Effective February 15, 2021

Welcome to the User Agreement. This is a legal agreement between you and iAscend Group, Inc, doing business as iAscend and hereinafter referred to as "iAscend" (collectively, the "parties," "we" or "us"). If iAscend accepts your Account Registration, you will become a "User" having access to the Site and Services only under the policies, terms and conditions below.

Information you provide is governed by our Privacy Policy. BY CREATING AN ACCOUNT OR OTHERWISE USING THE SITE (AS DEFINED BELOW) AND ANY SERVICES (AS DEFINED BELOW), YOU ARE AGREEING TO BE BOUND BY THIS USER AGREEMENT. IF YOU DO NOT AGREE TO ACCEPT THIS USER AGREEMENT IN ITS ENTIRETY, YOU SHOULD NOT ACCESS OR USE THE SITE OR SERVICES.

NOTICE OF CLASS ACTION WAIVER AND ARBITRATION PROVISION: PLEASE NOTE THAT THIS USER AGREEMENT INCLUDES A CLASS ACTION WAIVER AND A MANDATORY ARBITRATION PROVISION. OTHER THAN CERTAIN EXCEPTIONS, ANY DISPUTE, ACTION, CLAIM, OR CAUSE OF ACTION ARISING OUT OF OR IN CONNECTION WITH THIS USER AGREEMENT MUST BE RESOLVED BY ARBITRATION ON AN INDIVIDUAL BASIS, AND MAY NOT BE ARBITRATED OR OTHERWISE PURSUED AS A CLASS ACTION. PLEASE SEE SECTION 19 BELOW.

For convenience, we will refer to iAscend.co website, "DM Box" (any email you send from your User account to another User), "Chat" (any live chats conducted between you and another User), Phone Services (including recordings posted by Users and Services available through 415-712-3412 and other numbers that iAscend maintains for access by Users) and any other content therein as the "Site." We will refer to any advice, information, entertainment and other products or services you may receive from other Users or their listings on the Site as the "Services." All Users, whether they access the Site or provide or receive Services from other Users, will be referred to as "Users."

The policies, terms and conditions below limit iAscend's liability and obligations to you, and iAscend may change, suspend or terminate your access to and use of the Site and Services at any time if in iAscend's sole discretion you violate any terms and conditions of this User Agreement and iAscend's policies. We urge you to carefully read the following terms and conditions, and all policies referenced below or elsewhere on the Site. The following policies and rules are incorporated into this User Agreement by reference and provide additional terms and conditions (under construction):

• Privacy Policy
• User Services Rules Policy
• Refund Policy
• Payment Policy
• Feedback Policy
• Photo Policy
• Chat Policy
• Anti-Spam Policy
• Sexually-Oriented Content Policy
• Forum Policy

To the extent that there are any conflicts between the terms or conditions in the above policies and this User Agreement, the terms and conditions of the User Agreement shall govern.

1. Eligibility to use the Site and Services is limited.

The Site and Services are available only to persons who are at least eighteen (18) years old and are otherwise capable of forming legally binding contracts under applicable law. Without limiting the foregoing, the Site and Services are not available to Users who do not have a valid User Agreement in effect, or who iAscend has suspended from use of the Site or Services. Also, you shall also not use this Site or Services if your use is prohibited by the laws of the United States or any other country.

2. You consult with Users or provide Services at your own risk.

(a) iAscend does not evaluate, provide, produce or control the Services, or information or exchanges between Users, in any manner. Although User listings may contain verified credentials, the verification services are provided by third parties. iAscend does not itself provide any advice, information or entertainment services or other products or services, nor verify, guarantee or make any representations regarding the credentials, identity or qualifications of any User. Further, iAscend does not make editorial or managerial decisions concerning content, nor will iAscend be held responsible for any User's failure to comply with laws or regulations concerning the content of listings. iAscend provides a technology service that allows Users to share advice, information and other products or Services among themselves. Although iAscend enables its Users to connect with each other, it does not monitor the advice exchanged, and, as a result, iAscend does not control, nor is it responsible for, the truth, accuracy, completeness, safety, timeliness, quality, appropriateness, legality or applicability of anything said or written by Users, including without limitation any information contained in User listings or made available through this Site.

iAscend is not responsible for the use or exchange of any information, files or goods between Users. You are solely responsible for, and will exercise caution, discretion, common sense and judgment in, using the Site and Services, in evaluating the qualifications of, and statements made by Users in listings or through the User feedback system, and in disclosing personal information to other Users. iAscend prohibits any User from requesting that another User disclose personal contact information. If you voluntarily disclose your own personal contact information to another User, you do so at your own risk.

Placement of a User in a particular category does not mean that they are qualified in any such area or category. iAscend assumes no responsibility for monitoring any User feedback or otherwise policing its Users in any way. If you ever believe that a User has violated the law or is defrauding, threatening or endangering anyone, iAscend urges you to immediately contact the law enforcement, welfare services or other appropriate authorities directly for help. In addition, iAscend prohibits Users from using the Site or Services to solicit other Users to meet with them in person. If you do meet with other Users, you do so at your own risk.

(b) iAscend does not refer, endorse, recommend, verify, evaluate or guarantee any advice, information, entertainment services or other products or services provided by Users, or any specific User or Services, and nothing shall be considered as a referral, endorsement, recommendation or guarantee of any User or group of Users by iAscend. You must use your judgment to determine whether to initiate, receive and/or discontinue use of the Services. Users who initiate, receive and/or discontinue use of the Services do so entirely at their own risk, and iAscend bears no responsibility in this regard. We may monitor or record your live telephone conversations with other Users for operational purposes, including for technological quality assurance purposes. By agreeing to this User Agreement or using the Site, you consent to our monitoring or recording your live telephone conversations as just described. iAscend also reserves the right to monitor pre-recorded calls, review DM Box and Chat and to contact Users in order to evaluate compliance with the rules and policies set forth in this User Agreement and to take other action as set forth in the Privacy Policy. We urge you to review and understand the Privacy Policy. As part of this User Agreement you are agreeing to the terms and conditions set forth in the Privacy Policy and are obliged to abide by its terms.

(c) If you have a dispute with another User, or suffer any harm arising out of or connected with any Services provided by another User, you hereby waive all claims against and release iAscend (and its parents, subsidiaries, employees, officers, directors, shareholders, suppliers, joint venturers and agents) from any and all liability for claims, demands, damages (actual and consequential), costs and expenses (including litigation costs and attorneys' fees) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with any such other User or his/her Services or with regard to disputes relating thereto. This provision is further supplemented by Appendix A relating to Release of Liability.

3. iAscend may suspend or terminate your use of the Site or Services, at any time.

(a) iAscend reserves right to suspend, terminate, or modify your use of the Site or Services at any time. Any User with an existing Account will be asked to confirm acceptance of the new terms upon his/her first visit to use the Site or Services after posting of the change as a condition of continuing to use the Site or Services. If a returning User does not agree to the new terms, such User may cease using the Site and Services and cancel his/her Account as the User's sole remedy.

