BEAM

Beam Terms of Use Agreement

Last Updated: Nov 4th, 2019

These Beam Terms of Service (the “Terms”) are an agreement between you and Beam Financial Inc. (“Beam”) and govern your use of our website at www.meetbeam.com (the “Website”), the mobile application (the “App” and together with the Website, the “Platform”), and the products and/or services that are available through the Platform (“Services"). By accessing or using the Platform, you agree to be bound by these Terms, the Privacy Policy and the Security Policy, which are incorporated herein by reference. “Beam”, “us”, “our”, or “we” means Beam and its successors, affiliates and assignees. “You" and “your” means the person who uses or accesses the Services. “Beam Account” means the deposit account in your name opened by you using the Platform.

IMPORTANT NOTICE REGARDING ARBITRATION: WHEN YOU AGREE TO THESE TERMS YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND BEAM THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY THE ARBITRATION PROVISION BELOW FOR DETAILS REGARDING ARBITRATION (INCLUDING WITHOUT LIMITATION THE PROCEDURE TO OPT OUT OF ARBITRATION).

1. THE SERVICES

1.1. General Information

The funds in your Beam Account will be transmitted to FDIC-insured, interest-bearing accounts at one or more participating FDIC-insured banks (“Participating Banks”). You will earn interest on your funds at a rate set by Beam that will be customized based on the choices you make in the App. The minimum rate set by Beam as of the date of this Terms is 1.50% per annum. We reserve the right to modify the rates, at any time, based on macroeconomic changes to the Fed Funds Effective rate.

You can increase the rate above the minimum rate by the choices you make in the App, such as collecting free Daily Rate Reward (also described as “Billies” in the App), inviting friends to subscribe to Website’s mailing list, etc. The payout of each Daily Rate Reward is variable. With these Daily Rate Rewards, it is possible to increase the daily rate up to 7.00% for each day. The daily rate will be reset to the minimum rate at the beginning of the following day. The effect of such Daily Rate Rewards can increase your earnings from the Beam Account, which will be credited to you on a daily basis and subject to the available-for-withdrawal balance as disclosed in the App. We reserve the right to modify, at any time, the methods for earning the Daily Rate Rewards, which will be disclosed in the App.

You can also increase the minimum rate, which will not be reset, by participating in various promotions, the terms of which will be disclosed in the App. The resulting elevated minimum rates (“Rate Tier”) received in these promotions may be a combination of routine interest payouts and Daily Rate Rewards. The available Rate Tiers as of the date of this Terms are 2.00% per annum, 2.50% per annum and 3.00% per annum. We reserve the right to modify the terms of the Rate Tiers, at any time, based on factors including but not limited to macroeconomic changes to the Fed Funds Effective rate.

At the end of each day the rate for your Beam Account, as reflected in our records, will be used to determine your daily earnings payout. Beam will take the stated rate for your Beam Account at the end of the day and determine the daily earnings payout for a particular day assuming compounding over 365 days and the beginning balance for that day. Fractions of a penny will be rounded down and those fractions of a penny will be carried forward to the next day for purposes of determining the next day’s payout. Beam will credit both the interest and the Daily Rate Rewards you earn each day to your Beam Account by the end of the next calendar day, and all principal and interest on your balances will be available for withdrawal pursuant to the available-for-withdrawal balance as disclosed in the App.

The principal and accrued interest on your balances will be FDIC-insured up to $500,000. Daily Rate Rewards are only covered by FDIC insurance until they are aggregated with your principal balance of your Beam Account at the end of each calendar month. If you have funds at a Participating Bank outside of your Beam Account, this may impact the availability of FDIC insurance at such institution. For example, if your deposits in a Participating Bank exceed $250,000, the excess funds are not covered by the FDIC deposit insurance. You are advised to monitor your deposits in Participating Banks outside of the Program and review the list of Participating Banks carefully, which may change from time to time. You may contact Beam directly to obtain the most recent list.

A comprehensive list of Participating Banks into which your funds may be deposited will be described in the Beam app. The Participating Bank list is subject to change. Interest begins to accrue when the funds are settled. Funds are "settled" when actually received by the Participating Banks. In the extremely rare event of a failure of a Participating Bank, there may be a period during which you may not be able to access your money; nevertheless, your funds will be FDIC-insured to the full amount.

1.2. Beam Account

Obtaining Balance Information. You may obtain information about the balance of funds in your Beam Account at any time by logging into the App.

