Terms of Use

1. Agreement to Terms

By accessing and using our Site, you agree to be bound by these Terms. If you do not agree to be bound by these Terms, you are not authorized to use the Site. Because our Site is evolving over time, we may change or discontinue all or any part of the Site, at any time, and without notice, at our sole discretion.

2. Privacy Policy

Please review our Privacy Policy, which also governs your use of the Site, for information on how we collect, use and share your information.

3. Description of the Interface

• The Interface. The Interface, which is hosted by the Company, is a consumer application that provides a web-based interface through which individuals, who are our users (each, a “User”), can create or join a group and access and manage a self-custodied, multi-signature smart contract vault (a “Vault”) shared by that group’s members to pool funds and collectively decide how to use them — including, without limitation, buying, holding, and selling supported tokenized assets and withdrawing funds — across multiple supported blockchain networks, such as Ethereum, Robinhood Chain, and Polygon. Through the Interface, Users may view balances, transaction history, Vault settings, member permissions, Policy (as defined below) configurations (which govern how a Vault disburses funds), and other relevant account data, establish Vault Policies, and submit, approve, or manage transactions in accordance with the group’s configured Policies and applicable protocol rules.
• User Roles. Each group supports two distinct User roles: (a) “Admins,” who may invite or remove members, configure the group’s multi-signature approval and digital asset transfer policies (“Policies”), and manage group-level settings; and (b) “Members,” who may initiate and interact with transactions and features as permitted by the Policies. Each User is solely responsible for their own conduct and for complying with these Terms.
• Vaults and Transactions. The core functionality of the Interface allows Users to create and operate blockchain-based smart contract vaults that receive and transfer digital assets (“Vaults”) and authorize transactions in accordance with the Policies established by each group’s Admins, such as requiring signatures from multiple blockchain wallet addresses to effectuate transactions and determining specific blockchains and tokens for individual transactions. Transactions initiated through the Interface are executed by smart contracts on the supported blockchain networks. Once submitted and confirmed on-chain, such transactions are generally irreversible and cannot be modified, canceled, or reversed by GroupCash. GroupCash does not approve, reject, or otherwise exercise discretion or control over individual transactions submitted through the Interface.
• Supported Assets and Networks. The Interface may display and support interactions with digital assets across one or more blockchain networks. Supported assets and networks may change at any time and are subject to technical limitations, protocol rules, and applicable restrictions.
• Regional Asset Availability. Certain asset classes available through the Interface — including, without limitation, tokenized equities and prediction-market positions — are not available to persons residing in certain jurisdictions, including the United States, and a group’s available asset classes are determined at creation based on applicable restrictions. You represent that you will not join, as a transacting member, any group whose asset classes are restricted in your jurisdiction, and that you will not use a VPN or other means to circumvent regional availability controls. Read-only (“spectator”) access to a group confers no membership, economic interest, or transacting rights. Unsolicited transfers to a group vault confer no membership or claim.

4. Connecting to the Interface

• Users access the Interface through their email address using a passwordless authentication mechanism. Your email account is managed and secured by your email provider, and the security of your account access is dependent on the security of your email account. GroupCash does not store or control access credentials to your email account.
• Users must connect supported non-custodial digital asset wallet software, passkeys, or similar technologies to interact with a Vault. Your private keys, which control your Vault and on-chain assets, are secured and managed entirely by you. GroupCash does not have custody or control over your private keys, your Vault, or the digital assets held therein, and has no ability to retrieve, recover, or transfer your private keys or assets on your behalf. Loss of your private keys will result in permanent and irrecoverable loss of access to your on-chain assets. You are solely responsible for maintaining the security and backup of your private keys.
• By authenticating your account with your email address or connecting your wallet to our Interface, you agree to be bound by this Agreement and all of the terms incorporated herein by reference. You represent and warrant that you are the exclusive owner and controller of the wallet you use to connect to the Interface. You are responsible for all activities that occur under your account.