(b) Without limiting other remedies, iAscend may at any time suspend or terminate your right to use the Site or Services without reason as determined by iAscend in iAscend's absolute and sole discretion. In addition, iAscend may notify your bank and/or authorities or take any actions it deems appropriate or as required by law if iAscend: (i) suspects that you have failed to comply with any provision of this User Agreement or any policies or rules established by iAscend; (ii) is unable to verify or authenticate any billing or payment information you provide to iAscend; or (iii) suspects that your actions may be illegal or cause liability, harm or disruption for you, other Users, iAscend or the Site. You have the right to cancel your User Agreement at any time by filling out the Customer Support form and selecting "Cancel Account" in the subject line. Any suspension, termination or cancellation will not affect your obligation to pay any amounts due to iAscend.

4. iAscend's limited role.

(a) You (i) appoint iAscend as your limited agent where applicable to receive payments on your behalf for Services you provide and (ii) agree that receipt by iAscend of any such payment constitutes receipt by you and satisfies the payor's obligation to make such payment to you. Except as otherwise set forth in this Section, iAscend acts only as an interface to facilitate communications initiated between Users.

(b) Except as otherwise set forth in this Section, as a User, you are not an employee, agent or contractor of iAscend, and you shall not represent that you are any of the foregoing. You are solely responsible for all equipment necessary to access and use the Site and Services, obtaining any licensing required to provide Services or use the Site, and for reporting and payment of all taxes associated with the use of the Site or provision of Services, including any payments you receive for Services you provide. iAscend accepts no responsibility for reporting to law enforcement agencies any threats made by Users to harm themselves or third parties or take any illegal action. Any such responsibility lies with the User alone.

5. You are solely responsible for the use of your User account and agree to the following fee and payment terms:

(a) The rates for Services are as set forth in the applicable listing. A "Conversation" refers to any live call or Chat. "Transaction" means any Pre-paid Conversation or pre-recorded call through the Site initiated using your password and User account and any DM Box response sent to your DM Box account in response to a request for advice, information, entertainment services or other products or services from a User who lists a fee for email responses (each a "Pay-Per-Chat"). You hereby authorize iAscend to collect fees for each Transaction by debiting your User account immediately upon conclusion of each Transaction, regardless of quality or completeness. Fees for Conversations and pre-recorded calls are calculated based on the per-minute rate listed and the duration of the transaction. iAscend reserves the right to offer, from time to time and subject to change at any time, promotions or special offers and may limit eligibility for promotional or special offers. Fees for recorded calls are determined based on the listed fee. Fees for Pay-Per-Chat are collected immediately upon acceptance of the Pay-Per-Chat, regardless of quality or completeness, by the receiving User and are determined as set forth in the listings. You authorize iAscend, directly or through third parties, to make any inquiries we consider necessary to validate your User account and/or listing information. This may include ordering a credit report and performing other credit checks or otherwise verifying the information you provide.

(b) You agree to never allow another person access to your User account. You agree to maintain the confidentiality of your password and User account information, and agree that you are responsible for all activities that occur under your User name, password and User account.

(c) You are solely responsible for all use made of the Site and Services under your password and User account and agree to pay for all Services purchased using your password and User account information. You agree that iAscend is not responsible for any loss that you may incur as a result of any unauthorized person using your User account or password. You agree that iAscend may use information provided by you as described in the Privacy Policy.

(d) Based on User account use, and other factors identified by iAscend in its sole discretion, iAscend may verify your credit, identity and/or other background information in order for you to continue using the Site or Services. In such event, you agree to provide iAscend with additional information that may be requested; you consent to iAscend's disclosure of your personal information to third-party service providers in order to verify your credit, identity and/or other background information; and you authorize iAscend to obtain a consumer credit report or information from consumer credit reporting agencies and to verify your identity.

6. In using or accessing the Site or Services, you agree to comply with the following:

(a) You are solely responsible for the content provided and the content on listings created under your User account.

(b) You will not record or otherwise copy or store any live or pre-recorded voice call or Chat that you receive through the Site, including any Pay-Per-Chat. You will not record or otherwise store any voice call you conduct with a User. Notwithstanding the foregoing, Users may record and store their own pre-recorded voice calls (each, a "Recorded Listing" as described further on the Help page of the Site) to User in accordance with the User Services Rules Policy.

(c) You will not "frame," "mirror" or otherwise copy any portion of the Site without iAscend's express written authorization.

(d) You will not use the Site for any purpose that is, or depict any content that is, unlawful, fraudulent or contrary to this User Agreement and the policies of iAscend, and you will cooperate fully with iAscend to investigate any suspected unlawful, fraudulent or improper activity, including but not limited to granting authorized iAscend representatives access to any password-protected portions of your User account.

(e) You will conduct all for-fee communications that you have with other Users only through the Site, and you will not circumvent or attempt to circumvent the Site using third-party payment or other services. Nothing in this User Agreement, however, prevents you from providing similar services through other channels.

(f) You will not use the Site to conduct or transmit any unlawful, harassing, libelous, privacy invading, abusive, threatening, defamatory, vulgar, obscene, racist, harmful, or otherwise objectionable communications or material of any kind. You will respect the privacy of others and will not (i) attempt to obtain the personal contact information (including usernames and IDs on other communication platforms) of another User.

(g) You will not attempt to harm, disrupt or gain unauthorized access to the computer systems or networks associated with the Site or another User's computer or device.

(h) You will not attempt to obtain any information or materials relating to the Site through any means not intentionally made available through the Site.

(i) You will only use payment methods for which you are the authorized user. You will continue to provide true, accurate and complete payment registration information and will maintain as current and promptly update your personal contact information that you provide to iAscend. You will not use false identities or impersonate any other person or use a name that you are not authorized to use.

(j) You will not create obscene, offensive, tasteless, defamatory or hateful User names or content for listings.

(k) You will adhere to all applicable laws and regulations governing your actions in connection with the Site and for the provision of Services, including for meeting the requirements of applicable professional licenses and applicable advertising laws, regulations and guidelines.

(l) You will not encourage or instruct any other individual to do any of the foregoing or to violate any term of the User Agreement and iAscend policies.

7. In using the Services, you agree that:

(a) iAscend shall own all right, title and interest in Services and the Site, its entire contents and functionality, including but not limited to, all methods, processes, content, formats, designs, URLs, buttons, information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof, phone numbers, toll free numbers and number extensions together with all inventions, patents, copyrights, trademarks and other intellectual property rights and derivative works and improvements pertaining thereto, created by or derived from the Site. Except as noted below, you are not granted any right or license by implication, estoppel, or otherwise in or under any patent, trademark, copyright, or proprietary right of iAscend or any third party.

