
• permit a company to raise a maximum aggregate amount of $5,000,000 through crowdfunding offerings in a 12-month period,
• limit the amount individual investors can invest across all crowdfunding offerings in a 12-month period,
• require disclosure of information in filings with the SEC and to investors and the intermediary facilitating the offering, and
• securities purchased in a crowdfunding transaction generally cannot be resold for one year.
• Any Issuer conducting a Regulation Crowdfunding offering must electronically file its offering statement on Form C through the SEC’s Electronic Data Gathering, Analysis and Retrieval (EDGAR) system and with the intermediary facilitating the crowdfunding offering. Invown requires proof that Form C has been electronically filed and displayed on EDGAR prior to officially posting an offering on the Site.

ACCREDITED INVESTOR

By registering with the Site as an accredited investor with the intention of purchasing securities you represent and warrant that you meet at least one of the following SEC criteria for accredited investor status:

• a natural person who has an individual net worth, or joint net worth with the person’s spouse, that exceeds $1 million at the time of the purchase, excluding the value of your primary residence;
  • Explanation: In calculating net worth, you include all of your assets (other than your primary residence) whether liquid or illiquid, such as cash, stock, securities, personal property and real estate based on the fair market value of such property MINUS all debts and liabilities (other than a mortgage or other debt secured by your primary residence unless that liability exceeds the fair market value of your primary residence).
• a natural person with income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year;
• a bank, insurance company, registered investment company, business development company, or small business investment company;
• an employee benefit plan, within the meaning of the Employee Retirement Income Security Act, if a bank, insurance company, or registered investment adviser makes the investment decisions, or if the plan has total assets in excess of $5 million;
• a charitable organization, corporation, or partnership with assets exceeding $5 million;
• a business in which all the equity owners are accredited investors; or
• a trust with assets in excess of $5 million, not formed to acquire the securities offered, whose purchases a sophisticated person makes.

You agree that, in the event that any material changes occur that could affect your status as an accredited investor, you will immediately provide Invown notice in writing.

FEES

For each investment you make, an Investor Fee equal to two (2%) of the invested amount will be added to your invested amount and will be paid to Invown Corp. as compensation for our services rendered in connection with your investment. You authorize us to add the Investor Fee to your invested amount and to use your authorized Payment Method to pay the Investor Fee. This Investor Fee is NONREFUNDABLE.

All payment terms are as set forth in the Terms of Service, Article 5 (Sections 5.1 through 5.6), which terms are incorporated herein and by reference made a part hereof.

ESCROWS

A third-party escrow agent (“Escrow Holder”) will hold all funds raised for each Campaign until the authorized disbursement of funds by Escrow Holder, whether due to completion of a successful Campaign or termination of the Campaign and offering. By using third-party escrow services, the Site is bound by the Terms of Use and Privacy Policy of the Escrow Holder. The Escrow Holder is Prime Trust LLC (www.primetrust.com), an escrow agent registered with the SEC and FINRA/SIPC, or such other registered escrow agent as is from time to time designated by us. By registering your Account, you agree to be bound by the services agreement of each such Escrow Holder, as modified from time to time, and you authorize the Escrow Holder to make payments and disbursements as described in the offering documents of the applicable Campaign, provided that the Escrow Holder will be instructed to return your invested funds (not including the Investor Fee) in the event a Campaign is terminated or abandoned prior to achieving the minimum funding for the Campaign as required by the Campaign offering.

CUSTOMER IDENTIFICATION PROGRAM

Invown is required under federal law to collect certain information to identify individuals participating in the sale and purchase of securities facilitated by the Site. This information is used for anti-money laundering (“AML”) activities as well as other activities as directed by various agencies of the United States government. You acknowledge and agree that by providing the following information, you are giving Invown and each agency of the United States government the ability to use the information for AML activities and/or other activities the Site or such agency sees fit:

• Full Birth Name
• Any aliases and/or name changes
• Date of Birth
• Home Address
• Identification Number
• Other identifying and personal information from time to time required by any U.S. government agency.

