USER AGREEMENT

We strongly suggest that you peruse this User Agreement (hereinafter – the "Agreement") meticulously prior to using the website at https://crossager.com (hereinafter – the "Website"). The usage of the Website is only permitted in complete and absolute accordance with the stipulations of this Agreement.

It is imperative that you adhere to the Agreement as per the terms detailed below. Should you not concur with the terms of the Agreement, we advise you to refrain from using the Website for any reason.

1. TERMS AND DEFINITIONS

In the context of this Agreement, the subsequent terms and definitions are utilized.

1.1. Website – and Internet resource located on the website at: https://crossager.com , accessible to the User through a stationary or mobile device version of the site, applications, and other resources, representing intellectual output in the form of a computer program.

1.2. User – any individual who navigates the Website via the Internet for any reason including employing the functions of the Website.

1.3. Website Administration – this website is held and managed by a Company, a legally established entity under the jurisdiction of Finland (hereinafter the "Company," “we,” “us,” or “our’)

1.4. Message – data presented as text and/or text-and-image messages dispatched by Users in the Chat.

1.5. Personal Account – a section of the Website bearing information about the User, which can be populated directly by the User post registration on the Website.

1.6. My Messages – a function (section) of the Website for Message exchange with another User of the Website.

1.7. Chat – a premium function of the Website enabling the User to dispatch 10 (ten) supplementary Messages to another User via the "My Messages" section. The process for activating the Chat is outlined in Section 4 of this Agreement.

1.8. Coin (Coins) – a denomination of accounting for the count of Chats accessible to the User.

2. AGREEMENT ACCEPTANCE

2.1. This Agreement, along with other legal information circulated by the Company on the Website, stipulates the relationship between the User and the Website Administration in all at terms.

2.2. User's engagement with the Website including, but not limited to, the "My Messages" section and the premium functionality of the Website in the form of purchasing Coins to enable Chats. The Agreement constitutes a public offer agreement.

2.3. By entering the Website, utilizing the Services, or downloading any resources from the Website, you consent to be governed by this Agreement without any alterations or exceptions.

2.4. This Agreement is an accessible and public document. The current iteration of the Agreement is available online at: https://crossager.com/terms.html. We maintain the right to alter the terms of this Agreement at any given time including the payment provisions laid out in section 4 of this Agreement. The clauses herein override all preceding notices or declarations pertaining to our Agreement with respect to this Site. We incorporate the effective date of our Agreement at the commencement of the statement. In case of significant alterations to the Agreement, we will publish the revised Agreement and the updated effective date on this Website. We suggest that Users routinely inspect the terms of the Agreement for changes and/or additions. Continued use of the Website after modifications and/or additions to the Agreement signifies User acceptance and consent to such changes and/or additions.

3. WEBSITE UTILIZATION

3.1 We grant you access to and use of the Website predicated on your adherence to this Agreement. No content from the Website can be duplicated, reproduced, republished, uploaded, posted, transmitted, or distributed in any manner, except as specifically sanctioned in this Agreement.

3.2. User Age and Access. By providing information via this Website, you verify that you are over the age of 18 at the time of registration.

3.3. License from Company. The Website, inclusive of all its content like text, images, and the source code utilized to generate the pages, ("Materials"), are our property or that of our suppliers or licensors and are safeguarded by patent, trademark, and/or copyright under United States and/or foreign laws. Unless stipulated otherwise herein, you are prohibited from using, downloading, uploading, copying, printing, displaying, performing, reproducing, publishing, modifying, deleting, adding to, licensing, posting, transmitting, or distributing any Materials from this Site in whole or in part, for any public or commercial purpose without our express written permission. We bestow upon you a personal, non-exclusive, non-transferable license to navigate our Site and to use the information and services featured here.