(b) You understand and agree that (i) you will have no right, title and interest to any of the toll free numbers, phone numbers or extension numbers assigned to you (ii) that iAscend may change your toll free number, phone numbers and/or extension number at any time in its sole and absolute discretion (iii) you will have no right, title and interest to any User listing name and (iv) that phone numbers, toll free numbers, extensions and User listing names may be recycled by iAscend to other Users if you are not actively using them or your User account has been terminated. Further, you hereby grant to iAscend, its distribution partners, affiliates, and similar third party website/media providers of iAscend's choice, the non-exclusive right and license to do the following with any information you post for public display via the Site or Services, all as part of delivering its Services and for related advertising of the Site and Services: use, copy, distribute, display or reference in any media form, whether now existing or later developed, your listing information, including without limitation, your listing name, tags, descriptions, photos, iAscend buttons, phone numbers and extensions, or your User information, including without limitation, your user name, registration date, conversation lengths, and submitted ratings and/or written feedback for Services.

(c) As a User, you are granted a nonexclusive, nontransferable, revocable and limited license to access and use the Site and Services in accordance with this User Agreement. iAscend may terminate this license at any time for any reason whatsoever. You may not use, copy, emulate, clone, rent, lease, sell, modify, decompile, disassemble, reverse engineer or transfer the Site or any portion thereof. If your account has been disabled, you will not be able to obtain chat or mail content.

8. Account Maintenance Fee.

iAscend may in its sole discretion charge an Account Maintenance Fee of five dollars ($5.00) per month for all User accounts. This fee will take effect after a twelve (12) month period of inactivity. Further, iAscend may in its sole discretion terminate your account if you do not use the Site or Services for a period of twelve (12) months from the date of the last use.

9. iAscend disclaims any warranties or representations regarding the Site and Services.

THE SITE AND ANY SERVICES OR GOODS OBTAINED THROUGH THE SITE ARE PROVIDED "AS IS" WITH NO WARRANTY OF ANY KIND. IASCEND AND ITS SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SITE, SERVICES AND ALL COMMUNICATIONS BETWEEN USERS MADE THROUGH THE SITE, INCLUDING ANY IMPLIED WARRANTY OF QUALITY, AVAILABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. IN ADDITION, iAscend MAKES NO REPRESENTATION OR WARRANTY THAT THE OPERATION OF THE SITE WILL BE ERROR FREE. Such warranty is enforceable to the fullest extent of the law. To the extent that any jurisdiction limits this warranty, it is only limited to the extent required by such law, and any remaining portion of the warranty shall remain valid and in effect.

10. iAscend's liability for your access to and use of the Site and Services is limited and you are responsible for your use of the Site.

UNDER NO CIRCUMSTANCES WILL IASCEND OR ITS PARENTS, SUBSIDIARIES, AGENTS OR SUPPLIERS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH USE OF THE SITE OR SERVICES, WHETHER OR NOT iAscend HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, IASCEND AND ITS PARENTS', SUBSIDIARIES', AGENTS' OR SUPPLIERS' AGGREGATE LIABILITY TO YOU ARISING WITH RESPECT TO THIS AGREEMENT WILL NOT EXCEED THE GREATER OF (a) THE TOTAL FEES ACTUALLY EARNED BY IASCEND FROM YOU (AFTER PAYMENTS TO USERS AND OTHER THIRD PARTIES) IN THE PREVIOUS TWELVE (12) MONTHS, AND (b) TWO HUNDRED DOLLARS ($200). IASCEND WILL NOT BE LIABLE FOR THE CONSEQUENCES OF ANY INTERRUPTIONS OR ERRORS. Such limitation is enforceable to the fullest extent of the law. To the extent that any jurisdiction does not allow limitations on such damages, this limitation extends only as far as such law allows. For residents of New Jersey, nothing herein limits your ability to recover damages or attorneys' fees if mandated by statute. YOU FURTHER AGREE TO HOLD HARMLESS, DEFEND AND INDEMNIFY IASCEND, AND ITS EMPLOYEES, PARENTS, SUBSIDIARIES, AGENTS AND REPRESENTATIVES, FROM AND AGAINST ANY LIABILITY ARISING FROM OR IN ANY WAY RELATED TO YOUR USE OF THE SITE FOR YOUR PROVISION OF SERVICES TO OTHERS, INCLUDING ANY LIABILITY OR EXPENSE ARISING FROM ALL CLAIMS, LOSSES, DAMAGES (ACTUAL AND CONSEQUENTIAL), SUITS, JUDGMENTS, LITIGATION COSTS AND ATTORNEYS' FEES, OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, FORESEEABLE AND UNFORESEEABLE, DISCLOSED AND UNDISCLOSED. In each case, iAscend will provide you with written notice of such claim, suit or action. iAscend shall have the right to withhold payments to you to offset liabilities and expenses covered hereunder.

11. iAscend prohibits the unauthorized use of copyrighted materials and trademarks.

You shall not use the Site or Services to transmit, route, provide connections to or store any material that infringes copyrighted works, trademarks, or otherwise violates or promotes the violation of the intellectual property rights of any third party. "iAscend" and all related names, logos, product and service names, designs and slogans are trademarks of iAscend or its affiliates or licensors. You must not use such marks without the prior written permission of iAscend. All other names, logos, product and service names, designs and slogans on the Site are the trademarks of their respective owners.

iAscend Copyright Policy:

We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials (or access to them) from the Site by submitting written notification to our Copyright Agent (designated below). In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) ("DMCA"), the written notice (the "DMCA Notice") must include substantially the following:

• Your physical or electronic signature.
• Identification of the copyrighted work you believe has been infringed or, if the claim involves multiple works on the Site, a representative list of such works.
• Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material.
• Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address).
• A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent or the law.
• A statement that the information in the written notice is accurate.
• A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Our designated Copyright Agent to receive DMCA Notices is: Copyright Agent

c/o iAscend

2538 Durant Ave.

Berkeley, CA 94704

Email: copyright@iAscend.co

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective.

Please be aware that if you knowingly materially misrepresent that material or activity on the Site is infringing your copyright, you may be held liable for damages (including costs and attorneys' fees) under Section 512(f) of the DMCA.

It is our policy in appropriate circumstances to disable and/or terminate the accounts of Users who are repeat copyright infringers.

12. Carrier Transactions and Charges.

Your dealings with any wireless, telecommunications, or other carrier ("Carrier") in connection with accessing the Site and the use or provision of Services, including payment for usage charges, participation in any promotions offered by any Carrier and/or any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the Carrier. iAscend is not responsible for any such Carrier dealings or promotions.

13. Links to Other Websites.

The Site may provide links to websites operated by third parties. iAscend is not responsible for the content, terms and conditions and/or policies on such websites. If you decide to visit any linked website, you do so at your own risk. iAscend makes no warranties, either express or implied, concerning the content of any linked website, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does iAscend warrant that such website or content is free from any claims of copyright, trademark or other infringement or that such website of content is free from viruses or other contamination.

