Terms of Use

1. Introduction and Acceptance

These Terms of Use (these “Terms”) constitute a legally binding agreement entered into by and between Pagos Cube LLC, a Wyoming limited liability company herein referred as “Bloque” (“Pagos Cube,” “Bloque,” the “Company,” “we,” “us,” or “our”), on the one hand, and you, whether personally or, where applicable, on behalf of an entity, sole proprietorship, or other organization (“you,” “your,” or “User”), on the other hand, governing your access to and use of the website located at https://www.bloque.app and any related subdomains, sub-sites, mobile-optimized versions, and associated web properties operated by or on behalf of Pagos Cube LLC, including, without limitation, https://quote.bloque.app, https://docs.bloque.app, https://app.bloque.app, https://blog.bloque.app, and https://status.bloque.app (collectively, the “Website”).

By accessing, browsing, registering on, downloading from, submitting information through, or otherwise using the Website in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms in their entirety, you must immediately cease accessing and using the Website.

You represent and warrant that (a) you are at least eighteen (18) years of age or, if greater, the age of majority in your jurisdiction of residence; (b) you have the legal capacity to enter into these Terms; and (c) if you are accessing the Website on behalf of a company, partnership, sole proprietorship, governmental entity, or other organization, you have the legal authority to bind such organization to these Terms, in which case the term “you” shall be deemed to refer to such organization.

Capitalized terms not otherwise defined have the meanings set forth in Section 2 (Definitions).

2. Definitions

For purposes of these Terms, the following terms shall have the meanings set forth below:

1. “Account” means any registration, profile, credential, or access record you establish on or through the Website to access or use certain features of the Website.
2. “Affiliate” means, with respect to any entity, any other entity that directly or indirectly controls, is controlled by, or is under common control with such entity.
3. “Applicable Law” means all applicable statutes, treaties, regulations, ordinances, rules, judgments, orders, decrees, injunctions, permits, licenses, authorizations, common-law obligations, and similar legal requirements of any governmental authority, in each case as amended or in effect from time to time.
4. “Content” means any and all text, graphics, images, photographs, illustrations, charts, animations, audio, video, podcasts, software, source and object code, documentation, application programming interfaces, software development kits, command-line tools, user interfaces, visual interfaces, data, data compilations, page layouts, file formats, design elements, trademarks, logos, sounds, music, artwork, the “look and feel,” and any other materials that appear on, are made available through, or form part of the Website.
5. “Services” means the technology products, software products, software development kits, application programming interfaces, hosted infrastructure, software-as-a-service offerings, desktop applications, command-line interfaces, model context protocol servers, payment processing capabilities, card-issuing capabilities, account and ledger capabilities, currency-conversion and cross-border settlement capabilities, identity-verification capabilities, and other related products and services offered by or on behalf of Pagos Cube LLC, including, without limitation, those described in Section 4 (Description of Services), each of which is and remains governed by a separate written agreement.
6. “Service Agreements” means the individual written contracts, master services agreements, license agreements, terms of service, statements of work, order forms, schedules, and similar contractual instruments that govern the provision and receipt of one or more Services, including, without limitation, the Bloque SDK License Agreement, the Bloque Payment Services Agreement, the Bloque Platform Agreement, and the Bloque Developer Sandbox Agreement, as each may be amended, restated, supplemented, or replaced from time to time.
7. “User Content” or “User Submission” means any and all content of any kind that you submit, post, upload, transmit, communicate, contribute, or otherwise make available to or through the Website or to Bloque in any communications channel, including, without limitation, testimonials, endorsements, quotations, statements, reviews, ratings, photographs, videos, screen recordings, audio recordings, comments, feedback, suggestions, ideas, names, business names, signatures, headshots, biographical information, professional titles, employer affiliations, social-media handles, and any other materials of any nature whatsoever.
8. “Intellectual Property Rights” means all intellectual property and proprietary rights of any kind throughout the world, whether registered or unregistered, including, without limitation, copyrights and rights in copyrightable subject matter; patents, patent applications, and rights in inventions and discoveries; trademarks, service marks, trade names, trade dress, logos, slogans, and rights in goodwill; trade secrets, know-how, and confidential information; database rights; moral rights; rights of attribution and integrity; rights of publicity, personality, and privacy; and any other similar or analogous proprietary rights.
9. “Bloque Parties” means Pagos Cube LLC and its Affiliates, and each of their respective officers, directors, members, managers, employees, agents, contractors, consultants, advisors, licensors, suppliers, service providers, successors, and assigns.

3. Nature of the Website; Relationship to Services

The Website is the corporate, informational, and marketing presence of Pagos Cube LLC and serves the following purposes:

1. to provide general information about Bloque, its mission, its team, and the Services it offers or may in the future offer;
2. to provide access to product documentation, developer resources, technical specifications, code samples, software development kits, and command-line tools that prospective and current customers may use to evaluate or build integrations with the Services;
3. to permit Users to request a quote, request access to the Services, register for a sandbox environment, register for a developer preview, or otherwise initiate a commercial relationship with Bloque;
4. to publish thought-leadership, case studies, blog posts, product announcements, customer testimonials, white papers, regulatory disclosures, and other communications by Bloque; and
5. such other informational, marketing, lead-generation, recruiting, investor-relations, and corporate functions as Bloque may make available from time to time.

These Terms govern only your access to and use of the Website. These Terms do not constitute, are not intended to constitute, and shall not be construed as constituting, an offer to provide any Service to any person or in any jurisdiction. These Terms do not establish, govern, or otherwise contractually regulate the provision of any Service to any User or other person. Each Service is and remains available exclusively pursuant to its own Service Agreement, which the User must separately review, negotiate (where applicable), and accept or execute before receiving the corresponding Service. Pagos Cube LLC may decline, in its sole and absolute discretion, to make any Service available to any Person for any reason or for no reason.

