Terms of Service

Last updated — April 20, 2022

These terms of use (the "Agreement ," "Terms" or " TOS") form a binding agreement between you as a user ("you" or "your") and Starlight Tech LLC and our affiliated entities ("Starlight", "Company", "we" or "us") and shall be the equivalent of a written paper agreement between you and us. The effective date of this Agreement is when you accept or are deemed to accept this Agreement as discussed below.

These Terms apply to your use of our services and software provided on our website currently located at https://starlight.money (the "Site"), our mobile applications (the "App") and any services, content, communications, and product features relating to the Site and the App (together with the Site and the App, the "Services").

NOTE: THESE TERMS CONTAIN A BINDING ARBITRATION PROVISION WITH A CLASS ACTION WAIVER AND A WAIVER OF THE RIGHT TO A JURY. PLEASE REVIEW SECTION 23 BELOW BEFORE DOWNLOADING OR USING THE APP OR OUR SERVICES.

We reserve the right to make modifications to these Terms at any time and for any reason. Please check these Terms regularly to ensure you are aware of any modifications made by us. If a change to our Terms will result in an increase of fees, an increase of liability for our users, fewer types of electronic funds transfers or stricter limitations on the frequency or dollar amount of transfers, you will be notified via email 30 days before the effective date. By continuing to access or use the Services after those revisions become effective, you agree to be bound by the revised Terms.

If you do not agree to these Terms of Service, you must immediately stop using our services.

General. Subject to the terms of this Agreement, you are responsible for your use of the Services, and for any information, content, reports, data, databases, graphics, interfaces, web pages, text, files, software, product names, company names, trademarks, logos and trade-names (collectively, the "Content") you post to the Services, any Content you access from the Services, and for any consequences thereof.
Privacy. By accessing or using the Services, you intend to and expressly agree to be bound by all the terms and conditions of this Agreement and our Privacy Policy (available at https://www.starlight.money/legal/privacy) (the "Privacy Policy"), which is incorporated herein by reference. If you do not agree to these terms and conditions, you may not use the Services. Any information that you provide to us is subject to the Privacy Policy, which governs our collection and use of your information. You understand that through your use of the Services you consent to the collection and use of your information as set forth in the Privacy Policy.
Accounts. Some Services offered by the Company require you to create an account.If you create an account, you agree that all the information you provide will be true and accurate, and that you have the authority to create the account. You are responsible for keeping your account information secure and confidential. You agree to inform us immediately if you suspect that your account or login information has been compromised. If you provide the Company an email address as part of an account creation, the Company may furnish you with written correspondence regarding your account and/or other Starlight-related material, including promotional materials.
Electronic W-9 Certifications. You hereby agree to the following upon the creation of your account:
I certify, under penalty of perjury that:
The Taxpayer Identification or Social Security Number I provided is correct;
I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding because of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding; and
I am a U.S. citizen or other U.S. person.
Eligibility. You may provide access to the Services to other users within your organization as authorized by us and/or by your subscription level to our Services in place from time to time (each, an "Authorized User"). You are solely responsible for Authorized User activities and interaction with the Services. You agree to ensure all Authorized Users are aware of all restrictions of use in these Terms, the Privacy Policy, and any other rules or requirements applicable to the Services. You agree to cause Authorized Users to comply with such provisions. You are solely responsible for all actions taken by and interactions with Authorized Users, including providing any disclosures governing an Authorized User's interaction with the Services, and any applicable Privacy Policy or further obligations required by us or any applicable law. Any obligation imposed on you by these Terms shall be applicable to you and to any Authorized User.
By using our Services, you represent and warrant that you and each Authorized User:
If an individual, are at least 18 years old;
Are legally qualified to enter a binding contract with us;
Are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country;
Are not on any list of individuals prohibited from conducting business with the United States;
Are not prohibited by law from using our Services;
Do not have more than one account on our Services; and
Have not previously been removed from our Services by us, unless you have our express written permission to create a new account.
If at any time you cease to meet these requirements, we reserve the right to delete your account with us, to revoke all credentials held by you and any of your Authorized Users and to delete all Content uploaded by you to our Services.