14. Notice.

Any notice or other communication to be given hereunder will be in writing and given (a) by iAscend via facsimile, receipt confirmed, United States mail, and (b) by you via email to privacy@iAscend.co (mailto: 2538 Durant Ave, Berkeley, CA 94704). The date of receipt shall be deemed the date on which such notice is transmitted in the case of facsimile or DM Box, and five (5) days after receipt by the U.S. Postal Service in the case of United States mail.

15. No Assignment.

You shall not assign this User Agreement or assign any rights or delegate any obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without the prior written consent of iAscend, which may be withheld in its sole discretion. Any such purported assignment or delegation by you without the appropriate prior written consent of iAscend will be null and void and of no force or effect. iAscend may assign this Agreement or any rights hereunder without your consent.

16. Relationship of the Parties.

Notwithstanding any provision hereof, for all purposes of this User Agreement each party shall be independent and act independently and not as a contractor, partner, joint venturer, agent, employee or employer of the other and shall not bind nor attempt to bind the other to any contract.

17. Electronic Records.

You consent to the use of (a) electronic means to complete this User Agreement, to use the Site and Services and to provide you with any notices given pursuant to this User Agreement, and (b) electronic records to store information related to this User Agreement or your use of the Site.

You can request a copy in paper form of this User Agreement and any other records relating to this User Agreement or your use of the Site by sending a written request to: iAscend, 2538 Durant Ave, Berkeley, CA 94704. You understand and agree that this User Agreement and any notices given pursuant to this User Agreement are enforceable in electronic format.

18. Miscellaneous.

If any provision of this User Agreement is held to be invalid or unenforceable in its entirety, such determination will not affect the validity of the remainder of the Agreement. If any provision of this User Agreement is held to be invalid or unenforceable in part, such determination will not affect the validity of the remainder of that provision. You acknowledge and agree that the substantive laws of the state where you primarily rendered or received Services under the User Agreement shall apply to each claim covered by this Agreement without giving effect to principles of conflicts of laws. iAscend's failure to act with respect to a breach by you or others does not waive iAscend's right to act with respect to subsequent or similar breaches. The failure of iAscend to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. You agree that this User Agreement and the policies incorporated herein, and iAscend's enforcement thereof, are not intended to confer and do not confer any rights or remedies upon any person other than you and iAscend. This User Agreement, together with the rules and policies of iAscend, constitutes the entire agreement between iAscend and you with respect to the subject matter hereof.

19. Mutual Arbitration Provision

19.1 Agreement to Arbitrate

iAscend and you agree to enter into the arbitration agreement contained in this Section 19 ("Arbitration Provision"). This Arbitration Provision is governed by the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) and evidences a transaction involving interstate commerce. This Arbitration Provision applies to any dispute arising out of or related to this User Agreement, your relationship with iAscend or one of its affiliates, successors, subsidiaries, assigns, or parent companies (together, "iAscend Affiliates"), the termination of that relationship, or any other aspect of your relationship with iAscend or any iAscend Affiliate, regardless of such dispute's date of accrual, and this Arbitration Provision continues in effect after and survives the termination of any relationship between the parties.

19.2 How this Arbitration Provision Applies

Except as otherwise stated below, this Arbitration Provision is intended to apply to the resolution of disputes that otherwise would be resolved in a court of law or a forum other than arbitration, and you and iAscend agree that any legal dispute or controversy covered by this Arbitration Provision, or arising out of, relating to, or concerning the validity, enforceability or breach of this Arbitration Provision, shall be resolved by binding arbitration in accordance with the JAMS Streamlined Arbitration Rules & Procedures ("JAMS Rules") then in effect, to be held (unless the parties agree in writing otherwise) within 45 miles of where you last provided Services under this User Agreement. The JAMS Rules are available online, free of charge, at www.jamsadr.com, or by searching for "JAMS Streamlined Arbitration Rules" using a service such as www.google.com or www.yahoo.com. If for any reason JAMS will not administer the arbitration, either party may apply to a court of competent jurisdiction with authority over the location where the arbitration will be conducted for appointment of a neutral arbitrator. If the JAMS Rules are inconsistent with the terms of this Arbitration Provision, the terms of this Arbitration Provision shall govern.

By entering into this Arbitration Provision, you agree to arbitrate disputes with any entity or individual, and waive your right to have such disputes resolved by a trial by a jury or judge, arising out of or related to this User Agreement, background checks, privacy, your relationship with iAscend, the termination of that relationship, trade secrets, unfair competition, compensation, breaks and rest periods, retaliation, discrimination or harassment, defamation, slander and libel, claims arising under the Fair Credit Reporting Act, Uniform Trade Secrets Act, Civil Rights Act of 1964, Americans With Disabilities Act, Age Discrimination in Employment Act, Family Medical Leave Act, Fair Labor Standards Act, California Labor Code, California Fair Employment and Housing Act, California Family Rights Act, Affordable Care Act, Genetic Information Non-Discrimination Act, city or 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 this relationship, including, but not limited to, claims that may be asserted for any post-relationship conduct or time periods, such as defamation or retaliation.

19.3 Limitations on how this Arbitration Provision Applies

This Arbitration Provision does not apply to a representative action brought on behalf of others under the Private Attorneys General Act of 2004 ("PAGA"), California Labor Code § 2698, et seq., to the extent that such an action can only be brought by the state or its representatives, where any resulting judgment is binding on the state, and where any alleged monetary penalties largely go to state coffers.

This Arbitration Provision also does not apply to claims for workers compensation, state disability insurance, or unemployment insurance benefits.

Either you or iAscend may apply to a court of competent jurisdiction for temporary or preliminary injunctive relief in connection with an arbitrable controversy, but only upon the ground that the award to which that party may be entitled may be rendered ineffectual without such relief.

Regardless of any other terms of this Arbitration Provision, a claim may be brought before and remedies awarded by an administrative agency if applicable law permits the agency to prosecute or adjudicate the claim notwithstanding the existence of an agreement to arbitrate that is governed by the Federal Arbitration Act. Nothing in this Arbitration Provision shall be deemed to preclude or excuse a party from bringing an administrative claim before any agency in order to fulfill the party's obligation to exhaust administrative remedies before making a claim in arbitration.

This Arbitration Provision also does not apply to disputes between the parties that may not be subject to predispute arbitration agreement provided by an Act of Congress.

19.4 How Arbitration Proceedings are Conducted

In arbitration, the parties will have the right to conduct adequate civil discovery, bring dispositive motions, and present witnesses and evidence as needed to present their cases and defenses, and any disputes in this regard shall be resolved by the arbitrator. The statutes of limitations applicable to each claim or cause of action shall apply, and written notice of arbitration shall be initiated within the statute of limitations and other time limitations applicable to each claim or cause of action asserted. The Federal Rules of Evidence shall apply, except as modified by the arbitrator.

