The following describes the terms and conditions (the " Terms and Conditions ") upon which LAVA FINANCE LLC (the " Company " or "Lava Finance " or " We ") offers access to the App Lava Finance alongside its related country specific sites and mobile applications thereof to you the customer, irrespective of whether or not you are an Account (as defined below) holder (" you " or " You ")"".

PLEASE READ THE PRIVACY POLICY, COOKIE POLICY, RISK WARNING AND ALL OF THE FOLLOWING TERMS AND CONDITIONS INCLUDING THE SPECIAL CONDITIONS BEFORE USING OUR SERVICES. BY CONTINUING TO ACCESS OR USE OUR SERVICES, YOU SIGNIFY YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS.

If, at any time, you do not wish to accept the Terms and Conditions, you may not use our Services. Any terms and conditions proposed by you which are in addition to, or which conflict with these Terms and Conditions are expressly rejected by the Company and will have no force or effect.

You understand and agree that Lava Finance may discontinue or change the Services at any time, without notice. You also understand and agree that Lava Finance may discontinue or restrict your use of the Services for any reason without notice.

As part of the process necessary to set up an account on the Services (an " Account ") and obtain access to certain parts of the Services, you will be required to either provide your full name, email address, password. You must ensure that your Registration Credentials are accurate, truthful and updated. We reserve the right to block the creation of your Account based on our inability to confirm the authenticity of your Registration Credentials.

Unless you log into your Account via a Third Party Account, please note that your email address and password which you provide as part of the Registration Credentials will be used to login in to your Account. You will be solely responsible for maintaining the confidentiality of your email address and password and must immediately notify us of any unauthorized use of your Account. You are solely responsible for all activity and usage on your Account, including, but not limited to, use of the Account by any third party authorized by you to use your email address and password.

We permit you to maintain only one Account to access the Services at any time and you hereby represent that you currently have no other Account(s).

Due to the number of sources from which the content presented on our Services is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in such content and the Services.

THE SERVICES, AND ANY MATERIAL AND/OR CONTENT APPEARING THEREON (" CONTENT ") ARE PROVIDED "AS IS", WITHOUT ANY WARRANTIES. LAVA FINANCE, ITS EMPLOYEES, OFFICERS, DIRECTORS, AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, TIMELINESS, NONINFRINGEMENT, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT AVAILABLE THROUGH THE SERVICES, OR THE SERVICES THEMSELVES, AND LAVA FINANCE HEREBY DISCLAIMS ANY SUCH EXPRESS OR IMPLIED WARRANTIES.

IN NO EVENT SHALL LAVA FINANCE, ITS EMPLOYEES, OFFICERS, DIRECTORS, AFFILIA TES, AGENTS OR LICENSORS BE LIABLE TO YOU OR TO ANY THIRD PARTY OR TO ANYONE ELSE FOR ANY KIND OF FINANCIAL LOSS, LOST PROFITS, ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGE OR ANY OTHER SIMILAR DAMAGE OR ANY OTHER LOSS OR INJURY, RESULTING DIRECTLY OR INDIRECTLY FROM USE OF THE SERVICES, CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THE SERVICESAND ANY CONTENT ON THEREON.

IN NO EVENT SHALL LAVA FINANCE, ITS EMPLOYEES, OFFICERS, DIRECTORS, AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY OR ANY ONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH CONTENT ON THE SERVICESOR THE SERVICES THEMSELVES.

Without limiting the foregoing, you understand that laws regarding financial contracts vary throughout the world, and it is your sole obligation to ensure that you fully comply with any law, regulation or directive, applicable to your country of residence with regards to the use of the Services. The ability to access to our Services does not necessarily mean that our Services, and/or your activities via the Services, are legal under the laws, regulations or directives applicable to your country of residence.

The Services does not constitute, and may not be used for the purposes of, an offer or solicitation to anyone in any jurisdiction in which such an offer or solicitation is not authorized, or to any person to whom it is unlawful to make such an offer or solicitation. Access to the Services, and the offering of financial contracts via our Services, may be restricted in certain jurisdictions, and, accordingly, users accessing our Services are required to inform themselves of, and to observe, such restrictions.

The Services contain hyperlinks to websites operated by persons other than Lava Finance. Such hyperlinks are provided for your reference and convenience only. You agree not to hold Lava Finance responsible for the content or operation of such websites. A hyperlink from our Services to another website does not imply that Lava Finance endorses the content on that website or the operator or operations of that website. You are solely responsible for determining the extent to which you may use any content or such web-site

Furthermore, certain parts of the Services contain third-party software, including but not limited to "open source" software. Use of third-party software may be governed by separate copyright notices and license provisions, which shall be made available to you, as applicable, either by Company or by such third-party software provider. You shall not use, and shall indemnify and hold Company harmless for any such use by or on behalf of You, in a manner which infringes the rights of any third-party or which is in contravention to these Terms and Conditions and/or any specific license terms.

