Terms of Service

2. Eligibility and Capacity

To access or use the Services, you must: (a) be at least thirteen (13) years of age; (b) possess the legal capacity to form a binding contract under the laws of your jurisdiction; and (c) not be barred from receiving the Services under applicable law. If you are accessing or using the Services on behalf of a legal entity (including a corporation, limited liability company, or partnership), you represent and warrant that you have full authority to bind such entity to this Agreement, and references to you shall include such entity. Minors between the ages of 13 and the age of majority in their jurisdiction may only use the Services with the express consent and active supervision of a parent or legal guardian who assumes full responsibility and liability for such minor's use. Liventix reserves the right to verify eligibility and to terminate or restrict access where eligibility requirements are not met.

3. Account Registration and Security

Access to certain features of the Services requires the creation of an account. By registering, you represent and warrant that:

• All registration information you submit is accurate, current, complete, and not misleading;
• You will promptly update such information as necessary to keep it accurate, current, and complete;
• You will not register or attempt to register on behalf of another person without authorization;
• You will not create more than one (1) account per individual or legal entity without Liventix's prior written consent; and
• You are not a person or entity barred from receiving services under applicable law, including sanctions regimes administered by OFAC or equivalent authorities.

You are solely responsible for maintaining the confidentiality of your account credentials, including your password and any multi-factor authentication devices. You accept full responsibility and liability for all activity occurring under your account, whether or not authorized by you. You must notify Liventix immediately at security@liventix.app upon becoming aware of any unauthorized access to or use of your account. Liventix shall not be liable for any loss or damage arising from your failure to maintain the security of your credentials.

4. Permitted Use; Prohibited Conduct

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Services strictly in accordance with this Agreement and for lawful purposes only. You expressly agree not to:

• Violate any applicable federal, state, local, or international law or regulation, including those governing consumer protection, data privacy, financial services, anti-money laundering, counter-terrorism financing, or export controls;
• Infringe upon, misappropriate, or violate the intellectual property, privacy, publicity, or proprietary rights of Liventix or any third party;
• Post, transmit, or otherwise make available content that is unlawful, harmful, threatening, abusive, harassing, defamatory, fraudulent, deceptive, obscene, hateful, or otherwise objectionable;
• Engage in unauthorized scraping, crawling, harvesting, or data extraction from the Services by automated means;
• Introduce malware, viruses, Trojan horses, ransomware, or any other malicious or harmful code into the Services;
• Attempt to gain unauthorized access to any portion of the Services, Liventix's systems or networks, or the accounts of other users;
• Interfere with, disrupt, or overburden the Services, servers, networks, or infrastructure, including by conducting denial-of-service attacks;
• Use the Services to transmit unsolicited commercial messages (spam), chain letters, or pyramid schemes;
• Impersonate any person or entity or falsely represent your affiliation with any person or entity;
• Circumvent, disable, or interfere with security-related features of the Services or features that restrict or limit the use or copying of content;
• Resell, sublicense, or otherwise commercialize access to or use of the Services without Liventix's prior written consent; or
• Use the Services in any manner that competes with Liventix or that is designed to reverse-engineer Liventix's proprietary technology.

Liventix reserves the right, in its sole and absolute discretion, to investigate suspected violations of this Section and to take any remedial action it deems appropriate, including without limitation: suspending or terminating your account, reporting suspected illegal activity to law enforcement or regulatory authorities, and pursuing all available legal remedies.

5. Event Listings, Ticketing, and Operator Obligations

Liventix operates as a marketplace platform and technology provider and is not the organizer, promoter, or host of any event listed on the Services, unless expressly designated as such. Each Operator is solely and exclusively responsible for:

• The accuracy, completeness, and legality of all event listings, including event descriptions, dates, locations, ticket pricing, capacity, age restrictions, and refund policies;
• Obtaining all necessary permits, licenses, authorizations, and approvals required by applicable law and venue requirements;
• Maintaining adequate insurance coverage for each event, including general liability coverage in amounts reasonably sufficient to cover potential claims;
• Ensuring compliance with all applicable health, safety, fire, building, accessibility, and crowd-management regulations;
• Delivering the event as described in the listing, or providing adequate notice and remediation (including refunds) in the event of cancellation, postponement, or material modification;
• Collecting and remitting all applicable taxes, including sales tax, value-added tax (VAT), goods and services tax (GST), and any other taxes or governmental charges attributable to ticket sales and event revenues; and
• Complying with all applicable consumer protection and advertising laws, including prohibitions on false or deceptive statements regarding events.