3.4. License from User. User provides us a non-exclusive, perpetual, irrevocable, royalty-free, fully transferrable, worldwide right and license to copy, alter, edit, archive, store, stream, display, exhibit, distribute, use, and create derivative works from any content posted on the Website for any purpose, in any form, media, software, or technology of any kind currently existing or developed in the future. Without limiting the universality of the preceding sentence, you authorize us to disseminate the information across all our affiliated websites and mobile applications, to include the information in a searchable format accessible by users of our and other websites, and to use your name and any other information in connection with its use of the material you provide. You also grant us the right to use any material, information, ideas, concepts, know-how or techniques encompassed in any communication you send to us for any purpose whatsoever. All rights in this paragraph are bestowed without the need for additional compensation of any kind to you.

4. PROPRIETARY RIGHTS

4.1. The rights to the Website as an entirety, as well as to other outcomes on intellectual work posted on the Website, are vested in the Company. The information on the Website including, without limitation, all site design, text, graphics, interfaces, and the selection and arrangements is protected by law including copyright law. The Company (or other companies whose marks appear on the Site) is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the Website, and is the copyright owner or licensee of the Content and/or information on the Website, unless otherwise indicated.

4.2. No clauses of the Agreement provide the User with the right to brand names, trademarks, domain names, titles, designs, and other distinctive marks, as well as other results of intellectual activity owned by the Company on any legal grounds. The right to use the company name, trademarks, domain names, titles, and other distinctive signs of the Company may only be conferred by our written consent.

4.3. The rights to the results of intellectual work posted on the Website by third parties may be owned by such third parties. The Company is not accountable, and also does not compensate or pay penalties for breaches of exclusive/copyright rights to the results of intellectual work committed by such third parties when posted on the Website.

5. WEBSITE REGISTRATION

5.1. We retain the right to limit access to the Website or certain parts thereof to registered users. User’s registration on the Website is free, voluntary and is conducted on the Website in the “Log in” section. During registration on the Website, the User is obligated to peruse and accept the terms of the Agreement.

5.2. Upon registering on the Website, the User is required to provide necessary reliable and current information to create the User’s Personal Account, including a unique E-mail address and password for each User to access the Website. The Website’s registration form may request supplementary information from the User including name, date of birth, payment card information, and telephone number.

5.3. The User assumes responsibility for the accuracy, relevance, and completeness of the information provided during registration, and represents that the information provided is free from any claims by third parties.

5.4. The User must adhere to all applicable laws and regulations in the User’s location.

5.5. Registered Users agree to the terms of this Agreement and assume the rights and obligations specified in it regarding the use and operation of the Website. The User consents to receive electronic messages including advertising and informational content through the Services from the Company and/or third parties.

5.6. The username and password selected by the User are required for access to the Website. The User assumes full responsibility for the safety and security of their username and password, independently choosing the method of storing them.

5.7. Unless the User indicates otherwise, any actions performed using his/her username and password are considered to have been performed by the corresponding User. In the event of unauthorized access to the username and password, the User must promptly notify the Company.

6. TERMS OF USE OF THE WEBSITE AND PAID ACCESS

6.1. The Website Administration grants the User the right to utilize the limited functionality of the Website free of charge, subject to the terms of a simple (non-exclusive) license. The limited functionality of the Website allows the User to send a maximum of 1 (one) Message using the "My Messages" section, while the number of conversations in the "My Messages" section in which the User can send 1 (one) Message to another User is unrestricted.

6.2. To access the full functionality of the Website, including the ability to send more than 1 (one) Message using the "My Messages" section, the User must purchase paid access to the Website's functionality in the form of one or more Chats. 1 (one) Chat is equivalent to 10 (ten) Coins. The User can purchase a quantity of Coins ranging from 10 (ten) to 150 (one hundred and fifty) for the purpose of accessing Chats.

6.3. The value of Coins is as follows:
10 Coins – 9 USD
30 Coins – 25 USD (0.83 USD per Coin)
50 Coins – 39 USD (0.78 USD per Coin)
100 Coins – 76 USD (0.76 USD per Coin)
150 Coins – 111 USD (0.74 USD per Coin)

6.4. If the User purchases paid access to the Website in the form of Chats, they are encouraged to utilize the purchased Chat when intending to send an additional 10 (ten) Messages to another User of the Website in the "My Messages" section. Each time the User employs the Chat to send 10 (ten) Messages, the number of Coins in the User's Personal Account is reduced by 10 (ten) units. Thus, the User independently chooses the means of corresponding with other Users.

