Terms of Service

IMPORTANT: By creating an account, accessing, or using MewCash (the "Platform"), You agree to be bound by this Member Handbook, which includes the Terms of Service (collectively, the "Agreement"). This Agreement contains a mandatory Individual Arbitration provision and Class Action Waiver in Section 1.12. You may opt out of arbitration within 30 calendar days of account creation.

AT A GLANCE

Introduction

This single document is Your Member Handbook, Terms of Service, and Privacy Policy combined. It is written in plain English so that every rule is clear and fair—no surprises, no fine print. Specific reward amounts, tier thresholds, and cashout limits are detailed separately in Your Member User Guide, which is incorporated by reference.

Welcome to MewCash! We built this platform so that every time You shop through Our affiliate links, You earn real cashback as MewCoins—Our proprietary loyalty credits. This Handbook is Your single source of truth for understanding the legal relationship between You and MewCash.

Throughout this document, "We," "Our," and "Company" refer to MewCash LLC, a Wyoming Limited Liability Company (Wyo. Stat. § 17-29-101 et seq.). "You" and "Your" refer to You, the Member. "Platform" means the MewCash website, mobile application, APIs, and all related services.

This Agreement is organized into two Chapters. Chapter 1 (Terms of Service) governs Your use of the Platform, Your rights and obligations, Our liability, and how disputes are resolved. Chapter 2 (Privacy Policy) governs how We collect, use, protect, and share Your data. Specific mathematical values—such as tier multipliers, cashout thresholds, commission splits, and reward schedules—are published in the Member User Guide at mewcash.com/guide, which is incorporated into this Agreement by reference.

OUR COMMITMENT

Core Promises

Free to Join, Free to Stay

No Member is required to make any purchase or pay any fee to join, maintain membership, or advance in tier status.

Real Revenue, Real Rewards

All Member rewards derive exclusively from verified external retail transactions via affiliate merchant partnerships. No bonus, coin award, or financial benefit is paid solely for the act of recruiting another Member.

We Never Touch Your Money

MewCash does not hold, control, or transmit Member funds at any point. All USD cashout disbursements are processed by a licensed Money Services Business and money transmitter ("Payment Processor"). MewCash issues payment instructions only.

Retail Predominance

At all times, a majority of MewCash's gross commission revenue derives from purchases by end consumers who are not participants in the referral program, in compliance with FTC guidance and the Koscot/Amway standards.

AT A GLANCE

Acceptance of This Agreement

By using MewCash, You accept these Terms. If You do not agree, do not use the Platform.

By creating an account, accessing, or using any feature of the Platform, You represent and warrant that You have read, understood, and agree to be bound by this Agreement in its entirety, including the mandatory arbitration provision and class action waiver in Section 1.12. If You do not agree to any provision of this Agreement, You must immediately discontinue use of the Platform and deactivate Your account.

This Agreement is effective as of the date You first access or use the Platform and remains in effect until terminated in accordance with its terms.

IMPORTANT

By creating an account, accessing, or using MewCash (the "Platform"), You agree to be bound by this Member Handbook, which includes the Terms of Service (collectively, the "Agreement"). This Agreement contains a mandatory Individual Arbitration provision and Class Action Waiver in Section 1.12. You may opt out of arbitration within 30 calendar days of account creation (see Section 1.12.5).

AT A GLANCE

Key Definitions

Plain-English definitions of the terms used throughout this Agreement. Precision matters when rights and obligations are at stake.

MewCoins

Loyalty award credits issued for qualifying activity within the meaning of 12 C.F.R. § 1005.20(b)(3). MewCoins are not general-use prepaid cards, store gift cards, gift certificates, stored value, e-money, digital currency, cryptocurrency, virtual currency, tokens, or digital assets. MewCoins may only be earned through qualifying activity and cannot be purchased for cash.

Net Commission

The gross affiliate commission paid by a merchant to MewCash, minus applicable network fees, chargebacks, and reversals.

Platform Treasury

The share of Net Commission retained by MewCash for operations, compliance, infrastructure, engagement rewards, and referral bonuses.

Member Base Share

The share of Net Commission allocated to the Member as MewCoin rewards, subject to tier multiplier adjustments. Specific percentages are published in the Member User Guide.

Conditional Hold

A protective freeze on a Member's account triggered by suspicious activity patterns. All Conditional Holds are subject to the Right to Cure process.