In the event of any conflict, ambiguity, or inconsistency between these Terms and the terms of any applicable Service Agreement with respect to a Service or the conduct of the parties thereunder, the Service Agreement shall control and prevail with respect to such Service. These Terms shall continue to govern access to and use of the Website.

4. Description of Services

Bloque offers a programmable financial-infrastructure stack and related products. The Services that Bloque currently offers, or may in the future offer, include, without limitation, the following, each of which is described herein for general informational purposes only and is governed by, and made available only pursuant to, the applicable Service Agreement:

1. Bloque SDK. A TypeScript software development kit and related client libraries (including, without limitation, the “@bloque/sdk” package and its sub-packages for accounts, cards, transfers, identity, compliance, organizations, and currency swaps) that enable software developers, product teams, and other authorized integrators to provision and operate fiat-denominated accounts and stablecoin-denominated balances, issue Visa-branded virtual cards subject to programmable spending policies (including merchant-category-code allow- and deny-lists, per-card and per-period spending limits, geographical controls, and time-based controls), initiate and settle domestic and cross-border transfers and payments, perform identity verification and customer-due-diligence procedures (commonly referred to as “KYC” and “KYB”), and consume related programmable financial primitives, all subject to applicable regulatory and contractual constraints.
2. Bloque Pay. A payment-acceptance and checkout product, including the “@bloque/payments” server-side software development kit and the “@bloque/payments-react” client component library, providing hosted and embeddable checkout experiences, three-domain-secure (3-D Secure) authentication, multi-method payment acceptance (including, without limitation, card networks, local payment rails such as PSE in Colombia, and stablecoin payment rails), and associated webhook infrastructure.
3. Bloque MCP Server. A Model Context Protocol (“MCP”) server endpoint that exposes certain Bloque functionality as callable tools for compatible large-language-model agents and client applications, including, without limitation, account creation and listing, balance retrieval, and Bre-B-related operations.
4. Bloque CLI. A command-line interface that exposes the Services as scriptable, deterministic operations suitable for automation, cron-scheduled execution, and treasury workflows.
5. Bloque macOS Application. A desktop application for the macOS operating system that exposes the Services through a natural-language interface designed for non-developer operators.
6. Other Offerings. Such other products, services, technology offerings, beta programs, pilots, integrations, partner programs, application templates, and reference implementations as Bloque may introduce, modify, or discontinue from time to time, in its sole discretion.

The availability of any Service is subject to, among other things, (i) successful completion of all onboarding, identity-verification, customer-due-diligence, sanctions-screening, and underwriting procedures that Bloque may from time to time require; (ii) the execution and delivery (or acceptance, in the case of click-through agreements) of the applicable Service Agreement; (iii) written or system-enabled approval by Bloque; (iv) the User’s ongoing compliance with the applicable Service Agreement, these Terms, and Applicable Law; and (v) the availability of the relevant Service in the User’s jurisdiction.

Important regulatory disclosures. Pagos Cube LLC is not a bank, a chartered depository institution, a trust company, a credit union, a broker-dealer, an investment adviser, a futures commission merchant, an insurance company, a money services business operating without applicable registration or licensure, or a custodian of customer funds, in each case except to the extent (if any) expressly disclosed in the applicable Service Agreement. Nothing on the Website constitutes (1) an offer or solicitation to purchase, sell, or hold any security, commodity, derivative, digital asset, or other financial instrument; (2) financial, investment, tax, legal, accounting, regulatory, or other professional advice; or (3) a recommendation to enter into any transaction. Information appearing on the Website is provided for general informational purposes only. You should consult your own qualified advisors before making any financial, legal, tax, or business decision.

5. Eligibility

To access or use the Website, you must, at all times, satisfy each of the following eligibility requirements:

1. You must be at least eighteen (18) years of age or, if greater, the age of majority and full legal capacity in your jurisdiction of residence.
2. You must have full legal capacity to enter into binding contracts under Applicable Law and must not be subject to any guardianship, conservatorship, or similar disability.
3. You must not be (i) a person or entity that is the target of economic sanctions administered or enforced by the U.S. Department of the Treasury’s Office of Foreign Assets Control (“OFAC”), the U.S. Department of State, the U.S. Department of Commerce, the United Nations Security Council, the European Union, the United Kingdom, or any other applicable sanctions authority; (ii) a person or entity organized under the laws of, ordinarily resident in, or located in any country or territory that is the subject of comprehensive sanctions (currently including, without limitation, Cuba, the Islamic Republic of Iran, the Democratic People’s Republic of Korea (North Korea), the Syrian Arab Republic, and the Crimea, so-called Donetsk People’s Republic, and so-called Luhansk People’s Republic regions of Ukraine); or (iii) otherwise prohibited from receiving services or technology of U.S. origin under applicable export-control, sanctions, or anti-terrorism laws.
4. You must not be listed on the U.S. Specially Designated Nationals and Blocked Persons List, the Sectoral Sanctions Identifications List, the Foreign Sanctions Evaders List, the Denied Persons List, the Entity List, the Unverified List, the Military End User List, or any similar restricted-party list maintained by any U.S. or non-U.S. governmental authority.
5. You must comply with all Applicable Law in connection with your use of the Website, including, without limitation, the U.S. Foreign Corrupt Practices Act of 1977, the U.K. Bribery Act 2010, the U.S. Bank Secrecy Act and its implementing regulations, and applicable anti-money-laundering, counter-terrorist-financing, and anti-bribery laws.

By accessing or using the Website, you continuously represent and warrant that you satisfy each of the foregoing eligibility requirements. Bloque reserves the right, in its sole discretion, to verify any of the foregoing and to refuse, suspend, or terminate access to the Website by any person who does not satisfy these requirements.