Ownership of Submitted Content. The Services may allow you from time to time to upload Content and permit the hosting, sharing, or publishing of Content. You have sole responsibility for all Content uploaded to the Services by you. We are not responsible and make no representation or warranty concerning any Content uploaded to the Services by any third party. We reserve the right to impose restrictions on the Content you upload, including, but not limited to, the amount of Content that can be uploaded and the length or expiry period for Content. You shall be solely responsible for the Content you submit and the consequences of our posting, display, distribution, or publishing of such Content. In connection with any Content you or any of your Authorized Users submit, you affirm, represent, and warrant that: (i) you own or have the necessary licenses, rights, consents, and permissions to use and authorize us to use all patent, trademark, trade secret, copyright or other proprietary rights in and to any and all Content to enable inclusion and use of the Content in the manner contemplated by these Terms; and (ii) you have the written consent, release, or permission to use the name, image, or likeness of each individual identified in the Content.
In connection with Content, you further agree that you will not submit material that is copyrighted, protected by trade secret, or otherwise subject to third-party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant us the necessarily rights granted in these Terms. You agree to defend, indemnify, and hold us harmless for all damage or liability we incur because of your violation of this Section.
Compliance with Laws. You agree to use the Services only for lawful purposes, and to conduct your business and any transaction that uses the Services, in accordance with all applicable laws and regulations, including all federal and state laws and regulations relating to taxes, banking, money laundering, securities and counterterrorism. You will not use the Services for any fraudulent or illegal activity.
Beta Services : You may choose to use Services or features identified as alpha, beta, preview, early access, or evaluation, or words or phrases with similar meanings ("Beta Services") in your sole discretion. If you choose to use any Beta Services, you acknowledge and agree that: (a) Beta Services may not be supported and may be changed at any time without notice; (b) Beta Services may not be as reliable or available as the Services; (c) Beta Services have not been subjected to the same security measures and auditing to which the Services have been subjected; and (d) WE WILL HAVE NO LIABILITY ARISING OUT OF OR IN CONNECTION WITH BETA SERVICES - USE AT YOUR OWN RISK. In exchange for using Beta Services, you acknowledge and agree that we may contact you or your Authorized Users to obtain feedback regarding Beta Services. Beta Services are confidential until officially launched by us. You agree to take reasonable measures to keep information regarding the Beta Services confidential, including at least those measures you take to protect your own confidential information of a similar nature. You agree not to disclose information regarding Beta Services to any third parties and will keep new features and functionality confidential until officially launched by us. You may disclose information regarding Beta Services to the extent required by law or regulation if you give us reasonable advance written notice, to the extent permitted, so we can seek to prevent or limit the disclosure.
Your License to the Services. Subject to your payment of applicable fees and continued compliance with this Agreement, we hereby grant you a limited, non-exclusive, revocable, non-transferable, non-sublicensable license to access the Services as authorized in these Terms. You acknowledge and agree that we may modify, update, and otherwise change the Services at any time in our sole discretion.
Except for the limited license to access the Services identified in the preceding paragraph, you acknowledge that nothing contained in these Terms shall be construed as granting or conferring to you, by implication, estoppel or otherwise, any right, title, or interest to any intellectual property of the Company, our third-party service providers or any other third party, including any (i) inventions (whether patentable or not in any country), patents, patent applications, invention disclosures, improvements, trade secrets, proprietary information, know how, information, or technical data; (ii) copyright protected works, copyright registrations, mask works, mask work registrations or applications in the United States or any foreign country; (iii) trademarks, trademark registrations, service marks, logos or applications therefor in the United States or any foreign country; (iv) trade secrets; or (v) any other tangible or intangible proprietary rights anywhere in the world.
Restrictions On Use. You agree that you will not:
distribute the Services for any purpose, including, without limitation, compiling an internal database, redistributing or reproducing the Services by way of the press or media or through any commercial network, cable or satellite system;
create derivative works of, reverse engineer, decompile, disassemble, adapt, translate, transmit, arrange, modify, copy, bundle, sell, sublicense, export, merge, transfer, adapt, loan, rent, lease, assign, share, outsource, host, publish, make available to any person or otherwise use, either directly or indirectly, the Services in whole or in part, in any form or by any means whatsoever, be they physical, electronic or otherwise;
permit, allow or do anything that would infringe or otherwise prejudice the proprietary rights of the Company or its licensors or allow any third party to access the Services;
prob, scan or test the vulnerability of the Services and any system or network;
breach or otherwise circumvent any security or authentication measures;
access, tamper with, or use non-public areas or parts of the Services, or shared areas of the Services you have not been invited to;
access, search, or create accounts for the Services by any means other than our publicly supported interfaces;
promote or advertise products or services other than your own without appropriate authorization;
circumvent storage space, usage, or transaction limits for improper means, including attempting to circumvent our fees;
publish or share materials that are unlawful or indecent, or that contain extreme acts of violence or terrorist activity;
advocate bigotry or hatred against any person or group of people based on their race, religion, ethnicity, sex, gender identity, sexual orientation, disability, or impairment;
harass or abuse our personnel or representatives or agents performing services on behalf of the Company;
storing, publishing or sharing material that is fraudulent, defamatory, or misleading; or
violate the law in any way.