System Intelligence

The proprietary derivative insights, behavioral models, fraud scores, cohort classifications, and predictive algorithms that power MewCash's reward optimization and fraud prevention infrastructure.

Identity Graph

The interconnected data structure that links Member activity signals for fraud prevention and reward personalization.

Payment Processor

The licensed Money Services Business (MSB) and money transmitter that executes all USD disbursements on behalf of MewCash. The current Payment Processor is Stripe Connect.

ADMT

Automated Decision-Making Technology, as used for transaction verification, fraud detection, tier calculation, and reward personalization.

Material Amendment

Any change to core economic terms (coin valuation, tier structure, cashout thresholds, lineage bonus structure, or expiry policy) that requires affirmative Member opt-in.

Force Majeure Event

Any event beyond MewCash's reasonable control, including AI model degradation, cloud infrastructure outages, cyberattacks, natural disasters, pandemics, regulatory changes, and acts of government.

Pattern Inconsistency

Behavioral signals that, individually or in combination, deviate materially from patterns expected of genuine consumer transactions. Detection methodology constitutes a Trade Secret of MewCash LLC.

AT A GLANCE

Eligibility & Your Account

You must be 18+ (or the age of majority in Your jurisdiction), use a real identity, verify Your device, and maintain only one account.

Who Can Join

To create a MewCash account, You must be a natural person aged 18 years or older, or the age of majority in Your jurisdiction, whichever is greater. You must provide a valid, unique email address and a verifiable phone number. You must verify a primary device via phone, email, or two-factor authentication (2FA) at account setup. No purchase or fee is required to register, maintain membership, or advance in tier status.

One Account Per Person

Each individual may hold exactly one MewCash account. At registration, We screen Your IP address, device fingerprint, and payment method against existing accounts. If a match is detected, registration may be blocked. If a prior account associated with Your identity vectors was permanently suspended, re-registration on any matching identity vector shall be rejected.

Account Security

You are responsible for maintaining the confidentiality of Your login credentials and for all activity that occurs under Your account. You agree to notify Us immediately of any unauthorized use. MewCash shall not be liable for any loss arising from unauthorized access to Your account unless caused by Our gross negligence.

Account Termination

You may deactivate Your account at any time by contacting [email protected]. MewCash may suspend or terminate Your account for violation of this Agreement, including but not limited to the Fair Play Rules. Upon termination, all Pending and Frozen coins transition to Voided status. Spendable coins remain available for a final cashout request submitted within 30 days of termination notice, subject to all standard cashout eligibility requirements.

AT A GLANCE

What MewCash Is (and Is Not)

MewCash is a software platform that facilitates loyalty cashback. We are not a bank, money transmitter, or financial institution. Your money never passes through Us.

MewCash operates as a commercial affiliate loyalty platform and Software Facilitator. When You make a verified purchase through a MewCash affiliate link, the merchant pays MewCash a commission. MewCash retains a portion of the Net Commission in the Platform Treasury and allocates the remainder to the Member as MewCoin rewards, subject to tier multiplier adjustments as published in the Member User Guide.

MewCash is not a bank, money transmitter, or money services business. MewCash does not hold, control, or transmit Member funds at any point in the cashout flow. All USD cashout disbursements are processed by the Payment Processor, a registered Money Services Business (FinCEN-registered) and licensed money transmitter. MewCash issues payment instructions only. MewCash's regulatory posture relies on the payment processor exemption under 31 C.F.R. § 1010.100(ff)(5)(ii)(B) and the loyalty/award card exemption under 12 C.F.R. § 1005.20(b)(3).

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MewCoins: Legal Classification & Lifecycle

MewCoins are loyalty credits, not money. They pass through defined lifecycle states (Pending, Spendable, Frozen, Escrowed, Cashed Out, Expired, Voided). Specific conversion rates, expiry durations, and reset conditions are in Your Member User Guide.

100

MewCoins = $1.00 USD

Days for purchase verification

Months of inactivity

Legal Classification

MewCoins are loyalty award credits issued for no direct monetary consideration within the meaning of 12 C.F.R. § 1005.20(b)(3). They are not general-use prepaid cards, store gift cards, or gift certificates. MewCoins may only be earned through qualifying activity. MewCoins cannot be purchased for cash.

Conversion Rate Governance

The MewCoin-to-USD conversion rate is published in the Member User Guide. This rate is fixed for all coins earned before any announced change. Any change to the conversion rate constitutes a Material Amendment requiring Member opt-in and advance written notice. Existing coins are grandfathered at the rate in effect at issuance.