6.5. When making the first payment of Coins with a bank payment card, the User's card data is securely stored by the payments processor. For subsequent payments of Coins, the User can select the stored bank payment card from the Website menu without having to re-enter their credit card details. By doing so, the User agrees that all transactions initiated by selecting the stored bank payment card and clicking the "Pay" button are authorized by the User.

6.6. The User has the right to utilize other electronic means of payment, in addition to bank payment cards, to pay for additional functionality of the Website under the terms of this Agreement.

6.7. By accepting this Agreement, including its commercial terms, the User agrees that the remuneration paid to obtain paid access to the full functionality of the Website is a license fee and is non-refundable to the User, even if they did not take advantage of its benefits, particularly if they did not use all the Chats provided or in the event of the User's refusal to continue using the Website.

6.8. All legal disputes shall be settled according to Finnish law in the competent courts in Finland, except in extreme cases where the user's local law stipulates otherwise. PLEASE NOTE: ANY CLAIM OR CAUSE OF ACTION YOU MAY HAVE WITH RESPECT TO US OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CLAIM OR CAUSE OF ACTION AROSE.

7. REFUND AND CANCELLATION POLICY

7.1. Purchases of Coins, Chats, or Services are non-refundable.

7.2. Expiration of Coins and Chats: Coins and Chats will expire if not used within one (1) year of purchase.

7.3. Coins and Chats are non-transferrable.

7.4. Users may cancel their registered account at any time. Any unused Coins or Chats will be deleted and not refunded upon cancellation of the registered account.

8. USER RESPONSIBILITY AND PROHIBITED USES

8.1. Users are responsible for their own actions in connection with the creation, sending, and posting of information, including Messages, on the Website, and must always comply with applicable law.

8.2. Users may only use the Website and the Services for lawful purposes and are solely responsible for the consequences of their activities on the Website.

8.3. Users are specifically prohibited from using the Site for any of the following:

  • Posting incomplete, false, inaccurate, or unauthorized information;
  • Impersonating another person;
  • Engaging in or encouraging conduct that would constitute a criminal offense, give rise to civil liability, violate any city, state, national, or international law or regulation, or fail to comply with accepted Internet protocol;
  • Posting material that is copyrighted or owned by a third party unless you are the copyright owner or have permission from the owner to post it;
  • Posting material that reveals trade secrets unless you own them or have permission from the owner;
  • Posting material that infringes on any other intellectual property, privacy, or publicity right of another;
  • Transmitting or transferring information or software derived from the site to foreign countries or certain foreign nations in violation of US export control laws;
  • Accessing data not intended for the user or logging into a server or account without authorization or attempting to interfere with the Site or our networks or network security, or attempting to gain unauthorized access to any other computer system through the Site;
  • Attempting to probe, scan, or test the vulnerability of a system or network or breach security or authentication measures without proper authorization;
  • Attempting to interfere with service to any user, host, or network, including via means of submitting a virus to the Site, overloading, "flooding," "mailbombing," or "crashing"; or sending unsolicited e-mail, including promotions and/or advertising of products or services;
  • Forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting.

8.4. Violations of system or network security may result in civil or criminal liability. The Company will investigate such occurrences and may involve, and cooperate with, law enforcement authorities in prosecuting the user or users involved in such violations.

9. CHANGES TO THE WEBSITE

The Company may make improvements and/or changes to the products, services, programs, information, materials, and prices (collectively "Content") described on this Website at any time without notice. We reserve the right to change the design of the Website, its content, functionality, and to modify or supplement the scripts, software, and other objects used or stored on the Site, as well as any server applications at any time with or without prior notice. We may also impose rules and limits on the use of the Website or restrict your access to part or all of the Website without notice or penalty. We have the right to change these rules and/or limitations at any time, at our sole discretion.

10. USER CONTENT AND POSTINGS

10.1. We have the right, but not the obligation, to monitor or review discussions, chats, postings, third-party reviews, and other transmissions on the Website. We assume no responsibility or liability for the content of any such transmissions or for any errors, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, illegality, or inaccuracy contained in any information transmitted to any such locations on this Website.