You and iAscend agree to resolve any dispute in arbitration on an individual basis only, and not on a class or collective action basis ("Class Action Waiver"). The arbitrator shall have no authority to consider or resolve any claim or issue any relief on any basis other than an individual basis, and shall not do so on a class or collective action basis. Notwithstanding any other provision of this Arbitration Provision or the JAMS Rules, disputes regarding the enforceability, revocability, or validity of this Class Action Waiver may be resolved only by a civil court of competent jurisdiction and not by an arbitrator. In any case in which: (i) the dispute is filed as a class or collective action; and (ii) there is a final judicial determination that all or part of the Class Action Waiver is unenforceable, the class and/or collective action to that extent must be litigated in a civil court of competent jurisdiction, but the portion of the Class Action Waiver that is enforceable shall be enforced in arbitration.

Except as otherwise provided in Section 19.3, and to the extent permitted by law, (i) you and iAscend agree not to bring a representative action on behalf of others in arbitration; and (ii) for any claim brought on a private attorney general basis (i.e., where you are seeking to pursue a claim on behalf of a government entity) both you and iAscend agree that any such dispute shall be resolved in arbitration on an individual basis only (i.e., to resolve whether you have been personally aggrieved or subject to any violations of law), and that such an action may not be used to resolve the claims or rights of other individuals in a single or collective proceeding (i.e., to resolve whether other individuals have been aggrieved or subject to any violations of law) ("PAGA Waiver"). Notwithstanding any other provision of this Arbitration Provision or the JAMS Rules, the validity of the PAGA Waiver may be resolved only by a court of competent jurisdiction and not by an arbitrator. If any provision of the PAGA Waiver is found to be unenforceable or unlawful for any reason, (i) the unenforceable provision shall be severed from this Arbitration Provision; (ii) severance of the unenforceable provision shall have no impact whatsoever on the Arbitration Provision or the parties' attempt to arbitrate any remaining claims on an individual basis pursuant to the Arbitration Provision; and (iii) any representative action brought under PAGA on behalf of others must be litigated in a civil court of competent jurisdiction and not in arbitration.

19.5 Paying for the Arbitration

You and iAscend shall follow the JAMS Rules applicable to initial filing fees, but in no event will you be responsible for any portion of those fees in excess of the filing or initial appearance fees applicable to court actions in the jurisdiction where the arbitration will be conducted. iAscend otherwise shall pay all costs and expenses unique to arbitration, including without limitation the arbitrator's and/or arbitration fees.

Each party will pay the fees for his, her, or its own attorneys, subject to any remedies to which that party may later be entitled under applicable law (e.g., a party prevails on a claim that provides for the award of reasonable attorneys' fees to the prevailing party).

19.6 The Arbitrator's Decision and Award.

The arbitrator must follow applicable law and may award any party any remedy to which that party is entitled under applicable law, but such remedies shall be limited to those that would be available to a party in his or her individual capacity in a court of law for the claims presented to and decided by the arbitrator, and no remedies that otherwise would be available to an individual in a court of law will be forfeited by virtue of this Arbitration Provision. The arbitrator's decision shall be final and binding upon the parties, must be in writing, and must contain the arbitrator's reasoning. Judgment may be entered on the arbitrator's decision in any court having jurisdiction.

19.7 Enforcement of this Arbitration Provision; Other Terms

Any party (including iAscend Affiliates) to this Arbitration Provision may bring an action in a court of competent jurisdiction to compel arbitration under this Arbitration Provision, and to confirm, vacate, or enforce an arbitration award, with each party bearing its own attorneys' fees, costs and expenses in such court proceedings, subject to any remedies to which that party may later be entitled under applicable law. This Arbitration Provision replaces all prior agreements (if any) regarding the arbitration of disputes and is the full and complete agreement relating to the formal resolution of disputes covered by this Arbitration Provision. Except as stated in Section 19.4 above, in the event any portion of this Arbitration Provision is deemed unenforceable, the remainder of this Arbitration Provision will be enforceable.

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By clicking "I accept", you expressly acknowledge that you have read, understood, and taken steps to thoughtfully consider the consequences of the User Agreement and Arbitration Provision, that you agree to be bound by the terms and conditions of the User Agreement and Arbitration Provision, and that you are legally competent to enter into the User Agreement and Arbitration Provision with iAscend.

Appendix A

In addition to the general release set forth in Section 2(c) of the User Agreement, User further agrees to waive any claims against iAscend arising out of this Agreement as supplemented below. In particular, User acknowledges and agrees that:

In California:

User is releasing all rights under section 1542 of the California Civil Code, which provides:

A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, and that, if known by him, her, or them would have materially affected his, her, or their settlement with the debtor or released party.

In Montana:

User is releasing all rights under Montana Code Annotated Section 28-1-1602, which provides:

A general release does not extend to claims that the creditor does not know or suspect to exist in the creditor's favor at the time of executing the release, which, if known by the creditor, must have materially affected the creditor's settlement with the debtor.

In North Dakota:

User expressly waives any and all rights that User may have under any state or local statute, executive order, regulation, common law and/or public policy relating to unknown claims, including but not limited to North Dakota Century Code Section 9-13-02, which provides:

A general release does not extend to claims which the creditor does not know or suspect to exist in the creditor's favor at the time of executing the release, which if known by the creditor, must have materially affected the creditor's settlement with the debtor.

In South Dakota:

User expressly waives any and all rights that User may have under any state or local statute, executive order, regulation, common law and/or public policy relating to unknown claims, including but not limited to South Dakota Codified Laws Section 20-7-11, which provides:

A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.

Effective February 15, 2021

This Privacy Policy applies to all websites, mobile applications, and other digital platforms linking to or posting this Privacy Policy (each a "Platform") and operated by iAscend Group, Inc (collectively, "iAscend Group, Inc", "we", "our", or "us"). This Privacy Policy describes how we use, store, disclose, and process information that we obtain about you through any of our Platforms, including information that we obtain through any offering or other service that we provide, in whole or in part, through any of our Platforms.

If you are a resident of California, please also review our California Consumer Privacy Act Disclosures below.

For purposes of the EU's General Data Protection Regulation 2016 (the "GDPR") the data controller is iAscend Group, Inc, with an office at 2538 Durant Ave, Berkeley, California 94704 USA. Please see Section 12 below for additional disclosures applicable only to users based in the European Union (the "EU").

PLEASE NOTE THAT BY USING OR ACCESSING ANY PLATFORM TO WHICH THIS PRIVACY POLICY IS POSTED OR LINKED, YOU CONSENT TO THE TERMS OF THIS PRIVACY POLICY.

1. What types of information do we collect and how do we collect it?

2. How do we use information collected about you?

3. How long do we maintain your personal data?

4. To whom do we disclose information collected about you?

5. What are our policies for cookies and similar technologies?

6. How do we secure information collected about you?

7. Do our platforms support "DO NOT TRACK" signals?

8. Do we share information about you with third parties for their own direct marketing purposes?

9. What are the policies of linked websites and other third parties?

10. What is our policy on use of our platforms by children?

11. How can you correct, update or make choices about the information collected about you that we are storing?

12. Additional disclosures for users based in the European Union.

13. What are the terms regarding any future changes to this privacy policy?

14. What law governs any disputes regarding this privacy policy?

15. How can you contact us?

1. WHAT TYPES OF INFORMATION DO WE COLLECT AND HOW DO WE COLLECT IT?

When you use or access any of our Platforms, we may collect a variety of information about you and others, as described below. Such information includes, but is not limited to, information about you which is in a form that permits us to identify you (your "personal data").