Maximum Deposit. We may limit the amount you may deposit to your Beam Account. Any such limit will be disclosed in the App. The Beam Account has a maximum starting deposit limit of $15,000 per account, which may be increased in the future. The Beam Account has a weekly deposit limit of $5,000. There are no limits on withdrawals.

Fees. We do not charge any fees for the Beam account.

1.3. FDIC Insurance

The funds in your Beam Account is transmitted to the Participating Banks where the funds earn interest as described above and are eligible for FDIC insurance. Beam uses more than one Participating Bank to ensure FDIC coverage of up to $500,000 for your cash deposits (up to $250,000 at each Participating Bank). For more information on FDIC insurance coverage, please visit www.FDIC.gov.

2. TERMS OF SERVICES

2.1. Eligibility

To use the Services, you must be at least 18 years of age and be a U.S. citizen (or a legal U.S. resident).

2.2. Verification of Your Identity

For our compliance purposes and to provide you the Services, you hereby authorize us to, directly or through a third-party, obtain, verify, and record information and documentation to verify your identity and bank account information. When you register for the Services and from time to time thereafter, we may require you to provide and/or confirm information and documentation that will allow us to identify you, such as, a copy of your government-issued photo ID, such as a passport or driver's license.

By using the Services, you authorize us to obtain, directly or through our third-party service providers, information about you and your external bank account from the financial institution holding your external bank account and other third-party websites and databases as necessary to provide the Services to you. You agree that other third parties will be entitled to rely on the foregoing authorization granted by you. You understand and agree that the Services are not endorsed or sponsored by any third-party account providers accessible through the Services. We make no effort to review information obtained from the financial institution holding your external bank account and other third-party websites and databases for any purpose. The information you provide us is subject to our Privacy Policy.

2.3. Linking an External Bank Account

To use the Services, you will need to link at least one external bank account (“External Account”) to your profile to earn a Beam reward. You represent and warrant that you have the right to control any External Account you sign into via the Services.

When you use the “Add Account” feature of the Service, you will be connected to the website for the third-party financial institution you have identified (or its authorized third party). You will be instructed to submit information including usernames and passwords that you provide to log you into such third-party website(s). As part of the Services, Beam will retrieve balance and other information from the External Accounts you link to your Beam Account. You authorize Beam to access your account information maintained by identified third parties, on your behalf as your agent. Beam makes no effort to review the account information for accuracy or any other purpose and is not responsible for the accuracy of such information. Beam is not responsible for the products and services offered by or on third-party sites. The Platform is not sponsored or endorsed by any third party financial institution at which you have an External Account.

If during the course of linking your External Account your profile is flagged for review by our compliance systems, you may be asked to upload documentation supporting your identity. You agree only to upload documentation that is current, accurate, and belongs to you. Deposits into your Beam Account typically take 2-3 business days to process. During that time the funds will be unavailable for withdrawal or other use.

2.4. Transferring Funds

To Your Beam Account. You may transfer funds from your External Account to your Beam Account via ACH using the Services. Only funds from your External Account may be transferred to your Beam Account. The funds in your Beam Account are held at an FDIC-insured bank in an account in your name. We are not responsible for any third-party fees that you may incur as a result of using the Services, including, but not limited to, third-party fees incurred as a result of maintaining insufficient funds in your External Account.

From Your Beam Account. You may transfer any or all of your funds from your Beam Account to your External Account using the Services. We will generally complete the requested transfer from your Beam Account to your External Account typically within 2-3 business days from our receipt of your request. It may take longer if, for example, you recently made a deposit or if you are withdrawing to a different External Account than the one used for your initial deposit. You authorize us to transfer funds from your Beam Account to your External Account without notice to you upon the closure of your Beam Account as described below and at any time if required by applicable law or if we, in our sole discretion, suspect the Services are being used for unlawful purposes or otherwise in violation of these Terms.

2.5. ACH Processor Terms of Service

We have partnered with Dwolla to provide electronic bank transfers (i.e. ACH Bank Transfers). In order to use the Services, you must open an “Access API” account provided by Dwolla and you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in the Dwolla account are held by Dwolla’s financial institution partners as set out in the Dwolla Terms of Service. You authorize us to share your identity and account data with Dwolla for the purposes of opening and supporting your Dwolla account, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through the Platform, and Dwolla account notifications will be sent by Beam and not Dwolla. We will provide customer support for your Dwolla account activity, and can be reached at [email protected]

2.6. Beam's App and Updates

From time to time, Beam may automatically check the version of App installed on your device and, if applicable, provide updates for the App. Updates may contain, without limitation, bug fixes, patches, enhanced functionality, plug-ins and new versions of the App. By installing the App, you authorize the automatic download and installation of updates and agree to download and install updates manually, if necessary. Your use of the App and updates will be governed by these Terms (as amended by any terms and conditions that may be provided with updates). Beam reserves the right to temporarily disable or permanently discontinue any and all functionality of the App at any time without notice and with no liability to you.