To the extent You are using the App on an iOS device, You acknowledge that these Terms and Conditions form an agreement between You and the Company, not with Apple Inc. (" Apple "), and that Apple is not responsible for the Services or the content thereof. Apple has no obligation to furnish any maintenance and support services with respect to the Services. Apple is not responsible for addressing any claims by You or any third-party relating to the Services or your possession and/or use of the Services, including: (a) product liability claims; (b) any claim that the Services fails to conform to any applicable legal or regulatory requirement; or (c) claims arising under consumer protection or similar legislation. Apple is not responsible for the investigation, defense, settlement and discharge of any third-party claim that the Services and/or your possession and use of the Services infringe a third-party's intellectual property rights. You agree to comply with any applicable third-party terms when using the Services. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms and Conditions, and upon your acceptance these Terms and Conditions, Apple will have the right (and will be deemed to have accepted the right) to enforce them against You as a third-party beneficiary. You hereby represent and warrant that: (i) You are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) You are not listed on any U.S. Government list of prohibited or restricted parties.

You may not use, sell, rent, lease, copy, modify, distribute, redistribute, license, publicly perform or display, publish, edit, create derivative works from, or otherwise make unauthorized use of the Services and/or any Content and Marks, without Lava Finance's prior explicit written consent; Likewise, You shall not modify, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Services, without Lava Finance's prior explicit written consent;

Except as expressly stated herein, no part of the Services, Content and/or Marks contained therein may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, without Lava Finance's prior explicit written consent;

You shall not access the Services in order to build a similar or competitive service;

You may not use the Services in connection with material which promotes illegal activities, or the violation of any local, state, national, or international law or regulation, including, without limitation, laws governing intellectual property and other proprietary rights (including, but not limited to, patents, trademarks, trade secrets, copyrights, or any confidential, proprietary or trade secret information of any third party), information protection and privacy, including, but not limited to, content which disseminates another person's personal information without his or her permission;

The Services may not be used or accessed by any automated machine, bot, spider, or such other automated feature or service;

You shall not impersonate any person or entity or otherwise misrepresent affiliation, connection or association with any person or entity, or use any fraudulent, misleading or inaccurate contact information;

You may not remove, circumvent, disable, damage or otherwise interfere with any features of the Services, or attempt to gain unauthorized access to any portion thereof through any means, or interfere with, corrupt, or disrupt the operation or performance of the Services or the ability of any other person to use them (including, without limitation, by attempting to degrade the performance of the servers in any way);

You may not violate other users' or third parties' rights to privacy, publicity and other rights, or harvest, scrape, data aggregate, data mine, screen scrape, index or collect data and information about other users or third parties without their consent, whether manually, or automatically with the use of any means, including without limitation bots, crawlers, spiders, sifters and load testers, without the express written consent of Lava Finance, or engage in testing, pen-testing, sniffing or monitoring of the Services, their systems, software or hardware in any way;

You may not use the Services in connection with material which a reasonable person could deem to be: offensive, inaccurate, incomplete, abusive, obscene, objectionable, defamatory, libelous, fraudulent or deceptive, indecent, pornographic, profane, threatening, advocating harassment or intimidation, distressing, vulgar, hateful, malicious, harmful for minors, racially or ethnically offensive, advocating racism, bigotry, hatred or physical harm of any kind against any group or individual, or disparaging the religious, political, or legal agenda of any person or entity, or is otherwise inconsistent with these Terms and Conditions including any of our policies;

Lava Finance reserves the right, at any time, to modify, suspend, or discontinue the Services or any part thereof with or without notice. You agree that Lava Finance will not be liable to You or to any third party for any modification, suspension, or discontinuance of the Services or any part thereof.

Lava Finance reserves the right to suspend the operation of the Services or any part or sections thereof at any time and no claims may be entertained against the Company in connection thereto.

You agree that Lava Finance will not be liable in any way to you or to any other person in the event of force majeure (including, but not limited to, the act of any government or legal authority) or for the failure of or damage or destruction to your computer systems, data or records or any part thereof, or for delays, losses, errors or omissions resulting from the failure or mismanagement of any telecommunications or computer equipment or software.

You understand that while the Internet and the World Wide Web are generally reliable, technical problems or other conditions may delay or prevent you from accessing the Services.

Lava Finance shall not be liable, and you agree not to hold or seek to hold Lava Finance or any of its agents or service providers liable, for any technical problems, system failures and malfunctions, communication line failures, equipment or software failures or malfunctions, system access issues, system capacity issues, high Internet traffic demand, security breaches and unauthorized access, and other similar computer problems and defects.

Lava Finance does not represent, warrant or guarantee that you will be able to access or use the Services at times or locations of your choosing, or that Lava Finance will have adequate capacity for the Services as a whole or in any geographic location.

Lava Finance does not represent, warrant or guarantee that the Services will provide uninterrupted and error-free service. Lava Finance does not make any warranties or guarantees with respect to the Services and the Content, including but not limited to, warranties for merchantability or fitness for a particular purpose.

Without limiting the foregoing Lava Finance will not be responsible for an impossibility to execute orders and requirements due to failures in the operation of informational systems caused by technical faults, which are beyond its control.

If You provide Lava Finance any feedback or suggestions regarding the Services ("Feedback"), You hereby assign to Lava Finance all rights in the Feedback and agree that Lava Finance shall have the right to use such Feedback and related information in any manner it deems appropriate. Lava Finance will treat any Feedback You provide to Company as non-confidential and non-proprietary. You agree that You will not submit to Lava Finance any information or ideas that You consider to be confidential or proprietary.

Lava Finance reserves the right (but have no obligation, except as and to the extent required by applicable law) to review any User Content, investigate, and/or take appropriate action against You in its sole discretion (including removing or modifying Your User Content, terminating Your account, and/or reporting You to law enforcement authorities).