Any corporations, partnerships, trusts or other legal entities acting as an investor on the Site may be required to provide other information. This can include its principal place of business, local office, employer identification number, certified articles of incorporation/organization, government-issued business license, a partnership agreement, or a trust agreement, and a list of all persons and entities owning, directly or indirectly, twenty (20) percent or more of such entity.

You warrant and represent that all information provided to Invown is complete, accurate, and not in any manner misleading. Invown is entitled to rely upon your representations that all information you provide to us is complete, accurate, and truthful. Invown is not obligated to independently verify the information provided by its Users. Invown RESERVES THE RIGHT TO SUSPEND OR PERMANENTLY TERMINATE YOUR ACCOUNT IF WE DISCOVER THAT INFORMATION PROVIDED TO THE SITE IS INACCURATE OR MISLEADING REGARDLESS OF WHETHER SUCH INACCURACY WAS INTENTIONAL OR UNINTENTIONAL.

INVESTOR COMMENTS POLICY

Invown allows each Issuer to create a virtual business pitch summarizing its business, projections, financial needs, uses of investor funds, offering terms and other information related to its investment opportunity. Invown does not represent or warrant that the virtual business pitch or other summaries of Issuer’s investment opportunities on the Site are complete and/or completely representative of the offering.

Invown provides investors and potential investors the ability to communicate with other investors, potential investors and Issuers through a comments section on the Issuer’s virtual business pitch page. The comment feature on the Issuer’s virtual business pitch page is intended to provide an opportunity for investors to communicate questions they may have about a specific offering with other investors, potential investors and the Issuer. Each Investor is encouraged to participate in the conversations taking place in the comments section of virtual business pitch pages.

Invown reserves the right, in its sole and absolute discretion, to remove any comments for any reason that we deem warrant removal from the Site, including but not limited to the following:

• Comments that contain profanity or other language that is deemed by Invown to have the potential to offend other users or the Issuer.
• Comments that contain derogatory language targeting another Investor or the Issuer for their race, sex, age or sexual orientation.
• Comments providing or requesting personal information or contact information.
• Comments including SPAM or any and all promotion of security offerings on another crowdfunding site, both direct and indirect.
• Comments posted by an Issuer which do not comply with the applicable Regulations.
• Comments posted by Users that are no longer members of the Site.
• Comments regarding features of the Site that have been removed either temporarily or permanently.
• Comments that in any way violate the Terms of Service.

NO REPRESENTATIONS OR WARRANTIES

Invown does not claim or promise that the content on the Site is complete, reliable, or accurate. The Site, to the extent permissible by law, assumes no liability for any mistakes or the absence of information on the Site. Invown is not responsible or liable for investment decisions made based on the content on the Site. You acknowledge and agree that each Issuer, and not the Site, is solely responsible for providing adequate, accurate and truthful information regarding itsr investment opportunities and potential risks associated with its investment opportunities, including legal, accounting, and other risks.

Each Issuer, and not the Site, is fully responsible for ensuring that its securities offering complies with all federal and state laws as well as any and all relevant regulations set forth by the SEC, FINRA, other federal government agencies and each state in which you offer your securities. You acknowledge and agree that Invown assumes no responsibility or liability for the compliance of any offering with any or all applicable federal and state securities laws and regulations.

DIGITAL MILLENNIUM COPYRIGHT NOTICE

In alignment with the Digital Millennium Copyright Act, 17 U.S.C. § 512(c) (“DMCA”), Invown’s Designated Agent can be contacted for notice of claims of copyright infringement using the information below:

Designated Agent for Claimed Infringement

Invown Corp.

Postal Address: 15 Stimson Road, New Haven CT 06511

E-mail address: [email protected]

Any User on the Site who believes its copyright rights have been infringed on the Site should notify Our Designated Agent immediately.

Invown reserves the right to remove materials identified for copyright infringement from the Site upon notification of copyright infringement. You acknowledge, accept, and agree that we have the right to remove materials identified for copyright infringement from the Site without any liability. Invown reserves the right, in its sole discretion, to terminate any accounts accused of copyright infringement. All claims of copyright infringement will be immediately referred to the United States Copyright Office.