Empower Investors to Build the Next Big Peer-to-Peer Payment Ecosystem

Terms of Use Effective

January 1, 2025

Welcome to Liztd Inc. We are committed to providing a secure and valuable platform for connecting individuals and fostering a vibrant online community. By accessing or using Liztd Inc. website, mobile applications (“App”), services, or any associated content (“Liztd Inc.”), you agree to these Terms of Use (“TOU”). If you do not agree to these TOU, you are not authorized to use Liztd Inc.

We reserve the right to modify these TOU at any time. Updates will be communicated via notices on Liztd Inc. or email at least 30 days before they take effect. Your continued use of Liztd Inc. after updates indicates your acceptance of the revised TOU.

Eligibility to Use

To access or use Liztd Inc., you must:

• Be at least 18 years old or the age of majority in your jurisdiction.
• Have the legal capacity to enter into binding agreements.
• Not be barred from using Liztd Inc. under applicable laws.

By using Liztd Inc., you confirm that you meet these requirements.

License to Use

Liztd Inc. grants you a limited, revocable, non-exclusive, and non-transferable license to access and use the platform in compliance with these TOU. You may not:

• Repurpose, distribute, or sell content from Liztd Inc. without written permission.
• Use automated methods (e.g., bots, scripts, or scrapers) to access, scrape, or index Liztd Inc. content or services.
• Circumvent access controls or security measures.

Content you post on Liztd Inc. remains your property. By posting, you grant Liztd Inc. a worldwide, royalty-free license to use, modify, display, and distribute your content as necessary to operate the platform.

Responsible Use

To ensure a safe and functional community, you agree to:

• Use Liztd Inc. in compliance with all applicable laws and guidelines.
• Avoid posting content that is illegal, harmful, or misleading.
• Refrain from harassing, exploiting, or abusing other users.
• Not misuse reporting tools or attempt to manipulate moderation processes.
• Not collect or share user data without explicit consent.

Liztd Inc. reserves the right to moderate, remove, or block content and users to protect the platform and its community.

Fees and Premium Features

Liztd is 100% free to use — always. There are no fees, subscriptions, or premium tiers required to create an account, post listings, browse, message, or use any feature on the platform.

Liztd Inc. is committed to keeping the platform free for all users.

Personals Section

The Personals section is designed for personal connections but requires strict adherence to safety standards and legal compliance:

• All content must comply with the Allow States and Victims to Fight Online Sex Trafficking Act (FOSTA) and the Stop Enabling Sex Traffickers Act (SESTA).
• Prohibited activities include solicitation, trafficking, harassment, or other illegal conduct.
• Liztd Inc. employs automated and manual moderation tools to detect and address violations.
• Users can report violations via our reporting system.

Liztd Inc. disclaims liability for user-generated content but will take necessary action, including notifying law enforcement, when violations are identified.

Privacy and Cookies

Your use of Liztd Inc. is subject to our Privacy Policy. By using Liztd Inc, you consent to the collection, use, and sharing of your data as outlined in the Privacy Policy. Liztd Inc. uses cookies and similar tracking technologies to enhance functionality and analyze usage.

Limitation of Liability

Liztd Inc. is provided “AS IS” and “AS AVAILABLE.” To the fullest extent permitted by law:

• Liztd Inc. disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Liztd Inc. is not liable for damages resulting from third-party actions, user-generated content, technical issues, or unauthorized access.
• Total liability for any claim will not exceed $100 or the amount paid by you to Liztd Inc. in the past 12 months.

Disputes and Indemnification

Disputes arising from Liztd Inc. will be governed by the laws of Delaware, excluding conflict of law provisions. You agree to:

• Resolve disputes exclusively in the courts of Delaware.
• Indemnify Liztd Inc. from claims, damages, or legal fees resulting from your use of the platform or violation of these TOU.

Intellectual Property

Liztd Inc. name, logo, and related trademarks are proprietary. You may not use these trademarks without prior written permission. For intellectual property infringement claims, contact dmca@liztd.com.

Termination of Access

Liztd Inc. reserves the right to suspend or terminate your account at any time for any reason, including breach of these TOU.

Updates to Terms

We may update these TOU periodically. Significant changes will be communicated via notices on Liztd Inc. or email at least 30 days before they take effect. Your continued use after updates indicates acceptance of the revised TOU.

Contact Us

If you have questions about these TOU, please contact us at support@liztd.com.

Additional Links:

• Prohibited Items and Activities Policy.
• Privacy Policy.
• Reporting System.

Privacy Policy

January 1, 2025

Welcome to Liztd Inc.. Your trust matters to us, and we are committed to safeguarding your privacy while providing a seamless and secure experience on our platform. This Privacy Policy outlines how we collect, use, and protect your data when you access Liztd Inc., whether through our website or mobile applications. By using Liztd Inc., you agree to the practices described in this policy. If changes are made, we will update the effective date and notify you of material revisions.

