I. Agreement

By using, interacting with, or otherwise accessing any part of the Services, you agree to be bound by these Terms as well as all other policies, notices, and terms posted on the Site, including, without limitation, our Privacy Policy and any documents referenced or incorporated therein. If you do not agree to these Terms, the Privacy Policy, and our other terms and conditions, then you have no right or authorization to use the Services.

If you agree to these Terms on behalf of another person, a company, or other legal entity, you represent and warrant that you have the authority to bind that person, company, or other legal entity to these Terms and all of our other terms and conditions and, in that case, "you" and "your" (as used herein and in all our other terms and conditions, as applicable) will refer and apply to that person, company, or other legal entity. The representation and warranty that you have the authority to bind another person, company, or other legal entity shall be personally enforceable against you.

II. Privacy Policy

We are committed to preserving your privacy in accordance with our Privacy Policy, which contains details concerning our practices for collecting, using, maintaining, protecting, and disclosing your information as well as the choices available to you regarding our use of your information. Please read the Privacy Policy carefully before using, interacting with, or otherwise accessing any of the Services. By using, interacting with, or otherwise accessing the Services, you understand and agree to our practices concerning your information as described in the Privacy Policy.

III. Changes to These Terms

WalletPro LLC may modify, revise, replace, or update these Terms at its sole discretion, at any time, and without prior notice to you. All changes to the Terms are effective immediately upon posting and apply to all use of, interactions with, and other access to the Services thereafter. If any change to these Terms, the Privacy Policy, or our other terms and conditions is material, we will provide notice of the change by posting on the Site or otherwise communicating with you. We reserve the right, in our sole discretion, to determine our method of communication with you under this Section of the Terms and whether a revision is material. Because our Services are evolving, we encourage you to regularly check this page and the Site so that you understand our most current Terms. Please note that your continued use of, interaction with, or other access to the Services after any revision to these Terms shall constitute your agreement to be bound by the revised Terms. If the revised Terms are not acceptable to you, you must stop using the Services.

IV. Obligations and Restrictions of Use

Your use of the Services is conditioned on strict compliance with these Terms. You may use the Services only for lawful purposes and in accordance with these Terms. Subject to the following non-exhaustive list of restrictions and obligations, you hereby agree that you will not use the Services in any way that:

• i. Is unlawful, fraudulent, defamatory, obscene, or otherwise harmful, including, without limitation, accessing the Services in a manner that violates any applicable laws, statutes, or regulations, infringes or violates any other person's or entity's rights, or that which WalletPro LLC, in its sole discretion, finds to be obscene or defamatory;
• ii. Is in violation of any of WalletPro LLC's terms and conditions, including, but not limited to, the Terms and the Privacy Policy;
• iii. Is in violation of any applicable laws, statutes, or regulations, including all laws in your country of residence or citizenship that are applicable to the transmission of data on the internet, including, without limitation, laws governing the use of encryption, transmission of data across international boundaries, and relating to Personal Information;
• iv. Defames, harasses, abuses, stalks, threatens, or otherwise violates the legal rights of others (e.g., rights of privacy);
• v. Transmits, or assists in procuring the sending of, any advertisement or promotional material without our prior written consent, including, without limitation, any "junk mail," "chain letter," "spam," or any other similar solicitations;
• vi. Is related to any manual process of monitoring or copying any of the material, including, without limitation, the Licensed Material, available on or through the Services, for any purpose not expressly authorized in these Terms, without our prior written consent; or
• vii. Encourages another individual or entity to engage in an activity that would constitute a violation of these Terms.

With regard to the security of the Services, you hereby agree that you will not use the Services in any manner that could disable, overburden, damage, or impair the Services, including, without limitation: (1) introducing any viruses, Trojan horses, worms, logic bombs, or other materials that are malicious or technologically harmful; (2) taking any action attempting to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services, the server on which the Services are stored, or any server, computer, host, or database connected to the Services; (3) attacking the Services via a denial-of-service attack or a distributed denial-of-service attack; or (4) otherwise attempting to use any device, software, or routine, or taking any action that interferes with the proper working of the Services.

V. Violations of These Terms and Our Suspension and Termination Rights

In the event of a suspected violation of the terms and conditions, including, without limitation, the Terms and our Privacy Policy, WalletPro LLC reserves the right to investigate and determine, at our sole discretion, whether you have violated the Terms. WalletPro LLC may involve and cooperate with law enforcement authorities in prosecuting you if you actually violate or are suspected to have violated these Terms. You acknowledge that WalletPro LLC has no obligation to monitor your use of, interaction with, or other access to the Services, but may do so in its sole discretion, at any time, and without prior notice to you and for any reason or no reason, including, without limitation, in response to your violation of these Terms, the Privacy Policy, and any other of our terms and conditions.