5. Identity Verification and Transaction Monitoring

• You agree and acknowledge that we will collect User information in order to use certain features of the Interface. This may include your first and last name and email address. If you are unable to provide any of the requested information, you may be prevented from accessing certain features of the Interface.
• You authorize us to make inquiries, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud or other financial crime, and to act as we reasonably deem necessary based on the results of such inquiries.
• You agree and acknowledge that your blockchain wallet address or associated account identifiers may be screened for regulatory compliance purposes. GroupCash may integrate a blockchain analytics tool for purposes of OFAC screening. This tool may be enabled at any time without prior notice.
• You agree and acknowledge that GroupCash may review any necessary information to comply with applicable law and/or its internal compliance standards, including monitoring on-chain activity associated with your blockchain address. GroupCash may further block certain transactions if we determine in our sole discretion such transactions would violate applicable law or would otherwise not be permitted by these Terms.
• Failure to provide any reasonably requested information pursuant to applicable money laundering and sanctions laws and regulations after you have become a User shall be grounds for the suspension of your account and/or termination of these Terms.

6. Use of the Site / Fees

As a condition to accessing or using the Site, you represent and warrant to GroupCash the following:

• if you are entering into these Terms as an individual, that you are at least 18 years old or of legal age in the jurisdiction in which you reside, have the legal capacity to enter into these Terms and be bound by them, and are not otherwise barred from using the Site under applicable law;
• You are the exclusive beneficial and/or legal owner of any digital asset used or to be used in connection with any transaction initiated on the Site;
• You will comply with all applicable laws when using the Site;
• You are not located in a country that is subject to a U.S. Government embargo, and you are not listed on any U.S. Government list of prohibited, sanctioned, or restricted parties;
• You will not use any software or networking techniques, including use of a Virtual Private Network (VPN), to modify your internet protocol address or otherwise circumvent or attempt to circumvent this prohibition;
• You are not a resident, national, or agent of Iran, North Korea, Syria, Cuba, or the Crimea, Donetsk People's Republic and Luhansk People's Republic regions of Ukraine or any other country to which the United States, the United Kingdom or the European Union embargoes goods or imposes similar sanctions (collectively, “Restricted Territories”);
• You have not been identified as a Specially Designated National or placed on any sanctions lists (collectively, “Sanctions Lists Persons”), and you will not use our Website to conduct any illegal or illicit activity; and
• Your access to the Site is not prohibited by and does not otherwise violate or assist you to violate any applicable law, rule, statute, regulation, order, or other directive (collectively, “Applicable Laws”), and does not contribute to or facilitate any illegal activity.

As a condition to accessing or using the Site, you acknowledge, understand, and agree to the following:

• from time to time, any part of the Site may be inaccessible or inoperable for any reason, including equipment malfunctions, maintenance, causes beyond GroupCash's control, disruptions of underlying blockchain infrastructure, or unavailability of third-party service providers;
• we reserve the right to disable or modify access to any part of the Site at any time in the event of any breach of these Terms, and we will not be liable to you for any losses or damages you may suffer as a result of the Site being inaccessible to you;
• the Site may evolve, which means GroupCash may apply changes, replace, or discontinue (temporarily or permanently) any part of the Site at any time in its sole discretion;
• GroupCash does not act as an agent for you or any other User of the Site;
• you are solely responsible for your use of the Site, including all of your transactions initiated through the Interface;
• to the fullest extent not prohibited by Applicable Law, we owe no fiduciary duties or liabilities to you or any other party, and to the extent any such duties or liabilities may exist at law or in equity, you hereby irrevocably disclaim, waive, and eliminate those duties and liabilities;
• neither we nor any affiliated entity is a party to any transaction on the blockchain networks underlying your Vault; we do not have possession, custody, or control over any digital assets;
• all transactions on supported blockchain networks are executed by smart contracts; by engaging in transactions using the Interface, you acknowledge and consent to the automatic processing of all such transactions;
• you bear sole responsibility for evaluating the Interface before using it, and all transactions on the blockchain are irreversible, final, and without refunds;
• you are solely responsible for reporting and paying any taxes applicable to your use of the Site; and
• we have no control over, or liability for, the delivery, quality, safety, legality, or any other aspect of any digital assets that you may transfer to or from a third party.