A. Personal Data About You That You Provide.

When you use or access any of our Platforms, we may ask you to provide us with certain personal data, including but not limited to some or all of the following: your name, username, email address, telephone number, current and previous mailing addresses, credit or debit card or PayPal account information, payment address, other financial account number, social security number or tax identification number, driver's license number or other government issued identification number (or a copy of your driver's license or other government issued identification card), date of birth, time of birth, birth location, login, PIN, password, account preferences, and time zone. You may be asked for this information at various times when interacting with our Platforms, such as when registering to be a user of any of our services, when making a purchase through any of our Platforms, or when filling out a form or survey or participating in a promotion through our Platforms.

B. Personal Data About You That We Collect Via Technology.

When you use or access any of our Platforms, we may also collect certain personal data through automated means, including but not limited to some or all of the following: your mobile phone number, unique device ID, device type, machine ID, geolocation information, computer and connection information, browser type, Internet Protocol ("IP") address (a number that is automatically assigned to your computer when you use the Internet, which may vary from session to session), domain name, and date and time stamps for your visits. We also may collect any telephone number from which you contact us, or from which you place a call to another user through our calling feature on any of our Platforms. (If you call any user or other person directly – that is, not through the calling feature on any of our Platforms – your telephone number may be obtained by the person called.)

We may monitor or record your live telephone conversations with other users through the Platform for operational purposes, including for quality assurance purposes and in furtherance of making certain services available to you.

C. Information About You That We Collect From Others.

When you use or access any of our Platforms, we may also collect your name and email address from your friends who suggest to us that you may wish use one of our Platforms. If we receive this personal data about you in this way, we will contact you to let you know that you have been recommended to us. If you do not respond to our outreach or you ask us to delete your personal data, we will do so.

When you use or access certain of our Platforms, we may also collect your name, address, phone number, and geolocation information from other third parties, such as identity verification vendors which we engage.

D. Information About Others That We Collect From You.

When you use or access any of our Platforms, you may decide to provide us with information about a third party, such as your friends' names and email addresses in connection with our "referral badge" features.

E. Information Provided to Social Networking Sites.

Some of our Platforms may include the ability for you and other users to connect your profile on our Platform with Facebook or other social networking sites (each, a "SNS"), such as via the "Connect to Instagram" functionality, whether you initially connect from our Platform to the SNS or in the other direction from the SNS to our Platform. We may receive or access information about you through the SNS when you choose to connect your Platform profile to any SNS, or to post or otherwise share information on any SNS to which you have connected your Platform profile. Note that any information that you or others post to an SNS will be accessible by any users of such SNS, subject to its terms of service and privacy policy.

F. Other Information That We Collect Via Technology.

When you use or access our Platforms, we also may collect certain information through automated means associated with your activities on our Platforms, including information about the way you interact with any of our Platforms or any content thereon, statistics regarding your page views and traffic to and from our Platforms, and the number of bytes transferred, hyperlinks clicked, and other actions you take on our Platforms. Each of our Platforms may also track information such as the URL that you visited before you come to the Platform and the URL to which you next go. As with most websites and other digital platforms, we also employ cookies, pixel tags, web beacons, and similar technologies on our Platforms to collect and store certain information about visitors to our Platforms, to improve our services, and to help us remember you and your preferences when you revisit our Platforms. For more information about our practices in this area for a particular Platform, please see our Cookies Policy linked in the footer of such Platform.

G. Information in Your Inquiries and Posts.

We also collect any information you send to us or other users through any of our Platforms, including information about you in correspondence, mail, and chats conducted through a Platform, and responses to our customer satisfaction surveys or customer service communications. We also collect information from content you post in online reviews, comments, forums, or blogs on our Platforms.

2. HOW DO WE USE INFORMATION COLLECTED ABOUT YOU?

Our primary purpose in collecting information about you in connection with your use of our Platforms is to provide you or connect you with our products, services, information, and users that match your interests and preferences. However, we may use such information collected about you for a variety of commercial purposes. Without limitation, we may use such information to:

• enable your participation in activities on our Platforms;
• provide our offerings and services to you;
• confirm your identity;
• enforce our Platform policies and terms of service, and investigate potential violations of such policies or terms;
• fulfill an order that you place through any of our Platforms, including to process payment for any purchase made through any of our Platforms;
• respond to inquiries that you may have about any of our Platforms or services;
• administer your account on any of our Platforms;
• display our content based upon your interests;
• enable you to search information on our Platforms;
• list in our search and directory services any users who provide services through one of our Platforms;
• contact you regarding customer service and customer surveys;
• assess your needs and interests in our products and services in order to better tailor our offers and/or advertising;
• improve our Platforms;
• inform you of changes made to our Platforms;
• organize or carry out promotional activities, games or promotional events;
• inform you of products, services, promotions, offers, and competitions which you may find interesting, provided you have not opted out of receiving such information or, where required, we have your express consent;
• conduct research;
• understand general customer trends and patterns so we can develop and support existing and ongoing marketing strategies for our products and services; and
• conduct other marketing and commercial activities.

We may also use information about you that we collect in connection with your use of our Platforms for security, administrative, and legal purposes (including to detect, prevent, or otherwise address fraud, security or technical issues).

Also, we may combine information about you that we collect in connection with your use of our Platforms with other records (such as those obtained from third parties) to develop a customer profile relating to you.

3. HOW LONG DO WE MAINTAIN YOUR PERSONAL DATA?

We will store your personal data for no longer than is necessary for the purpose for which such personal data is processed. Please note, however, that we may retain and use your personal data as necessary to comply with our legal obligations, to resolve disputes, and to enforce our agreements and rights, or if it is not technically and reasonably feasible to remove such information from our databases, which means that we may retain and use your personal data as necessary after you stop using our Platforms. Subject to the foregoing, we will endeavor to delete your personal data promptly upon your written request.

4. TO WHOM DO WE DISCLOSE INFORMATION COLLECTED ABOUT YOU?

We may share or disclose information about you to third parties in the following situations:

A. Other Users.

In connection with making the Platforms available to our users, we may disclose certain information about you (including your name, username, and date of birth) to other users of the Platforms, solely as directed by you or as authorized under our terms of service for the applicable Platform.

B. Our Affiliates.

We may disclose information collected about you to our affiliates who act as service providers for us. By "affiliates", we mean any entity that controls, or is controlled by, or is under common control with iAscend Group, Inc, including, but not limited to, companies doing business under any of the following brands: iAscend Group, Inc, and iAscend. Our affiliates provide us with various services, including fraud detection and marketing services. Personal data collected about you by one entity in our corporate family will not be disclosed to any affiliate (i.e., to any other entity in our corporate family) for their direct marketing purposes, without your consent.