You hereby further acknowledge and agree that a violation of these Terms, the Privacy Policy, and any other of our terms and conditions will cause substantial harm to us, monetary damages for which will be difficult to ascertain and for which there may be no adequate remedy at law. As such, WalletPro LLC reserves the right to limit, suspend, or terminate your right to access the Services and pursue ex-parte equitable or legal remedies to the fullest extent permitted by law.

VI. Intellectual Property

a. General

All content available through the Services, including, without limitation, all information, software, text, displays, images, video files, audio files, and photographs and the design, selection, and arrangement thereof delivered through the Services, as well as any logos, trade dress, or other identifying characteristics of the Services, is owned by WalletPro LLC and its licensors (collectively, the "Licensed Material").

The Licensed Material is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Under these Terms, you are permitted to use the Licensed Material solely for personal, non-commercial use. WalletPro LLC and its licensors retain all right, title, and interest in any intellectual property as well as other applicable proprietary rights in the Licensed Material, and your use of, interactions with, or access to the Services and any Licensed Materials available on or accessible through the Services does not grant you any right, title, or interest in the Licensed Materials. Except as expressly authorized by WalletPro LLC, you may not sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from the Licensed Material, or use the Licensed Materials in connection with any product or service without our prior written consent.

You must seek and obtain written consent from WalletPro LLC if you desire to use the Licensed Materials and any other content available on or through the Services in any way that is not authorized by these Terms. WalletPro LLC may, in its discretion, take action against you if you infringe the copyrights, trademarks, patents, trade secrets, or other intellectual property or proprietary rights of WalletPro LLC.

b. Digital Millennium Copyright Act

We respect the copyrights of others. If you believe that your work is accessible on or through the Services in a way that constitutes copyright infringement in accordance with the Digital Millennium Copyright Act 17 U.S.C § 512(c)(3) (the "DMCA"), you may notify us by sending an email or a written notice to our designated agent for infringement claims including the following information:

• i. A physical or electronic signature of a person authorized to act on behalf of the owner of a right that is allegedly infringed;
• ii. A description of the copyrighted work claimed to have been infringed or, if multiple copyrighted works on our Site or available through the Services are covered by a single notification, a representative list of such works;
• iii. An identification of the material(s) that is claimed to be infringing and access to which is requested to be disabled, in addition to information reasonably sufficient to permit WalletPro LLC to locate such material, such as a URL identifying where it is located on or through the Services;
• iv. Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address);
• v. A statement by you that you have a good faith belief that the use of the material in the manner complained of 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 information in the notification is accurate and that you are authorized to act on behalf of the rights-holder whose right is allegedly infringed.

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA notice may not be effective.

Please be aware that if you knowingly materially misrepresent that material or activity on the Site or displayed anywhere else via the Services is infringing your copyright, you may be held liable for damages (including costs and attorneys' fees) under Section 512(f) of the DMCA.

VII. Third-Party Services and Third-Party Carriers

a. Third-Party Service Providers

The Services may include hyperlinks to other websites and services that are not operated by WalletPro LLC ("Third Party Service Providers"). Certain functions of the Services may link you to or provide you access to functions, content, or services operated by third parties (collectively, "Third Party Services"). WalletPro LLC does not warrant that our Terms or Privacy Policy are the same as those of the Third Party Service Providers.

Your use of Third Party Services is subject to the respective terms, conditions, and privacy policies of the third parties that provide them. WalletPro LLC is not responsible for the privacy practices, functionality, or content of the Third Party Services and assumes no liability for your use of, interactions with, or access to such Third Party Services. You are solely responsible for reading and complying with any licenses, restrictions, privacy policies, terms of use or service, or other terms and conditions that govern the use of any Third Party Services you choose to access, visit, or link to through your use of the Services, and you are solely liable for any violations of those terms and conditions that arise out of or relate to your use of the Third Party Services. You hereby acknowledge and agree that if you decide to use, interact with, or otherwise access any Third Party Service linked to the Services, you do so entirely at your own risk and are responsible for and assume all risk arising from your use of or reliance on any Third Party Services.

b. Third-Party Carriers

We do not warrant that the Services will be compatible with your device, browser, or carrier. Your use of, interaction with, or access to the Services may be subject to the terms of your agreements with your device manufacturer, browser service provider, or carrier. You may not use a modified device to use the Services if the modification is contrary to the device manufacturer's, browser's, or carrier's software or hardware guidelines, or any other terms and conditions of the device manufacturer, browser, or carrier.

VIII. Indemnification

You hereby agree to indemnify, defend, and hold harmless WalletPro LLC, our parent companies, subsidiaries, affiliates, representatives, agents, licensors, and service providers, and our and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns (collectively, the "Indemnified Parties") from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including, but not limited to, reasonable attorneys' fees and costs associated with pursuing any insurance coverage) (collectively, the "Claims") arising out of or relating to your actual or suspected violation of these Terms, the Privacy Policy, or any of our other terms and conditions, the subject matter thereof, including, without limitation, your use of, interactions with, or other access to the Services, whether authorized or unauthorized, or the unlawful use of the Licensed Materials.