License Grant to Your Content. Except for your non-public personal information, you hereby grant to the Company the perpetual, unlimited, royalty-free, worldwide, non-exclusive, irrevocable, transferable license to use, display, reproduce and store any Content or other information you provide on or through the Services or which is sent to the Company by email or other correspondence. The Company shall not be obligated to provide you compensation of any sort for such license. The Company is not subject to any obligations of confidentiality regarding any such Content or information unless specifically agreed to by the Company in writing or required by law. You represent and warrant that you have the right to grant the license set out above.
Feedback. If you or any of your employees or Authorized Users sends or transmits any communications or materials to us by mail, email, telephone, or otherwise, suggesting or recommending changes to the Services, including, without limitation, new features or functionality relating thereto, or any comments, questions, suggestions, or the like ("Feedback"), we are free to use such Feedback and any ideas, know-how, concepts, techniques, or other intellectual property rights contained in the Feedback, for any purpose whatsoever, without any attribution or compensation to any party, although we are not required to use any Feedback.
Fees. In general, we make money in the form of percentage transaction fees when you convert fiat to digital assets through our Services. The amount of transaction fee and a description of the way we calculate such fees for each transaction will be disclosed on the appropriate page summarizing your transaction and requiring your authorization before proceeding. By using our Services, you agree to pay all fees. We reserve the right to adjust our pricing and fees at any time. We will notify you of the final price of each transaction, inclusive of pricing and fees, when you authorize the transaction on the appropriate transaction authorization page.
Banking Terms. You acknowledge that we are not a bank or financial institution. Any banking services offered through our Services are provided through our banking software provider, Solid Financial Technologies, Inc. and its affiliates ("Solid") and Solid's partner banks, financial institutions and service providers. Additional banking terms are set forth below:
Third-Party Terms. By creating an account with us, you also agree to the terms and policies of our third-party providers, including Solid. Solid is our backend software provider, and partners with financial institutions to provide banking services and FDIC insurance. Solid's API, and their relationship with financial institutions, enables us to offer banking services and products. By agreeing to Starlight's TOS and Privacy Policy, you also agree to Solid's terms and policies below:
Solid Terms of Service
Solid Privacy Policy
Solid Website & Dashboard Terms of Use
Linking Bank Accounts. If enabled by Services for your account, you may link an account with us or an external account at a third-party financial institution for online transfers between your linked account(s) and your Account. If enabled by Services, you may link your external account(s) with your Account by (i) logging into your financial institution via our Site or App, or (li) by providing the account and routing details for the external account and verifying the two (2) micro deposits we send to your external account the next business day. We may also verify your control of the external account by requiring you to submit proof of ownership of the external account(s). All linked accounts must be with financial institutions in the United States. We may decline the use of any external account that we believe may present a risk to you and/or us. By linking your external account to your Account, and by subsequently logging into your linked account(s) through our Services, you authorize us to view your account history and profile, including, but not limited to, your account and routing details, authentication details, balance, transaction history, contact information, and other related information made available by such external financial institution; and you understand this information may be used to transact on your behalf and perform other services subject to our Privacy Policy and the privacy policies of our third-party service providers. When adding an external account, you represent and warrant that you are owner of and have the right to access, use and authorize us to use the account for information and funds transfer purposes. If any of your linked accounts has a joint account holder, you represent and warrant that the joint account holder has consented for you to represent both you and them, and to use the external account with the Service. If you do not have such consent, you should not use that external account and we will terminate your use of the linking service if we are notified of such a situation. If you close any of your external accounts, you are responsible for removing it as an account eligible for the linking service to avoid any transaction failure and possible charges related to a failed transaction. We are not responsible for any acts or omissions by the external financial institution or other provider of any linked external bank account, including, without limitation, any modification, interruption, or discontinuance of any linked external bank account by such financial institution, service provider, or platform.
