Access to the Service.
Subject to your acceptance of and compliance with this Agreement, Cloaked grants to you a non-exclusive, non-transferable, revocable limited license to use the Service or any information or content available thereon for your personal non-commercial use. You agree not to use the Service for any other purpose, or to download, save, copy or distribute the any information or content available on the Service that is not owned by or contributed by you except strictly in connection with your proper use of the Service or as specifically allowed in this Agreement.
Cloaked may change, modify, suspend, or discontinue in its entirety or any aspect of the Service at any time. Cloaked may also impose limits on certain features or restrict or prohibit your access to parts or all of the Service at any time, all without notice or liability.
Your use of the Service is conditioned upon your compliance with this Agreement and any use of the Service in violation of this Agreement may constitute infringement of Cloaked’s copyrights in and to the Service or any information or content available thereon (as applicable). Cloaked reserves the right to terminate your access to the Service without notice if you violate this Agreement or for any reason at Cloaked’s discretion.
In certain instances Cloaked or its vendors may require you to provide proof of identity to access or use the Service, and you agree that you may be denied access or use of the Service if you refuse to provide proof of identity.
You may become an entry-level member of the Service at no cost. As an entry-level member you will have the ability to participate in some, but not all, of the features and services available within the Service. In order to access certain features and services, you must pay a fee for a higher level of membership. We may change the fees charged at any time.
You hereby agree that we may send you informational text (SMS) messages in connection with your use of the Service. You may opt out of receiving text (SMS) messages from Cloaked at any time by following the directions in the text (SMS) communication sent from Cloaked; provided, however, that you hereby acknowledge that opting out of receiving text (SMS) messages may result in your inability to use or access certain aspects of the Service.
Ownership of Intellectual Property.
Unless otherwise specified in writing, the Service and all materials that are part of the Service are owned, controlled, or licensed by Cloaked and its licensors and are protected by law from unauthorized use. The entire contents of the Service are copyrighted under the U.S. copyright laws and/or similar laws of other jurisdictions. Cloaked, and the Cloaked logos, are trademarks of Cloaked and may not be used without the express written permission of Cloaked.
You do not acquire any ownership rights by using the Service, or by copying or downloading material from the Service.
You agree not to copy, redistribute, publish or otherwise exploit the Service or any information or content available thereon, except as expressly permitted herein, without the express prior written permission of Cloaked.
You hereby grant to Cloaked a limited, non-exclusive, worldwide, perpetual, irrevocable, royal-free, sublicensable (through multiple tiers), and transferable right and license to use all comments, feedback, suggestions, ideas, emails, and other submissions disclosed or submitted to Cloaked in connection with your use of the Service (collectively, “Submissions”) in any manner Cloaked may desire, including, but not limited to, to make, have made, use, sell, offer to sell, import, reproduce, modify, create derivative versions of, distribute, publicly display and publicly perform such Submissions, in any and all forms and media now known or hereafter devised, without compensation to you and without identifying you as the creator. You agree that the provisions in this Section 3 will survive any termination of your account(s), the Service, or this Agreement.
"Your Information" is defined as any information or content you provide to Cloaked, or to which you provide Cloaked access, including in the registration or transaction process; as well as your user account; or through any e-mail or other feature of the Service. You hereby waive and release any claims you may have against Cloaked for any damages, costs or liabilities you incur from Cloaked's use of Your Information, including but not limited to damages caused by any distortion, alteration, composite use, whether intentional or otherwise, that may occur in making, processing, duplicating, distributing or displaying Your Information. You agree to include, and to not remove or alter, Cloaked’s trademark, copyright or other proprietary rights notices, as provided by Cloaked on or in connection with the Service, when using or sharing content, or otherwise using the Service, and you agree to comply with usage guidelines that may be provided by Cloaked from time to time. You agree that all goodwill that arises in connection with your use of Cloaked trademarks inures exclusively to Cloaked, and you agree not to challenge Cloaked’s ownership or control of any Cloaked trademarks, nor use or adopt any trademarks that might be confusingly similar to such Cloaked trademarks.