Fees. GroupCash currently does not charge a fee to use the Interface. GroupCash reserves the right to introduce fees — including a transaction fee on certain transactions processed through the Interface — at any time in its sole discretion, with or without notice. Where practicable, any applicable GroupCash fee will be displayed to you before you incur it. Continued use of the Interface following any fee change constitutes acceptance of the updated fees. Separately, in connection with your use of the Site, you may be required to pay all fees necessary for interacting with blockchain networks, including “gas” fees or other network transaction fees. Network transaction fees change, often unpredictably, and their price is entirely outside of the control of GroupCash. You acknowledge and agree that gas fees are non-refundable under all circumstances.

7. No Professional Advice or Fiduciary Duties

All information provided in connection with your access and use of the Site is for informational purposes only and should not be construed as professional advice. You should not take, or refrain from taking, any action based on any information contained on the Site. Before you make any financial, legal, or other decisions involving the Site, you should seek independent professional advice from an individual who is licensed and qualified in the appropriate area. These Terms are not intended to, and do not, create or impose any fiduciary duties on us.

8. Prohibited Activity

You may not use the Site to engage in the categories of activity set forth below (“Prohibited Uses”). The specific activities set forth below are representative, but not exhaustive. If you are uncertain as to whether your use of the Site involves a Prohibited Use, please contact us at contact@getcofund.com. By using the Site, you confirm that you will not use the Site to:

• violate any Applicable Laws, including any relevant anti-money laundering and anti-terrorist financing laws and sanctions programs of any jurisdiction;
• infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right, including the intellectual property, name, or logo of GroupCash, or imply an untrue endorsement by or affiliation with GroupCash;
• interfere with, disrupt, negatively affect, or inhibit other Users from fully enjoying the Site, or damage, disable, overburden, or impair the functioning of the Site;
• circumvent any content-filtering techniques, security measures or access controls that GroupCash employs on the Site, including through the use of a VPN;
• use any robot, spider, crawler, scraper, or other automated means not provided by us to access the Site or extract data, or introduce any malware or other harmful material into the Site;
• provide false, inaccurate, or misleading information or engage in activity that operates to defraud GroupCash, other Users, or any other person;
• transmit or exchange digital assets that are the direct or indirect proceeds of any criminal or fraudulent activity;
• use the Site in any way that is libelous, defamatory, obscene, harassing, hateful, threatening, discriminatory, or otherwise objectionable;
• use the Site from a jurisdiction that we have determined is one where use of the Site is prohibited;
• harass, abuse, or harm another person or entity, including GroupCash's employees and service providers;
• impersonate another User or otherwise misrepresent yourself; or
• encourage, induce, or assist any third party to engage in any of the activities prohibited under this Section 8.

9. Proprietary Rights

• Subject to these Terms, GroupCash grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Site for your own personal, non-commercial use.
• The rights granted to you are subject to restrictions: you shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site; you shall not modify, decipher, disassemble, reverse compile or reverse engineer any part of the Site; you shall not access the Site to build a similar or competitive product; you shall not frame, mirror, scrape, or systematically download Site content without GroupCash's express prior written consent.
• GroupCash reserves the right, at any time, to modify, suspend, or discontinue the Site (in whole or in part) with or without notice to you.
• You acknowledge that all intellectual property rights in the Site and its content are owned by GroupCash. These Terms do not transfer to you any rights, title, or interest in such intellectual property except for the limited access rights expressly set forth herein.
• We appreciate feedback, comments, ideas, and suggestions (“Feedback”). If you choose to submit Feedback, you agree that we are free to use it without any restriction or compensation to you.

10. Third-Party Links

The Website may provide links to other sites, applications, or resources. You acknowledge and agree that GroupCash is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, products, or materials on or available from such sites or resources.

11. Modification, Suspension, and Termination

• We may, at our sole discretion, from time to time and with or without prior notice to you, modify, suspend, or disable (temporarily or permanently) the Site, or your account, in whole or in part, for any reason whatsoever.
• You acknowledge and agree that GroupCash will have no obligation to provide you with any support or maintenance in connection with the Site.
• Upon termination of your access, your right to use the Site will immediately cease. We will not be liable for any losses suffered by you resulting from any modification, suspension, or termination of your access.
• The following sections of these Terms will survive any termination of your access to the Site: Sections 7 through 20.