10.2. We are not responsible for the content Users post on the Site. You accept sole responsibility for any material Users may submit via the Site ("User Generated Content" or "UGC"), including photos, messages, text, information, videos, communications, user profiles (such as your name and user profile image or avatar), and any other content that you upload, share, publish, or display on or through the Website. Users may not upload, post, transmit, distribute, or share UGC on the Website that they did not create or for which they do not have permission to share.

10.3. Users warrant that any UGC they post, transmit, or share is owned by them or that they have obtained permission for its use. The UGC does not reflect our opinions or views, and under no circumstances are we liable for any UGC, including errors or omissions, or any loss or damage incurred as a result of the use of or reliance on any UGC. You understand and agree that we have the right, but not the obligation, to archive, not publish, make chats or discussions "Read Only," or modify or remove Website content or UGC (without notice or liability) if we, in our discretion, consider the UGC to be in violation of these Terms of Use or otherwise harmful to the Site.

10.4. By posting UGC to the Website, you understand and agree that you grant us and its affiliates the described license. We do not assert any ownership over your UGC. You understand and agree that your UGC, as between us and you, is subject to the rights granted to the Site in these Terms, and you retain full ownership of all your UGC and any intellectual property or other proprietary rights associated with your UGC. You are not entitled to any compensation for UGC you post on the Site unless otherwise agreed upon. We do not guarantee that you will have any recourse through us to edit or delete any content you have submitted. Ratings and written comments are generally posted within two to four business days. However, we reserve the right to remove or refuse to post any submission for any reason.

10.5. By submitting any UGC to the Site, you represent and warrant that: you are the sole author and owner of the intellectual property rights thereto or that you control all the rights to the content; all "moral rights" that you may have in such content have been voluntarily waived by you; all content that you post is accurate; you will be responsible for paying all royalties and other fees that might be due to any person or entity; you will indemnify us for all claims resulting from content you supply; you are at least 18 years old; and use of the content you supply does not violate these Terms of Use and will not cause injury to any person or entity.

10.6. All information you post to the Site is visible to the general public. We shall not be subject to any obligations of confidentiality regarding such information.

10.7. The Company may, at its sole discretion, modify (moderate), block, or remove any published User content that violates the prohibitions established by the Agreement, suspend, restrict, or terminate the User's access to all or any sections or features of the Website at any time for any reason or without explanation, with or without prior notice.

11. COPYRIGHT COMPLAINTS

11.1. We respect the intellectual property rights of others and prohibit users from uploading and posting materials that infringe upon another party's intellectual property rights. If you believe that your material has been copied in a way that constitutes copyright infringement, please provide our copyright agent with the following written information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (ii) a description of the copyrighted work that you claim has been infringed upon; (iii) a description of where the material that you claim is infringing is located on the Site; (iv) your address, telephone number, and email address; (v) a statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (vi) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. You can reach our copyright agent for notice of claims of copyright infringement on the Site at DMCA@crossager.com

11.2. It can be challenging to determine if your intellectual property rights have been violated or if the requirements of the Digital Millennium Copyright Act (DMCA) have been met. We may request additional information before removing any infringing material. If a dispute arises regarding the correct ownership of the rights in question, we reserve the right to remove or disable access to the allegedly infringing material pending resolution of the matter. We will terminate the accounts of users determined to be repeat infringers.

11.3. Please note that under Section 512(f) of the Copyright Act, any person who makes false claims that material or activity is infringing may be subject to liability for damages.