Terms for App Store Apps
If you accessed or downloaded the App from the Apple Store, you agree to use the App only: (1) on an Apple-branded product or device that runs iOS (Apple’s proprietary operating system software); and (2) as permitted by the “Usage Rules” set forth in the Apple Store Terms of Service as of the effective date of this Agreement. If You accessed or downloaded the App from any app store or distribution platform (like the Apple Store, Google Play or the Amazon Appstore) (each, an “App Provider”), then you acknowledge and agree that:
This Agreement is between you and Cloaked, and not with App Provider, and that, as between Cloaked and the App Provider, Cloaked is solely responsible for the App.
The App Provider has no obligation whatsoever to furnish any maintenance and support services with respect to the App.
In the event of any failure of the App to conform to any applicable warranty, you may notify App Provider and App Provider will refund to you any purchase price you paid for the App (if applicable) and, to the maximum extent permitted by applicable law, App Provider will have no other warranty obligation whatsoever with respect to the App. Any other claims, losses, liabilities, damages, costs or expenses attributable to any failure of the App to conform to any warranty will be the sole responsibility of Cloaked.
App Provider is not responsible for addressing any claims you or any third party may have relating to the App or your possession and use of the App, including, but not limited to: (1) product liability claims; (2) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation.
In the event of any third-party claim that the App or your possession and use of the App infringes that third party’s intellectual property rights, Cloaked will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim solely to the extent required by this Agreement.
App Provider and its subsidiaries are third-party beneficiaries of this Agreement as related to your license of the App, and, upon your acceptance of this Agreement, App Provider will have the right (and will be deemed to have accepted the right) to enforce this Agreement as related to your license of the App against you as a third-party beneficiary thereof.
You agree to comply with all U.S. and foreign export laws and regulations to ensure that neither the App nor any technical data related thereto nor any direct product thereof is exported or re-exported directly or indirectly in violation of, or used for any purposes prohibited by, such laws and regulations. By using the App you represent and warrant that: (1) you 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; and (2) you are not listed on any U.S. Government list of prohibited or restricted parties.
Passwords. Cloaked has several tools that allow you to record and store information in your account. You are responsible for all actions on the Service by you or under your password or account and for taking all reasonable steps to ensure that no unauthorized person shall have access to your password or account. Nobody but you may use your password or your account and you are responsible for all actions taken by individuals who use the Service through your password or account in contravention of the foregoing. Without limiting the foregoing, it is your sole responsibility to (1) control the dissemination and use of any login code and password; (2) authorize, monitor, and control access to and use of your Service account and password; (3) promptly inform Cloaked of any need to deactivate a password. You grant Cloaked and all other persons or entities involved in the operation of the Service the right to transmit, monitor, retrieve, store, and use any information recorded and/or stored in your account in connection with the operation of the Service.
Usage Rules. As a condition of your use of and access to the Service, you agree to comply with any application-, tool-, or content-specific rules published within the Service as well as the following usage rules, which Cloaked may modify or supplement in its discretion from time to time (with notice to you of material changes, per Section 1). You agree that you will not, in regard to the Service (as determined by Cloaked in its discretion):
copy, adapt, reverse engineer, decompile, reverse assemble, modify or attempt to discover any software (source code or object code) that the Service creates to generate web pages or any software or other products or processes accessible through the Service; use or launch, develop or distribute any automated system, including, without limitation, any spider, robot (or "bot"), cheat utility, scraper or offline reader that accesses the Service, or use or launch any unauthorized script or other software; distribute any virus, time bomb, trap door, Trojan horse, worm, malware, ransomware or other harmful, malicious or disruptive computer code, mechanism, software, script, agent or program; cover or obscure any notice, legend, warning, banner or advertisement contained on the Service; interfere with or circumvent any security feature of the Service or any feature that restricts or enforces limitations on use of or access to the Service; sell the Service or any part thereof; violate any applicable law, including without limitation any applicable export laws; infringe or violate the rights of any other party, including without limitation any intellectual property rights or rights of privacy or publicity; engage in conduct that is obscene, offensive, pornographic, fraudulent, deceptive, defamatory, threatening, harassing, abusive, slanderous, hateful, or causes embarrassment to any other person; further any chain letters or pyramid schemes, transmit unsolicited messages, or engage in “spam;”deliberately mislead anyone as to your identity, impersonate another, falsely identify the source of any Submissions, or allow another person or entity to use your identity in order to access the Service or post or view Submissions; engage in conduct that conflicts with the spirit or intent of the Service, including without limitation, exposing Cloaked or another to any liability or detriment of any kind; use the Service for any commercial or other purpose other than for personal, family, or household use; or use automated queries, including screen and database scraping, spiders, robots, crawlers, information harvesting, and any other automated activity with the purpose of obtaining information or data from the Service, unless you receive the express written permission of Cloaked.
Communications Decency Act Notification. Pursuant to 47 U.S.C. § 230(d) as amended, Cloaked hereby notifies you that parental control protections (such as computer hardware, software, or filtering services) are commercially available that may assist you in limiting access to material that is harmful to minors. Information identifying providers of such protection is available at the following links:
Please note that Cloaked is not affiliated with the above listed sites, nor is the above intended as an endorsement of any of the products or services listed on such sites.
Disclaimers; Limitations; Waivers of Liability.
YOU EXPRESSLY AGREE THAT USE OF THE SERVICE IS AT YOUR SOLE RISK AND IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE (EXCEPT ONLY TO THE EXTENT THIS DISCLAIMER IS PROHIBITED UNDER APPLICABLE LAWS, AND WITH ANY LEGALLY REQUIRED WARRANTY PERIOD LIMITED TO THE SHORTER OF 30 DAYS FROM FIRST USE OR THE MINIMUM PERIOD REQUIRED BY APPLICABLE LAW). WITHOUT LIMITING THE FOREGOING, NEITHER CLOAKED NOR ITS AFFILIATES OR SUBSIDIARIES, OR ANY OF THEIR DIRECTORS, EMPLOYEES, AGENTS, ATTORNEYS, THIRD-PARTY CONTENT PROVIDERS, DISTRIBUTORS, LICENSEES OR LICENSORS (COLLECTIVELY, "CLOAKED PARTIES") WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, UNCORRUPTED, TIMELY, OR ERROR-FREE.
THE CLOAKED PARTIES FURTHER MAKE NO REPRESENTATIONS OR WARRANTIES THAT THE SERVICE OR THE PROXY-BASED ("CLOAKED") IDENTIFIERS GENERATED BY THE SERVICE WILL BE ACCURATE, RELIABLE, COMPLETE, CURRENT, OR TIMELY. THE SERVICE MAY BE TEMPORARILY UNAVAILABLE FROM TIME TO TIME FOR MAINTENANCE OR OTHER REASONS. CLOAKED IS NOT RESPONSIBLE FOR TECHNICAL MALFUNCTIONS OR OTHER PROBLEMS OF INTERNET NETWORKS OR SERVICES, COMPUTER SYSTEMS, MOBILE PHONE EQUIPMENT, SOFTWARE, OR EMAIL, INCLUDING TECHNICAL PROBLEMS OR TRAFFIC CONGESTION ON THE INTERNET OR AT ANY SITE OR COMBINATION THEREOF, INCLUDING INJURY OR DAMAGE TO A USER'S OR TO ANY OTHER PERSON'S COMPUTER, MOBILE PHONE, OR OTHER HARDWARE OR SOFTWARE, RELATED TO OR RESULTING FROM USING OR DOWNLOADING MATERIALS IN CONNECTION WITH THE INTERNET AND/OR IN CONNECTION WITH THE SERVICE.THE CLOAKED PARTIES DO NOT ENDORSE OR WARRANT ANY PRODUCT, SERVICE, OPINION, OR OTHER INFORMATION THAT MAY BE REFERENCED ON OR THROUGH THE SERVICE. THE SERVICE HEREUNDER IS DESIGNED FOR INFORMATIONAL AND TRANSACTIONAL PURPOSES ONLY. THE CLOAKED PARTIES HAVE NO RESPONSIBILITY FOR OR INVOLVEMENT WITH ANY RELATIONSHIP THAT EXISTS OR COMES TO EXIST BETWEEN A USER OF THE SERVICE AND ANY THIRD PARTY (INCLUDING ANY THIRD PARTY WITH WHOM A USER MAY COMMUNICATE USING THE SERVICE).