Lifecycle States

Every MewCoin transitions through defined states: • Pending: Purchase rewards enter a mandatory cooling-off period. If the underlying purchase is returned or charged back during this period, the coins are voided. Engagement rewards (daily check-ins, streak bonuses) are credited instantly to Spendable. • Spendable: After the cooling-off period (and no reversal), coins become Spendable. You may cash out, gift, or spend them. • Frozen: If Your account is placed on Conditional Hold, all Pending and Spendable coins are frozen until the hold is resolved. • Escrowed: Gifted coins are held in escrow until the recipient completes their first verified transaction, or until the escrow timeout period elapses and coins are returned to the sender. • Cashed Out: Terminal state. Successfully converted to USD and disbursed via the Payment Processor. • Expired: Terminal state. The inactivity expiry clock elapsed without qualifying activity. Expired coins cannot be reinstated. • Voided: Terminal state. Reversed due to fraud, chargeback, account suspension, or policy violation.

Expiration Policy

MewCoins expire after a defined period of inactivity. The expiry clock, reset conditions, qualifying activity thresholds, reset caps, and pre-expiry notification schedule are published in the Member User Guide. When coins expire, Your lifetime earnings are reduced, which may result in tier demotion.

Tax Classification

MewCash segregates all coin issuance into two categories at the record level: Purchase Rewards (derived from verified affiliate purchases, may be treated as purchase price adjustments) and Engagement Rewards (derived from check-in bonuses, streak bonuses, milestone bonuses, first-cashout referral bonuses, and gifted coins, may constitute taxable income under I.R.C. § 61).

MANDATORY DISCLOSURE

MewCoins must never be referred to, marketed, or labeled as "gift cards," "prepaid cards," "stored value," "e-money," "digital currency," "cryptocurrency," "virtual currency," "tokens," or "digital assets." The only permitted terms are: "loyalty credits," "loyalty award credits," "reward credits," "MewCoins," or "cashback rewards."

TAX NOTICE

Certain rewards may be considered taxable income under applicable federal and state tax law. MewCash will issue IRS Form 1099-MISC where required by law. Members are solely responsible for their own tax obligations.

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Tier System

Your tier determines Your cashback multiplier. Advancement requires meeting all qualifying conditions simultaneously. Specific thresholds and multiplier values are in Your Member User Guide.

MewCash operates a multi-tier loyalty system. Each tier provides a cashback multiplier that is applied to the store's base cashback rate. Tier advancement is fully performance-based and requires simultaneously satisfying all qualifying conditions (lifetime earnings, verified transaction count, and verified referral count). Meeting only one or two conditions is insufficient for advancement.

Tiers are recalculated in real time on every verified purchase, new verified referral, cashout event, coin expiry event, referral fraud reversal, and during a daily system audit. If Your lifetime earnings decrease (for example, due to coin expiry), Your tier may be adjusted downward.

A referral is "verified" only when the recruit completes a qualifying purchase within the specified window after registration AND maintains an active account for the required post-purchase period. Suspended or fraud-reversed recruit accounts are immediately deducted from the referrer's referral count, triggering tier recalculation. All specific qualifying thresholds are published in the Member User Guide.

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Cashing Out

When You're ready to convert MewCoins to USD, submit a cashout request. We review it, and a licensed Payment Processor (Stripe Connect) handles the money transfer. We never touch Your funds. Tier-specific minimums, maximums, and activation requirements are in Your Member User Guide.

Cashout Process

The cashout process follows a strict sequence that ensures MewCash never takes custody of Member funds: • Step 1 — Member Request: You submit a cashout request via the Platform. The request enters a review queue. • Step 2 — Administrative Review: A designated team member reviews and approves or rejects the request. Rejected requests return the full coin amount to Your Spendable balance with a written reason. • Step 3 — KYC Verification: The system confirms You have completed Payment Processor onboarding and passed identity verification. • Step 4 — Instruction Dispatch: MewCash transmits a payment instruction (not funds) to the Payment Processor via API. • Step 5 — Processor Execution: The Payment Processor transfers funds from its custodial account to Your designated bank account or payment instrument. • Step 6 — Confirmation: The Processor returns confirmation. MewCash updates Your coin ledger and displays the status.

Cashout Eligibility

To be eligible for cashout, Your account must be in active status. You must have completed all activation requirements, maintained rolling activity, and hold a sufficient Spendable coin balance. Tier-specific minimum and maximum cashout amounts, activation requirements, and rolling activity periods are published in the Member User Guide.

Identity Verification (Stripe Connect KYC)

Before Your first cashout, You must complete Stripe Connect onboarding, which includes government ID validation, address verification, and sanctions screening performed entirely by Stripe. MewCash does not collect, store, or process biometric data. All identity verification data is collected and stored by Stripe under Stripe's Privacy Policy and Terms of Service. Because Stripe Connect handles KYC directly, MewCash is not subject to BIPA (740 ILCS 14), Texas CUBI (Tex. Bus. & Com. Code § 503.001), or other state biometric privacy statutes for the cashout verification flow.

Cashout Transparency

Your dashboard includes a Cashout History tab that displays the status of every request in the pipeline: Pending Review, Approved, Processing, Completed, or Rejected (with written reason). An immediate on-screen confirmation is displayed upon submission.

AT A GLANCE

Fair Play Rules

Play fair and You'll never have an issue. We use automated systems to detect fraud and gaming. If something looks off, We freeze first and ask questions—but You always have the right to explain and cure. Three uncured holds in a rolling period lead to permanent suspension.

The Golden Rules

• Use one account per person. No duplicates, no shared accounts, no aliases. • Only earn rewards from genuine purchases You intend to keep. • Never use bots, scripts, browser extensions, macros, or any automated tool to interact with the Platform. • Never create or use synthetic identities, fabricated payment methods, or falsified verification documents. • Never artificially inflate referral counts through fake accounts or coordinated schemes. • Never exploit pricing errors, merchant glitches, or cashback loopholes to generate rewards that do not reflect genuine consumer transactions. • Never share Family Fast-Track invites outside of eligible immediate family members.

Fair Play & Anti-Arbitrage Policy

MewCash operates as a Software Facilitator—not a bank, money transmitter, or financial institution. To maintain the integrity of the Platform for all Members, the following activities are expressly prohibited and constitute "Cashback Gaming": • Purchase-Return Cycling: Buying items through affiliate links solely to earn MewCoins, then returning the items after the pending period. • Bot-Assisted Clicks: Using any automated software, script, macro, browser extension, or robotic process to generate clicks, referrals, check-ins, or purchases. • Synthetic Identity Creation: Fabricating identities, using identity generators, or creating fictitious personas to register multiple accounts or inflate referral networks. • Coordinated Arbitrage Rings: Organizing or participating in groups that systematically exploit commission structures, referral bonuses, or promotional offers through coordinated purchasing patterns. • Merchant Collusion: Collaborating with a merchant or merchant employee to fabricate, inflate, or misattribute transactions.

Pattern Inconsistency & Enforcement

MewCash reserves the absolute and irrevocable right to void all pending and spendable rewards, freeze accounts, and permanently suspend any Member whose activity exhibits Pattern Inconsistency. This right shall be exercised in MewCash's sole discretion and without prior notice where immediate action is required to prevent ongoing harm to the Platform, its merchant partners, or other Members.

Conditional Hold & Right to Cure

When behavioral signals breach automated thresholds, a Conditional Hold is applied to Your account. When a Conditional Hold is applied: • All Pending and Spendable coins are immediately frozen. • Cashout requests are blocked. • You receive written notice within 24 hours, including the reason for the hold and instructions for the cure process. • You have a 14-day Right to Cure window to provide additional verification or appeal via the in-app dispute form. • A human compliance officer reviews Your appeal within 5 business days and communicates the outcome in writing. If the hold is successfully cured, all frozen coins return to their prior state and the hold is not counted as "uncured" for repeat-fraud purposes.

Escalation to Permanent Suspension

Permanent suspension is triggered by accumulating the required number of Conditional Holds within the specified rolling period, provided that at least one hold was NOT successfully cured or appealed. We will never permanently suspend You solely based on false-positive detections that You successfully cleared. This safeguard ensures compliance with the "unfair" act standard under UDAAP (12 U.S.C. § 5531; Dodd-Frank § 1031). Upon permanent suspension, all Frozen and Pending coins transition to Voided (terminal state). You are notified in writing with a right to appeal within 30 days.

ENFORCEMENT NOTICE

This enforcement mechanism satisfies FinCEN Anti-Money Laundering (AML) reporting standards under the Bank Secrecy Act (31 U.S.C. § 5311 et seq.) and ensures the Platform's compliance with federal financial regulatory requirements without incurring liability. Pattern Inconsistency detection methodology constitutes a Trade Secret of MewCash LLC.

AT A GLANCE

ADMT Notice

We use Automated Decision-Making Technology to verify transactions, detect fraud, calculate tiers, and personalize Your experience. You have the right to a general explanation of how ADMT affected any decision about Your account. The specific algorithmic weights are Trade Secrets.

ADMT Applications

MewCash uses Automated Decision-Making Technology in the following areas: • Transaction Verification: Our AI validates purchase data from merchant webhooks, reconciles commission amounts, and flags discrepancies for manual review. • Fraud Detection: Our systems analyze behavioral signals—including IP patterns, device fingerprints, session anomalies, and transaction velocity—to identify potential gaming, bot activity, or synthetic identity usage. • Tier Calculation: Your tier is computed in real time by evaluating qualifying conditions simultaneously. • Reward Personalization: Our AI may optimize which merchant offers are surfaced to You based on Your shopping patterns and preferences. • Risk Scoring: Members and merchants are assigned risk scores that inform review priority and hold decisions.

Right to Explanation

You have the right to request a general explanation of how ADMT affected a decision about Your account, including Conditional Holds, tier adjustments, and reward calculations. We will provide a meaningful explanation of the categories of data considered and the general logic involved. However, the specific weighting factors, scoring thresholds, algorithmic architectures, model parameters, training data compositions, and feature-engineering methodologies used in Our ADMT systems constitute Trade Secrets of MewCash LLC and are expressly exempt from disclosure.

Human Oversight Guarantee

No permanent account suspension is made solely by automated systems. All permanent account actions require review by a human compliance officer. Behavioral anomaly flags below automatic hold thresholds are queued for human review within 24 hours.

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Limitation of Liability

If something goes wrong, Our maximum liability is capped at the USD equivalent of Your lifetime MewCoin earnings as recorded in Your account at the time of the claim. The Platform is provided "as is." This is a free loyalty program, not a financial product.

"As Is" Disclaimer

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. MewCash does not warrant that the Platform will be uninterrupted, error-free, or free of harmful components, or that any content, functionality, or reward calculation will be accurate or reliable.

Maximum Aggregate Liability Cap

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF MEWCASH LLC, ITS OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, AND AFFILIATES, ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR USE OF THE PLATFORM, SHALL NOT EXCEED THE USD EQUIVALENT OF YOUR LIFETIME MEWCOIN EARNINGS AS RECORDED IN YOUR ACCOUNT (THE "LIFETIME EARNINGS CAP") AT THE TIME THE CLAIM AROSE.

Exclusion of Consequential Damages

IN NO EVENT SHALL MEWCASH BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR ANY OTHER INTANGIBLE LOSSES, EVEN IF MEWCASH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Force Majeure

MewCash shall not be liable for any failure or delay in performance resulting from a Force Majeure Event, including but not limited to: • AI model degradation, hallucination, or unexpected output from third-party or internal machine learning systems. • Cloud infrastructure outages, distributed denial-of-service attacks, or third-party service provider failures. • Cyberattacks, data breaches originating from third-party systems, or zero-day exploits. • Natural disasters, pandemics, epidemics, acts of God, war, terrorism, riots, embargoes, or government actions. • Regulatory changes, legislative actions, or judicial orders that alter the legal landscape. During a Force Majeure Event, all reward issuance, tier calculations, and cashout processing timelines are tolled (paused) until the Event is resolved.

Acknowledgment of Risk

By using the Platform, You acknowledge that MewCash is a free loyalty and cashback program, not a financial institution, investment platform, or money transmission service. MewCoins have no guaranteed cash value until a cashout is completed and confirmed by the Payment Processor. You accept all risks associated with participation, including the possibility that rewards may be voided, expire, or be reduced.

AT A GLANCE

Changes to This Agreement

We can update this Agreement with advance written notice. Changes that affect Your economic terms (coin value, tiers, cashout limits) require Your affirmative opt-in. Continued use after the notice period constitutes acceptance of non-material changes.

Material Amendments (Opt-In Required)

The following changes are Material Amendments and require Your affirmative opt-in consent: • Any change to the MewCoin-to-USD conversion rate. • Any change to tier advancement thresholds or multiplier rates. • Any change to minimum or maximum cashout thresholds. • Any change to the Lineage Bonus structure, depth cap, or expiry. • Any change to the coin expiry policy (duration, reset conditions, or caps). Material Amendments require advance written notice via email and in-app alert as specified in the Member User Guide. If You do not affirmatively opt in, the prior terms continue to apply to Your existing coin balance.

Non-Material Amendments

Non-material amendments include UI/UX improvements, new merchant partner additions, security enhancements, operational process improvements, and clarifying language that does not alter economic terms. These take effect after the applicable notice period; continued use after the notice period constitutes acceptance.

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Dispute Resolution

Step 1: Talk to our Customer Success team (60-day Friendly Resolution period). Step 2: If unresolved, disputes go to individual binding arbitration in Delaware via JAMS. No class actions. No jury trials. You can opt out within 30 days of creating Your account.

Friendly Resolution Period

Before initiating arbitration, You must contact Our Customer Success team at [email protected] and provide a written description of Your dispute, the specific relief You seek, and Your account email. We will work in good faith to resolve the matter within 60 calendar days ("Friendly Resolution Period"). Neither party may initiate arbitration until the Friendly Resolution Period has expired without resolution.

Mandatory Individual Binding Arbitration

If the dispute is not resolved during the Friendly Resolution Period, it shall be resolved exclusively through Individual Binding Arbitration administered by JAMS under its Consumer Arbitration Rules, conducted in the State of Delaware. The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the enforceability of this arbitration agreement. The Wyoming Uniform Arbitration Act (Wyo. Stat. § 1-36-101 et seq.) applies as supplementary state law.

Class Action and Jury Trial Waiver

IMPORTANT — PLEASE READ CAREFULLY: YOU AND MEWCASH EACH IRREVOCABLY WAIVE THE RIGHT TO: (A) PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION; (B) SERVE AS A CLASS REPRESENTATIVE OR CLASS MEMBER; (C) A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT. This waiver applies to the fullest extent permitted by applicable law.

Delegation Clause

The arbitrator, not a court, shall determine all threshold questions of arbitrability, including disputes about the formation, applicability, or enforceability of this arbitration agreement.

Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to MewCash at [email protected] within 30 calendar days of account creation. Your opt-out notice must include Your full name, account email, and a clear statement that You wish to opt out of the arbitration agreement. Opt-out does not affect Your ability to use the Platform.

Fee Shifting

MewCash will pay all arbitration filing fees and arbitrator costs for claims below the threshold specified in the Member User Guide.

Small Claims Exception

Either party may bring an individual claim in small claims court within applicable jurisdictional limits, provided the claim remains individual and does not seek class-wide relief.

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General Terms

Standard legal provisions: governing law (Wyoming), severability, entire agreement, assignment, survival, and contact information.

Governing Law

This Agreement is governed by the laws of the State of Wyoming and applicable federal law, without regard to conflict-of-law principles. The Wyoming Uniform Arbitration Act (Wyo. Stat. § 1-36-101 et seq.) governs all arbitration proceedings. The Federal Arbitration Act (9 U.S.C. § 1 et seq.) preempts any state law that conflicts with the enforceability of arbitration agreements.

Severability

If any provision of this Agreement is found to be unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remainder of this Agreement shall remain in full force and effect.

Entire Agreement

This Agreement, together with the Member User Guide incorporated by reference, constitutes the entire agreement between You and MewCash regarding the Platform and supersedes all prior agreements, representations, and understandings.

Assignment

MewCash may assign this Agreement or any of its rights and obligations hereunder without restriction or notice. You may not assign this Agreement without Our prior written consent.

No Waiver

Our failure to enforce any right or provision of this Agreement at any time shall not constitute a waiver of that right or provision.

Survival

The following sections survive termination of this Agreement indefinitely: Key Definitions, Pattern Inconsistency & Enforcement, ADMT Notice, Limitation of Liability, Dispute Resolution, General Terms, and the entirety of (Privacy Policy).

Notices

All legal notices to MewCash must be sent to [email protected]. We may provide notices to You via the email address associated with Your account, in-app notifications, or conspicuous posting on the Platform.

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Contact Information

Reach us at [email protected] for privacy requests, [email protected] for general inquiries, or [email protected] for legal notices.

Mailing Address

MewCash LLC 30 N Gould St # 31872 Sheridan, Wyoming, United States 82801

Email Contacts

• General Inquiries & Customer Success: [email protected] • Privacy Requests & Data Rights: [email protected] • Legal Notices & Arbitration Opt-Out: [email protected]