12. Accuracy of Information

We attempt to ensure that the information we provide on the Site is complete, accurate and current. Despite our efforts, the information on the Site may occasionally be inaccurate, incomplete, or out of date. We make no representation as to the completeness, accuracy, or correctness of any information on the Site.

13. Risks

By accessing or using the Site in any way, you represent and warrant that:

• You understand the inherent risks associated with cryptographic systems, blockchain-based networks, and digital assets, including the risk of hardware, software, and Internet connection issues, the risk of malicious software, and the risk that third parties may obtain unauthorized access to information stored within your digital wallet.
• You acknowledge and agree that GroupCash is not responsible for the operation of the software and networks underlying the Site, that there exists no guarantee of the functionality, security, or availability of that software and networks, and that the underlying networks are subject to sudden changes in operating rules (“forks”).
• You understand the App does not store, send, or receive digital assets. Any transfer of digital assets occurs within the supporting blockchain and not on the Site.
• You understand blockchain networks use public/private key cryptography. You alone are responsible for securing your private key(s). Losing control of your private key(s) will permanently and irreversibly deny you access to digital assets. Neither GroupCash nor any other person will be able to retrieve or protect your digital assets in the event your private keys are lost or compromised.
• You understand the Site and your digital assets could be impacted by regulatory inquiries or actions, which could impede or limit your ability to access or use the Site.
• You acknowledge that the prices and liquidity of digital assets are extremely volatile, and the cost of transacting on blockchain networks is variable and may increase at any time.
• You acknowledge that the Site is subject to flaws and that you are solely responsible for evaluating any code provided by the Site.
• You understand blockchain-based transactions are irreversible, final, and there are no refunds. Losses due to fraudulent or accidental transactions may not be recoverable. You acknowledge and agree that you will access and use the Site at your own risk and are solely responsible for making your independent appraisal of the risks of a given transaction and the underlying digital assets.
• You hereby acknowledge and agree that GroupCash will have no responsibility or liability for the risks set forth in this Section 13, and you hereby irrevocably waive, release, and discharge all claims, whether known or unknown to you, against GroupCash and its affiliates related to any of these risks.

14. Personal Data

You consent to us accessing, processing, and retaining any Personal Data you provide to us when accessing our Site. This consent is not related to, and does not affect, any rights or obligations we or you have in accordance with data protection laws. You can withdraw your consent at any time by closing your account with us; however, we may retain and continue to process your Personal Data for other purposes as described in our Privacy Policy.

15. Indemnification

You will defend, indemnify, and hold harmless GroupCash, its affiliates, and their respective stockholders, members, directors, officers, managers, employees, attorneys, agents, representatives, suppliers, and contractors (collectively, “Indemnified Parties”) from any claim, demand, lawsuit, action, proceeding, investigation, liability, damage, loss, cost or expense, including reasonable attorneys’ fees, arising out of or relating to (a) your use of, or conduct in connection with, the Site; (b) digital assets associated with your blockchain network address or Vault; (c) any Feedback or user content you provide; (d) your violation of these Terms; or (e) your infringement or misappropriation of the rights of any other person or entity.

16. Disclosures; Disclaimers

The disclaimer of implied warranties contained herein may not apply if and to the extent such warranties cannot be excluded or limited under the Applicable Law of the jurisdiction in which you reside.

The Site is provided on an “as-is” and “as available” basis, and GroupCash (and our suppliers) expressly disclaim any and all warranties and conditions of any kind, whether express, implied, or statutory, including all warranties or conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement. We (and our suppliers) make no warranty that the Site will meet your requirements, will be available on an uninterrupted, timely, secure, or error-free basis, or will be accurate, reliable, free of viruses or other harmful code, complete, legal, or safe.

GroupCash does not endorse any third party and shall not be responsible in any way for any transactions you enter into with other Users. You agree that GroupCash will not be liable for any loss or damages of any sort incurred as the result of any interactions between you and other Users.

17. Limitation of Liability

To the maximum extent permitted by law, neither GroupCash nor its service providers involved in creating, producing, or delivering the Services will be liable for any incidental, special, exemplary, or consequential damages, or damages for lost profits, lost revenues, lost savings, lost business opportunity, loss of data or goodwill, service interruption, computer damage or system failure, or the cost of substitute services arising out of or in connection with these Terms or from the use of or inability to use the Services, whether based on warranty, contract, tort (including negligence), product liability, or any other legal theory.

To the maximum extent permitted by law, in no event will the aggregate total liability of GroupCash and its agents, representatives, and affiliates arising out of or in connection with these Terms, or from the use of or inability to use the Services, exceed the amounts you have paid or are payable by you to GroupCash for use of the Services or one hundred U.S. dollars ($100), if you have not had any payment obligations to GroupCash, as applicable.

18. Dispute Resolution & Arbitration

Please read this Arbitration Agreement carefully. It is part of your contract with GroupCash and affects your rights. It contains procedures for mandatory binding arbitration and a class action waiver.

• Applicability. All claims and disputes (excluding claims for injunctive or other equitable relief) between GroupCash and any User that cannot be resolved informally or in small claims court shall be resolved solely by binding arbitration on an individual basis, and not in a class, representative, or consolidated proceeding.
• Notice and Informal Resolution. Before either party may seek arbitration, the party must first send a written Notice of Dispute describing the nature and basis of the claim and the requested relief. Neither party may start a formal arbitration proceeding for at least sixty (60) days after notice.
• Arbitration Rules. Arbitration shall be initiated through the American Arbitration Association (“AAA”) under the AAA Consumer Arbitration Rules, conducted by a single, neutral arbitrator. Any hearing will be held within 100 miles of your residence unless you reside outside of the United States or the parties agree otherwise.
• Waiver of Jury Trial. The parties hereby waive their constitutional and statutory rights to go to court and have a trial in front of a judge or jury, instead electing that all claims and disputes shall be resolved by arbitration under this Arbitration Agreement.
• Waiver of Class or Consolidated Actions. All claims and disputes within the scope of this Arbitration Agreement must be arbitrated or litigated on an individual basis and not on a class basis, and claims of more than one User cannot be arbitrated or litigated jointly or consolidated with those of any other User.
• Small Claims; Emergency Relief. Notwithstanding the foregoing, either party may bring an individual action in small claims court, and either party may seek emergency equitable relief before a state or federal court to maintain the status quo pending arbitration.
• Courts. In any circumstances where the foregoing permits the parties to litigate in court, the parties agree to submit to the personal jurisdiction of the courts located within Wilmington, Delaware.
• This Arbitration Agreement will survive the termination of your relationship with GroupCash.

19. Governing Law

The interpretation and enforcement of these Terms, and any dispute related to these Terms or the Site, will be governed by and construed and enforced under the laws of the State of Florida, without regard to conflict of law rules or principles. For any proceeding that is not subject to arbitration under these Terms, the courts located in Florida will have exclusive jurisdiction, and you waive any objection to venue in such courts.

20. General Information

• These Terms are subject to occasional revision. If we make any substantial changes, we may notify you by email and/or by prominently posting notice of the changes on our Website. Any changes will be effective one (1) day following the earlier of our dispatch of an email notice to you or our posting of notice on our Website. Continued use of our Site following notice of such changes indicates your agreement to be bound by them.
• You consent to receive all communications, agreements, documents, receipts, notices, and disclosures electronically. You may contact us with questions, complaints, or claims concerning the Site at contact@getcofund.com.
• The invalidity or unenforceability of any of these Terms shall not affect the validity or enforceability of any other of these Terms, all of which shall remain in full force and effect.
• We will have no responsibility or liability for any failure or delay in performance of the Site due to any circumstance or event beyond our control.
• You may not assign or transfer any right to use the Site, or any of your rights or obligations under these Terms, without our express prior written consent. We may assign or transfer any or all of our rights or obligations without notice or obtaining your consent.
• These Terms contain the entire agreement between you and GroupCash and supersede all prior and contemporaneous understandings regarding the Site.

For any questions, comments, or Feedback, you may contact us at contact@getcofund.com.