Wire Transfers. The following terms are applicable to your transfer of funds via wire transfer to our partner bank, which will process, hold and bank such funds as part of our Services. Our partner bank may change or update such wire terms from to time.
Time Restrictions. 10:00 AM PST is the cut off time for international wires, 1:00 PST is the cut off time for domestic wire transfers. Any wire transfer instructions received after these times will be processed the following business day.
Security Procedures. All users must use a Two-Factor Authentication control, in addition to their login, to authorize a wire transfer. Additionally, by using Starlight's website, users agree that this control is an appropriate security procedure, designed to verify the authenticity of the order, and not to detect errors in transmission.
No Cancellation. All wire requests are final and are not subject to recall orders or stop payments.
Payment Order. Users may only initiate a wire transaction via Starlight's website. You, the user, are solely responsible for the accuracy of the information contained in the payment order. The wire transaction will be completed relying exclusively on the information you provide.
Authorization to Transfer Funds. Via the wire services, users must authorize Solid's partner bank(s) to execute payment orders on their behalf and to debit the user's account specified in the payment order for the amount of the wire transfer.
Consumer Liability for Unauthorized Electronic Funds Transfers ("EFT" or "EFTs"). As stated above, we are not a bank or financial institution. We also do not issue electronic debit cards. The following notice is a summary of your consumer rights under Regulation E of the Federal Reserve Board and is provided to you for convenience purposes only.
Your liability for an unauthorized EFT is capped at a maximum of $50, provided that you notify your financial institution within two business days of learning of the loss or theft of an access device; or $500 if you fail to provide such notice. You must provide notice to your financial institution within 60 days of receiving a periodic statement on which an unauthorized EFT appears; if you fail to do so, you may have unlimited liability for any unauthorized EFTs after that 60-day period. If your delay in notifying the financial institution was due to extenuating circumstances, the institution shall extend the times specified above to a reasonable period. Notice to a financial institution is given when you take steps reasonably necessary to provide the institution with the pertinent information. You may notify the institution in person, by telephone, or in writing. Written notice is considered given at any time you mail the notice or deliver it for transmission to the institution by any other usual means. Notice may be considered constructively given when the institution becomes aware of circumstances leading to the reasonable belief that an unauthorized transfer to or from your account has been or may be made.
Banking Services Complaints. To report a complaint relating to our banking software provider, Solid, please email: chat@solidfi.com.
Digital Currency.
General. Digital currency will be held in digital wallets in the custody of Solid's partner banks on your behalf. The bank services are provided by Solid's partner banks, Members FDIC. By opening a digital currency wallet using our Services, you agree to Solid's Digital Currency Custody Account Agreement, which will be provided to you by use or Solid from time to time. Solid's partner banks may contract with third parties to provide wallet services as well as conversion functionality. In order to keep funds within a digital wallet secure, a portion of the funds may be stored offline. Because of this, unusually large transactions may be delayed
Risks relating to Digital Assets. You acknowledge that there are inherent risks associated with digital assets, such as cryptocurrencies, and that such risks extend to your use of the Services. These risks include, but are not limited to the failure of hardware, software or internet connections, the risk of malicious software introduction and the risk of unauthorized access to your account or wallets hosting such digital assets. Additionally, risks include the following:
Digital assets are not FDIC insured, or insured by any other federal agency.
Digital assets are not deposits of or guaranteed by a bank.
The value of digital assets are highly volatile and without warning can increase or decrease unexpectedly and may even fall to zero.
Your digital assets may lose significant value and return on investment is never guaranteed.
If you attempt to send or receive digital assets that are not supported by the Services, or provide an incorrect or incomplete address, your digital assets may be lost entirely and may not be recoverable.
The risk factors above are non-exhaustive. It is your responsibility to familiarize yourself with the risks involved with digital assets, their protocols and networks. In no will we be liable to you for your use of the Services as it relates to your use, hosting of, transfer or exchange of digital assets.