C. Third-Party Service Providers.

We also disclose information collected about you to our third-party service providers and other partners who perform services on our behalf in connection with any of the Platforms. The services provided by such third parties and partners include services in the following categories:

• processing payments on our behalf;
• helping us to provide products or services that you request;
• sending marketing communications on our behalf;
• authenticating identities on our behalf;
• helping us to create or maintain our databases;
• helping us to research or analyze the people who use our Platforms; and
• testing our Platforms.

Unless you consent, we do not permit our service providers to use such information in order to market their own products or services to you directly. When we transfer any of your personally identifiable information to such a service provider or partner, that entity will be contractually required, among other things, (a) to use such information only to carry out those services that we have requested, (b) to abide by this Privacy Policy, and (c) to provide adequate protection for such information (as required by applicable legal requirements).

D. Social Networking Sites.

As noted above, some of our Platforms may enable you to connect with and/or post content to SNSs. And our Platforms also integrate technologies facilitated by various SNSs, such as Facebook pixels. You acknowledge and agree that you are solely responsible for your use of any SNS, and that it is your responsibility to review the terms of use and privacy policy of the third-party provider of such SNS. We are not responsible or liable for: (i) the availability or accuracy of any SNS; (ii) the content, products or services on or availability of any SNS; or (iii) your use of any SNS.

E. Co-Branded Service Providers.

We may enter into agreements with certain third-party businesses pursuant to which we provide such third party with a URL and a customer registration page co-branded with, or private labeled by, the third party, which distributes and promotes the URL to its customers. If you register on a website with a third party with which we have such a co-branded arrangement, we may provide information we have collected about you through our Platforms to such third party acting as such third party's service provider.

F. General Public.

We may share with the general public via our Platforms, or re-publish on a third-party website, any information that you post as a user of one of our Platforms, such as information in a listing, online review, comment, forum, or blog posting on any of our Platforms. This may include information that identifies you (by username or otherwise).

G. Third Parties Involved in Business Transition.

We may share information about you collected through the Platforms to one or more third parties in connection with or during negotiation of any merger, financing, acquisition or dissolution, transition, or proceeding involving the sale, transfer, divestiture, or disclosure of all or a portion of our business or assets. In the event of an insolvency, bankruptcy or receivership, such information may also be transferred as a business asset. If another company acquires any of our companies, businesses or assets, that acquiring company may acquire the information about you collected by us through our Platforms. We do not guarantee that any entity receiving such information in connection with one of these transactions will comply with all of the terms of this Privacy Policy following such transaction.

H. Our Advisors.

We may also share information collected about you with our auditors, legal advisors, and similar third parties in connection with our receiving their professional services, subject to standard confidentiality obligations.

I. Law Enforcement.

We may disclose information about you to the government or to third parties under certain circumstances when legally obligated to do so, such as in connection with suspected illegal activity in connection with the Platforms, or to respond to a subpoena, court order or other legal process, or that we believe may aid a law enforcement investigation. We reserve the right to release information collected through the Platforms to law enforcement or other government officials, as we, in our sole discretion, deem necessary or appropriate.

J. Legal Processes.

We may share all types of information with others as required by, or permitted by, law. This may include sharing all types of information with governmental entities, or third parties in response to subpoenas, court orders, other legal process, or as we believe is necessary to exercise our legal rights, to defend against legal claims that have been brought against us, or to defend against possible legal claims that we determine in our sole discretion might be brought against us.

K. Other Third Parties.

We may share information with other third parties that are not described above. When we do so we will endeavor to either aggregate or de-identify the information so that a third party would not be likely to link data to you, your computer, or your device. Aggregation means that we combine the information of numerous people together so that the data does not relate to any one person. De-identify means that we remove or change certain pieces of information that might be used to link data to a particular person.

We may also share any information with other third parties that are not described above if you give us consent to do so.

5. WHAT ARE OUR POLICIES FOR COOKIES AND SIMILAR TECHNOLOGIES?

Please see our Cookies Policy linked in the footer of the applicable Platform.

6. HOW DO WE SECURE INFORMATION COLLECTED ABOUT YOU?

We have implemented and follow technical and procedural measures (including encryption of certain information) intended to protect against unauthorized access and use of information collected in connection the use of our Platforms. HOWEVER, PLEASE NOTE WE CANNOT FULLY ELIMINATE THESE RISKS AS, DESPITE OUR BEST INTENTIONS, NO TECHNOLOGY IS COMPLETELY SECURE. OUR PLATFORMS ARE OPERATED ON SOFTWARE, HARDWARE, AND NETWORKS, ANY COMPONENT OF WHICH MAY, FROM TIME TO TIME, EXPERIENCE BREACHES OF SECURITY OR OTHER ISSUES BEYOND OUR CONTROL.

Accordingly, we cannot guarantee that any information collected about you, whether during transmission or while stored on our systems or otherwise in our care, will be absolutely safe from intrusion by others who do not have your authorization. Any such transmission or sharing of that information is done at your own risk.

You also play a role in protecting your personal information. Please do not share your user name or password with others.

7. DO OUR PLATFORMS SUPPORT "DO NOT TRACK" SIGNALS?

At this time, our websites do not support "Do Not Track" preferences that may be available in your browser for letting websites know that you do not want them collecting certain kinds of information. If you turn on the "Do Not Track" setting on your browser, our websites are not currently capable of following whatever Do Not Track preferences you set. For more information about Do Not Track, visit donottrack.us.

8. DO WE SHARE INFORMATION ABOUT YOU WITH THIRD PARTIES FOR THEIR OWN DIRECT MARKETING PURPOSES?

No. We do not disclose your personal data to third parties for their own direct marketing purposes without your consent.

9. WHAT ARE THE POLICIES OF LINKED WEBSITES AND OTHER THIRD PARTIES?

Our Platforms may contain links to other websites that are not covered by this Privacy Policy and where information practices may be different from ours. Our provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. When you click on such a link, you will leave our Platform and go to another website. During this process, another entity may collect information from you. We have no control over, do not review, and are not responsible for the privacy practices or the content of such other websites. Please be aware that the terms of this Privacy Policy do not apply to these outside websites or content, or to any collection of data after you click on links to such outside websites.

10. WHAT IS OUR POLICY ON USE OF OUR PLATFORMS BY CHILDREN?

None of our Platforms are designed or intended to be attractive to use by children under the age of 18, and we do not knowingly collect personally identifiable information from children under 18. IF YOU ARE UNDER 18 YEARS OF AGE, PLEASE DO NOT USE ANY OF OUR PLATFORMS AT ANY TIME OR IN ANY MANNER.