12. DISCLAIMER OF WARRANTIES

12.1. Users understand and agree that to the fullest extent permitted by applicable law: The Website, including all content, function, materials, and services, is provided "as is," without warranty of any kind, either express or implied. This includes warranties for information, data, data processing services, or uninterrupted access, warranties concerning the availability, accuracy, completeness, usefulness, or content of information, and warranties of title, non-infringement, merchantability, or fitness for a particular purpose. We do not warrant that the Website or the function, content, or services made available thereby will be timely, secure, uninterrupted, or error-free, or that defects will be corrected. We make no warranty that the Website will meet users' expectations or requirements. No advice, results, or information, or materials, whether oral or written, obtained by you through the Site, shall create any warranty not expressly made herein. If you are dissatisfied with the Site, your sole remedy is to discontinue using the Website. Any material downloaded or obtained through the use of the Website is done at your own discretion and risk, and you will be solely responsible for any damage that results from the download of any such material. We do not endorse, warrant, or guarantee any products or services offered or provided by third parties on or through the Website. We are not a party to, and do not monitor, any transaction between users and third parties without our direct involvement.

13. LIMITATION OF LIABILITY

13.1. To the fullest extent permitted by applicable law, neither we, nor our affiliates, nor any of their respective directors, officers, employees, agents, or content or service providers shall be liable for any indirect, special, incidental, consequential, exemplary, or punitive damages arising from or directly or indirectly related to the use or misuse of, or the inability to use, the Website or the content, materials, and function related thereto. This includes, without limitation, loss of revenue, anticipated profits, business, data, or sales, or the cost of substitute services, even if we or our representative or such individual has been advised of the possibility of such damages. Some jurisdictions do not allow the limitation or exclusion of liability, so some of the above limitations may not apply to you. In no event shall our total liability to you for all damages, losses, and causes of action (whether in contract, tort, including negligence, or otherwise) arising from the Terms or your use of the Site exceed, in the aggregate, $100.00.

14. NOTICES

14.1. Notices to you may be made via email or regular mail. The Website may also provide notices of changes to the Terms or other matters by displaying notices or links to notices on the Website.

15. LINKS FROM AND TO THE WEBSITE

15.1. You may be able to link to third-party websites ("Linked Sites") from the Site. However, Linked Sites are not reviewed, controlled, or examined by us in any way, and we are not responsible for the content, availability, advertising, products, information, or use of user information or other materials on any such Linked Sites or any additional links contained therein. These links do not imply our endorsement of or association with the Linked Sites. It is your sole responsibility to comply with the appropriate terms of service of the Linked Sites, as well as any other obligations under copyright, secrecy, defamation, decency, privacy, security, and export laws related to the use of such Linked Sites and any content contained thereon. In no event shall the Company be liable, directly or indirectly, to anyone for any loss or damage arising from or occasioned by the creation or use of the Linked Sites or the information or material accessed through these Linked Sites. You should direct any concerns to that site's administrator or webmaster. We reserve the exclusive right, at our sole discretion, to add, change, decline, or remove any feature or link to any of the Linked Sites from the Site and/or introduce different features or links to different users.

15.2. Permission must be granted by us for any type of link to the Site. To seek our permission, you may write to us at the address below. We reserve the right, however, to deny any request or rescind any permission granted by us to link through such other types of links, and to require termination of any such link to the Site, at our discretion at any time.

16. INDEMNITY

16.1. Users agree to defend, indemnify, and hold the Company, its directors, officers, employees, agents, and affiliates harmless from any and all claims, liabilities, damages, costs, and expenses, including reasonable attorneys' fees, arising from, related to, or in connection with your use of the Site, your violation of the Terms, or the posting or transmission of any materials on or through the Site by you. This includes, but is not limited to, any third-party claim that any information or materials you provide infringe any third-party proprietary right.

17. GENERAL INFORMATION

17.1. The terms of this Agreement constitute the entire agreement between you and us and govern your use of the Website, superseding any prior agreements between you and us. You may also be subject to additional terms and conditions that are applicable to certain parts of the Website.

17.2. You agree that no joint venture, partnership, employment, or agency relationship exists between us and you as a result of this Agreement or your use of the Site.

17.3. Our failure to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision. If any provision of the Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect.

17.4. You may not assign the Agreement or any of your rights or obligations under the Terms without our express written consent.

17.5. The Agreement benefits our successors, assigns, and licensees. The section titles in the Agreement are for convenience only and have no legal or contractual effect.

18. CONTACTING US

18.1. This Site is owned and operated by Company in Finland, you can contact us by email at contact@crossager.com