Our Commitment to Your Privacy

At Liztd Inc., we are dedicated to respecting your privacy and ensuring your data is handled responsibly. We recognize the diverse needs of our users and take steps to:

• Use data solely to enhance your experience and facilitate interactions on the platform.
• Display ads through Google AdSense and participate in affiliate marketing to sustain our services.
• Refrain from sharing your data with third parties for their marketing purposes.
• Employ cookies and analytics tools to customize your experience and deliver relevant ads.
• Protect your data with robust security measures to prevent unauthorized access.
• Provide options to manage your communication preferences and minimize unsolicited messages.

Liztd Inc. includes a Personals section, where user safety and privacy are paramount. We adhere to all applicable laws and regulations, including the Allow States and Victims to Fight Online Sex Trafficking Act (FOSTA) and the Stop Enabling Sex Traffickers Act (SESTA), which govern content and activities in online personals to prevent exploitation and trafficking. While we do not monitor user-generated content in real time, we expect all users to adhere to our Terms of Use and local, state, and federal laws. Reports of misuse or illegal activity will be reviewed promptly, and necessary action will be taken, including content removal and notifying authorities as required by law.

Currently, we do not respond to browser "Do Not Track" signals. We also encourage you to review the privacy policies of any third-party services linked to from Liztd Inc..

What Data We Collect and Why

Liztd Inc. collects data to create a secure and personalized experience for every user. Below is an overview of the data we collect, why we collect it, and with whom it may be shared. Note: Liztd Inc. does not process payments from users.

We may disclose data under the following circumstances:

• To comply with legal obligations, such as subpoenas, court orders, or law enforcement requests.
• To protect the safety and rights of Liztd Inc. users, the platform, or the general public.
• During a business transition, such as a merger or asset transfer, with safeguards to protect your data.
• At your explicit direction, if you authorize data sharing.

Children's Privacy

Liztd Inc. is not intended for individuals under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal data, we will delete it in compliance with applicable laws. Parents or guardians who believe their child has shared data with Liztd Inc. can contact us at privacy@liztd.com.

Data Retention and Security

We retain your data only for as long as it is necessary to fulfill its purpose or comply with legal obligations. Our security measures include encryption, regular audits, and access controls. However, no system is completely secure, and we encourage users to practice caution when sharing personal information online. You may update or access certain information through your account settings.

Special Considerations for the Personals Section

The Personals section of Liztd Inc. allows users to post and respond to personal ads. To ensure safety and compliance:

• Users must adhere to local, state, and federal laws, including but not limited to laws addressing harassment, solicitation, and exploitation.
• Liztd Inc. prohibits the use of the Personals section for illegal activities, including but not limited to prostitution or human trafficking, as mandated by FOSTA-SESTA.
• Reports of inappropriate use or content can be submitted via our reporting tools. These reports will be reviewed, and appropriate actions, such as content removal or notifying law enforcement, will be taken.
• Liztd Inc. actively works to prevent the misuse of the Personals section through automated and manual moderation tools, designed to detect and mitigate prohibited content.

All data shared in this section is subject to this Privacy Policy and our Terms of Use.

Your Rights as a California User

Under the California Consumer Privacy Act (CCPA), California residents have the following rights:

• Right to Know: Request details about the data we collect and how it is used
• Right to Delete: Ask us to delete your personal data, subject to certain exceptions.
• Right to Non-Discrimination: Exercise your rights without facing discriminatory treatment.

To submit a request, contact us at privacy@liztd.com. Only you or an authorized representative may request access to or deletion of your data. Verification, such as account login or additional identifying information, may be required to process your request.

International Considerations

If you are accessing Liztd Inc. from outside the United States, please note that your data may be transferred to and stored on servers in the United States or other countries where we operate. By using Liztd Inc., you consent to the transfer of your data in compliance with applicable laws, including the General Data Protection Regulation (GDPR) for European Union users. For more details on your rights as an international user, contact privacy@liztd.com.

Automated Decision-Making

Liztd Inc. may use automated tools to review content for compliance with platform standards, including content in the Personals section. These tools are designed to identify and mitigate prohibited activities, such as harassment or exploitation. Automated actions are supplemented by manual reviews to ensure fairness and accuracy.

Updates to This Privacy Policy

If we make significant changes to this Privacy Policy, we will notify you through prominent notices on our platform or via email, where appropriate, at least 30 days before the changes take effect.

Contact Us

If you have any questions or concerns about this Privacy Policy or how Liztd Inc. handles your data, please email us at privacy@liztd.com. Your feedback is important to us, and we are here to ensure a safe and transparent experience for all users.