Liventix does not guarantee the accuracy of event listings, the occurrence of any event, the quality or safety of any event, or the legality of events listed on the Services. Attendees acknowledge that ticket purchases are subject to the applicable Operator's terms, refund policies, and event-specific rules. Liventix shall have no liability for Operator's failure to comply with applicable law or to deliver an event as described.

6. Payment Processing and Financial Terms

All financial transactions conducted through the Services are processed by PayPal, Inc. (PayPal) and, where applicable, other third-party payment processors engaged by Liventix (collectively, Payment Processors). By initiating a transaction through the Services, you agree to be bound by PayPal's User Agreement and Privacy Policy in addition to this Agreement. Liventix is not a bank, money services business, or financial institution.

Authorization: By initiating any transaction, you irrevocably authorize Liventix and its Payment Processors to charge your designated payment method for all amounts due, including the ticket face value, applicable platform service fees, payment processing fees, taxes, and any other charges disclosed at checkout. You represent that you are authorized to use the payment method presented and that the information you provide is accurate, complete, and current.

Platform Service Fees: Liventix charges Operators and/or attendees service fees in connection with ticket sales, payout processing, and other platform features. Specific fee schedules are disclosed to Operators during account setup and event creation, and to attendees at checkout. Platform service fees are non-refundable except as expressly provided herein or as required by applicable law. Liventix reserves the right to modify its fee structure upon notice to Operators through the Services or by direct communication.

Taxes: You are responsible for all taxes applicable to your transactions. Where Liventix is required by law to collect, remit, or report taxes on your behalf, it reserves the right to do so, and the applicable tax amounts will be reflected in your transaction records. Operators who are subject to VAT, GST, or other indirect taxes are responsible for configuring their event pricing and tax settings accordingly and for fulfilling their own independent tax reporting and remittance obligations.

Chargebacks and Disputes: Prior to initiating any chargeback, dispute, reversal, or claim with your issuing financial institution or Payment Processor, you are required to contact Liventix at support@liventix.app to seek resolution through our internal dispute process. If you initiate a chargeback or payment dispute without first contacting us, Liventix reserves the right to: (i) suspend or terminate your account; (ii) offset the disputed amount against any funds held by Liventix attributable to you; (iii) refer the matter to a collections agency; and (iv) pursue all available legal remedies to recover amounts owed, including court costs and attorneys' fees.

7. Operator Payouts, Reserve Requirements, and Financial Obligations

PayPal Payouts: Operators who wish to receive payouts from ticket sales must establish and maintain a valid PayPal business account in accordance with PayPal's requirements. By connecting a PayPal account, Operators agree to PayPal's User Agreement and any applicable PayPal Commerce Platform terms. Liventix shall have no liability for payment delays, failures, or losses attributable to PayPal or any other third-party payment processor.

Payout Eligibility and Timing: Payout eligibility, scheduling, and amounts are determined by Liventix in its sole discretion, taking into account: (a) account tenure and transaction history; (b) credit and financial risk assessments conducted through Liventix's payout tier system (described below); (c) event completion status; (d) outstanding refund and chargeback obligations; (e) compliance with this Agreement and all applicable policies; and (f) applicable regulatory requirements. Standard automatic payouts are processed via nightly batch after the applicable post-event hold period has elapsed. Liventix does not guarantee any specific payout date and processing may be delayed due to compliance reviews, dispute holds, or other risk factors.