11. HOW CAN YOU CORRECT, UPDATE OR MAKE CHOICES ABOUT THE INFORMATION COLLECTED ABOUT YOU THAT WE ARE STORING?

A. General.

If any of your personal data that we are storing changes, or if you no longer desire our services, you may correct, update, or delete information about you, or ask that it be removed from public forums (such as directories, blogs, or testimonials) on our Platforms, by calling us at (415) 712-3410 or emailing us at privacy@iascend.co, or (for some information) by logging into your profile on the applicable Platform and making changes in your account settings. We will attempt to respond to your request within 30 days. In some cases, we may not be able to remove your personal data, in which case we will endeavor to let you know that we are unable to do so and why. For example, we may be required (by law or otherwise) to keep certain information and not delete it (or to keep this information for a certain time, in which case we will comply with your deletion request only after we have fulfilled such requirements).

B. Disconnecting a SNS.

If you decide at any time that you no longer wish to have your Facebook, Twitter, or other SNS account linked to your Platform account, you must de-link the SNS from the applicable Platform by logging into your profile for such SNS and changing your preferences. You may also manage the sharing of certain personal information with us when you connect with us through an SNS, such as through Facebook Connect. Please refer to the privacy settings of the SNS to determine how you may adjust our permissions and manage the interactivity between our Platforms and your social media account.

C. Stopping Certain Communications From Us.

1. Emails. We may communicate with you by email at various times about your account and transactions, as well as regarding various customer service matters, customer surveys, and promotions, including special offers and updates about new products and services. You can choose to stop receiving promotional emails from us at any time simply by following the "Unsubscribe" or "Manage Email Preferences" link at the bottom of any promotional email, or by logging into your profile on the applicable Platform and changing your account preferences. Please note that you may not opt out of receiving non-promotional emails regarding your account or your transactions with us.

2. Service-Only Telephone Calls or Text Messages. If you voluntarily provide your telephone number to us, you will be agreeing that we (including our affiliates and agents) can call or text you at that number (including via an automated dialing system or prerecorded message) to respond to your request for our services and to communicate with you regarding your account or a transaction with us. Please note that standard message and data rates may apply. If you wish to stop receiving such service-only calls or texts at any time, you may do so by logging into your account and clicking the "Personal Information" link under the menu icon, and changing your account preferences; by calling us at (415) 712-3410; by emailing us at privacy@iascend.co; or (for texts only) by responding "STOP" to any such text message.

3. Telephone Marketing Calls. If we have provided you the option to consent to receive telephone marketing calls from us (including via an automated dialing system or prerecorded messages), please note that your decision to consent to receive such promotional calls or messages is voluntary and is not required to purchase or use any of our products or services. If you have provided consent to receive telephone marketing calls from us, but you wish to revoke such consent, you may do so by any reasonable means, including by calling us at (415) 712-3410 or emailing us at privacy@iascend.co and stating that you wish to revoke such consent.

4. Text Message Marketing. If we have provided you the option to consent to receive promotional text messages from us (including via an automated dialing system), please note that your decision to consent to receive such promotional text messages is voluntary and is not required to purchase or use any of our products or services, and that standard message and data rates may apply. If you have provided consent to receive promotional text messages from us, but you wish to revoke such consent, you may do so by any reasonable means, including by calling us at (415) 712-3410 or emailing us at privacy@iascend.co and stating that you wish to revoke such consent, or by responding "STOP" to any such message.

12. ADDITIONAL DISCLOSURES FOR USERS BASED IN THE EUROPEAN UNION.

A. General.

We are headquartered in the United States. By using any of our Platforms from outside the United States, you acknowledge that your personal data may be accessed by us or transferred to us in the United States and to our affiliates, partners, and service providers who are located around the world; and that your personal data will be transferred to, and stored and processed in, the United States or elsewhere in the world where our servers are located.

If you are based in the EU, we will only process your personal data for a purpose described in this Privacy Policy if (1) you have provided your consent (which can be withdrawn at any time), (2) the processing is necessary for the performance of a contract we are about to enter into or have entered into with you, (3) we are required by law, (4) processing is required to protect your vital interests or those of another person, or (5) the processing is necessary for the purposes of our legitimate commercial interests (except where such interests are overridden by your rights and interests).

B. Rights Under the GDPR.

If you are based in the EU, in certain circumstances you have rights under data protection laws in relation to your personal data that we hold about you – specifically:

1. Request access to your personal data. You may have the right to request access to any personal data we hold about you as well as related information, including the purposes for processing the personal data, the recipients or categories of recipients with whom the personal data has been shared, where possible, the period for which the personal data will be stored, the source of the personal data, and the existence of any automated decision making.

2. Request correction of your personal data. You may have the right to obtain without undue delay the rectification of any inaccurate personal data we hold about you.

3. Request erasure of your personal data. You may have the right to request that personal data held about you be deleted.

4. Request restriction of processing your personal data. You may have the right to prevent or restrict processing of your personal data.

5. Request transfer of your personal data. You may have the right to request transfer of your personal data directly to a third party where this is technically feasible.

Also, where you believe that we have not complied with our obligation under this Privacy Policy or European data protection law, you have the right to make a complaint to an EU Data Protection Authority.

You can exercise any of these rights by calling us at (415) 712-3410 or by emailing us at privacy@iascend.co.

C. Restrictions on Use of Your Personal Data to Promote Third-Party Products and Services.

If you are based in the EU, we will only send you direct marketing communications related to third party products and services, if you have given your consent to receiving such marketing. We will generally ask for your consent to receive such marketing when you first provide your personal data.

You can choose to stop receiving any direct marketing communications from us at any time simply by following the "Unsubscribe" or "Manage Email Preferences" link at the bottom of any promotional email, or by logging into your profile on the applicable Platform and making changes in your account settings. Please note that you may not opt out of receiving non-promotional emails regarding your account or your transactions with us.

13. WHAT ARE THE TERMS REGARDING ANY FUTURE CHANGES TO THIS PRIVACY POLICY?

We reserve the right to update or modify this Privacy Policy from time to time, with any such changes to be effective prospectively. Please visit this web page periodically so that you will be apprised of any such changes. Your continued use of any of our Platforms after any modification to this Privacy Policy will constitute your acceptance of such modification.

14. WHAT LAW GOVERNS ANY DISPUTES REGARDING THIS PRIVACY POLICY?

You agree that any dispute over privacy or the terms contained in this Privacy Policy will be governed by the law of the State of California, without reference to the choice of law or conflicts of law principles thereof, and will be subject to the terms and limitations of the User Agreement or any other agreement we may have with you.

If any provision of this Privacy Policy is judged to be illegal, void or unenforceable due to applicable law or by order of a court of competent jurisdiction it shall be deemed deleted and the continuation in full force and effect of the remainder of the provisions will not be prejudiced.

If you enter into a contract with us that requires, or contemplates, collecting, using, sharing, or securing information about you in a manner that is different than that which is described in this Privacy Policy, the terms of that contract will apply.

15. HOW CAN YOU CONTACT US?

If you have any questions or concerns regarding this Privacy Policy, please contact us at:

• Email address: privacy@iascend.co
• Telephone number: (415) 712-3410
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