IX. Disclaimer

The information presented on or through the Services is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk.

By using, interacting with, or otherwise accessing the Services, you also hereby acknowledge and agree that we may from time to time update the content, including, without limitation, the Licensed Materials, available on or through the Services. Such updates do not necessarily constitute content that is complete or up-to-date. At any time, any of the content on or available through the Services may be out of date, and we are under no obligation to update such content.

X. Limitations of Liability

XI. Choice of Law and Venue

a. Choice of Law

You agree that these Terms, for all purposes, shall be governed and construed in accordance with the laws of the State of New York without giving effect to any principles of conflicts of laws. Any action based on, relating to, arising out of, or alleging a breach of these Terms must be brought in a state or federal court in New York City, New York, or in arbitration in New York City, New York, before a single arbitrator administered by the American Arbitration Association under its Commercial Arbitration Rules. The parties hereby irrevocably and unconditionally submit to the exclusive personal jurisdiction and venue of such courts over such claims.

b. Service of Process

Each party hereby irrevocably and unconditionally consents to service of process through personal service at their corporate headquarters, registered address, or primary address (for individual Users as submitted to us). Nothing in this Agreement will affect the right of any party to serve process in any other manner permitted by law.

XII. Entire Agreement

These Terms constitute the entire agreement between the parties hereto. Unless otherwise specified herein, the Terms and any of our other terms and conditions govern your use of, interactions with, or access to the Services and supersede all prior or contemporaneous communications and proposals (whether oral, written, or electronic) between you and WalletPro LLC with respect to your use of, interactions with, or access to the Services.

XIII. No Waiver

No waiver of a right under these Terms will be effective unless it is in writing. No single waiver of a right shall be deemed a further or continuing waiver of such or any other provision. In addition, a delay or failure to assert any right under these Terms, a partial assertion of that right, or a single exercise of that right shall not in itself constitute a waiver of that right as provided in these Terms.

XIV. Severability

If any part of these Terms is held invalid or unenforceable for any reason by any court of competent jurisdiction, it shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties. The invalidity or unenforceability of any part or provision of these Terms will not affect the validity of the rest of the Terms, which shall remain in full force and effect.

XV. The WalletPro and SplitPro Services

WalletPro, LLC is a technology provider and is not a bank, lender, money transmitter, or provider of credit, financing, or cash advances. WalletPro, LLC is not the merchant of the underlying goods or services that you purchase; it provides payment-technology software only. Payment processing, card issuance, reimbursement, and related services are provided through approved third-party providers when available. WalletPro, LLC does not hold, store, safeguard, insure, or deposit customer funds except as expressly described in these Terms and verified by the active provider arrangement.

• Customer eligibility. You must be legally able to enter into a binding contract and may be required to verify your identity through the applicable provider.
• Authorized card use. You represent that you are the cardholder of, or are authorized by the cardholder to use, every payment method you add. You are responsible for ensuring you have the right to use each funding source.
• Group-contribution responsibilities. For SplitPro™, the organizer is responsible for the accuracy of the group purchase information and assigned shares. Contributors are responsible for reviewing the purchase information, applicable fees, and terms before submitting payment.
• Payment authorization. You authorize the applicable third-party provider to process the payment amount you confirm on the transaction review screen. No payment is submitted until you confirm.
• Fees. Applicable fees are displayed before confirmation. Platform fees, processing fees, and card-program fees, where applicable, are shown at the time of the transaction.
• Transaction limits. Transaction limits, card limits, and merchant restrictions may apply and are displayed before confirmation.
• Cancellation and refunds. Cancellation and refund handling is described in our Shipping, Service Delivery and Refund Policy, which is incorporated into these Terms by reference.
• Disputes. Chargebacks and payment disputes are determined by your bank and the card network. WalletPro, LLC cooperates with providers and card networks in responding to disputes.
• Prohibited uses. You may not use the Services for unlawful purposes, to misrepresent a planned purchase, to use funding sources without authorization, or to circumvent provider or card-network rules.
• Provider availability. Payment processing, card issuance, and reimbursement are available only when an approved third-party provider is active. If no approved processor is active, the final payment button is disabled and no payment is submitted.
• Account suspension. WalletPro, LLC may limit, suspend, or terminate access to the Services in accordance with Section V of these Terms.
• Support contact. For support, contact support@walletpro.us.

The governing law and venue for these Terms is set forth in Section XI. The state of registration and governing state law must match WalletPro, LLC's actual registration and legal information, which is displayed on our Company Information page.

XVI. Contact Us

If you have any questions about these Terms, please contact us: