Terms of Service

Last Updated: July 03, 2026

PLEASE READ THESE TERMS CAREFULLY

THESE TERMS CONTAIN AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER (SEE SECTION 21). PLEASE READ THEM CAREFULLY. UNLESS YOU OPT OUT OF ARBITRATION WITHIN 30 DAYS OF FIRST ACCEPTING THESE TERMS (AS DESCRIBED IN SECTION 21.6), YOU AND NETTYWORTH AGREE THAT DISPUTES BETWEEN US WILL BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

1. Acknowledgment and Agreement

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “User”) and NETTYART CORPORATION, a Delaware corporation, doing business as NettyWorth (“NettyWorth,” “we,” “us,” or “our”). These Terms govern your access to and use of the NettyWorth platform, including our website at www.nettyworth.io, any mobile applications, and all related software, technology, and services (collectively, the “Service”).

By accessing or using the Service — including creating an account, connecting a digital wallet, purchasing a digital pack, participating in the marketplace, taking a loan, or otherwise engaging with any feature of the Service — you acknowledge that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy (available at www.nettyworth.io/privacy) and any supplemental terms referenced herein (collectively, the “Agreement”).

If you do not agree to these Terms, you must immediately cease all use of the Service.

Changes to These Terms. We may update these Terms at any time. For material changes — including changes to fees, interest rates, buyback rates, or refund policies — we will use reasonable efforts to provide advance notice via email and/or through the Service before such changes take effect. For non-material changes, we will update the “Last Updated” date above. Your continued use of the Service after the effective date of any revised Terms constitutes your acceptance of such changes. Any change to the arbitration agreement in Section 21 will be subject to at least thirty (30) days’ advance notice, and any such change will not apply to Disputes that were already pending or filed before the effective date of the change.

Electronic Communications. By creating an account or using the Service, you consent to receive electronic communications from NettyWorth, including emails, push notifications, and in-app messages. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

2. Definitions

The following definitions apply throughout these Terms. Defined terms have the same meaning whether used in singular or plural form.

"Account" means the unique account you create to access the Service.
"Asset" means any physical collectible item — including but not limited to graded trading cards, sports cards, and other memorabilia — that is vaulted by NettyWorth or its vault partners and corresponds to a Digital Token.
"Buyback Offer" means an offer made by NettyWorth to repurchase a card you received from a Pack opening, at a price determined by NettyWorth in its sole discretion.
"Collateral" means an Asset, together with the corresponding Digital Token, pledged by you to secure a Loan and immobilized by the Protocol for the duration of the Loan.
"Digital Token" means a unique blockchain-based token (including NFTs and similar digital assets) that represents an ownership claim in a corresponding physical Asset stored in vault custody.
"Loan" means a fixed-term loan entered into directly between Users — made by a lending User to a borrowing User and facilitated through the Protocol — secured by Collateral, and subject to Section 9.
"Marketplace" means the peer-to-peer trading environment on the Service through which Users may buy, sell, and trade Digital Tokens.
"NFT" means a non-fungible token — a unique digital token recorded on a blockchain.
"Pack" means a digital product available for purchase on the Service containing one or more randomly selected Digital Tokens, each corresponding to a physical Asset stored in vault custody.
"RWA" or "Real-World Asset" means a physical asset represented on-chain through a Digital Token.
"Service" means the NettyWorth platform, website, mobile applications, and all related tools, features, and services offered by NettyWorth.
"Protocol" means the blockchain-based software, algorithms, and automated systems that are designed to facilitate the immobilization, release, and transfer of Collateral and Digital Tokens, and to execute other automated functions through the Service.
"Vault" means the secure storage facility operated by NettyWorth's vault partners (currently PSA and/or Brinks) where physical Assets are stored on behalf of Users.
"Wallet" means a software-based digital wallet — either connected by you or automatically created for you upon registration — used to hold Digital Tokens and supported cryptocurrencies.
"You" or "User" means the individual accessing or using the Service, or the legal entity on whose behalf such individual acts.

3. About the Services

NettyWorth provides software and a related technology interface (the “Service”) that
enables Users to interact with digital and physical collectibles and with one another on a
peer-to-peer basis. NettyWorth is not a party to, and does not take principal positions in,
transactions between Users effected through the Service, except where NettyWorth is
expressly identified as a counterparty at the point of transaction. The Service currently
includes the following core features:

(a) Collectibles Platform. NettyWorth offers a platform for purchasing digital Packs containing graded physical collectibles (beginning with PSA-graded Pokemon cards), a peer-to-peer Marketplace for buying, selling, and trading Digital Tokens, and a Buyback program. See Sections 5, 6, and 8 for full terms.

(b) Physical Asset Custody. NettyWorth, through its vault partners, stores physical Assets underlying Digital Tokens on behalf of Users and facilitates the redemption and shipping of physical Assets to Users who choose to claim them. See the Vault Addendum for full terms.

(c) Lending. NettyWorth provides the Protocol, which is designed to enable eligible Users to enter into fixed-term loans with one another on a peer-to-peer basis, secured by vaulted Assets. NettyWorth is not the lender and is not a party to any Loan. See Section 9 for full terms.

Not a Broker, Dealer, Exchange, or Financial Institution. NettyWorth is a technology and
software provider. NettyWorth is not a broker, dealer, exchange, marketplace operator (in the regulated sense), money transmitter, financial institution, creditor, lender, custodian (except as expressly stated in the Vault Addendum), or investment advisor. Nothing in these Terms or the Service constitutes legal, financial, tax, or investment advice. You are solely responsible for your own investment, financial, and transactional decisions.

No Control Over Wallets. NettyWorth does not have direct access to, or control over, your connected digital wallet or the assets it holds. The Service may include support for you to create an embedded wallet using third party wallet software. You remain responsible for the security of that wallet and any other wallet you use to connect to the site or use in connection with the Service.