6. License to Access the Website

Subject to your continuous compliance with these Terms, Bloque hereby grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable, non-assignable license to access and view the Website and the Content displayed on it, solely for your personal, internal, lawful, and non-commercial informational purposes, or for the legitimate purpose of evaluating the Services with a view to entering into a Service Agreement. The foregoing license does not include, and you are not authorized to engage in, any of the following without Bloque’s prior written consent:

1. resell, lease, license, sublicense, redistribute, mirror, publicly display, publicly perform, or otherwise commercially exploit the Website or any Content, in whole or in part;
2. collect, scrape, harvest, index, cache, archive, or otherwise extract data or Content from the Website, whether by means of any robot, spider, crawler, scraper, automated agent, large-language-model agent, browser extension, or any other automated or manual means or process;
3. use the Website or any Content for the benefit of any commercial enterprise that competes, directly or indirectly, with Bloque, including, without limitation, for benchmarking, competitive analysis, product development, or feature replication;
4. frame, mirror, embed, or otherwise present any portion of the Website on any other website or service, or otherwise incorporate the Website or its Content into any other product or service;
5. remove, obscure, alter, or destroy any copyright, trademark, or other proprietary-rights notices appearing on or in the Website or any Content; or
6. use the Website in any manner inconsistent with these Terms, the documentation made available by Bloque, or Applicable Law.

All rights, title, and interest in and to the Website and the Content not expressly granted to you in these Terms are reserved by Pagos Cube LLC and its licensors.

7. Prohibited Conduct

Without limiting Section 6, you agree that you will not, and will not authorize, instruct, induce, or permit any third party to:

1. use the Website in any manner that violates Applicable Law, any applicable industry code or self-regulatory framework, or these Terms;
2. reverse engineer, decompile, disassemble, decrypt, translate, or otherwise attempt to derive or reconstruct the source code, underlying ideas, file formats, algorithms, models, schemas, weights, training data, or structure of the Website or any software, machine-learning model, or service made available through the Website, except solely to the extent (and only to the extent) that such restriction is expressly prohibited by Applicable Law;
3. use any output of the Website (including, without limitation, scraped Content, observed responses, model outputs, or behavioral data) to train, fine-tune, evaluate, benchmark, or develop any machine-learning model, large language model, agent system, or other artificial-intelligence system, whether or not such system competes with the Services;
4. interfere with, disrupt, degrade, or impair the integrity, availability, performance, or security of the Website or any associated systems, networks, or accounts, including, without limitation, by transmitting any virus, worm, trojan horse, ransomware, spyware, time bomb, logic bomb, or other malicious code, or by launching any denial-of-service, distributed denial-of-service, or similar attack;
5. probe, scan, or test the vulnerability of the Website, or breach or attempt to breach any authentication, authorization, encryption, integrity, or security measure of the Website, except pursuant to a written authorized-vulnerability-disclosure agreement with Bloque;
6. attempt to gain unauthorized access to the Website, any server, computer system, application programming interface, data store, network, or account associated with the Website, or any other User’s information or Account;
7. use any data-mining, scraping, robot, spider, crawler, agent, application programming interface call, or other automated means or process to access the Website for any purpose, except for the limited purpose of indexing publicly available pages by lawful search engines that respect Bloque’s robots-exclusion directives;
8. use the Website to harvest, collect, or assemble any information or data regarding other Users, employees, contractors, customers, or partners of Bloque without the express written consent of the relevant individual or entity and of Bloque;
9. post, transmit, upload, or distribute, through or in connection with the Website, any Content that is unlawful, defamatory, libelous, slanderous, obscene, pornographic, indecent, lewd, vulgar, harassing, threatening, intimidating, abusive, hateful, racially or ethnically offensive, sexually exploitative of minors, fraudulent, deceptive, misleading, or otherwise objectionable, or that infringes or misappropriates any third party’s Intellectual Property Rights, rights of privacy or publicity, or contractual rights;
10. impersonate any person or entity, or misrepresent your identity, age, qualifications, or affiliation with any person or entity, including, without limitation, any Bloque employee, officer, or representative;
11. use the Website in violation of, or in a manner that causes Bloque to violate, any economic-sanctions, export-control, anti-money-laundering, counter-terrorist-financing, anti-bribery, or anti-corruption law; or
12. engage in any other conduct that, in Bloque’s reasonable judgment, exposes Bloque, any User, or any third party to legal, regulatory, financial, reputational, or operational risk.

Bloque reserves the right, but does not undertake any obligation, to investigate any suspected violation of this Section 7 and to take such action as Bloque deems appropriate, including, without limitation, suspending or terminating your access to the Website, reporting suspected unlawful activity to law-enforcement authorities, and cooperating with such authorities.

8. Account Registration and Information Submissions

If you elect to create an Account, request a quote (including, without limitation, through the quote-generation tool available at https://quote.bloque.app), download the Bloque CLI or macOS application, request access to the Bloque SDK or Bloque MCP Server, or submit information through any form on the Website, you agree to:

1. provide true, accurate, current, and complete information about yourself, your organization (where applicable), and your intended use of the Services;
2. maintain and promptly update such information so that it remains true, accurate, current, and complete at all times;
3. maintain the strict security and confidentiality of any credentials, passwords, secret keys, publishable keys, client secrets, application programming interface tokens, JSON Web Tokens, or similar access tokens issued to you by Bloque, and not share such credentials with any unauthorized person;
4. be solely responsible for all activities that occur under your Account or that are otherwise undertaken using your credentials, whether or not authorized by you;
5. promptly notify Bloque in writing of any actual or suspected unauthorized access to or use of your Account or credentials, or any other actual or suspected security incident affecting your Account; and
6. cooperate reasonably with Bloque’s investigation of any such incident.

Bloque reserves the right, in its sole discretion and with or without notice or liability, to refuse to register any User, to require additional information or documentation, to suspend or disable any Account, or to require the User to choose a different username or other identifier.

9. Intellectual Property of Bloque

The Website and all Content, including, without limitation, all text, graphics, user interfaces, visual interfaces, photographs, illustrations, animations, audio and video components, trademarks, service marks, logos, slogans, taglines, look and feel, design elements, software, source and object code, application programming interfaces, software development kits, documentation, schemas, data models, structure, sequence, organization, selection, coordination, expression, and arrangement (collectively, the “Bloque Materials”), are and shall remain the exclusive property of Pagos Cube LLC, its Affiliates, or their respective licensors, and are protected by U.S. and international copyright, trademark, trade dress, patent, trade secret, and other Intellectual Property Rights laws and treaties.

“Bloque,” the Bloque word mark, the Bloque logo, “Pagos Cube,” “Bricks,” “Bre-B” (where used in association with Bloque’s Services), and any other Bloque product names, feature names, slogans, and trade dress appearing on the Website (collectively, the “Bloque Marks”) are trademarks, service marks, or registered trademarks of Pagos Cube LLC or its Affiliates. You are not granted, by these Terms or otherwise, any right or license, whether by implication, estoppel, exhaustion, acquiescence, or otherwise, to use any of the Bloque Marks, and any unauthorized use is strictly prohibited. All other trademarks, service marks, logos, and trade names appearing on or referenced through the Website are the property of their respective owners and are used solely for identification purposes; such use does not imply any endorsement of, sponsorship of, or affiliation with Bloque by such third parties, or by Bloque of such third parties.

10. User Content; Testimonial, Name, Image, and Likeness License

10.1 Submission of User Content

From time to time, you may have the opportunity to provide, contribute, or submit User Content to or through the Website or through other channels of communication with Bloque, including, without limitation, by e-mail correspondence, written or recorded testimonials, video or audio interviews, customer-success programs, beta and design-partner programs, case-study participation, conference and event participation, social-media posts tagging or mentioning Bloque or any Bloque Mark, written or oral feedback during product-development calls, public reviews or ratings on third-party platforms, recommendations or endorsements (whether solicited or unsolicited), and other communications.

10.2 Grant of License to Pagos Cube LLC

License grant. By submitting, providing, posting, transmitting, communicating, or otherwise making available any User Content to or in connection with Bloque, you hereby irrevocably grant Pagos Cube LLC, on behalf of itself and its Affiliates, successors, assigns, licensees, and sublicensees, a perpetual, irrevocable, worldwide, non-exclusive, fully paid-up, royalty-free, transferable, and sublicensable (through multiple tiers) license and right to:

1. use, host, store, archive, cache, reproduce, distribute, transmit, publish, publicly perform, publicly display, broadcast, communicate to the public, make available, exhibit, market, advertise, promote, and otherwise exploit such User Content, in whole or in part;
2. modify, edit, adapt, translate, abridge, expand, combine, re-format, re-master, dub, subtitle, caption, frame, watermark, and create derivative works based upon such User Content, including, without limitation, for length, clarity, consistency, or context, provided that Bloque shall not make any modification that materially alters the substantive meaning of any factual statement or testimonial; and
3. use your name, business name, employer, professional title, signature, photographic and other visual likeness, video likeness, voice, recorded performance, biographical information, social-media handles, and the logos and trade names of your employer or affiliated entity (subject to your separate confirmation of the rights described in Section 10.5), in connection with any of the foregoing.

The license granted in this Section 10.2 covers all media, formats, technologies, distribution channels, and platforms, whether now known or hereafter developed, throughout the universe, in perpetuity, including, without limitation, the Website; printed and electronic marketing collateral; investor and fundraising materials, pitch decks, data rooms, and analyst briefings; press releases and media-relations communications; case studies and white papers; sales-enablement materials; podcasts, webinars, and audio programming; video productions, including paid social-media advertising; product demonstrations and customer-facing user interfaces; trade-show, conference, and event materials; print, out-of-home, and digital advertising; and Bloque’s profiles, pages, channels, and posts on third-party platforms (including, without limitation, LinkedIn, X (formerly Twitter), YouTube, Instagram, TikTok, Threads, Facebook, GitHub, and Substack).

10.3 No Compensation; No Obligation to Use; Right to Remove

You acknowledge and agree that (a) Bloque is under no obligation to use any User Content, and may decline, in its sole discretion, to use any portion thereof; (b) you will not be entitled to any compensation, royalty, residual payment, accounting, attribution, credit, or other consideration in connection with Bloque’s use, non-use, or removal of any User Content, except as may be expressly agreed in a separate written instrument signed by an authorized signatory of Bloque; and (c) Bloque may, in its sole discretion and at any time, modify, edit, redact, anonymize, remove, withdraw, or cease using any User Content, without notice or liability to you.

10.4 Effect of FTC Endorsement Guides

Where User Content constitutes an endorsement or testimonial within the meaning of the U.S. Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising, 16 C.F.R. Part 255, you represent that the User Content reflects your honest opinions, findings, beliefs, or experience, and that you have disclosed (or will, upon request, disclose) to Bloque any material connection between you and Bloque (including, without limitation, any commercial, consulting, employment, beta-access, free-product, or compensation arrangement) so that Bloque may make any disclosures required by such Guides. You agree to cooperate with Bloque, including by reviewing and confirming the accuracy of any disclosure, as Bloque may reasonably request.

10.5 Representations, Warranties, and Covenants Regarding User Content

You hereby represent, warrant, and covenant to Bloque that:

1. you are the sole and exclusive owner of, or have obtained from all relevant third parties all necessary rights, licenses, consents, permissions, releases, and waivers in respect of, all User Content and all elements thereof, including, without limitation, the name, image, likeness, voice, signature, performance, biographical information, employer name, employer logo, social-media handle, and any other rights of any person, persona, brand, character, work, or property appearing in or embodied in the User Content;
2. where the User Content is provided in connection with, or includes information regarding, an employer or organization with which you are affiliated, you have the requisite authority (including, where required, the written authority of an authorized representative of such employer or organization) to grant the licenses set forth in Section 10.2, and that Bloque is entitled to rely on such authority without further inquiry;
3. any testimonial, endorsement, statement, or factual claim contained in the User Content is true, accurate, and not misleading, reflects your honest opinions and experience, and is supported by competent and reliable evidence to the extent required by Applicable Law;
4. the User Content does not, and Bloque’s use of the User Content as contemplated by these Terms will not, (i) violate any Applicable Law, (ii) infringe, misappropriate, or otherwise violate any Intellectual Property Right, right of privacy, right of publicity, contractual right, or other right of any third party, or (iii) contain any defamatory, obscene, harassing, or otherwise unlawful material; and
5. you will not assert against Bloque or any of its licensees, sublicensees, partners, agents, customers, investors, or end-users any claim arising out of or related to Bloque’s use of the User Content as contemplated by these Terms.

10.6 Waiver of Moral Rights; Release of Publicity, Privacy, and Related Claims

To the maximum extent permitted by Applicable Law, you hereby (a) irrevocably waive, in favor of Pagos Cube LLC and its licensees and sublicensees, any and all so-called “moral rights,” “droit moral,” rights of attribution, rights of integrity, rights to be identified as the author, and similar rights that you may now have or hereafter acquire in or to the User Content under the laws of any jurisdiction; and (b) irrevocably and unconditionally release, acquit, and forever discharge the Bloque Parties from any and all claims, demands, actions, suits, proceedings, liabilities, losses, costs, damages, and expenses of every kind and nature, whether known or unknown, suspected or unsuspected, foreseen or unforeseen, arising out of or related to Bloque’s use, non-use, modification, or distribution of the User Content as contemplated by these Terms, including, without limitation, claims for invasion of privacy, intrusion upon seclusion, public disclosure of private facts, false light, defamation, libel, slander, right of publicity, right of personality, misappropriation of name or likeness, breach of confidence, breach of contract, unfair competition, deceptive trade practices, and infringement of copyright, trademark, or other Intellectual Property Rights.

10.7 Survival

The rights and licenses granted, the representations, warranties, and covenants made, and the releases and waivers given by you under this Section 10 shall survive the termination or expiration of these Terms, the cessation of your use of the Website, and any other termination of the relationship between you and Bloque.

11. Feedback

If you provide Bloque or any of its representatives with any suggestions, comments, enhancement requests, recommendations, ideas, proposals, designs, code, prototypes, or other feedback regarding the Website, the Services, the Content, or any aspect of Bloque’s business or operations (collectively, “Feedback”), you hereby irrevocably assign and transfer to Pagos Cube LLC all right, title, and interest in and to such Feedback, including all Intellectual Property Rights therein, and Bloque shall be free to use, disclose, reproduce, license, distribute, modify, commercialize, and otherwise exploit such Feedback for any purpose, without restriction, attribution, accounting, or compensation to you. Feedback is provided to Bloque on an “as is” basis and without any warranty of any kind.

12. Privacy

Your access to and use of the Website are also governed by Bloque’s Privacy Policy, available at https://www.bloque.app/privacy, as the same may be amended from time to time. The Privacy Policy is incorporated into these Terms by reference. By accessing or using the Website, you acknowledge that you have read the Privacy Policy and consent to Bloque’s collection, use, storage, transfer, and disclosure of information (including, where applicable, the international transfer of personal data) as described in the Privacy Policy.

13. Third-Party Links, Services, and Content

The Website may contain links to, or interoperate with, third-party websites, services, platforms, advertisements, applications, application programming interfaces, software libraries, repositories, or content (collectively, “Third-Party Services”). Third-Party Services are not owned or controlled by Bloque, and Bloque is not responsible for the availability, accuracy, reliability, completeness, timeliness, content, products, services, terms of use, privacy practices, or security of any Third-Party Service. The inclusion of any link to, or interoperation with, a Third-Party Service does not constitute Bloque’s endorsement, sponsorship, or recommendation of such Third-Party Service. Your interactions with, transactions with, and reliance upon any Third-Party Service are solely between you and the relevant third party, and you assume all risks associated therewith.

14. Beta and Pre-Release Offerings

Certain features, products, programs, services, or functionality accessible from, or referenced on, the Website may be designated as “alpha,” “beta,” “preview,” “early access,” “design partner,” “pilot,” “experimental,” “developer preview,” or by similar terms (collectively, “Beta Offerings”). Beta Offerings are made available on an “as is,” “as available,” and “with all faults” basis, may contain known and unknown errors, defects, instabilities, and security vulnerabilities, may be modified, suspended, or discontinued at any time without notice, are not subject to any service-level agreement, availability commitment, or support commitment, and may not be relied upon for production use. Bloque makes no representations or warranties of any kind regarding Beta Offerings, and your access to and use of Beta Offerings is at your sole and exclusive risk.

15. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

1. THE WEBSITE, THE CONTENT, AND ALL MATERIALS AND INFORMATION MADE AVAILABLE THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.
2. THE BLOQUE PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, WITH RESPECT TO THE WEBSITE AND THE CONTENT, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, ACCURACY, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.
3. WITHOUT LIMITING THE FOREGOING, BLOQUE DOES NOT WARRANT THAT (I) THE WEBSITE WILL BE AVAILABLE, UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (II) THE INFORMATION, CONTENT, DOCUMENTATION, PRICING, OR OTHER MATERIALS APPEARING ON THE WEBSITE WILL BE ACCURATE, COMPLETE, RELIABLE, OR CURRENT; (III) ANY ERRORS, DEFECTS, OR BUGS WILL BE CORRECTED; OR (IV) THE WEBSITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
4. ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, MOBILE DEVICE, OR OTHER PROPERTY, OR FOR ANY LOSS OF DATA, RESULTING FROM SUCH DOWNLOAD OR ACCESS.
5. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM BLOQUE OR THROUGH THE WEBSITE, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
6. INFORMATION REGARDING THE SERVICES APPEARING ON THE WEBSITE IS DESCRIPTIVE AND MARKETING IN NATURE. THE ACTUAL TERMS, FUNCTIONALITY, AVAILABILITY, AND PERFORMANCE OF ANY SERVICE ARE GOVERNED EXCLUSIVELY BY THE APPLICABLE SERVICE AGREEMENT, NOT BY THESE TERMS.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain rights of consumers. Accordingly, some of the foregoing exclusions or limitations may not apply to you to the extent prohibited by Applicable Law.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

1. IN NO EVENT SHALL ANY OF THE BLOQUE PARTIES BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, MULTIPLE, OR ENHANCED DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST OPPORTUNITY, LOST DATA, LOSS OF USE, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COST OF SUBSTITUTE GOODS OR SERVICES, OR COVER, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO, USE OF, OR INABILITY TO ACCESS OR USE, THE WEBSITE OR ANY CONTENT, OR ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL OR EQUITABLE THEORY, AND WHETHER OR NOT BLOQUE HAS BEEN ADVISED OF, KNEW OF, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.
2. THE AGGREGATE LIABILITY OF THE BLOQUE PARTIES TO YOU FOR ALL CLAIMS, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR OTHERWISE) ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF THE WEBSITE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (I) ONE HUNDRED U.S. DOLLARS (US$100); OR (II) THE AGGREGATE AMOUNT, IF ANY, ACTUALLY PAID BY YOU TO BLOQUE FOR ACCESS TO THE WEBSITE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT FIRST GIVING RISE TO THE CLAIM.
3. THE LIMITATIONS AND EXCLUSIONS SET FORTH IN THIS SECTION 16 SHALL APPLY (I) NOTWITHSTANDING THE FAILURE OF ANY ESSENTIAL PURPOSE OF ANY LIMITED REMEDY; (II) WHETHER OR NOT THE BLOQUE PARTIES HAD OR SHOULD HAVE HAD KNOWLEDGE OF THE POSSIBILITY OF SUCH DAMAGES; AND (III) REGARDLESS OF THE BASIS OR FORM OF ACTION.
4. NOTHING IN THIS SECTION 16 SHALL OPERATE TO LIMIT OR EXCLUDE ANY LIABILITY THAT, UNDER APPLICABLE LAW, MAY NOT BE LIMITED OR EXCLUDED, INCLUDING, WHERE APPLICABLE, LIABILITY FOR FRAUD, FRAUDULENT MISREPRESENTATION, OR WILLFUL MISCONDUCT, OR ANY OTHER LIABILITY THAT MAY NOT BE LIMITED OR EXCLUDED BY OPERATION OF LAW.
5. YOU AND BLOQUE EACH ACKNOWLEDGE AND AGREE THAT THE LIMITATIONS, EXCLUSIONS, AND ALLOCATIONS OF RISK SET FORTH IN THESE TERMS, INCLUDING IN THIS SECTION 16 AND IN SECTION 15 (DISCLAIMERS), ARE A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND BLOQUE, THAT BLOQUE WOULD NOT MAKE THE WEBSITE AVAILABLE WITHOUT SUCH LIMITATIONS, EXCLUSIONS, AND ALLOCATIONS, AND THAT THE PRICES (IF ANY) AND OTHER TERMS REFLECT SUCH ALLOCATION.

17. Indemnification

You agree to defend, indemnify, and hold harmless the Bloque Parties from and against any and all claims, demands, suits, actions, proceedings, investigations, losses, liabilities, damages, settlements, judgments, awards, penalties, fines, costs, and expenses (including reasonable attorneys’ fees, expert-witness fees, and court costs) (collectively, “Losses”) arising out of, related to, or in connection with: (a) your breach or alleged breach of these Terms, including, without limitation, your representations, warranties, or covenants hereunder; (b) your access to or use of the Website (including any access or use by any person using your credentials, whether or not authorized by you); (c) your User Content, including, without limitation, any claim that any User Content, or Bloque’s use of any User Content as permitted by Section 10, infringes, misappropriates, or otherwise violates any Intellectual Property Right, right of privacy, right of publicity, or other right of any third party; (d) your violation or alleged violation of any Applicable Law; or (e) your violation or alleged violation of any third party’s rights. Bloque reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you shall fully cooperate with Bloque in asserting any available defenses, shall not settle any such matter without Bloque’s prior written consent, and shall pay all reasonable costs incurred by Bloque in connection with such matter.

18. Modifications to These Terms

Bloque reserves the right, in its sole discretion, to modify, amend, supplement, or replace these Terms at any time and from time to time. Bloque will post the revised Terms on the Website and will update the “Last Updated” date at the top of these Terms. Where Bloque makes material changes, Bloque will provide reasonable notice of such changes through the Website or by other reasonable means, which may include, without limitation, a banner on the Website, an e-mail to the address (if any) you have provided, or a notification within an Account. Your continued access to or use of the Website following the effective date of any modification constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must cease using the Website.

19. Suspension and Termination

Bloque may, in its sole discretion and without prior notice or liability, suspend, restrict, or terminate your access to all or any part of the Website, with or without cause, at any time. Without limiting the foregoing, Bloque may suspend or terminate access if Bloque believes, in good faith, that (a) you have violated these Terms, (b) you have engaged in conduct that may expose Bloque, the Website, any User, or any third party to legal, regulatory, financial, security, or reputational risk, or (c) such suspension or termination is required by Applicable Law or by any governmental or regulatory authority. Upon termination, your right to access and use the Website shall immediately cease. All provisions of these Terms that by their nature should survive termination (including, without limitation, Section 9 (Intellectual Property of Bloque), Section 10 (User Content), Section 11 (Feedback), Section 15 (Disclaimers), Section 16 (Limitation of Liability), Section 17 (Indemnification), Section 21 (Governing Law), Section 22 (Dispute Resolution), and the miscellaneous provisions) shall so survive.

20. Export Controls and Economic Sanctions

The Website and certain Content may be subject to U.S. and non-U.S. export-control and economic-sanctions laws and regulations, including, without limitation, the U.S. Export Administration Regulations (15 C.F.R. Parts 730–774), the International Traffic in Arms Regulations (22 C.F.R. Parts 120–130), the sanctions regulations administered by OFAC, the EU Dual-Use Regulation (Regulation (EU) 2021/821), and U.K. export-control laws. You represent, warrant, and covenant that you will comply with all such laws and regulations, including, without limitation, by (a) not exporting, re-exporting, transferring, or otherwise making available, directly or indirectly, the Website or any Content to any person, entity, or destination prohibited under such laws; and (b) not using the Website or any Content for any purpose prohibited under such laws, including, without limitation, the development, production, or use of nuclear, chemical, biological, or missile weapons.

21. Governing Law

These Terms and the rights and obligations of the parties hereunder, and all non-contractual obligations arising out of or in connection with these Terms or your access to or use of the Website, shall be governed by, and construed and enforced in accordance with, the substantive laws of the State of Wyoming, U.S.A., without regard to any choice-of-law, conflict-of-laws, or “most-significant-relationship” doctrine, principle, or rule (whether of the State of Wyoming or of any other jurisdiction) that would or might cause the application of the laws of any jurisdiction other than the State of Wyoming. The United Nations Convention on Contracts for the International Sale of Goods is expressly excluded and shall not apply to these Terms. The Uniform Computer Information Transactions Act, as enacted in any jurisdiction, shall not apply to these Terms.

22. Dispute Resolution; Binding Arbitration; Class-Action and Jury-Trial Waivers

PLEASE READ THIS SECTION CAREFULLY. It affects rights that you would otherwise have. It provides for resolution of most disputes through binding individual arbitration rather than court trials or class actions.

22.1 Informal Dispute Resolution

Before commencing any formal proceeding, the parties shall first endeavor in good faith to resolve any dispute, claim, controversy, or cause of action arising out of or related to these Terms, the Website, or the relationship between you and Bloque (each, a “Dispute”) through informal negotiation. A party seeking to commence such informal negotiation shall send written notice to the other party describing the nature and basis of the Dispute and the specific relief requested. The parties shall negotiate in good faith for a period of at least sixty (60) days following such notice. If the parties are unable to resolve the Dispute within such period, either party may commence arbitration in accordance with Section 22.2.

22.2 Binding Individual Arbitration

Except as set forth in Section 22.4, any Dispute that is not resolved through informal negotiation shall be finally and exclusively resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules and, where applicable, the AAA Consumer Arbitration Rules then in effect (collectively, the “AAA Rules”). The arbitration shall be conducted by a single, neutral arbitrator selected in accordance with the AAA Rules. The seat (legal place) of the arbitration shall be Cheyenne, Laramie County, Wyoming, and the language of the arbitration shall be English. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of these Terms, including any claim that all or any part of these Terms is void or voidable. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. The arbitrator shall apply the substantive law of the State of Wyoming and shall be empowered to award any relief that would be available in a court of law.

22.3 Class-Action Waiver; Jury-Trial Waiver

YOU AND BLOQUE EACH HEREBY AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY DISPUTE BETWEEN YOU AND BLOQUE, WHETHER IN ARBITRATION OR IN COURT, SHALL BE BROUGHT AND PROSECUTED ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE, OR PRIVATE-ATTORNEY-GENERAL ACTION OR PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE, COLLECTIVE, OR CLASS PROCEEDING. YOU AND BLOQUE EACH KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVE ANY AND ALL RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OR THE WEBSITE.

22.4 Exceptions; Equitable Relief; Small Claims

Notwithstanding Section 22.2, either party may bring an individual action in a court of competent jurisdiction for: (a) claims of infringement or misappropriation of patents, copyrights, trademarks, or trade secrets; (b) applications for emergency, preliminary, temporary, or other equitable or injunctive relief, including, without limitation, to protect Intellectual Property Rights or Confidential Information; and (c) any individual claim that qualifies for adjudication in any applicable small-claims court.

22.5 Forum and Venue for Non-Arbitrable Matters

For any Dispute that is not subject to arbitration under Section 22.2 (including, without limitation, the matters described in Section 22.4 and any judicial proceeding to compel arbitration, to enforce an award, or to obtain provisional relief in aid of arbitration), the parties hereby irrevocably consent and submit to the exclusive personal jurisdiction of, and venue in, the state and federal courts located in Laramie County, Wyoming, U.S.A., and waive any objection to such jurisdiction or venue on the grounds of forum non conveniens or otherwise.

22.6 Statute of Limitations

Any cause of action, claim, or proceeding arising out of or related to these Terms or your access to or use of the Website must be commenced within one (1) year after the cause of action accrues. Otherwise, such cause of action, claim, or proceeding is permanently barred. This limitation is in addition to, and shall not extend, any shorter limitations period that may apply under Applicable Law.

22.7 Severability of Arbitration Provisions

If the class-action waiver in Section 22.3 is found to be unenforceable as to a particular claim or remedy, then that claim or remedy (and only that claim or remedy) shall be severed from arbitration and brought in a court of competent jurisdiction pursuant to Section 22.5, and all other claims shall continue to be arbitrated. If any other provision of this Section 22 is found to be unenforceable, the unenforceable provision shall be severed and the remaining provisions shall continue in full force and effect.

23. Force Majeure

Bloque shall not be liable for any failure or delay in performance under these Terms (other than payment obligations, if any) to the extent such failure or delay is caused by circumstances beyond Bloque’s reasonable control, including, without limitation, acts of God; natural disasters (including earthquakes, hurricanes, floods, wildfires, and extreme weather); pandemics, epidemics, and other public-health emergencies; war (whether declared or undeclared); armed conflict; terrorist acts; civil unrest, riot, or insurrection; governmental action, embargo, sanction, or order; labor disputes or strikes; failure or unavailability of Internet, telecommunications, electrical-grid, cloud-computing, or other utility services; failure or unavailability of third-party services or suppliers; supply-chain disruptions; failures or congestion of blockchain or stablecoin networks; cyber-attacks, denial-of-service attacks, ransomware events, or other malicious activity; and similar events.

24. Notices

Any notice to Bloque under these Terms shall be in writing in the English language and shall be sent to Pagos Cube LLC at the address set forth in Section 32 (Contact Information), or by electronic-mail to hi@bloque.team (or such other address as Bloque may from time to time designate by posting on the Website). Notices to you may be sent by electronic-mail to the address associated with your Account (where applicable), by posting on the Website, or by any other reasonable means. Notices shall be deemed given (a) when received, if delivered by hand or by recognized overnight courier; (b) three (3) business days after mailing, if sent by registered or certified mail, return receipt requested; or (c) on the day sent, if delivered by electronic-mail (absent automated evidence of non-delivery).

25. Electronic Communications, Signatures, and Records

You consent to receive communications from Bloque in electronic form, and you agree that all agreements, notices, disclosures, and other communications that Bloque provides to you electronically satisfy any legal requirement that such communications be in writing. You further acknowledge and agree that (a) clicking an “I agree” button or its functional equivalent, accessing the Website after notice of these Terms, or taking other action manifesting assent to these Terms, constitutes a valid electronic signature for purposes of the U.S. Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.), the Uniform Electronic Transactions Act, and any other applicable law; and (b) electronic records of these Terms and of your acceptance hereof shall be admissible in evidence in any judicial, arbitral, or administrative proceeding.

26. Assignment

You may not assign, delegate, transfer, or otherwise dispose of these Terms or any of your rights or obligations hereunder, in whole or in part, whether voluntarily, involuntarily, by operation of law, or otherwise, without Bloque’s prior written consent. Any purported assignment, delegation, or transfer in violation of this Section 26 shall be null and void ab initio. Bloque may freely assign, delegate, transfer, or otherwise dispose of these Terms and its rights and obligations hereunder, in whole or in part, without your consent and without notice to you, including, without limitation, in connection with any merger, consolidation, reorganization, sale of all or substantially all of its assets, change of control, or assignment to any Affiliate. Subject to the foregoing, these Terms shall be binding upon and inure to the benefit of the parties hereto and their respective successors and permitted assigns.

27. Relationship of the Parties

These Terms do not, and shall not be construed to, create any partnership, joint venture, agency, employment, fiduciary, or franchise relationship between you and Bloque. Neither party has the authority to bind the other or to incur any obligation on the other’s behalf, and neither party shall hold itself out as having any such authority.

28. Severability

If any provision of these Terms is held by an arbitrator or a court of competent jurisdiction to be invalid, illegal, or unenforceable in any respect, such provision shall be modified to the minimum extent necessary to render it valid, legal, and enforceable while preserving the parties’ original intent to the maximum extent permitted by Applicable Law; or, if such modification is not possible, severed from these Terms. The remaining provisions of these Terms shall continue in full force and effect.

29. No Waiver

No failure or delay by either party in exercising any right, power, privilege, or remedy under these Terms shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power, privilege, or remedy preclude any other or further exercise thereof or the exercise of any other right, power, privilege, or remedy. The waiver by either party of any breach or default by the other party shall not be deemed a waiver of any subsequent breach or default. Any waiver must be in a writing signed by an authorized representative of the waiving party to be effective.

30. Entire Agreement

These Terms, together with the Privacy Policy and any other documents expressly incorporated herein by reference, constitute the entire agreement between you and Bloque with respect to the subject matter hereof and supersede all prior or contemporaneous understandings, agreements, representations, warranties, and communications, whether oral or written, with respect to such subject matter. For the avoidance of doubt, these Terms do not amend, modify, supersede, or replace any Service Agreement, which is a separate, independent, and binding contract governing the provision of the applicable Service.

31. Headings; Interpretation; Language

Section headings used in these Terms are for convenience of reference only and shall not affect the interpretation hereof. The words “include,” “includes,” and “including” shall be deemed to be followed by the words “without limitation.” References to any statute, regulation, or rule include any successor statute, regulation, or rule. References to a “party” mean a party to these Terms, and references to “parties” mean both parties. Words denoting the singular shall include the plural and vice versa. These Terms have been drafted in the English language. If these Terms are translated into any other language for convenience, the English-language version shall control in the event of any conflict, ambiguity, or inconsistency.

32. Contact Information

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

Pagos Cube LLC
30 N Gould St, Ste R
Sheridan, WY 82801
Attention: Legal Department
E-mail: hi@bloque.team
General inquiries: hi@bloque.team

Acknowledgment

BY ACCESSING OR USING THE WEBSITE, YOU ACKNOWLEDGE THAT (1) YOU HAVE READ THESE TERMS OF USE; (2) YOU UNDERSTAND THEM; (3) YOU AGREE TO BE BOUND BY THEM; AND (4) YOU SPECIFICALLY ACKNOWLEDGE THE LICENSE GRANTED TO PAGOS CUBE LLC OVER YOUR USER CONTENT, NAME, IMAGE, LIKENESS, AND TESTIMONIALS UNDER SECTION 10, THE DISCLAIMERS UNDER SECTION 15, THE LIMITATION OF LIABILITY UNDER SECTION 16, THE GOVERNING-LAW PROVISION UNDER SECTION 21, AND THE MANDATORY-ARBITRATION, CLASS-ACTION-WAIVER, AND JURY-TRIAL-WAIVER PROVISIONS UNDER SECTION 22.