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TERMS OF USE AGREEMENT

This Terms of Use Agreement (the "Agreement") is a legally binding contract between you, the user (referred to as "User" or "you") and 114 Money (referred to as "Company", "we", or "us"). By accessing or using our website, services, or products, you agree to be bound by this Agreement. If you do not agree with any provision of this Agreement, you may not use our services.

1. Acceptance of Terms

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by the terms and conditions of this Agreement, including any additional guidelines and future modifications. If you do not agree to these terms, you must cease using our services immediately.

2. Jurisdiction and Applicable Law

This Agreement shall be governed by and construed in accordance with the laws of the United States, including California, without giving effect to its conflict of laws principles. Any dispute arising out of or in connection with this Agreement shall be exclusively brought in the state or federal courts located within the state of California.

3. Advertising and Third-Party Content

Our services may display advertisements and promotions from third parties. These advertisements may be targeted based on the information you provide to us, your use of our services, or other criteria. We do not endorse or guarantee the accuracy or legitimacy of any third-party content or advertisements posted on our platforms.

4. Intellectual Property Rights

All content, trademarks, logos, and intellectual property rights used or displayed on our platforms are the property of their respective owners. You may not use, reproduce, distribute, or modify any copyrighted material, trademarks, or other intellectual property owned by us or third parties without obtaining their prior written consent.

5. Limitation of Liability

To the fullest extent permissible by law, in no event shall the Company, its affiliates, directors, officers, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, arising out of or in connection with your use or inability to use our services.

6. Disclaimer of Warranties

Our services are provided on an "as-is" and "as available" basis, without any warranties of any kind, express or implied. We do not guarantee that our services will be uninterrupted, error-free, secure, or suitable for your needs. You acknowledge that you use our services at your own risk.

7. Privacy and Data Protection

We are committed to protecting your privacy and personal data. Our Privacy Policy explains how we collect, use, store, and disclose your information. By using our services, you consent to the collection and processing of your data as described in our Privacy Policy.

8. Modifications and Termination

We reserve the right to modify or terminate our services, or any part thereof, at any time without prior notice. We may also modify this Agreement at any time by posting the revised version on our website. By continuing to use our services after any modifications to this Agreement, you agree to be bound by the updated terms.

9. Severability

If any provision of this Agreement is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that comes closest to the intent and purpose of the original provision.

10. Entire Agreement

This Agreement constitutes the entire agreement between you and the Company regarding the subject matter hereof and supersedes all prior or contemporaneous agreements, understandings, and representations, whether written or oral.

By using our services, you acknowledge that you have read, understood, and agree to be bound by this Terms of Use Agreement.

Please consult your legal advisor for any specific legal concerns regarding this Agreement and its compliance with applicable laws, including but not limited to GDPR or CCPA.