Post-Event Hold Period: All ticket sale proceeds are subject to a mandatory hold period of forty-eight (48) hours following the conclusion of the event (as defined by the event end time listed on the Platform, or forty-eight (48) hours from the time of purchase if no end time is specified). Funds become eligible for automatic disbursement via Liventix's nightly payout batch once this hold period has elapsed and all applicable conditions are satisfied. This hold period exists to allow for the resolution of refund requests, chargebacks, and other post-event obligations.

Reserve Holds: In addition to the post-event hold, Liventix maintains a ninety (90) day post-event reserve on a portion of Operator proceeds to mitigate financial risk associated with: potential refunds, chargebacks, fraud, account closure, disputed transactions, and regulatory requirements. Reserve amounts and hold durations are determined by Liventix in its sole discretion and may be adjusted at any time based on changes in risk profile. Operators will be notified of material adjustments where practicable and hereby acknowledge and consent to reserve holds as a condition of using the Operator features of the Services.

Payout Tier System: Liventix maintains an automated payout credit scoring system that assigns each Operator a payout tier (Bronze, Silver, Gold, or Platinum) based on factors including: sales volume and history, refund and dispute rates, payout success rates, and account tenure. This tier determines the scope of payout features available to the Operator. All Operators begin at Bronze tier, which provides access to standard post-event automatic payouts only. Operators who achieve Silver tier or above (subject to meeting applicable score and confidence thresholds as determined by Liventix) may be eligible to request early release of pre-event proceeds via the manual payout request feature. Tier assessments are recalculated periodically based on updated account data. Liventix reserves the right to modify the tier system, thresholds, and associated features at any time.

Pre-Event Payouts: Operators who have achieved Silver tier or above may submit requests for early release of ticket sale proceeds prior to the event date, subject to Liventix's approval and the availability of eligible funds. Pre-event payouts are subject to enhanced reserve requirements and may be reversed, clawed back, or recouped by Liventix if: (i) the event is cancelled, materially modified, or fails to occur as listed; (ii) chargeback or fraud rates exceed established thresholds; or (iii) Liventix otherwise determines, in its reasonable discretion, that a reversal is necessary to protect the financial integrity of the platform or attendees. Operators expressly agree to repay any pre-event payout amounts that are subject to reversal or clawback, and authorise Liventix to offset such amounts against any current or future balances or payouts. Bronze tier Operators are not eligible for pre-event payout requests.

Manual Payout Requests: Eligible Operators may submit manual payout requests through the Earnings section of the Platform. Manual requests are processed via Liventix's nightly payout batch, which runs daily at approximately 01:45 UTC. Submission of a request does not guarantee same-night processing; requests are subject to disbursement availability, tier eligibility, and Liventix's risk review. Liventix does not guarantee the timing or availability of manual payouts and may decline or defer requests at any time.

Financial Obligations and Recoupment: Operators are jointly and severally responsible for all financial obligations arising from their events, including without limitation: refunds, chargebacks, dispute fees, payment processor fees, platform service fees, and any penalties assessed by Liventix or its Payment Processors. If an Operator's account balance is insufficient to satisfy outstanding obligations, Liventix may, without prior notice: (i) withhold all current and future payouts until the deficit is resolved; (ii) charge the Operator's payment method of record for the outstanding balance; (iii) engage third-party collection agencies; and (iv) initiate legal proceedings to recover amounts owed, including reasonable attorneys' fees and court costs.

Chargeback Liability: Operators bear full financial responsibility for all chargebacks and payment disputes attributable to their events. Upon the occurrence of a chargeback, Liventix may immediately deduct the chargeback amount, together with applicable dispute processing fees and any consequential costs, from the Operator's account balance, reserve, or future payouts. Persistent or elevated chargeback rates may result in increased reserve requirements, payout restrictions, account suspension, or termination.

Paid Ticket Tier Eligibility: The ability to create, publish, and sell paid ticket tiers is a privileged feature that requires Operators to satisfy two independent conditions before activation: (i) completion of PayPal business account onboarding, including identity verification and the enabling of payments on the connected account as determined by PayPal; and (ii) enabling of two-factor authentication (2FA) on the Operator's individual Liventix account. These requirements apply to each individual team member seeking to create or publish paid ticket tiers, regardless of the verification status of other members within the same organization. Operators who have not satisfied both conditions may still create events and offer free or RSVP-only ticket tiers without restriction. Liventix reserves the right to modify these eligibility conditions at any time with reasonable notice.

Free and RSVP Events: Operators may create events, publish event listings, and offer free or RSVP-only ticket tiers without completing PayPal onboarding or enabling two-factor authentication. No payment processing, payout, or financial verification is required to host free events on the platform. Liventix retains the right to apply moderation controls, abuse detection, and account restrictions to free events where conduct violates these Terms, platform policies, or applicable law, notwithstanding the absence of financial transactions.

8. Intellectual Property Rights

Liventix Intellectual Property: The Services and all content, technology, software, source code, designs, graphics, user interfaces, and functionality comprising or forming part of the Services are the exclusive property of RMJ FINTECH LTD or its licensors and are protected by applicable copyright, trademark, patent, trade secret, and other intellectual property laws. No rights in or to Liventix's intellectual property are granted to you except as expressly set forth in this Agreement. All rights not expressly granted herein are reserved by Liventix.

User Content License: You retain all ownership rights in and to content you create and post on or through the Services (User Content). By posting, uploading, or otherwise making User Content available through the Services, you hereby grant to Liventix a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, fully sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, display, and perform such User Content, in whole or in part, in any media or format now known or hereafter developed, in connection with the operation, promotion, and improvement of the Services and Liventix's business. You represent and warrant that you have all rights necessary to grant this license and that your User Content does not infringe the rights of any third party. This license survives any termination of your account or this Agreement, except to the extent required by law.

DMCA / Takedown Procedure: Liventix respects the intellectual property rights of others. If you believe that content made available through the Services infringes your copyright, please submit a written notification to legal@liventix.app that includes: (i) identification of the copyrighted work claimed to be infringed; (ii) identification of the allegedly infringing material and its location on the Services; (iii) your contact information; (iv) a statement that you have a good faith belief that the use is not authorized; and (v) a statement, made under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner.

Trademark: "Liventix," the Liventix logo, and all associated product and service names, design marks, and slogans are trademarks or registered trademarks of RMJ FINTECH LTD. You may not use any Liventix trademark without our prior written consent. Any goodwill arising from use of Liventix's trademarks inures solely to the benefit of Liventix.

9. Sponsorship Marketplace

Liventix operates a sponsorship marketplace that enables event organizers (Operators) to publish sponsorship packages and enables brands and businesses (Sponsors) to purchase those packages. The following terms apply to all sponsorship transactions:

• Platform Fee. Liventix charges a 10% platform fee on each sponsorship transaction, applied to the package face price and borne by the Sponsor. The Operator receives 100% of the package price they set; the platform fee is charged on top and retained by Liventix. This fee is shown to the Sponsor at checkout before payment is confirmed.
• Escrow. Sponsorship payments are held in escrow by Liventix via PayPal and are not disbursed to Operators until delivery of the agreed sponsorship benefits has been confirmed by the Sponsor or auto-released pursuant to these Terms.
• Operator Obligations. Operators who accept a sponsorship deal must deliver all promised benefits and submit proof of delivery within 14 days of the event end date. Failure to submit delivery proofs within this period may result in automatic refund of the sponsorship payment to the Sponsor.
• Sponsor Approval. Sponsors have 7 days from the date the Operator submits delivery proofs to approve or request changes. If the Sponsor does not respond within 7 days, funds are automatically released to the Operator.
• Refunds. If an Operator declines a deal, funds are refunded in full to the Sponsor including the platform fee. If an Operator fails to deliver, funds are refunded in full. Once funds are released to the Operator following Sponsor approval or auto-release, no refund is available except where required by applicable law.
• Content Standards. All sponsored content must be accurate and not deceptive, comply with applicable advertising regulations (including FTC guidelines), and not violate Liventix's Community Guidelines. Liventix may remove any content that violates these standards.
• No Performance Guarantee. Liventix makes no representations or warranties regarding the audience reach, engagement, or return on investment of any sponsorship package.

9A. In-App Advertising (Campaign Ads)

Operators may purchase ad credits to run promotional campaigns that display their events as in-feed advertisements to Liventix users (Campaign Ads). The following terms apply:

• Credits. Ad credits are purchased via PayPal at a rate of 1 credit = $1 USD. Credits are non-refundable once consumed by ad delivery, except in the case of platform error. Unused credits remain in your organisation wallet and do not expire unless your account is terminated.
• Pricing. The current base rate is $0.75 per 1,000 impressions (CPM). Liventix reserves the right to adjust this rate with 14 days' notice. Campaigns created before any rate change will not be retroactively affected while their original budget is active.
• Ad Content. All campaign creative must comply with applicable advertising law and Liventix's Community Guidelines. Liventix reserves the right to pause or remove campaigns that violate content standards without prior notice.
• Delivery. Liventix will make reasonable efforts to deliver impressions consistent with your campaign budget and pacing settings but does not guarantee a specific number of impressions, clicks, or conversions.
• Wallet Suspension. If your organisation wallet is frozen due to billing disputes or fraudulent activity, all active campaigns will be paused until the matter is resolved.

10. API Access and Developer Use

Access to Liventix's APIs or embed widgets (collectively, Developer Tools) is subject to this Agreement and any supplemental API terms or developer agreements published by Liventix. By accessing Developer Tools, you agree to use them only for the purposes expressly permitted by Liventix, and you must not: (a) exceed API rate limits; (b) use the API to build competing services; (c) resell or sublicense API access; or (d) use the API in a manner that degrades platform performance or compromises data security. Liventix may suspend or revoke API access at any time, with or without notice, for any violation of applicable terms.

11. Privacy and Data Protection

Liventix's collection, use, disclosure, and handling of personal information is governed by our Privacy Policy, which is incorporated into this Agreement by reference. By using the Services, you acknowledge and consent to the data practices described in the Privacy Policy. Operators who process personal data in connection with the Services are independently responsible for compliance with applicable data protection laws, including the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and any other applicable privacy legislation.

12. Third-Party Services and Links

The Services may contain links to, or integrate with, third-party websites, applications, or services (including PayPal, Mapbox, Mux, and others). Such third-party services are governed by their own terms of service and privacy policies, and Liventix disclaims all liability for the content, functionality, availability, and data practices of third-party services. Your use of third-party services is at your own risk.

13. Termination of Account and Services

Termination by You: You may terminate this Agreement and your account at any time by navigating to Profile → More (⋮) → Settings → "Danger Zone" → "Delete Account" and completing the account deletion process. Account deletion is permanent and irreversible. Upon deletion, all personal data associated with your account will be permanently purged from Liventix's systems, except for: (i) anonymized transaction records retained for legal, financial, and tax compliance purposes; and (ii) any data Liventix is required to retain under applicable law. Pre-existing financial obligations (including outstanding chargebacks or refund liabilities) survive account deletion and remain enforceable.

Termination by Liventix: Liventix reserves the right to suspend, restrict, or permanently terminate your account and access to all or any portion of the Services, at any time, with or without cause and with or without notice, including for: (i) violation of this Agreement or any applicable policy; (ii) suspected fraud, illegal activity, or financial risk; (iii) failure to pay amounts owed; (iv) regulatory or compliance requirements; or (v) any other reason Liventix deems sufficient in its sole discretion. Upon termination, your license to use the Services immediately and automatically ceases, and Liventix may delete your account and associated content without liability.

Effect of Termination: Sections of this Agreement that by their nature should survive termination shall survive, including without limitation: Sections 7 (Operator Payouts and Financial Obligations), 8 (Intellectual Property Rights), 13 (Termination), 14 (Disclaimers), 15 (Limitation of Liability), 16 (Indemnification), 17 (Dispute Resolution and Arbitration), and 18 (General Provisions).

14. Disclaimers of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION: (A) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; (B) WARRANTIES THAT THE SERVICES WILL BE AVAILABLE, UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT OR INFORMATION PROVIDED THROUGH THE SERVICES; OR (D) WARRANTIES THAT DEFECTS OR ERRORS WILL BE CORRECTED.

LIVENTIX DOES NOT WARRANT OR REPRESENT THAT THE SERVICES ARE FREE OF VIRUSES, MALICIOUS CODE, OR OTHER HARMFUL COMPONENTS. LIVENTIX DOES NOT ENDORSE ANY EVENT, ORGANIZER, VENUE, SPONSOR, OR OTHER THIRD-PARTY CONTENT LISTED ON THE SERVICES. YOU USE THE SERVICES AND ATTEND EVENTS ENTIRELY AT YOUR OWN RISK.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LIVENTIX, RMJ FINTECH LTD, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO: LOSS OF PROFITS OR REVENUES; LOSS OF DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES; COST OF SUBSTITUTE GOODS OR SERVICES; PERSONAL INJURY OR PROPERTY DAMAGE; OR ANY OTHER DAMAGES ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICES, EVEN IF LIVENTIX HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Aggregate Liability Cap: Notwithstanding any other provision of this Agreement, and to the maximum extent permitted by applicable law, Liventix's total aggregate liability to you for all claims, losses, and causes of action, whether arising in contract, tort (including negligence), strict liability, or otherwise, shall not exceed the greater of: (a) the total amounts paid by you to Liventix in the twelve (12) calendar months immediately preceding the event giving rise to the claim; or (b) one hundred United States dollars (USD $100). This limitation is cumulative and not per-incident.

Event-Related Liability: Liventix acts solely as a technology platform and intermediary between Operators and attendees. Liventix has no control over and expressly disclaims all liability for: the safety, quality, content, or legality of events; the acts or omissions of Operators, venues, or attendees; personal injury or property damage occurring at or in connection with events; and the failure of any event to occur as listed.

Certain jurisdictions do not permit the exclusion or limitation of certain warranties or liabilities, and nothing in this Section limits or excludes any liability that cannot be limited or excluded under mandatory applicable law.

16. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Liventix, RMJ FINTECH LTD, and their respective officers, directors, managers, members, employees, agents, contractors, affiliates, successors, and assigns (collectively, the Liventix Parties) from and against any and all claims, demands, actions, losses, damages, liabilities, judgments, fines, penalties, costs, and expenses (including reasonable attorneys' fees and litigation costs) arising out of or related to:

• Your access to or use of the Services, or your violation of this Agreement or any applicable law or regulation;
• Your User Content, event listings, or other materials submitted to or made available through the Services;
• Your violation of the intellectual property, privacy, publicity, or other proprietary rights of any third party;
• Chargebacks, payment disputes, refund claims, or financial obligations arising from your events or transactions;
• Personal injury, property damage, or other harm occurring at or arising from your events; or
• Your failure to comply with applicable tax, regulatory, or licensing requirements.

Liventix reserves the right, at its sole option and expense, to assume exclusive control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate fully with Liventix in asserting any available defenses. This indemnification obligation is independent of, and in addition to, any other remedies available to Liventix and shall survive the termination of your account and this Agreement.

17. Dispute Resolution; Binding Arbitration; Class Action Waiver

Informal Resolution: The parties agree to attempt to resolve any dispute, claim, or controversy arising out of or relating to this Agreement or the Services (each, aDispute) informally before resorting to arbitration. Either party must send written notice of the Dispute to the other party, describing it in reasonable detail. The parties shall have thirty (30) days from the date of such notice to attempt to resolve the Dispute informally. If the Dispute is not resolved within that period, either party may initiate binding arbitration as set forth below.

Binding Arbitration: EXCEPT AS EXPRESSLY PROVIDED HEREIN, ALL DISPUTES SHALL BE RESOLVED EXCLUSIVELY BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (AAA) UNDER ITS CONSUMER ARBITRATION RULES OR COMMERCIAL ARBITRATION RULES (AS APPLICABLE), AS AMENDED BY THIS AGREEMENT. Arbitration shall be conducted in English before a single arbitrator, and the seat of arbitration shall be Philadelphia, Pennsylvania, United States, unless otherwise agreed in writing by the parties. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The arbitrator shall have authority to award the same individual remedies as a court, subject to the limitations in Section 15 of this Agreement.