2.7. Termination of these Terms

You may stop using the Services, close your Beam Account, and cancel these Terms at any time by contacting us at [email protected] and providing sufficient information for us to verify your identity. If there are any pending transactions relating to your Beam Account when we receive your termination notice, we will close your Beam Account promptly after such transactions are completed. Your termination of these Terms will not affect any of our rights or your obligations arising under these Terms prior to termination. Upon the closure of your Beam Account, we will transfer the funds in your Beam Account, if any, to your External Account. If your External Account is closed or we are otherwise unable to transfer the funds in your Beam Account to your External Account, we will send you a check for the amount of the funds to you at your street address in our records.

We reserve the right, in our sole discretion and without advance notice to you, to terminate, cancel, or suspend access to your use of the Services or your Beam Account for any reason, including, but not limited to: (a) your breach of these Terms; (b) if you have provided information to Beam that is untrue, inaccurate, not current or incomplete or Beam has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete; or (c) if we suspect unauthorized, fraudulent or illegal activity in your Beam Account, we may freeze your Beam Account pending further investigation. We are not responsible for damages suffered by you or any inconvenience caused directly or indirectly by our termination, suspension, or restriction of your access to the Platform or Services.

2.8. Warranty Disclaimer

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW AND EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THESE TERMS, YOU AGREE THAT YOUR USE OF THE SERVICES AND ALL CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE PLATFORM IS AT YOUR SOLE RISK. THE SERVICES AND PLATFORM ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR THIRD-PARTY SERVICE PROVIDERS EXPRESSLY DISCLAIM ANY AND ALL CONDITIONS, REPRESENTATIONS, AND WARRANTIES OF ANY KIND AS TO THE CONTENT OR OPERATION OF THE PLATFORM OR SERVICES AND CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE PLATFORM, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE AND OUR THIRD-PARTY SERVICE PROVIDERS MAKE NO WARRANTY THAT: (A) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) THE INFORMATION OBTAINED ON THE PLATFORM WILL BE ACCURATE OR RELIABLE; (C) THE QUALITY OF SERVICES OR INFORMATION OBTAINED BY YOU THROUGH THE PLATFORM WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS; (D) THAT ANY CONTENT AVAILABLE THROUGH THE PLATFORM IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES, OR; (E) ANY ERRORS IN THE SERVICES WILL BE CORRECTED.

NO ORAL OR WRITTEN INFORMATION OBTAINED BY YOU FROM US OR OUR THIRD-PARTY SERVICE PROVIDERS THROUGH OR FROM THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

2.9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT BEAM, ITS AFFILIATES, AND ITS AND THEIR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS, AGENTS, AND THIRD-PARTY SERVICE PROVIDERS WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR: (A) THE PERFORMANCE OF THE SERVICES OR THE INABILITY TO USE THE SERVICES; (B) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, WHETHER BASED IN CONTRACT, TORT, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR OTHER INTANGIBLE LOSSES, EVEN IF SUCH PERSONS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHICH ARISE OUT OF OR ARE IN ANY WAY CONNECTED WITH THESE TERMS OR THE SERVICES; (C) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE GREATER OF $200 OR THE AMOUNT TRANSFERRED FROM YOUR EXTERNAL ACCOUNT TO YOUR BEAM ACCOUNT VIA THE SERVICES; OR (D) ANY EVENT BEYOND OUR REASONABLE CONTROL.

SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

2.10. Indemnity

You agree to indemnify, defend and hold us and any of our affiliates, licensors and agents, and all of their officers, directors, employees, agents, information providers and licensors harmless from and against any and all third-party claims, damages, liability and costs (including attorneys’ fees and costs) incurred by any of these parties that arise out of or are caused by your access and use of the Services, your violation of these Terms, your infringement of any intellectual property rights, or violation by any user of your Beam Account. In the event that there are third party claims against you for which you properly seek damages from us under these Terms, or we are subject to any claim for which we have the right to be indemnified by you, we reserve the right at your expense in the case of claims for which we have the right to be indemnified by you to assume the exclusive defense and control of any such claim, and you agree that in any event no such claim can be settled without our written consent.

2.11. Use of Cookies.

The Platform requires cookies to function properly. Cookies are small text files that reside on a user's device and identify you as a unique user. We use cookies to refine our Services and simplify the user experience, and it allows us to personalize your experience on the Platform. For these reasons, we tie User Information to our cookies. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to deny or accept the cookie feature; however, you should note that cookies might be necessary to provide you certain features available on the Platform.

2.12. Security and Restrictions.

Any attempt to tamper with the Platform and/or disable or circumvent its security features; modify, adapt, translate, decompile or reverse engineer any portion of the Platform; use any robot, spider, scraper, deep link, site search/retrieval application or other automated device, extraction tools, programs or algorithms, process or means to access, retrieve or index any portion of the Platform; add or use ActiveX, Java, Javascript, cookies, web beacons or other tracking technologies on the Platform; post or transmit any file which contains viruses, worms, defects, Trojan horses or other items of a destructive or contaminating nature; conduct unauthorized access to Beam or Beam user or customer data; manipulate the Beam offerings; upload or transmit false information or information that infringes on intellectual property rights; remove any copyright, trademark or other proprietary rights notices contained in or on the Platform; upload or transmit unsolicited or unauthorized advertising or solicitation or harmful, deceptive, harassing, defamatory, abusive, threatening, obscene, libelous, unlawful content as determined in Beam's sole discretion; make false statements; create user accounts by automated means or under false or fraudulent pretenses; collect personal data on Beam users; or violate these Terms or other provisions is subject to prosecution and/or legal remedies and other actions Beam may in its sole discretion elect to take. Beam will comply with government, law enforcement, or regulatory requests to the full extent of the law. We offer the Services solely for your personal use for the purposes described therein and in these Terms. Any and all other uses are prohibited. You may only use the Services for your own personal, non-commercial use.

You may not use the Services in any manner that may impair, overburden, damage, disable or otherwise compromise (i) the Services; (ii) any other party’s use and enjoyment of the Services; or (iii) the services and products of any third parties including, without limitation, any device through which you access the App. You agree to comply with all local laws and regulations governing the downloading, installation and/or use of the App, including, without limitation, any usage rules set forth in the online application store terms of service.

2.13. Security of your Access Information.

You agree not to authorize any other person or entity to use your user name and password or mobile device to access the Services. You are solely responsible for the maintenance, confidentiality, and security of your username and password. Except as otherwise required by applicable law, you are responsible for all transactions and other activities authorized or performed using your username and password or mobile device, whether authorized or unauthorized by you. Except as otherwise expressly stated in these Terms or required by applicable law, we are not responsible for any losses arising out of the loss or theft of your User Information, access credentials, or your mobile device or from unauthorized or fraudulent transactions associated with your External Account or your Beam Account. Your passwords and confidential data should be not shared by email.

If your mobile device is lost or stolen or if you suspect someone has gained unauthorized access to your username or password or mobile device, you must contact us immediately at [email protected] In order to take any action, you will need to provide us information to verify your identity.

2.14. Privacy.

We take your privacy seriously. By using the Services, you consent to the collection, use, storage, and disclosure of your information as set forth in these Terms and our Privacy Policy.

2.15. Intellectual Property.

Beam retains full, irrevocable, royalty-free, worldwide, sub-licensable, and perpetual intellectual property rights around any user generated content uploaded, shared, transmitted, or otherwise disseminated on the Platform or through other communications channels. Beam can store, use, reproduce, modify, and adapt such content and will retain full rights to any derivative works or compilations of such content; users warrant by their actions that they have the necessary rights to grant such licenses to Beam. Beam can further delete such content at any time and for any reason. Beam is the owner and/or authorized user of all text, images, data representations, animation, music, sounds, and any and all other materials on the Platform. You may not copy, reproduced, republish, disseminate, exploit, distribute, or otherwise incorporate any material found on the Platform or in Beam’s communications. Such materials are protected by U.S. and international copyright and treaty provisions without limitation as copyrights, trademarks, service marks, logos, and other intellectual property.

2.16. USA PATRIOT Act Notice.

Important information about procedures for using our services under the USA PATRIOT Act of 2001: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you use our services, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a form of identification with your photograph or other identifying documents.

3. GENERAL TERMS

3.1. Assignment. You may not assign these Terms, your rights or obligations under these Terms, or your Beam Account without prior written consent of Beam, and any prohibited assignment will be null and void. Beam may assign these Terms or any rights hereunder without your consent.

3.2. Governing Law. These Terms will be governed exclusively by and construed, interpreted and enforced in accordance with the Federal Arbitration Act, federal arbitration law, and the laws of the State of California, excluding its provisions on conflicts or choice of laws.

3.3. Arbitration. Any dispute, controversy, demand, claim, or cause of action arising out of or relating to the access and use of the Services or any services related to it or these Terms, including the determination of the scope or applicability of these Terms to arbitrate (a “Dispute”), shall be resolved solely by binding, individual arbitration rather than a class, representative or consolidated action or proceeding. You and Beam each further agree this arbitration provision will be governed by, and interpreted, construed, and enforced in accordance with, the Federal Arbitration Act and other applicable federal law, and that you are waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Terms and/or the termination of your access to the Services. As used in this arbitration provision, “we” and “us” mean Beam and its subsidiaries, affiliates, predecessors, successors, and assigns and all of its and their respective employees, officers, directors, agents, and representatives. In addition, “we” and “us” include any third party providing any product, service, or benefit in connection with the Services or these Terms if such third party is named as a co-party with us in any Dispute subject to this arbitration provision.

Exceptions and Opt-Out. As a limited exception to mandatory arbitration as set forth in this Section 3.3 of these Terms, you or Beam may seek to resolve a Dispute in small claims court if it qualifies. If you wish to opt-out of this arbitration provision, you must provide us written notice within 30 days of the date that you first became subject to these Terms or within 30 days of the effective date of any material change to these Terms, by certified mail at the following address: Beam Financial, Inc., 1540 Market St, Suite 100, San Francisco, CA 94102, Attn: Arbitration Opt-Out. Your opt-out notice must include your name, address, phone number, and email address.

How Arbitration Works. The arbitration will be conducted by the American Arbitration Association (“AAA”) pursuant to its Consumer Arbitration Rules (“AAA Rules”), as modified by these Terms. The AAA Rules are available at www.adr.org, or by calling (800) 778-7879. If the AAA is unavailable or unwilling to hear the dispute, the parties will agree to, or the court will select, another arbitration provider. Any arbitration hearings will take place in San Francisco County, California, unless the parties both agree in writing to a different location. We encourage you to contact us in advance of filing a claim for arbitration to see if the dispute can be resolved prior to arbitration.

Arbitration Costs. Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules. If you prevail in arbitration you will be entitled to an award of attorneys’ fees and expenses to the extent provided under applicable law.

Class Action Waiver and Representative Claims. YOU AND BEAM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if our dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. Except as set forth in this arbitration provision, if any portion of this arbitration provision is deemed invalid or unenforceable, it will not invalidate the remaining portions of the arbitration provision. This arbitration provision will survive termination of your Beam Account and these Terms.

3.4. Third-Party Links. The Platform may provide links or references to other sites originating from other companies, individuals or organizations. However, the materials that can be accessed from such sites are not maintained by us and we are not responsible for the contents thereof and we shall not be liable for any damages or injury arising from that content. Any reference to a linked site or any specific third-party product or service by name does not constitute or imply its endorsement by us, and you assume all risk with respect to its use.

3.5. Changes to these Terms or the Services. These Terms may be revised at any time for any reason, and we may provide you notice of these changes by any reasonable means, including by providing notice through the Platform. You can determine when we last updated these Terms by referring to the “Last Updated” legend at the top of these Terms. By continuing to access or use the Platform, you confirm your acceptance of the revised Terms and all the terms incorporated herein by reference. We strongly recommend that you periodically visit this page of the Platform to review these Terms. If you do not agree to the revised Terms, you may not access or use the Services.

3.6. Compliance with Laws. You agree to use the Services for lawful purposes only and to comply with all applicable laws and regulations, including U.S. export and re-export control laws and regulations. The material provided on the Platform is protected by law, including, but not limited to, United States Copyright Law and international treaties.

3.7. Entire Agreement and Severability. These Terms, together with our Privacy Policy and Security Policy, constitute the entire and sole agreement between you and us with respect to the Services and supersedes all prior understandings, arrangements, or agreements, whether written or oral, regarding the Services. In the event of a conflict between these Terms and additional terms, rules, policies, and conditions that are posted on the Platform, these Terms will control. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The failure of Beam to exercise in any respect any right provided for in these Terms shall not be deemed a waiver of any further rights hereunder.

3.8. Third-Party Beneficiaries. Our third-party services providers are third-party beneficiaries of the applicable provisions of these Terms, with all rights to enforce such provisions as if such service providers were a party to these Terms.

3.9. Taxes. You will be responsible for paying, withholding, filing, and reporting all taxes and other governmental assessments associated with your activity in connection with the Beam Account and the Services.

3.10. Contacting Us. If you have any questions, comments, or concerns regarding these Terms or the Services, please contact us at [email protected]

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