External Wallets. Our Services may from time to time permit you to generate one or more address through your account to which you may transfer your digital assets from an external wallet controlled or owned by you and not hosted by us or Solid and its partner financial institutions ("External Wallet"). You may be required to verify that you control the External Wallet prior to us accepting or allowing you to transact in digital assets through our Services. We do not assume any liability with respect to any External Wallet. You must familiarize yourself with the terms of use, technology and security protocols of any External Wallet (e.g. saving private keys in a safe place etc.). External Wallets may levy fees on you for transactions and we are not liable for any such fees.
Taxation. Additionally, the value of any capital gains related to buying and selling digital assets, like cryptocurrency, may constitute taxable income. Solid will issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of the gain, if necessary. Please consult your tax advisor. We and Solid and its affiliates and associates do not provide tax advice.
Suspension of Transactions. Without limiting our termination rights under this Agreement, we also reserve the right to cancel or suspend transactions due to fraud or compliance-related concerns.
Third-Party Links and Services. Our Services may contain links to other sites. The Company does not assume responsibility for the accuracy or appropriateness of the information, data, opinions, advice or statements contained at such sites, and when you access such sites, you are doing so at your own risk. In providing links to the other sites, the Company is in no way acting as a publisher or disseminator of the material contained on those other sites and does not seek to monitor or control such sites. A link to another site should not be construed to mean that the Company is affiliated or associated with same. The Company does not recommend or endorse any of the content, including without limitation any hyperlinks to, or content found, on other websites. The mention of another party or its product or service on this website should not be construed as an endorsement of that party or its product or service. The Company will not be responsible for any damages you or any third party may suffer because of the transmission, storage or receipt of confidential or proprietary information that you make or that you expressly or implicitly authorize the Company to make, or for any errors or any changes made to any transmitted, stored or received information.
Indemnity. You always agree to indemnify, defend and hold harmless the Company, its agents, suppliers, licensors, affiliates and their respective directors, officers and employees (collectively, the "Indemnified Parties") against all losses, liabilities, suits, claims, actions, costs, damages and expenses (including, without limitation, reasonable attorneys' fees and expenses) sustained, incurred or paid by any Indemnified Party directly or indirectly resulting from, arising out of, relating to or in connection with: (i) violation of these Terms by you, any Authorized User or other person using your account or credentials; (ii) your or any Authorized User's access to or use of the Services, (iii) any information used, stored, or transmitted in connection with your account or credentials; (iv) breach of the rights of any third party, including but not limited to privacy, publicity, intellectual property, or other proprietary rights, by you, any Authorized User or anyone using your account or credentials; or (v) violation of any law, regulation, or other legal requirement. This paragraph is intended to be applicable to the maximum extent allowed by law.
Limitations on Liability and Disclaimers.
At Your Own Risk. There is no guarantee that personal information and transactions on our Services or on the internet will be maintained confidential and secure. Your use of the Services is at your own risk, and the company assumes no liability or responsibility pertaining to the Services, your use of the Services or the receipt, storage, transmission or other use of your personal information.
NO WARRANTIES. EXCEPT AS EXPRESSLY PROVIDED IN A SEPARATE AGREEMENT WITH YOU, THE SERVICES ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATIONS, WARRANTIES, GUARANTEES OR CONDITIONS, OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES AS TO UNINTERRUPTED OR ERROR-FREE OPERATION, AVAILABILITY, ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, LEGALITY, SUITABILITY, PRIVACY, SECURITY, MERCHANTABILITY, QUALITY, TITLE, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING OUT OF A COURSE OF DEALING OR USAGE OF TRADE.
NO SPECIAL DAMAGES. IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS OR THEIR RESPECTIVE DIRECTORS, OFFICERS OR EMPLOYEES BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, AGGRAVATED, ECONOMIC OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED, INCLUDING BUT NOT LIMITED TO: DAMAGES FOR LOSS OF USE, LOST PROFITS OR LOST SAVINGS, EVEN IF THE COMPANY OR ANY OF ITS LAWFUL AGENTS OR EMPLOYEES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIM.