THE CLOAKED PARTIES WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, THE USE OR MISUSE OF SUBMISSIONS IN ANY WAY WHATSOEVER ARISING OUT OF THE USE OF, OR INABILITY TO USE, THE SERVICE, WHETHER OR NOT THE CLOAKED PARTIES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN THE EVENT THAT THE FOREGOING EXCLUSION OF LIABILITY IS FOUND BY A COURT OF COMPETENT JURISDICTION TO BE UNENFORCEABLE, AND A DETERMINATION IS MADE THAT CLOAKED IS LIABLE, UNDER NO CIRCUMSTANCES WILL THE CLOAKED PARTIES BE LIABLE TO YOU FOR MORE THAN THE LESSER OF (A) THE AMOUNT YOU HAVE PAID CLOAKED IN THE 90 DAYS IMMEDIATELY PRECEDING THE DATE ON WHICH YOU FIRST ASSERT THE CLAIM OR (B) $100.
TO THE FULLEST EXTENT PERMITTED BY LAW, THESE DISCLAIMERS OF LIABILITY CONTAINED HEREIN APPLY TO ANY AND ALL DAMAGES OR INJURY WHATSOEVER CAUSED BY OR RELATED TO USE OF, OR INABILITY TO USE, THE SERVICE UNDER ANY CAUSE OR ACTION WHATSOEVER OF ANY JURISDICTION, INCLUDING, WITHOUT LIMITATION, ACTIONS FOR BREACH OF WARRANTY, BREACH OF CONTRACT OR TORT (INCLUDING NEGLIGENCE).
Release. You forever release, discharge, and covenant not to sue the Cloaked Parties from any and all liability, claims, actions, and expenses that may arise, whether caused by the negligence of the Cloaked Parties or otherwise, in connection with your use of the Service or your interaction with any party through or as a result of the Service. In other words, you cannot sue the Cloaked Parties if anything happens to you or your property from using the Service or interacting with any party through the Service. You agree that the provisions in this Section 9 will survive any termination of your account(s), the Service, or this Agreement.
Indemnification. You agree to defend, indemnify and hold harmless the Cloaked Parties from and against all liability, claims, actions and expenses, including attorneys' fees and costs, arising out of your use of the Service or your breach or alleged breach of any term, condition, obligation, representation or warranty in this Agreement. You agree that the provisions in this paragraph will survive any termination of your account(s) the Service, or this Agreement.
Governing Law/Waiver of Injunctive Relief.
This Agreement and all aspects of the Service will be governed by and construed in accordance with the internal laws of the U.S. and the Commonwealth of Massachusetts governing contracts entered into and to be fully performed in Massachusetts (thus, without regard to conflict of laws provisions) regardless of your location. With respect to any disputes or claims not subject to informal dispute resolution or arbitration (as set forth below), you agree not to commence or prosecute any action in connection therewith other than in the state or federal courts located in Boston, Massachusetts, and you hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to, venue and jurisdiction in the state and federal courts located in Boston, Massachusetts.
You acknowledge that the rights granted and obligations made hereunder to Cloaked are of a unique and irreplaceable nature, the loss of which will irreparably harm Cloaked and which cannot be replaced by monetary damages alone, so that Cloaked will be entitled to injunctive or other equitable relief (without the obligations of posting any bond or surety) in the event of any breach or anticipatory breach by you. You irrevocably waive all rights to seek injunctive or other equitable relief and agree to limit your claims to claims for monetary damages (if any).
To expedite resolution and control the cost of any dispute, controversy or claim related to this Agreement ("Dispute"), you and Cloaked agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating any arbitration or court proceeding. Such informal negotiations commence upon written notice from one person to the other. You will send your notice to Cloaked, Inc., 1075 Westford Street, Suite 305, Lowell, MA 01851 USA.
Mandatory Arbitration. If you and Cloaked are unable to resolve a Dispute through informal negotiations within 30 days, either you or Cloaked may elect to have the Dispute (except those Disputes expressly excluded below) finally and exclusively resolved by binding arbitration. Any election to arbitrate by one party will be final and binding on the other. YOU UNDERSTAND THAT ABSENT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration will be commenced and conducted under the Streamlined Arbitration Rules and Procedures (the “Rules”) of JAMS, which is available at the JAMS website www.jamsadr.com. The determination of whether a Dispute is subject to arbitration will be governed by the Federal Arbitration Act and determined by a court rather than an arbitrator. Your arbitration fees and your share of arbitrator compensation will be governed by the Rules. The arbitration may be conducted in person, through the submission of documents, by phone or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by a party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so.
Notwithstanding the above, you and Cloaked agree that arbitration will be limited to the Dispute between Cloaked and you individually. To the full extent permitted by law, (a) no arbitration will be joined with any other; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.
You and Cloaked agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of your or Cloaked’s intellectual property rights; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy or unauthorized use; and (c) any claim for injunctive relief or to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate or enter judgment on the award entered by the arbitrator.
The failure of Cloaked to require or enforce strict performance by you of any provision of this Agreement or to exercise any right under any provision of this Agreement will not be construed as a waiver or relinquishment of Cloaked’s right to assert or rely upon any such provision or right in that or any other instance.
You and Cloaked agree that if any portion of this Agreement, except any portion of Section 12.4, is found illegal or unenforceable, in whole or in part by any court of competent jurisdiction, such provision will, as to such jurisdiction, be ineffective to the extent of such determination of invalidity or unenforceability without affecting the validity or enforceability thereof in any other manner or jurisdiction and without affecting the remaining provisions of this Agreement, which will continue to be in full force and effect. If Section 12.4 is found to be illegal or unenforceable then neither you nor Cloaked will elect to arbitrate any Dispute falling within that portion of Section 12.4 found to be illegal or unenforceable and such Dispute will be decided by a court of competent jurisdiction within Boston, Massachusetts, and you and Cloaked agree to submit to the personal jurisdiction of that court.
Term and Termination. This Agreement will remain in effect as long as your account is up-to-date and you remain in compliance with the terms hereof, unless it has been voluntarily suspended or terminated by you or Cloaked. You may terminate this Agreement by destroying all Service-related materials obtained from the Service, Cloaked or any other web site or source. The privileges granted to you under this Agreement will terminate immediately and automatically without notice from Cloaked if, in our sole discretion, you fail to comply with any term or provision of this Agreement or for any reason in Cloaked’s sole discretion. Following the termination of this Agreement, your account(s), or the Service, Cloaked shall retain all rights to the Submissions pursuant to this Agreement.
Construction. In this Agreement, unless a clear contrary intention appears: (i) where not inconsistent with the context, words used in the present tense include the future tense and vice versa and words in the plural number include the singular number and vice versa; (ii) reference to any person includes such person’s successors and assigns but, if applicable, only if such successors and assigns are not prohibited by this Agreement; (iii) reference to any gender includes each other gender; (iv) reference to any agreement, document or instrument means such agreement, document or instrument as amended or modified and in effect from time to time in accordance with the terms thereof and includes all addenda, exhibits and schedules thereto; (v) the titles and subtitles used in this Agreement are used for convenience only and are not to be considered in construing or interpreting this Agreement; (vi) “hereunder,” “hereof,” “hereto,” and words of similar import shall be deemed references to this Agreement as a whole and not to any particular Section or Subsection of this Agreement; (vii) “including” (and with correlative meaning, “include”) means including without limiting the generality of any description preceding such term; (viii) any reference to “dollars” means United States Dollars; (ix) all references to “days” refer to calendar days; and (x) the word "or" is not exclusive. This Agreement has been executed in English and the English language version shall control notwithstanding any translations of this Agreement. Unless otherwise expressly permitted under this Agreement, all deliverables will be in English.
Questions? If you have any questions about this Agreement, its terms, your account or your rights hereunder, or if you have any complaints or claims, please contact:
1075 Westford Street
Lowell, MA 01851
Payment. You understand that use of the Service may result in payments by you for the services you receive (“Charges”). After you have received the full service obtained through your use of the Service and applications, Cloaked will process payment of the applicable Charges, using the preferred payment method designated in your account, and will send you a receipt by email.
Charges will be inclusive of applicable taxes where required by law. Charges paid by you are final and non-refundable, unless otherwise determined by Cloaked. Any request for lower Charges or disagreement with the Charges should be addressed to Cloaked by contacting [email protected].
We reserve the right to establish, remove and/or revise Charges for any or all aspects of the Service at any time in our sole discretion, by posting or otherwise delivering notice to you. Any use of the Service after a notice of new or revised Charges has been posted on the Site or delivered to you will be deemed your acceptance of these new or revised Charges.
Cloaked may from time to time provide certain users with promotional offers and discounts that may result in different Charges for the same or similar Service, and you agree that such promotional offers and discounts, unless also made available to you, shall have no bearing on your use of the Service or the Charges applied to you.
To the extent permitted by applicable law, with respect to any paid Service subscription, you agree and acknowledge that you are not entitled to any refund for any amounts which were pre-paid on behalf of your account prior to any termination of your account. Although under certain circumstances, users located in the European Economic Area may have a right to cancel pre-paid account subscriptions within 14 days of signing up for, upgrading to or renewing a Service account, by accessing your Service account, you acknowledge that PERFORMANCE OF THIS AGREEMENT HAS BEGUN UPON ACCESSING YOUR ACCOUNT AND YOU THEREBY LOSE YOUR RIGHT OF WITHDRAWAL UNDER APPLICABLE LAW, INCLUDING APPLICABLE EUROPEAN UNION LAW, IN RESPECT OF THE PURCHASE OF ANY DIGITAL CONTENT HEREUNDER, AND YOU THEREBY WAIVE ANY RIGHT YOU MAY HAVE TO A REFUND OF ANY AMOUNTS WHICH WERE PRE-PAID ON BEHALF OF YOUR ACCOUNT PRIOR TO ANY TERMINATION OF YOUR ACCOUNT. However, if you voluntarily cancel your paid Service subscription, the termination of your account will not occur until the end of the subscription period for which you have paid, and you will be able to continue using your account until such time.
The policies below play an important role in keeping the Cloaked ecosystem safe and applies to your Cloaked Account, and use of Cloaked Pay, Cloaked.app, Cloaked mobile app or any other Cloaked website (collectively the “Cloaked Site”).
What type of activity is prohibited?You may not use your Cloaked Account to engage in the following categories of activity:
• Unlawful Activity: Activity which would violate, or assist in violation of, any law, statute, ordinance, regulation, or sanctions programs administered where Cloaked conducts business, including but not limited to the U.S. Department of Treasury's Office of Foreign Assets Control ("OFAC"), or which would involve proceeds of any unlawful activity; publishing, distributing or disseminating any unlawful material or information.
• Abusive Activity: Actions which impose an unreasonable or disproportionately large load on our infrastructure, or detrimentally interfere with, intercept, or expropriate any system, data, or information; transmit or upload any material to the Cloaked Site that contains viruses, trojan horses, worms, or any other harmful or deleterious programs; attempt to gain unauthorized access to the Cloaked Site, other Cloaked Accounts, computer systems or networks connected to the Cloaked Site, through password mining or any other means; use Cloaked Account information of another party to access or use the Cloaked Site, except in the case of specific merchants and/or applications which are specifically authorized by a user to access such user's Cloaked Account and information; or transfer your account access or rights to your account to a third party, unless by operation of law or with the express permission of Cloaked. We may limit Cloaked services, phone number(s) or phone number use, if we believe that abusive activity, excessive use, or illegal conduct is occurring, at our sole discretion.
• Abuse Other Users: Interfere with another individual’s or entity's access to or use of any Cloaked Services; defame, abuse (including, but not limited to, robocalling), extort, harass, stalk, threaten or otherwise violate or infringe the legal rights (such as, but not limited to, rights of privacy, publicity and intellectual property) of others; harvest or otherwise collect information from the Cloaked Site about others, including without limitation email addresses, without proper consent. Use of Artificial Intelligence-based voices or texts through outbounding calling using Cloaked phone numbers, including marketing campaigns and/or robocalling, using such AI-based voices for outbound calls. This does not prevent use of AI-based technology to assist individuals that are unable to speak or are otherwise using AI to assist a handicap.
• Fraud: Activity which operates to defraud Cloaked, Cloaked Pay, Cloaked users, or any other person; provide any false, inaccurate, or misleading information to Cloaked or attempts to steal funds from Cloaked or any third-parties.
• Unlawful Gambling: Lotteries; bidding fee auctions; sports forecasting or odds making; fantasy sports leagues with cash prizes; internet gaming; contests; sweepstakes; or games of chance that are not sanctioned by a governmental body or regulatory authority.
• Intellectual Property Infringement: Engage in transactions involving items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the law, including but not limited to sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder; use of Cloaked intellectual property, name, or logo, including use of Cloaked trade or service marks, without express consent from Cloaked or in a manner that otherwise harms Cloaked or the Cloaked brand; any action that implies an untrue endorsement by or affiliation with Cloaked.
• Note: With Cloaked approval, ethical hacking under the guidelines of any agreement or program with Cloaked is permissible.
What type of businesses are prohibited from using Cloaked Services?
In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Cloaked Services ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by card network rules or the requirements of our banking providers or processors. You confirm that you will not use Cloaked Services in connection with any of the following businesses, activities, practices, or items:
• Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes.
• Restricted Financial Services: Check cashing, bail bonds; collections agencies.
• Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder.
• Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen.
• Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis.
• Drugs and Drug Paraphernalia: Sale of narcotics, controlled substances, and any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs.
• Pseudo-Pharmaceuticals: Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body.
• Substances designed to mimic illegal drugs: Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom).
• Obscene Content and Services: Sites offering any sexually-related services such as prostitution or escorts.
• Multi-level Marketing: Pyramid schemes, network marketing, and referral marketing programs.
• Unfair, predatory or deceptive practices: Investment opportunities or other services that promise high rewards; sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers.
• High risk businesses: Any businesses that we believe pose elevated financial risk, legal liability, or violate card network rules or bank policies.
• Spam-bots or Spam Companies.
Cloaked will cooperate with law enforcement, including jointly handling bad actors or any national security concerns, if and as those arise. The Cloaked platform is built in an E2E encrypted, zero-knowledge access manner, so Cloaked's access is limited, but we will comply with legal obligations.
The specific types of use listed above are representative, but not exhaustive. If you are uncertain as to whether or not your use of Cloaked involves a Prohibited Use or Prohibited Business, or have questions about how these requirements apply to you, please contact us at [email protected].