CLASS ACTION WAIVER: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND LIVENTIX EACH WAIVE ANY RIGHT TO PURSUE ANY DISPUTE ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS, OR TO CONSOLIDATE YOUR ARBITRATION WITH THAT OF ANY OTHER PERSON OR ENTITY. THE ARBITRATOR MAY NOT PRESIDE OVER ANY CLASS OR REPRESENTATIVE PROCEEDING. IF A COURT OF COMPETENT JURISDICTION DETERMINES THAT THIS CLASS ACTION WAIVER IS UNENFORCEABLE WITH RESPECT TO A PARTICULAR CLAIM, SUCH CLAIM SHALL BE SEVERED FROM THE ARBITRATION AND RESOLVED BY A COURT OF COMPETENT JURISDICTION.

Exceptions: Either party may seek: (i) emergency or interim injunctive or equitable relief from a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration; or (ii) resolution of claims within the jurisdiction of a small claims court. Nothing in this Section prevents Liventix from pursuing collection actions through applicable legal channels.

Opt-Out Right: You may opt out of this arbitration agreement by sending written notice to legal@liventix.app within thirty (30) days of first accepting this Agreement. Your opt-out notice must include your full name, address, and a statement that you are opting out of arbitration. Opting out does not affect any other provision of this Agreement.

18. Governing Law and Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, United States, without regard to its conflict-of-law principles. To the extent that any Dispute is not subject to arbitration under Section 17, the parties irrevocably consent to the exclusive personal jurisdiction and venue of the state and federal courts located in Philadelphia County, Pennsylvania, United States. The United Nations Convention on Contracts for the International Sale of Goods is expressly excluded from and shall not apply to this Agreement.

19. Force Majeure

Neither party shall be liable to the other for any delay in or failure of performance resulting from causes beyond that party's reasonable control, including without limitation: acts of God, natural disasters, epidemics or pandemics, acts of government or regulatory bodies, wars, terrorism, civil unrest, power or telecommunications outages, or failures of third-party service providers. The affected party shall promptly notify the other party of the force majeure event and shall use commercially reasonable efforts to resume performance as soon as practicable. This provision does not excuse payment obligations that accrued prior to the force majeure event.

20. General Provisions

Entire Agreement: This Agreement, together with the Privacy Policy, Community Guidelines, Refund Policy, and any supplemental policies or agreements incorporated herein by reference, constitutes the entire agreement between you and Liventix with respect to the subject matter hereof and supersedes all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral.

Severability: If any provision of this Agreement is determined by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable, and the validity, legality, and enforceability of the remaining provisions shall not be affected.

Waiver: No failure or delay by Liventix in exercising any right, remedy, power, or privilege under this Agreement shall operate as a waiver thereof. No single or partial exercise of any right, remedy, power, or privilege shall preclude any other or future exercise thereof.

Assignment: You may not assign or transfer this Agreement or any of your rights or obligations hereunder, whether by operation of law or otherwise, without Liventix's prior written consent. Liventix may assign or transfer this Agreement, in whole or in part, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets, without restriction. This Agreement inures to the benefit of and shall be binding upon the parties and their respective permitted successors and assigns.

Notices: Except as otherwise specified herein, all notices and communications under this Agreement shall be in writing. Notices from Liventix to you may be delivered by email to the address associated with your account, or by posting to the Services. Notices from you to Liventix shall be delivered to legal@liventix.app or by certified mail to RMJ FINTECH LTD dba Liventix, Attn: Legal Department.

Modifications: Liventix reserves the right to modify this Agreement at any time in its sole discretion. Material changes will be communicated to registered users by email or in-app notification at least fourteen (14) days prior to taking effect, except where immediate modification is required by law, regulatory authority, or to protect the security or integrity of the Services. Your continued use of the Services following the effective date of any modification constitutes your binding acceptance of the updated Agreement. If you do not agree to the modified Agreement, your sole remedy is to discontinue use of the Services and delete your account.

21. Contact Information