ADDITIONAL LIMITATION. IN NO EVENT WILL COMPANY, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS OR THEIR RESPECTIVE DIRECTORS, OFFICERS OR EMPLOYEES BE LIABLE FOR DAMAGES OR LOSSES RESULTING FROM: VIRUSES, DATA CORRUPTION, FAILED MESSAGES, TRANSMISSION ERRORS OR PROBLEMS; TELECOMMUNICATIONS SERVICE PROVIDERS; LINKS TO THIRD PARTY WEBSITES; THE INTERNET BACKBONE; PERSONAL INJURY; THIRD PARTY CONTENT, PRODUCTS OR SERVICES; DAMAGES OR LOSSES CAUSED BY YOU OR YOUR RESPECTIVE EMPLOYEES, AGENTS OR SUBCONTRACTORS; LOSS OF USE OR LACK OF AVAILABILITY OF FACILITIES, INCLUDING COMPUTER RESOURCES, ROUTERS AND STORED DATA; THE USE OR INABILITY TO USE THE SERVICES; ANY OTHER WEBSITE ACCESSED TO OR FROM THE SERVICES; OR EVENTS BEYOND THE REASONABLE CONTROL OF THE COMPANY, EVEN IF THE COMPANY OR ANY OF ITS LAWFUL AGENTS OR EMPLOYEES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIM.
AGGREGATE LIABILITY. IN NO CASE WILL THE COMPANY'S, ITS AFFILIATES', AGENTS', LICENSORS', SUPPLIERS' AND THEIR RESPECTIVE DIRECTORS', OFFICERS' AND EMPLOYEES' CUMULATIVE TOTAL LIABILITY FOR ANY CAUSE WHATSOEVER (INCLUDING WITHOUT LIMITATION BREACH OF CONTRACT, TORT, NEGLIGENCE, GROSS NEGLIGENCE OR OTHERWISE) ARISING UNDER OR RELATING TO THE SERVICES BE MORE THAN THE VALUE OF THE FEES ACTUALLY PAID TO US BY YOU DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE DATE OF ANY CLAIM GIVING RISE TO SUCH LIABILITY.
Term and Termination.
We may, at any time and in its sole discretion, without prior notice, and without any liability to you, modify or discontinue any portion of our Services, either temporarily or permanently.
At any time and in our sole discretion, without prior notice, and without any liability to you, we may (i) cancel or deactivate your account; or (ii) temporarily or permanently, suspend, restrict, or terminate access to any or all of Services for any reason or for no reason. We are under no obligations to disclose its reason for any termination or suspension of the Service to you or generally.
We shall not be liable for any losses suffered by you, or diminished value in your digital assets, resulting from any suspension or termination of the Services. If you regain access to the Services, you acknowledge and agree that digital asset valuations may differ from the period of time prior to the termination or suspension, and you accept this risk.
In the event of any termination of this Agreement, discontinuation of all Services, or termination of your right to access all Services: (i) all fees and amounts payable to us by you shall immediately become due, (ii) we may delete any of your user data without any liability to you, provided that we also reserve the right to retain your user data for seven (7) years following termination; and (iii) we may cancel any open order, trades, or transactions that are pending at the time of the termination of your right to access all Services or discontinuation of the Services. We reserve the right to retain aggregated anonymized user data for longer to improve Services, prevent fraud and produce aggregated statistics.
On any termination of the Services or termination of this Agreement, we shall: (i) return all digital assets in our possession (if any) to you; and (ii) instruct Solid and its partner financial institutions, to transfer any fiat to an external account designated by you. To fulfill this obligation, you must provide us with External Wallet addresses for each digital asset and an external banking account, failing which we shall not return digital assets, or cause Solid or its partner bank to return fiat, to you. If, after reasonable efforts, we cannot reach you for such purposes then your digital assets and fiat shall be remitted to the relevant governmental agency in your jurisdiction.
The provisions of these Terms relating to indemnification, our limitations of liability and disclaimers, your warranties and any other provisions which by their terms should reasonably survive termination, shall survive termination of the Services or this Agreement.
No Investment or Other Advice. The Company is not an investment advisor. To the extent the Company offers information about investing, trading, assets, or other informational content as part of its Services, it is for informational purposes only. For the avoidance of doubt, the Company is in no manner providing investment advice, tax advice, legal advice, or other professional advice by allowing you to use the Services. In addition, the Company does not recommend or endorse that you purchase or sell assets, digital or otherwise, or that you make any investment or enter into any trade or transaction. Before engaging in any trading or investment activity, you should always consult a qualified professional.
Separate Agreement. From time to time, we may enter into separate agreements to govern your use of the Services (for example, our agreements with certain enterprise-level customers). Except otherwise replaced by the terms of such separate agreements, these Terms shall govern and control with respect your use of the Services.
Notices. We may provide you with notices in any of the following methods: (1) via the Services, including by a banner or pop-up within the applicable Site, Account or elsewhere; (2) by e-mail, sent to the e-mail address you provided us; and/or (3) through any other means, including any phone number, SMS or text message or physical address you provided us. Such notice to you will be deemed received and effective upon receipt or twenty-four (24) hours after it was published or sent through any of the foregoing methods, unless otherwise indicated in the notice. If we choose to notify you through electronic communication, you agree to receive such communications, including but not limited to our applicable policies, statements, reports, invoices, receipts, disclosures, legal or regulatory statements or documents via electronic delivery.
Binding Arbitration. PLEASE READ THIS SECTION CAREFULLY, AS IT LIMITS THE MANNER IN WHICH YOU MAY SEEK RELIEF, AND REQUIRES YOU ARBITRATE DISPUTES WITH US. If you have a dispute with us, we will first seek to resolve such a dispute through our support team.
Except for disputes in which either party seeks equitable and other relief for the alleged unlawful use of intellectual property, copyrights, trademarks, trade names, logos, trade secrets or patents, any dispute, claim or controversy arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation or validity thereof, including the determination of the scope or applicability of this Agreement to arbitrate, will be determined by binding arbitration. The location of the arbitration will be determined by Starlight to be in either (i) New York, New York or (ii) the county and state of Starlight's chosen legal counsel at the time of the dispute. The arbitration will be administered by the Judicial Arbitration and Mediation Services (JAMS) pursuant to its Comprehensive Arbitration Rules and Procedures. Disputes will not be resolved in any other forum or venue. you agree that any arbitration will be conducted by a sole arbitrator. Pre-arbitration discovery will be limited to the greatest extent provided by the rules of JAMS, the arbitration award will not include factual findings or conclusions of law, and no punitive damages will be awarded. Notwithstanding any other rules, no arbitration proceeding brought against Starlight will be consolidated with any other arbitration proceeding without Starlight's written consent. Judgment may be entered upon any award granted in any arbitration in any court of competent jurisdiction in the county and state in which Starlight maintains its principal office at the time the award is rendered, or in any other court having jurisdiction. The arbitrator will, in the award, allocate all of the costs of the arbitration, including the fees of the arbitrator and the reasonable attorneys' fees of the prevailing party, against the party who did not prevail.
NOTICE: BOTH YOU AND STARLIGHT ARE AGREEING TO HAVE ALL DISPUTES, CLAIMS OR CONTROVERSIES ARISING OUT OF OR RELATING TO THIS AGREEMENT DECIDED BY NEUTRAL BINDING ARBITRATION AND ARE GIVING UP ANY RIGHTS IT MIGHT POSSESS TO HAVE THOSE MATTERS LITIGATED IN A COURT OR JURY TRIAL. BY AGREEING TO THIS AGREEMENT, BOTH YOU AND STARLIGHT ARE GIVING UP THEIR RESPECTIVE JUDICIAL RIGHTS TO DISCOVERY AND APPEAL EXCEPT TO THE EXTENT THAT THEY ARE SPECIFICALLY PROVIDED FOR UNDER THIS AGREEMENT. IF ANY PARTY REFUSES TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, THAT PARTY MAY BE COMPELLED TO ARBITRATE UNDER FEDERAL OR STATE LAW. BOTH YOU AND STARLIGHT CONFIRM THEIR AGREEMENT TO THIS ARBITRATION PROVISION IS VOLUNTARY.
Governing law. This Agreement shall be governed pursuant to the laws of the State of Delaware, USA, without regard to principles of conflict of laws. you agree that Starlight may initiate a proceeding related to the enforcement or validity of Starlight's intellectual property rights in any court having jurisdiction. With respect to any proceeding that is not subject to arbitration under this Agreement or policies incorporated herein, you agree that any proceedings shall be in the federal or state courts located in Delaware. you waive any objection to venue and to submit to personal jurisdiction in any such courts.
Interpretation. The division of this Agreement into sections and the insertion of headings are for convenience of reference only and shall not affect the construction or interpretation of this Agreement. In this Agreement, words importing the singular number include the plural and vice versa; words importing gender include all genders; and words importing persons include individuals, sole proprietors, partnerships, corporations, trusts and unincorporated associations.
