1414 36th St
Long Island City NY 11101

Thank you for visiting our website (“Site”). As used herein, the terms “Usio®”, “our,” “we,”
and “us” mean Usio® and/or its subsidiaries. We will update the Ustawi
Privacy Policy and Website Use Agreement (“Policy” or “Agreement”) from time to time without
prior notice and encourage you to review this Policy periodically for any updates.


We will communicate with you by e-mail or by posting notices on this Site. You agree that all
agreements, notices, disclosures, or other communications that we provide to you electronically
satisfy any legal requirement that such communications be in writing.

You are granted a limited, nonexclusive, nontransferable license to access the Site and its
content in accordance with this Policy. By accessing this Site and becoming a User, you certify
that you are 18 years of age or older. If you are under the age 18, you may use our Site only with
the involvement of a parent or guardian who has agreed to be bound by this Policy.

Our Site is hosted in the United States of America (“USA”) and contains information that is
appropriate for access and use in the USA and Canada. While we provide specific information for
Usio® Authorized Country markets, we make no representation that any materials on the
site(s) are appropriate or available for use outside the USA and Canada or those designated Usio®
Authorized Country markets. Any references on the site(s) to specific products or services are
applicable only to those available in the USA and Canada and/or other authorized Usio® country
markets. Any who access this site from locations outside the USA and Canada do so according to their own
initiative and are responsible for compliance with local laws.

We reserve the right to refuse service in our sole discretion and without notice. You are solely
responsible for your use of the site(s), and you agree to compensate, hold harmless, and defend
us from any claims, damages, losses, liabilities, costs, and expenses, including attorneys’ fees,
resulting from your use or misuse of the Site. Posting or transmitting any unlawful, infringing,
threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane
material or any material that could constitute or encourage conduct that would be considered a
criminal offense, give rise to civil liability, or otherwise violate any law, is strictly prohibited.
Usio® is committed to safeguarding and protecting its users, ambassadors and customers
and this Policy informs you about the types of information we may collect about you when you
visit our Site and how we may use that information.

Usio® collects either anonymous (“General Information”) or Personal Information on the
Site. General Information refers to website use information that cannot be traced back to a
specific individual, e.g., the total number of visitors to our Site. Personal information refers to
specific information about a Site user, e.g., name, address, e-mail address, telephone number
and credit card information. Please note that it is your choice whether to share Personal
Information via the Site.

Usio® Privacy Policy and Website Use Agreement
1414 36th St
Long Island City NY 11101

Certain General Information is automatically collected including “site usage” information from all
Site users only in the aggregate. General Information helps Usio® to improve your
experience and may be shared with third parties any time.

When you place an order for products or services, we collect Personal Information (such as
name, contact and billing information, credit card, and other transaction information) and we use
this information to deliver your order, process payment, and to communicate with you about the
status of your order. We will provide information necessary to the delivery of your order to our
shipping partners to include the type of products ordered.

All billing and other information submitted to this Site must be truthful and accurate. Providing
any untruthful or inaccurate information is a breach of this Agreement and may also be a breach
of any applicable Usio® Customer Agreement and/or Usio® Ambassador Application
and Agreement. By completing the checkout process you agree to accept and to pay for the
product(s) or service(s) requested. You represent and warrant that you have the legal right to
use any credit card or other payment means used to complete any transaction.

In the event a product is listed at an incorrect price or with incorrect information due to
typographical error or error in pricing or product information, Usio® shall have the right to
refuse or cancel any orders placed for any product listed at the incorrect price. Usio®
shall have the right to refuse or cancel any such orders whether the order has been confirmed
or not and the User’s credit card charged. Usio® reserves the right in its sole discretion to
refuse or cancel any order for any reason. If your credit card has already been charged for the
purchase and your order is cancelled, Usio® shall immediately issue a credit to your credit
card account in the amount of the charge. Usio® attempts to be accurate in all product
descriptions, nevertheless, Usio® does not warrant that any product description or the
content on the Site is accurate, complete, reliable, current or error free. If you find the product
is not as described, your sole remedy is to return it pursuant to Usio® return policy.

Usio® reserves the right, without prior notice, (a) to impose conditions on the honoring of
any coupon, coupon code, promotional code or other promotion, (b) change a product
description, (c) limit the availability of any product or services, (d) refuse to provide any Site user,
ambassador or customer with any services. Any claim or cause of action with respect to this Site
must be commenced within one year after the claim arises. Price and availability of any
Usio® Product or Service may be changed at any time without notice.

This Site may contain contests or promotions that require you to send material or information
about yourself or your brand ambassador to participate. Please note that any contest or promotion
offered through the Site may have additional terms and conditions, that may include, among
other things, eligibility requirements such as age limits and geographical restrictions. If you
decide to participate in such contests or promotions, it will be your responsibility to opt in to the
contest or promotion, familiarize yourself with any relevant terms and conditions and by your
participation you agree to comply with any such terms and conditions which shall be binding
and final in all respects.

We utilize Secure Sockets Layer (“SSL”) for our website security. SSL creates an encrypted link
between the web server and the web browser to ensure that the data passed between the web
server and the browser remains private and secure.

Credit card information collected at registration or for shopping cart orders is used only to process payment for the transaction and, generally, is not retained on our Site.

Usio® Privacy Policy and Website Use Agreement
1414 36th St
Long Island City NY 11101

You may, however, voluntarily elect to securely store personal credit card information for use in future
orders on your web browser. You may add, edit, and delete your stored card information at any

Except as disclosed in this Policy, we do not sell, trade, rent, or otherwise retransmit any
Personal Information we collect online unless we have your permission. Any Personal
Information you provide to us will be stored in our US databases or with our third-party vendor
who processes our credit card transactions in the United States of America and Canada. Usio® may
disclose certain information to third-party vendors, if necessary, to provide you with your
requested product or service and to third parties who provide various services to Usio®
all of which must adhere to this Policy.

To assure the highest level of personal service to our ambassadors and customers, we may share
Personal Information about you (excluding credit card information and order details) with your
servicing ambassador who is also bound by this Policy.

We will provide required Personal Information in response to a lawful court order, subpoena, or
government investigation. We also reserve the right to report to law enforcement agencies any
activities that we in good faith believe to be unlawful. We may release Personal Information
when we believe that such release is reasonably necessary to enforce contracts and/or
agreements or to protect the rights, property, and safety of others and ourselves.

We acknowledge your trust and are committed to take reasonable steps to protect Personal
Information you provide online from loss, misuse, and unauthorized access. We employ
physical, electronic, and managerial processes to safeguard and secure your information.
Our Site makes use of a “cookie”, which is a small data file transferred to your computer’s hard
drive that allows a Web site to respond to you by gathering and remembering information about
your preferences in order to tailor the Site’s operation to your needs and desires. Cookies also
enable us to keep track of a consumer’s electronic “shopping cart” before completing a
purchase. Accepting a cookie does not provide us access to your computer or any Personal
Information about you, other than the information you choose to share. Other servers cannot
read them, nor can they be used to deliver a virus.

We use cookies for the following purposes: Essential Cookies are used to allow users to stay
logged in and for storing shopping cart Identification and contents. In Countries where allowed,
analytics cookies are used with Google Analytics to gather data on the number of people
accessing our site, where they are accessing from, what pages they visit, and what technology
they are using. Google Analytics cannot identify you personally but does allow us to understand
our users as a group, for example by recording what browsers are being used. Analytics
cookies may either be first party cookies or third-party cookies as follows:

_utma has typical content of randomly generated numbers that expire after two years;
_utmb has typical content of randomly generated numbers that expire after 30
_utmc has typical content of randomly generated numbers that expire upon user
existing the browser;
_utmz has typical content of randomly generated numbers and information about how
the page or site was reached, e.g., directly or via a link, organic search or paid search
that expire after six months; and
__utmmobile has typical content of randomly generated numbers that expire after two years.

Usio® Privacy Policy and Website Use Agreement
1414 36th St
Long Island City NY 11101

Links to third-party Web sites may be provided solely for your information and convenience. If
you use these links, you will leave our Site. This Policy does not cover the information practices
of those web sites linked to our Site, nor do we control their content or privacy policies. We
recommend that you carefully review the privacy policies of each site you visit.

Any link to any other site is provided as merely a convenience to the users of this Site. This Site
may provide links or references to other sites, but Usio® has not reviewed all these other
sites, has no responsibility for the content of such other sites and shall not be liable for any
damages or injury arising from any such content. Usio® does not endorse or make any
representations about these sites, or any information or other products or materials found there,
or any results that may be obtained from using them. If you decide to access any of these other
sites linked to this Site, you do so entirely at your own risk.

Unless you have a written agreement in effect with Usio® that states otherwise, you may
only provide a hyperlink to the Site on another website if you comply with all of the following: (a)
the link must be a test-link link clearly marked “Usio®” or the link must “point” to the URL
www.usio.life” and not to other pages within the Site; (b) the link, when activated by
you, must display the Site full-screen and not within a “frame” on the linking website; and (c) the
appearance and position and other aspects of the link must not be such as to damage or dilute
the goodwill associated with Usio® name and trademarks or create the false
appearance that Usio® is associated with, or a sponsor of, the linking website. By
providing this consent, Usio® is not foregoing its ownership or rights in any trademark,
copyright, patent and/or any other forms of intellectual property associated with the
Site. Usio® reserves the right to revoke its consent to any link at any time in its sole

We take special care to protect the privacy needs of children. Our Site does not target and is
not intended for children under the age of 18, and we will not knowingly collect Personal
Information from them. You must be at least 18 years old to be a customer and/or ambassador.
The contents of the Site, such as text, graphics, logos, audio clips, video, photographs, software,
and other information (the “Content”) is the property of Usio® and is protected by federal
and international copyright and trademark laws, or other proprietary rights. These rights are
protected in all forms, media and technologies existing now or hereinafter developed. You may
print and download portions of material from the different areas of the Site solely for your
personal non-commercial use or as otherwise permitted. No portion of the Content may be
reprinted, republished, modified, or distributed in any form without the express written
permission of Usio®. You may not, and this Policy does not give you permission to,
reproduce, reverse engineer, decompile, disassemble, modify, transmit, sell, distribute, license
or create derivative works with respect to the Site. Certain content may be licensed from third
parties and all such third-party content and all intellectual property rights related to the content
belong to the respective third parties. You may not remove, alter or modify any copyright,
trademark or other intellectual property or proprietary notice or legend contained on the Site or
the Content. Any rights not expressly granted by this Agreement or any applicable end-user
license agreements are reserved by Usio®.

Our site and its contents are provided “as is” and “as available”, with no warranty of any
kind. To the fullest extent permissible under applicable law, we expressly disclaim all
warranties, express or implied, including without limitation the warranties of merchantability,
fitness for a particular purpose, and noninfringement, and those arising by statute or otherwise
in law or form a course of dealing or usage of trade.

Usio® Privacy Policy and Website Use Agreement
1414 36th St
Long Island City NY 11101

We make no representation or warranty whatsoever regarding the completeness, accuracy, correctness, integrity, reliability, currency, adequacy, suitability, functionality, availability, or operation of this Site or the content or services
provided on, or accessible from, this Site. We do not warrant that the operation of this Site will
be uninterrupted, error-free, free from viruses, and/or other harmful components to equipment
or software.

In no event will we be liable, nor do we assume responsibility, for any direct, indirect, special,
incidental, or consequential damages arising out of or in connection with the use or inability to
use this Site (or the content or services provided on, or accessible from, this Site), or otherwise,
even if we are advised of the possibility of such damages.

When Usio® changes this Policy, we will post any changes here so that you will always
know what information we collect, and how we might use or disclose that information. Any
changes to this Policy will be considered effective immediately after the changes are posted on
this Site.

This Agreement and Policy and access to the Site shall be governed by and construed in
accordance with the law of the state of Utah, exclusive of its choice of law rules and matters
affecting copyrights, trademarks and patents under federal law of the USA. You hereby
irrevocably and unconditionally consent to submit to the exclusive jurisdiction of the courts of
the state of Utah and of the USA located in Utah for any litigation arising out of or relating to use
of the Site or purchases of services made through the Site (and agree not to commence any
litigation relating thereto except in such courts). You hereby irrevocably and unconditionally
waive any objection to the laying of venue of any such litigation in the courts of the state of

This Agreement and Policy and any documents expressly incorporated by reference constitute
the entire agreement between Usio® and you pertaining to the subject matter hereof. In
its sole discretion, Usio® may unilaterally amend or modify this Agreement and Policy or
any other documents referenced herein at any time by posting on the Site. Any amended or
modified terms will be effective upon posting. Continued use of the Site constitutes acceptance
of any modified terms and conditions.

Contact us If you have any concerns about the use of your information or about this Policy,
please send us an e-mail or call us at the below number:

Customer Care:
1414 36th St
Long Island City NY 11101
Email: hello@usio.life