4. Eligibility and Your Account

4.1 Eligibility

To access and use the Service, you must:

Be at least eighteen (18) years of age, or the age of majority in your jurisdiction, whichever is greater;
Have the legal capacity to enter into a binding agreement;
Not be a resident of, or located in, any jurisdiction where use of the Service is prohibited by applicable law;
[Not be a resident of, or currently located in, the State of Hawaii or the State of Utah, where the Pack purchase and randomized collectible features of the Service are not available due to applicable state law. Users in Hawaii and Utah may access other features of the Service but may not purchase Packs or participate in any randomized-outcome mechanic;]
Not be subject to any economic sanctions administered or enforced by the United States or any other applicable jurisdiction, and not be identified on any government denied-party, prohibited-party, or restricted-party list; and
Not have been previously suspended or removed from the Service by NettyWorth.

By using the Service, you represent and warrant that you meet all of the foregoing eligibility requirements. If you are using the Service on behalf of a legal entity, you represent and warrant that you have authority to bind that entity to these Terms. NettyWorth reserves the right, in its sole discretion and without liability, to restrict, geofence, suspend, or block access to all or any part of the Service by jurisdiction, geographic region, or User, and to take reasonable measures to verify eligibility and enforce these requirements.

4.2 Account Registration

You must create an Account to access most features of the Service. You may register using an email address or by connecting a compatible digital wallet. If you do not have a digital wallet, you may create an embedded wallet upon registration. Embedded wallet services are provided by a third-party service provider and are subject to that provider’s terms of service. NettyWorth is not responsible for the embedded wallet service or the third-party provider, and your use of any embedded wallet is at your own risk.

You agree to provide accurate, complete, and current information when creating your Account, and to update that information as necessary. The name on your Account must be your own legal name or the registered name of your entity.

4.3 Account Security

You are solely responsible for:

Maintaining the security and confidentiality of your Account credentials and any
private keys associated with your wallet;
All activity that occurs under your Account, whether or not authorized by you; and
Promptly notifying NettyWorth at [email protected] of any unauthorized access to or
use of your Account or wallet.

NettyWorth will not be liable for any loss or damage arising from your failure to safeguard your Account credentials or wallet access. You may not transfer your Account to any third party without our prior written consent.

You acknowledge that unauthorized access to your Account or wallet could result in the loss or theft of Digital Tokens, physical Assets, or funds. You understand and agree that NettyWorth is not responsible for managing the security of your personal wallet and shall not be liable for unauthorized access to it. NettyWorth does not have access to, and cannot recover, your private keys, seed phrases, or recovery phrases. If you lose access to your wallet credentials, recovery phrase, or private keys, you may permanently lose access to your Digital Tokens and any associated Assets, and NettyWorth will have no ability to restore such access or recover such assets on your behalf.

Blockchain Transaction Finality. You acknowledge and agree that transactions on blockchain networks are irreversible once confirmed. NettyWorth cannot reverse, cancel, modify, or recover any Digital Token or cryptocurrency once a blockchain transaction has been broadcast, whether initiated by you, by NettyWorth at your direction, or by any third party. You are solely responsible for verifying the accuracy of all wallet addresses and transaction details before initiating any transfer.

Supported Networks and Tokens. The Service supports only certain blockchain networks and token standards as specified on the Service. Sending unsupported tokens or assets to your wallet, or sending supported tokens via an unsupported network, may result in permanent and irreversible loss of those assets. NettyWorth is not responsible for any loss resulting from your use of unsupported networks or tokens.

4.4 Identity Verification (KYC) and Age Verification

KYC/AML. NettyWorth may require you to complete identity verification (“KYC”) at any time, including in connection with applicable laws and regulations. We may also require additional information or suspend your access to the Service if we have reason to believe that: (i) your Account is being used for money laundering or any other illegal activity; (ii) you have provided false or misleading identification information; or (iii) you have breached any provision of these Terms.

Age Verification and COPPA Compliance. NettyWorth does not knowingly permit users under the age of thirteen (13) to create an Account or use the Service. If we learn that we have collected personal information from a child under 13 without verifiable parental consent, we will delete that information and terminate the associated Account. NettyWorth also complies with applicable state children’s privacy laws, including the California Age-Appropriate Design Code Act and any similar laws enacted in other states, and will update its practices as required to remain in compliance with such laws as they take effect.

For users between the ages of thirteen (13) and fifteen (15) inclusive (“Teen Users”), NettyWorth requires verifiable parental consent before such users may: (a) purchase Packs or participate in any randomized outcome mechanic; (b) make any transaction involving real money or Digital Tokens; or (c) participate in the Marketplace. NettyWorth will use commercially reasonable age verification measures at account registration and at the point of purchase. A checkbox self-attestation alone is not sufficient for Pack purchases — NettyWorth will implement verification appropriate to the nature and value of the
transaction.

Users who provide false age information to circumvent these restrictions do so in violation of these Terms and assume all legal and financial risks associated with any resulting transactions.

5. Collectibles Platform and Pack Purchases

5.1 Overview

NettyWorth offers digital Packs for purchase at various price points as displayed on the
Service. Each Pack contains one or more randomly selected Digital Tokens, each
corresponding to a real physical Asset — currently PSA-graded Pokemon cards — stored in
a professional vault facility. The contents of each Pack are determined by a random
selection algorithm at the time of opening.

5.2 Randomized Outcomes and Assumption of Risk

You acknowledge and agree that:

Pack contents are randomized. The specific cards you receive are not predetermined or guaranteed;
The value of cards received may be more or less than the purchase price of the Pack;
Past results — including cards received by other users — do not guarantee or predict future results; and
Purchasing Packs involves an inherent element of chance regarding the specific items received.

By purchasing any Pack, you voluntarily assume all risks associated with randomized outcomes, including the risk that the value of items received may be significantly less than the amount paid. You are not relying on any representation by NettyWorth regarding expected value or probability of high-value outcomes.

5.3 Regulatory Characterization

Pack purchases are purchases of digital goods with randomized contents, analogous to the purchase of sealed physical trading card products (e.g., booster packs). Pack outcomes are determined entirely by a cryptographic algorithm with no human involvement in the selection process.

NettyWorth does not intend for Pack purchases to constitute gambling and does not market them as such. Regulatory definitions vary by jurisdiction and continue to evolve. You are solely responsible for determining whether your use of the Pack feature complies with all laws and regulations applicable in your jurisdiction. If you are unsure about the legality of purchasing Packs in your jurisdiction, we strongly recommend consulting a qualified legal professional before proceeding.

5.4 Odds Disclosure
Before you confirm any Pack purchase, NettyWorth will display — on the purchase screen itself, not solely in these Terms or a separate page — the following information for that

Pack type:

The drop rate percentage or probability range for each rarity tier (e.g., Common, Rare, Ultra Rare);
The approximate odds of pulling any specifically featured card or chase item, if applicable; and
The real U.S. dollar cost of the Pack.

Odds are displayed as percentages or fractions. Where a Pack contains a guaranteed minimum rarity item, that guarantee will be stated. Odds may vary by Pack type and price tier. Any changes to odds or Pack composition apply to future Pack purchases only and do not retroactively affect previously purchased Packs.

You must be presented with and have the opportunity to review the applicable odds before completing any Pack purchase. Completing a purchase constitutes your acknowledgment that you reviewed the disclosed odds.

5.5 Spending Limits

NettyWorth provides voluntary spending limit tools to help Users manage their Pack purchase activity. You may set a daily, weekly, or monthly spending cap on Pack purchases through your Account settings. Once a spending limit is set:

You will not be able to complete Pack purchases that would exceed your set limit for the applicable period;
Spending limits take effect immediately upon setting and reset at the start of each applicable period;
You may request to increase your spending limit, but any increase will not take effect until twenty-four (24) hours after the request, to prevent impulsive increases in the moment.

NettyWorth may also apply platform-level spending thresholds for new accounts or accounts that have not completed identity verification. These platform-level thresholds are separate from user-set limits and are designed to protect against unauthorized use and to comply with applicable regulations.

You acknowledge that spending limits are a tool to assist you and are not a substitute for your own judgment and responsibility regarding your purchases on the Service.

5.6 All Pack Sales Are Final

All purchases of digital Packs are final and non-refundable. Once a Pack has been opened and cards revealed, the transaction cannot be reversed. See Section 10 for additional payment and refund terms.

6. Buyback Program

6.1 Buyback Offers

Following a Pack opening, NettyWorth may offer to repurchase the card(s) you received at a Buyback Offer price displayed at the time of the offer. NettyWorth determines the Buyback Offer amount based on an assessment of the card’s fair market value, less an applicable fee. The methodology for determining fair market value is set by NettyWorth in its sole discretion and is not subject to negotiation.

6.2 Time Limit

Buyback Offers are time-limited. The offer window applicable to each Pack type is displayed at the time of the offer. Expired Buyback Offers cannot be reinstated.

6.3 Not Guaranteed Liquidity

The Buyback program is offered at NettyWorth’s discretion. You acknowledge that:

The Buyback feature may be suspended, modified, or discontinued at any time;
NettyWorth does not guarantee that any card will have a Buyback Offer or that the Buyback price will equal or exceed the Pack purchase price;
The Buyback feature is a separate, voluntary transaction — it is not a refund mechanism; and
The existence of a Buyback option should not be relied upon as an assurance of value or return on any Pack purchase.
The Buyback feature does not constitute consideration for, and is not part of, the original Pack purchase transaction. The Pack purchase and any subsequent Buyback election are legally independent transactions.

6.4 Acceptance

If you accept a Buyback Offer before it expires, you agree to sell the applicable card(s) back to NettyWorth at the displayed price. The amount will be credited to your account balance or wallet. Acceptance is final and cannot be reversed

7. Physical Asset Custody and Vault Storage

Custody and storage of physical Assets, token redemption, insurance, and physical delivery are governed exclusively by NettyWorth’s separate Vault Addendum, which is incorporated into these Terms by reference and, with respect to those matters, controls in the event of any conflict with these Terms. These Terms govern your use of the Service as non-custodial software. NettyWorth does not take custody or control of your Digital Tokens, wallets, private keys, or any cryptoasset, and you retain sole self-custody of your Digital Tokens at all times; NettyWorth’s only custodial role is with respect to the physical Asset and arises solely under the Vault Addendum.

8. Marketplace

8.1 Peer-to-Peer Trading

The NettyWorth Marketplace allows Users to buy, sell, and trade Digital Tokens in a
peer-to-peer environment. Except where NettyWorth is expressly identified as the seller, all
Marketplace transactions are directly between Users. NettyWorth facilitates the
Marketplace environment but is not a party to any transaction between Users.

8.2 Listings and Sales

When you list a Digital Token for sale, you are making a binding offer to sell at the listed
price. When a buyer completes a purchase, the transaction is executed and is final and irreversible. You may cancel or modify a listing at any time before a buyer completes a purchase.

8.3 Fees

NettyWorth charges a Marketplace fee on completed transactions. The applicable fee rate is disclosed at the time of transaction and may be updated from time to time.

8.4 No Guarantee of Sale

NettyWorth does not guarantee that any listed item will sell or that any offer will be accepted.

8.5 Fair Market Value Data

Any fair market value (“FMV”) data displayed on the Service is provided for informational purposes only. NettyWorth is not responsible for any losses resulting from inaccurate, delayed, or manipulated FMV data. FMV data does not guarantee that a card will sell at the indicated price.

8.6 Disputes

If you believe a Marketplace transaction involved fraud, misrepresentation, or a platform error, you may file a dispute with NettyWorth at [email protected] within seven (7) days of the transaction. Disputes are evaluated on a case-by-case basis at NettyWorth’s discretion.

9. Lending

9.1 Overview

NettyWorth operates a technology platform that facilitates fixed-term lending transactions between eligible Users, secured by vaulted Assets (“Loans”). NettyWorth is not the lender in any Loan transaction — NettyWorth acts solely as a technology provider whose Protocol is designed to enable borrowing Users and lending Users to enter into Loans directly with one another and through which the Collateral securing each Loan is automatically immobilized and released in accordance with the terms agreed between those Users. NettyWorth is not a party, broker, intermediary, or agent in any Loan and does not extend credit. All Loan transactions are entered into directly between borrowing and lending Users through the Service. By using the lending feature, you agree to the terms of this Section and any supplemental Loan Agreement presented to you at the time of borrowing.

9.2 Loan Terms

The Service supports Loans in fixed terms of seven (7), fourteen (14), or thirty (30) days, as configured by the borrowing and lending Users through the Service;
Loan amounts are determined by a fixed loan-to-value percentage of the fair market value of the Collateral, applied automatically by the Protocol at the time of the Loan rather than set by NettyWorth on a per-Loan basis;
The fees applicable to each Loan, including all charges, are disclosed before you confirm the Loan transaction;
The platform fees charged by NettyWorth in connection with Loans are flat fees for use of the Service, administrative processing, and asset storage (if applicable) during the Loan term.
Any interest or return payable to a lending User in connection with a Loan is separate from NettyWorth's platform fees and is determined solely between the borrowing User and the lending User.

9.3 Collateral

When you enter into a Loan, the Digital Token representing your Asset is automatically immobilized (locked) by the Protocol and cannot be sold, transferred, traded, redeemed, or otherwise disposed of while the Loan is active. The physical Asset remains in vault storage at all times, while the corresponding Digital Token is immobilized by the Protocol during the term of the Loan. You retain ownership of the Collateral during the Loan term, subject to the Protocol immobilization. The Protocol is designed to effect the immobilization and release of the Collateral automatically in accordance with the terms agreed between the borrowing User and the lending User. NettyWorth does not take custody, possession, or control of the Collateral, does not hold the Collateral for or as agent of any lending User, and does not exercise any discretion over whether or when the Collateral is locked, released, or transferred.

9.4 Repayment

You may repay your Loan at any time during the Loan term by paying the outstanding Loan amount plus all applicable fees. Upon full repayment, the Protocol is designed to automatically release your Collateral and return the corresponding Digital Token to your wallet.

9.5 Default

If you fail to repay the Loan in full by the end of the applicable Loan term, the Loan will be automatically in default. Upon default:

The Protocol is designed to automatically forfeit and transfer the Collateral to the lending User in accordance with the terms agreed between the Users, without any action or exercise of discretion by NettyWorth, which does not foreclose, liquidate, or otherwise effect the transfer on any lending User's behalf;
There is no grace period; and
Loans are non-recourse — upon default, your only loss is the forfeited Collateral, and you will not owe any additional amounts to the lending User or to NettyWorth beyond the forfeited Asset.

You are solely responsible for tracking your Loan expiration and initiating repayment in time. NettyWorth may, but is not obligated to, send reminder notifications.

9.6 Usury Savings Clause

The platform service fees charged by NettyWorth in connection with Loans are structured as flat administrative and technology-facilitation fees and are not intended to constitute interest. However, if any jurisdiction determines that any amounts collected by NettyWorth in connection with a Loan constitute interest under applicable law, the parties agree that the applicable rate shall be automatically reduced to the maximum rate permitted by applicable law in that jurisdiction, and any excess amounts collected shall be applied to the outstanding Loan principal or refunded.

9.7 Availability

The lending feature is available only to fully registered, verified Users. The lending feature is not available in jurisdictions where such services are prohibited by applicable law. It is your responsibility to determine whether borrowing against digital assets is lawful in your jurisdiction.

10. Payments and Fees

10.1 Payment Methods and Price Transparency

NettyWorth accepts payments through the following methods, as available on the Service:

• Credit and debit cards, processed through our third-party payment processor;
• Digital wallet balance (supported stablecoins and cryptocurrencies); and
• Other methods as may be made available from time to time.

NettyWorth may process payments through third-party payment processors. NettyWorth is not responsible for delays, failures, or disputes arising from third-party payment processing. For peer-to-peer Marketplace and Lending transactions, NettyWorth is not in the funds flow: it does not hold, route, or transmit value between Users. Such value is settled on-chain or through a licensed third-party payment processor, as applicable, and any fee charged by NettyWorth in connection with those transactions is a platform fee for use of the Service, not consideration for the transmission of value.

Real Dollar Cost Transparency. Regardless of the payment method used, the real U.S. dollar cost (or equivalent in the user’s local currency) of any transaction — including Pack purchases, Marketplace fees, and redemption fees — will be clearly displayed before you confirm the transaction. Where a transaction involves the use of platform credits, tokens, or any non-dollar balance, the U.S. dollar equivalent of the amount being used will be displayed alongside the platform unit balance. NettyWorth will not use multi-step virtual currency conversion chains that obscure the actual dollar cost of any purchase. You will always be able to see, in plain dollar terms, exactly what you are paying before you confirm.

10.2 Fees

Applicable fees for all transactions — including Pack purchases, Marketplace transactions, Loan fees, and redemption fees — are disclosed on the Service at the time of each transaction. NettyWorth reserves the right to update its fee schedule at any time. Updated fees apply to transactions initiated after the effective date of the change. Certain transactions on the Service may require payment of blockchain network fees (commonly referred to as “gas fees”) to process transactions on the applicable blockchain. These fees are paid to blockchain network validators, not to NettyWorth, and NettyWorth does not control or set such fees. Network fees may fluctuate based on network congestion and other factors. You are solely responsible for paying all applicable network fees, and NettyWorth is not liable for any failed, delayed, or costly transactions resulting from network fee fluctuations or insufficient fee payments.

10.3 Taxes

You are solely responsible for all applicable taxes, duties, and governmental assessments arising from your use of the Service, including but not limited to sales tax, value-added tax, income tax, and any taxes on capital gains from digital asset transactions. NettyWorth does not provide tax advice and recommends that you consult a qualified tax professional regarding your obligations.

10.4 No Refunds on Opened Packs

All Pack purchases are final and non-refundable once opened. NettyWorth has no ability to reverse blockchain transactions. For questions about other potential refund scenarios, contact us at [email protected].
10.5 Chargebacks

If you file a chargeback or payment dispute with your bank or credit card company without
first attempting resolution through NettyWorth’s support process, your Account may be
suspended and assets frozen pending investigation.

11. Rewards, Points, and Promotions

11.1 Overview

NettyWorth may, from time to time, offer rewards, points, promotional credits, or other incentives (“Rewards”) to Users for participating in activities on the Service, including but not limited to account registration, platform engagement, referrals, and other non-transactional activities. Rewards programs are subject to the terms of this Section and any supplemental promotion terms published on the Service at the time of each program.

11.2 No Purchase Required

No purchase, payment, loan transaction, or other financial commitment is required to earn Rewards. For any Rewards program in which purchases would otherwise confer an advantage over non-purchasing participants, NettyWorth will make available a free alternative method of entry (“AMOE”) with an equal opportunity to earn the promoted Rewards. The specific AMOE for each applicable program will be disclosed on the relevant promotion page before the program period begins.

11.3 No Cash Value; Non-Transferable

Rewards, points, and promotional credits have no cash value and may not be redeemed for cash, transferred to another User, or exchanged for anything of monetary value outside the Service. Rewards do not constitute your property and do not represent a debt or obligation of NettyWorth.

11.4 Modification and Termination

NettyWorth reserves the right to modify, limit, suspend, or discontinue any Rewards program at any time. For material changes — including changes that reduce the value or
redeemability of accrued Rewards — NettyWorth will use reasonable efforts to provide at
least thirty (30) days’ advance notice. Rewards that have not been redeemed before the
termination of a program may expire, subject to applicable state unclaimed property laws.

11.5 Taxes

You are solely responsible for any tax obligations arising from Rewards received, including
income tax on the fair market value of non-cash prizes or credits where applicable.
NettyWorth does not provide tax advice regarding Rewards.

11.6 No Guarantee of Future Rewards

The existence of a Rewards program at any time does not guarantee its continuation. Past
Rewards earned do not guarantee future earning opportunities at the same rate or under
the same conditions.

12. User Content

12.1 Your Responsibility

You are solely responsible for all content — including text, images, listings, messages, and other materials — that you post, upload, or otherwise submit through the Service (“User Content”). You represent and warrant that you own your User Content or have all rights necessary to post it, and that your User Content does not violate the rights of any third party.

12.2 License to NettyWorth

By posting any User Content, you grant NettyWorth a non-exclusive, worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, distribute, display, and sublicense such User Content in connection with operating and promoting the Service.

12.3 Content Restrictions

You may not post User Content that is unlawful, offensive, defamatory, fraudulent, discriminatory, or otherwise objectionable. NettyWorth reserves the right — but has no obligation — to review, remove, or restrict any User Content at any time and for any reason, in its sole discretion.

12.4 Feedback

Any feedback, suggestions, or ideas you submit to NettyWorth (“Feedback”) are assigned to NettyWorth. If for any reason such assignment is not effective, you grant NettyWorth a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to use and exploit such Feedback without restriction.

13. Intellectual Property

13.1 NettyWorth’s IP

The Service and its original content — excluding User Content — including all designs, text, graphics, software, features, and functionality, are and will remain the exclusive property of NettyWorth and its licensors. The Service is protected by copyright, trademark, and other applicable laws.

The “NettyWorth” name, the NettyWorth logo, “Nettie,” and any other NettyWorth product or service names, logos, or slogans that appear on the Service are trademarks of NettyWorth in the United States and other jurisdictions. They may not be copied, imitated, or used — in whole or in part — without our prior written permission.

13.2 Third-Party Intellectual Property

The trading cards and collectibles available on the Service feature intellectual property owned by their respective rights holders, including but not limited to The Pokémon Company, Panini, Topps, and other sports and entertainment licensors. NettyWorth does not claim ownership of such third-party intellectual property.

Your purchase of a Digital Token grants you ownership of the specific token and a corresponding claim to the underlying physical Asset. It does not grant you any license or rights in the underlying intellectual property of the card’s imagery, brand, or content.

13.3 License to Use the Service

Subject to your compliance with these Terms, NettyWorth grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial purposes. NettyWorth reserves all rights not expressly granted. This license conveys no ownership interest in the Service or its content, and NettyWorth may suspend or revoke it at any time in accordance with these Terms.

You will not, and will not permit any third party to: (a) copy, modify, translate, or create derivative works of the Service; (b) reverse engineer, decompile, or disassemble any part of the Service, or attempt to derive its source code, except to the extent this restriction is prohibited by applicable law; (c) scrape, harvest, or use automated means to access or collect data from the Service; (d) circumvent, disable, or interfere with any geofencing, access-control, security, or rate-limiting feature; (e) remove or obscure any proprietary notices; or (f) use the Service in violation of these Terms or applicable law.

The Service may include open-source or other third-party software components that are licensed under their own terms. Those license terms govern your use of the applicable components and, to the extent of any conflict with these Terms, control with respect to those components.

14. Copyright Policy (DMCA)

NettyWorth respects the intellectual property rights of others and responds to notices of alleged copyright infringement in accordance with the Digital Millennium Copyright Act (“DMCA”).

If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement on the Service, submit a written notice to our copyright agent at [email protected] including:

1. An electronic or physical signature of the person authorized to act on behalf of the copyright owner;
2. A description of the copyrighted work you claim has been infringed, including the URL where it exists;
3. Identification of the URL or specific location on the Service where the allegedly infringing material is located;
4. Your contact information (address, phone number, email);
5. A statement that you have a good-faith belief the disputed use is not authorized by the copyright owner, its agent, or the law; and
6. A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

Upon receipt of a valid DMCA notice, NettyWorth will take appropriate action in its sole discretion, which may include removal of the challenged content.

You may be held liable for damages, including costs and attorneys’ fees, for misrepresenting that content is infringing.

15. Prohibited Conduct

You agree not to engage in any of the following in connection with your use of the Service:

Violating any applicable law, regulation, or ordinance, including anti-money laundering laws, sanctions regulations, and securities laws;
Fraud, misrepresentation, or deception in any transaction or communication on the Service;
Market manipulation, including wash trading, artificial inflation of prices, shill bidding, or coordinated trading intended to deceive other Users;
Creating multiple accounts to circumvent platform rules, restrictions, or enforcement actions;
Using a VPN, proxy, or other tool to mask your geographic location or bypass any geographic access restrictions implemented by NettyWorth;
Tax manipulation, including creating multiple accounts to artificially lower the taxable value of assets by transferring them at below-market prices before redemption;
Attempting to exploit, hack, reverse-engineer, or otherwise interfere with the Service or its security systems;
Using automated bots, scripts, or crawlers to interact with the Service without NettyWorth's prior written consent;
Collecting, harvesting, or storing personal information of other Users without their consent;
Impersonating any person or entity, including NettyWorth and its employees;
Transmitting malware, viruses, or other harmful code; or
Engaging in any activity that NettyWorth determines, in its sole discretion, to be harmful to the Service, its Users, or its reputation.

NettyWorth reserves the right to investigate and take appropriate action against any User who violates these Terms, including suspending or terminating the User’s Account, restricting access to the Service, and reporting violations to law enforcement.

Sanctions Compliance. You represent and warrant that you are not on any trade or economic sanctions list, including OFAC’s Specially Designated Nationals list or any equivalent list maintained by the U.S., EU, or UK. NettyWorth reserves the right to immediately freeze the accounts and assets of any User found to be in violation of applicable sanctions laws.

16. Termination

16.1 By NettyWorth

NettyWorth may suspend or terminate your Account immediately, without prior notice or liability, for any reason, including if you breach these Terms. NettyWorth may also suspend or terminate access to the Service in whole or in part at any time and for any reason, at its sole discretion.

16.2 By You

You may close your Account at any time by discontinuing use of the Service and contacting
us at [email protected].

16.3 Post-Termination Access

Upon termination:

Digital Tokens: Digital Tokens held in your wallet remain on the blockchain and may be accessible through third-party services;
Physical Assets: For terminations without cause, NettyWorth will provide a reasonable period — typically thirty (30) days — to initiate claims for physical Assets held in vault storage, subject to standard redemption fees and shipping requirements. For terminations due to a violation of these Terms, fraud, or prohibited conduct, this window may be shorter or access may be restricted pending investigation. After the applicable window, unclaimed physical Assets may be subject to storage fees or other handling at NettyWorth's discretion;
Active Loans: If you have active Loans at termination, Loan terms remain in effect. You may still repay outstanding Loans during the Loan term to recover your Collateral; and
Wallet Balance: Any remaining wallet balance will be available for withdrawal during the post-termination period, subject to applicable KYC requirements and legal holds.

17. Disclaimers

THE SERVICE, INCLUDING ALL CONTENT AND DIGITAL TOKENS, IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. NETTYWORTH EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

NETTYWORTH MAKES NO WARRANTY THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) ANY DIGITAL TOKENS PURCHASED THROUGH THE SERVICE WILL RETAIN THEIR VALUE OR INCREASE IN VALUE; (C) PHYSICAL ASSETS IN VAULT STORAGE WILL BE FREE FROM LOSS, DAMAGE, OR DETERIORATION; OR (D) ANY THIRD-PARTY SERVICES INTEGRATED WITH THE SERVICE WILL OPERATE WITHOUT DISRUPTION.

Third-Party Services. The Service may integrate with, rely upon, or provide access to products, services, software, or platforms provided by third parties (“Third-Party Services”), including but not limited to payment processors, wallet providers, and blockchain networks. NettyWorth does not control and is not responsible for any Third-Party Services, including their availability, functionality, content, or data practices.

Your use of any Third-Party Services is subject to the terms, conditions, and privacy policies of the applicable third-party provider. NettyWorth makes no warranties or representations regarding any Third-Party Services and shall not be liable for any losses, damages, or claims arising from your use of or reliance on any Third-Party Services.

Randomized Rewards. Pack openings and other features of the Service involve randomized outcomes. NettyWorth does not guarantee any minimum value of cards received through Pack purchases. The value of items received through randomized mechanisms may be significantly less than the amount paid.

No Fiduciary Duty. NettyWorth’s role is limited to providing a platform that facilitates the purchase, sale, custody, and lending against digital and physical collectibles. NettyWorth does not owe you any fiduciary duty, regardless of any custodial, storage, or lending services provided through the Service. NettyWorth acts as a service provider, not as a trustee, fiduciary, financial advisor, or investment manager.

Smart Contract Risks. The Service may interact with or rely upon smart contracts deployed on blockchain networks. Smart contracts are software programs that operate autonomously and may contain bugs, vulnerabilities, or unintended functionality. NettyWorth does not guarantee the security, accuracy, or reliability of any smart contract, whether developed by NettyWorth or by third parties. You acknowledge the inherent risks of interacting with smart contracts, including the risk of loss of Digital Tokens or funds due to smart contract failures, exploits, or vulnerabilities, and you assume all such risks.

NETTYWORTH WILL NOT BE RESPONSIBLE OR LIABLE TO YOU FOR ANY LOSSES YOU SUSTAIN AS A RESULT OF YOUR USE OF THE SERVICE. WE TAKE NO RESPONSIBILITY FOR, AND WILL NOT BE LIABLE FOR, ANY LOSSES ARISING FROM: (I) USER ERROR; (II) SERVER FAILURE OR DATA LOSS; (III) CORRUPTED WALLET FILES; (IV) UNAUTHORIZED ACCESS TO YOUR ACCOUNT; OR (V) ANY UNAUTHORIZED THIRD-PARTY ACTIVITIES, INCLUDING PHISHING OR OTHER ATTACKS AGAINST THE SERVICE OR YOUR WALLET.

NOTHING IN THIS AGREEMENT CONSTITUTES LEGAL, FINANCIAL, TAX, OR INVESTMENT ADVICE.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER NETTYWORTH NOR ITS SERVICE PROVIDERS WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST SAVINGS, LOST BUSINESS OPPORTUNITY, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE, OR THE COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT NETTYWORTH HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NETTYWORTH’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS YOU HAVE PAID TO NETTYWORTH IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR (B) ONE THOUSAND U.S. DOLLARS ($1,000). THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN NETTYWORTH AND YOU.

Nothing in this Section excludes or limits liability for gross negligence, willful misconduct, or fraud by NettyWorth to the extent such liability cannot be waived or limited under applicable law.

19. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless NettyWorth and its affiliates, directors, officers, employees, agents, licensors, and service providers (collectively, the “NettyWorth Parties”) from and against any and all claims, damages, judgments, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

(a) Your access to or use of the Service;
(b) Your violation of these Terms or any applicable law or regulation;
(c) Your violation of any rights of a third party, including intellectual property rights or privacy rights;
(d) Any content you submit, post, or transmit through the Service;
(e) Any dispute between you and any other User of the Service; or
(f) Your use of Digital Tokens, including any losses resulting from blockchain transactions, wallet management, or market volatility.

NettyWorth reserves the right, at your expense, to assume exclusive defense and control of any matter for which you are required to indemnify us. You agree to cooperate with NettyWorth’s defense of such claims and not to settle any claim without our prior written consent.

20. Governing Law and Forum

These Terms and any action related thereto will be governed by the laws of the State of Delaware, without regard to its conflict of law provisions.

Except as otherwise set forth in Section 21 (Dispute Resolution), the exclusive jurisdiction for all disputes that are not subject to arbitration will be the state and federal courts located in the State of Delaware, and you consent to personal jurisdiction in such courts.

21. Dispute Resolution

21.1 Informal Resolution

Before initiating any formal dispute proceeding, you agree to first attempt to resolve the matter informally by contacting NettyWorth at [email protected] with a written description of the dispute (“Notice of Dispute”). Your Notice of Dispute must include: (a) your name, (b) your Account email address or username, (c) your mailing address, (d) a description of the nature and basis of the dispute, and (e) the specific relief you are seeking. NettyWorth will attempt to resolve the dispute within sixty (60) days of receiving your Notice of Dispute. Any applicable statute of limitations and filing fee deadlines shall be tolled during this informal resolution period. If the dispute is not resolved within 60 days, either party may proceed to arbitration as set forth below.

21.2 Mandatory Arbitration

Except for individual claims in small claims court or as otherwise provided in Section 21.4, any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or your use of the Service (collectively, “Disputes”), will be resolved solely by binding, individual arbitration and not in a class, representative, or consolidated action or proceeding.

You acknowledge and agree that you and NettyWorth are each waiving the right to a trial by jury. You and NettyWorth agree that the U.S. Federal Arbitration Act (9 U.S.C. §§ 1-16) (“FAA”) governs the interpretation and enforcement of this arbitration agreement to the fullest extent permitted by law, and that you and NettyWorth are each 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 your Account.

21.3 Arbitration Rules

The arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect (available at www.adr.org or by calling 1-800-778-7879), except as modified by these Terms. The AAA provides a form Demand for Arbitration at www.adr.org. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules.

Hearing Location and Format. Any arbitration hearings will take place, at your election, either: (a) in the county where you reside; (b) in San Francisco, California; or (c) by telephone, videoconference, or other remote means if you prefer not to appear in person. The arbitrator may conduct any hearing, including an evidentiary hearing, remotely by telephone or videoconference unless the arbitrator determines that an in-person hearing is necessary to ensure fairness. You will not be required to travel more than 100 miles from your residence to participate in an in-person hearing unless you choose to do so.

Arbitrator Authority and Delegation. The arbitrator shall have exclusive authority to resolve any Dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or any part of this arbitration agreement is void or voidable. The arbitrator shall also have exclusive authority to determine the arbitrability of any Dispute. The arbitration agreement shall be governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. §§ 1-16.

Arbitration Fees. Payment of all filing, administration, and arbitrator fees will be governed by the applicable arbitration administrator’s rules. If you demonstrate that the costs of arbitration would be prohibitive compared to the costs of litigation, NettyWorth will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the cost of accessing the arbitration forum from being prohibitive. If the arbitrator determines that a claim you asserted was frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), payment of all fees will be governed by the applicable administrator’s rules, and you agree to reimburse NettyWorth for all fees previously paid on your behalf.

Awards and Remedies. The arbitrator may award any relief that a court of competent jurisdiction could award, including injunctive and declaratory relief, but only to the extent required to satisfy your individual claim. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. Any arbitration award may be confirmed and enforced in any court having competent jurisdiction.

21.4 Exceptions

As limited exceptions to Section 21.2: (i) either party may seek to resolve a Dispute in small claims court if it qualifies, so long as the matter remains in small claims court and proceeds only on an individual (non-class, non-representative) basis; (ii) either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights; and (iii) nothing in this arbitration agreement shall preclude you from bringing issues to the attention of federal, state, or local regulatory agencies, including the Federal Trade Commission, the Consumer Financial Protection Bureau, or any applicable state attorney general, and such agencies can, if the law allows, seek relief against NettyWorth on your behalf.

Mass Arbitration Procedures. If, at any time, 25 or more similar Demands for Arbitration are filed against NettyWorth by the same law firm or group of coordinated counsel (“Mass Filing”), the following bellwether procedures shall apply: (a) counsel for the claimants and NettyWorth shall each select 10 Demands from the Mass Filing to proceed first in individual arbitrations as “bellwether cases” (totaling 20 bellwether cases); (b) no other Demands from the Mass Filing shall be filed or deemed filed, and all applicable statutes of limitations shall be tolled for claims in the Mass Filing, until the bellwether cases have concluded; (c) the parties shall engage in a single global mediation following the bellwether arbitrations to attempt to resolve the remaining Demands based on the bellwether results; (d) if the mediation does not resolve the remaining Demands, the parties will continue to arbitrate the remaining Demands in batches of 50 claims (or such other number as the parties may agree); and (e) filing, administrative, and arbitrator fees for Demands in a Mass Filing shall be due and paid only as each Demand becomes active under these procedures. You and NettyWorth agree that the procedures in this paragraph are designed to achieve an efficient resolution of multiple similar claims and are a material part of this arbitration agreement.

21.5 Class Action Waiver

YOU AND NETTYWORTH AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING. Unless both you and NettyWorth agree otherwise in writing, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative, class, or collective proceeding. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. If a court or arbitrator determines that the class action waiver set forth in this paragraph is void or unenforceable for any reason, or that arbitration can proceed on a class, collective, or representative basis, then the arbitration provision in this Section 21.5 shall be deemed null and void in its entirety, and the parties shall be deemed to have not agreed to arbitrate Disputes. In such event, all Disputes shall proceed in a court of competent jurisdiction in the State of Delaware.

Public Injunctive Relief. Notwithstanding Section 21.5 above, if you seek public injunctive relief (that is, injunctive relief that has the primary purpose and effect of prohibiting unlawful acts that threaten future injury to the public), the entitlement to and extent of such relief must be litigated in a civil court of competent jurisdiction and not in arbitration. The parties agree that any such litigation will be stayed pending the outcome of any individual claims in arbitration under Section 21 (Dispute Resolution).

21.6 Opt-Out

You have the right to opt out of this arbitration agreement by sending written notice of your decision to opt out to: NettyWorth, Attn: Arbitration Opt-Out, 55 NW 29th Ave, #1206, Miami, FL 33125, or by email to [email protected], within thirty (30) days after first becoming subject to these Terms (for new users) or within thirty (30) days of the effective date of any material modification to this Section 21 (for existing users). Your notice must include your name, mailing address, Account email or username, and a clear statement that you want to opt out of arbitration with NettyWorth. If you opt out of the arbitration agreement, all other parts of these Terms will continue to apply to you. Opting out of the arbitration agreement will have no effect on any previous, other, or future arbitration agreements that you may have with NettyWorth.

Confidentiality. Any arbitration proceeding, and all information exchanged therein (including documents, testimony, and the arbitration award), shall be treated as confidential by the parties. The parties agree to take reasonable measures to protect the confidentiality of arbitration proceedings and related information, except: (a) as may be necessary to prepare for or conduct the arbitration; (b) as may be necessary to enforce an arbitration award or other court order; (c) as required by applicable law; or (d) as mutually agreed by the parties in writing. Notwithstanding the foregoing, nothing in this provision shall prevent either party from disclosing the existence of, or outcome of, an arbitration proceeding to a government agency, regulator, or other entity as required by law.

Survival. This arbitration agreement shall survive the termination of your Account and these Terms.

22. General Provisions

Entire Agreement. These Terms, together with the Privacy Policy and any supplemental terms or policies referenced herein, constitute the entire agreement between you and NettyWorth with respect to the Service and supersede all prior communications and agreements.

Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

Waiver. NettyWorth’s failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms, or any rights or obligations hereunder, without NettyWorth’s prior written consent. NettyWorth may assign these Terms without restriction.

Force Majeure. NettyWorth shall not be liable for any failure or delay in performing its obligations due to causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, governmental actions, blockchain network failures, internet outages, or third-party service disruptions.

Limitation Period. To the fullest extent permitted by applicable law, any claim or cause of action arising out of or relating to these Terms or the Service must be commenced within one (1) year after the date on which the cause of action accrued. Claims not brought within this period are permanently barred.

Survival. The following provisions, together with any other provisions that by their nature should survive, will survive the expiration or termination of these Terms: Section 2 (Definitions), Section 12 (User Content), Section 13 (Intellectual Property), Section 17 (Disclaimers), Section 18 (Limitation of Liability), Section 19 (Indemnification), Section 20 (Governing Law and Forum), Section 21 (Dispute Resolution), and this Section 22 (General Provisions).

Abandoned Property. If your Account remains inactive for a period required by applicable state unclaimed property or escheatment laws, and NettyWorth is unable to contact you using the information on file, any remaining wallet balance or unclaimed assets may be reported and remitted to the applicable state authority as required by law. No Third-Party Beneficiaries. These Terms do not create any third-party beneficiary rights in any person or entity.

Headings. Section headings are for convenience only and do not affect interpretation.

Accessibility. NettyWorth is committed to making the Service accessible to users with disabilities. Users who require accommodation or have accessibility-related questions may contact NettyWorth at [email protected]. NettyWorth will use commercially reasonable efforts to address accessibility issues in a timely manner.

Contact Information. If you have any questions about these Terms or the Service, please contact NettyWorth at: NETTYART CORPORATION d/b/a NettyWorth 55 NW 29th Ave, #1206, Miami, FL 33125 United States of America Email: [email protected]

California Residents’ Rights

Under California Civil Code Section 1789.3, California residents are entitled to the following specific consumer rights information: You may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Suite N-112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

NettyWorth’s Privacy Policy (available at www.nettyworth.io/privacy) describes how NettyWorth collects, uses, and shares personal information of California residents and outlines rights that California residents may have under the California Consumer Privacy Act (CCPA) and its amendments, including the right to know, the right to delete, the right to opt-out of sale or sharing, and the right to non-discrimination.

END OF NETTYWORTH TERMS OF SERVICE