Entire Agreement. This Agreement as it may be amended from time to time in accordance with these Terms, and all other legal notices and policies on this website, constitutes the entire agreement between you and the Company with respect to the use of the Services.
Amendment and Waiver. The Company reserves the right, in its discretion, to amend this Agreement at any time by posting amendments on this website. You are responsible for periodically reviewing the amendments on this website, and you are deemed to be aware of such amendments. If you do not agree to the amended terms and conditions, you shall immediately stop using this website. Access to this website or use of this website after any amendments have been posted shall constitute your acknowledgement and acceptance of the amended terms and conditions. No supplement, modification or amendment to this Agreement and no waiver of any provision of this Agreement shall be binding on the Company unless executed by the Company in writing. No waiver of any of the provisions of this Agreement shall be deemed to be or shall constitute a waiver of any other provision (whether or not similar) nor shall such waiver constitute a continuing waiver unless otherwise expressly provided.
Severability. Any provision of this Agreement which is held by a court of competent jurisdiction to be illegal, invalid or unenforceable in such jurisdiction shall, as to that jurisdiction, be ineffective to the extent of such illegality, invalidity or unenforceability and shall otherwise be enforced to the maximum extent permitted by law, all without affecting the remaining provisions of this Agreement or affecting the legality, validity or enforceability of such provision in any other jurisdiction.
Inurement. This Agreement shall inure to the benefit of and be binding upon each of us and our respective successors and permitted assigns. You acknowledge having read this Agreement before accepting it, having the authority to accept this Agreement and having received a copy of this Agreement.
Assignment. You shall not assign or transfer any of your rights or obligations under this Agreement without our prior written consent, which we may withhold at our sole and absolute discretion. Any actual or attempted assignment hereof by you contrary to the terms of this Agreement shall be null and void. We may, at its discretion, assign some or all our rights or obligations to a third party, without your consent or approval. If we are acquired by, sold to, or merged with a third-party entity, we reserve the right to transfer or assign all your user data as part of such merger, acquisition, sale, or change of control.
Role of Zero Hash. Starlight Tech LLC ("Starlight") has partnered with Zero Hash LLC and, if applicable, its affiliates (collectively, "Zero Hash"), to provide cryptocurrency settlement, custody, and liquidity services through the Starlight platform. To engage in the cryptocurrency services offered by Zero Hash through Starlight, you must open an account with Zero Hash ("Zero Hash Account") and agree to the Zero Hash & Zero Hash Liquidity Services User Agreement ("Zero Hash User Agreement"), Zero Hash Privacy Policy, and Disclosure Statements.

Authorization to Share Information with Zero Hash. You hereby authorize Starlight to provide Zero Hash any of your personal information maintained in connection with your Zero Hash Account, and to continue sharing such personal information, and any revisions or additions thereto, with Zero Hash on an ongoing basis until your Zero Hash Account is either closed or terminated in accordance with the Zero Hash User Agreement. Personal information may include your name, email address, residential address, phone number, date of birth, and taxpayer identification number. Personal information may also include documentation, such as copies of your government-issued photo identification (for example, your passport, driver’s license, or military identification card), account statements, and other documents as Zero Hash may require.

Authorization to Transfer Funds. You understand and acknowledge that when you submit an order through the Starlight platform to purchase cryptocurrency via Zero Hash, you are authorizing and instructing Zero Hash to instruct Starlight and our partner bank to accept such instruction to transfer the funds required to fill the order from your checking account to Zero Hash. You understand and acknowledge that your Zero Hash Account is provided by Zero Hash and is separate from your Starlight account. You further understand and acknowledge that Zero Hash is not under the control of Starlight, that any Zero Hash account is outside of Starlight's and its partner bank's possession and control, and that Starlight and its partner bank do not have the ability to monitor or recall the funds after such funds have been wired or transferred to Zero Hash. You further understand and acknowledge that, upon transfer from your bank account to Zero Hash, the funds will no longer be provided protection under the Federal Deposit Insurance Corporation (“FDIC”), nor will they be provided protection under the Securities Investor Protection Corporation (“SIPC”).‍

Support. Please direct questions, complaints, or issues to support@starlight.money or call (908) 503-3933. Hours of support are Mon to Fri 9:00 am—7:00 pm ET.

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