Ensuro Terms of Service
Scope
These terms, and the accompanying privacy policy at ensuro.co/PrivacyPolicy.pdf, which is incorporated into and a part of these terms, govern the use of the Ensuro website located at ensuro.co and the associated tools and services available from the website.
Ensuro is a decentralized underwriter to support insurance products. It will democratize the possibilities and the benefits of being an insurer while allowing innovative companies to nurture and deploy novel insurance products. Ensuro aims to provide insurance to the uninsured, serving uncovered markets to benefit policyholders, local model providers, and investors pursuing high social impact. Ensuro Re Ltd. holds a Digital Asset Business Class M license and an Insurance General Business (IIGB) license from the Bermuda Monetary Authority.
Collectively, the website and the associated tools and services are referred to as the “Services” in these terms. The operator may offer other products and services.
Other users of the Services, such as merchants, may use the Services to post content and to facilitate blockchain transactions. The operator does not control user-posted content. The operator is not responsible for, and is not liable for, user-posted content of any kind. The operator cannot reverse any transactions made using the Services and is not liable for any loss or damages resulting from anyone’s use of the Services. You accept all risks of using the Services and any user-submitted content.
These terms include important provisions governing your use of the Services. These provisions affect such matters as your right to use the Services, actions you are prohibited from taking with respect to the Services, disclaimers regarding liability, and your waiver of the right to bring a suit in a court of law and to a jury trial. Before using the Services, make sure that you read and understand all of these terms and the accompanying privacy policy at ensuro.co/PrivacyPolicy.pdf.
Ensuro Re, operates the Services. It is referred to in this document as the “operator,” “we,” or “us.”
About Ensuro
Ensuro Re Ltd., a Bermuda entity regulated by the Bermuda Monetary Authority (BMA), operates the Services under two licenses: (1) an Insurance General Business (IIGB) license, enabling us to underwrite insurance risks, and (2) a Digital Asset Business Class M license, authorizing us to conduct digital asset activities as defined by the Digital Asset Business Act 2018.
Material Risks Disclosure
Before engaging in any transaction with Ensuro, you must understand and accept the material risks associated with our products, services, and activities. These risks include, but are not limited to:
Cryptographic and Blockchain Risks: Ensuro operates on the Polygon blockchain, utilizing smart contracts for insurance underwriting and capital management. These systems are subject to risks such as hacking, cryptographic vulnerabilities (e.g., quantum computing advancements), and software bugs. While our smart contracts are audited, no system is immune to unforeseen exploits.
DeFi Protocol Risks: Capital in eToken pools may be allocated to decentralized finance (DeFi) protocols (e.g., Aave, Compound) to generate yield. These protocols carry risks including smart contract failures, admin key compromises, and liquidity shortages.
Insurance Underwriting Risks: As a decentralized (re)insurance platform, Ensuro assumes risks from partner risk modules. Despite actuarial modeling (e.g., 99.5% VaR), claim surges or mispriced risks could lead to partial or total loss of pool capital.
Liquidity Risks: eToken redemptions depend on pool liquidity, which may be constrained during high claim periods or market volatility. You may not be able to withdraw funds instantly.
Cybersecurity Risks: Despite robust security measures, Ensuro’s infrastructure and your wallet may be targets for phishing, DDoS attacks, or exploits, potentially resulting in asset loss.
Regulatory Risks: Changes in Bermuda or global regulations may affect Ensuro’s operations, restrict services, or limit investor participation.
User Responsibility Risks: Loss or compromise of your private keys will result in permanent loss of access to eTokens and funds, with no recovery possible by Ensuro.
This disclosure is provided separately from other terms and can be downloaded as a PDF from ensuro.co/risksdisclosure. You must acknowledge these risks prior to your first transaction via the Ensuro platform.
Segregated Capital Pools
Ensuro Re Ltd. is a regulated entity under the Bermuda Monetary Authority, operating as a segregated accounts company pursuant to the Bermuda Segregated Account Companies Act 2000 (SAC Act), as amended. Each eToken pool represents a digital representation of insurance risk capacity, linked to underlying collateral and premiums held in custody by Ensuro or its service providers. These eTokens do not confer ownership rights, voting rights, or governance control over the underlying assets or insurance risks.
These Terms constitute the governing instrument for the segregated capital pools to which eTokens are linked, outlining the rights, obligations, and interests of eToken holders. You acknowledge that your recourse for any claim, action, demand, or right against Ensuro arising under these Terms is limited to and payable solely from the assets held in the segregated capital pool linked to your eTokens. Ensuro’s general assets and other segregated pools are not liable for obligations tied to your eTokens.
Ensuro shall prepare annual financial statements for each segregated capital pool in accordance with applicable Bermuda law, detailing the assets, liabilities, and transactions of the pool.
Fees and Charges
Using the Services may require that you pay a fee to other users of the Services (such as merchants) or to the operator. Using the Services may also require that you pay a fee to parties other than users or the operator, such as gas charges on the blockchain to perform a transaction. You acknowledge and agree that the operator has no control over any such transactions, the method of payment of such transactions or any actual payments of transactions. Accordingly, you must ensure that you have a sufficient balance of the applicable cryptocurrency tokens stored at your protocol-compatible wallet address to complete any transaction on the blockchain or Services before initiating such transactions.
If fees are not fixed in advance, they are calculated based on pool performance and disclosed via the Ensuro platform before execution. All payments are made in stablecoins (e.g., USDC) via smart contract transactions from your connected wallet.
Insurance Coverage
Ensuro Re Ltd. does not maintain insurance coverage, such as cyber insurance or theft protection, to address losses arising from the provision of our Services. This includes losses due to digital asset theft, smart contract failures, DeFi protocol issues, or cybersecurity breaches. You bear full responsibility for such risks, with no recourse to insurance proceeds from Ensuro or its affiliates. Any recovery is limited to the assets in the segregated capital pool linked to your eTokens, as outlined in the Segregated Capital Pools section.
Important Terms
These terms include a number of especially important provisions that affect your rights and responsibilities, such as the disclaimers in Disclaimers, limits on the operator’s legal liability to you in Limits on Liability, your agreement to reimburse the operator for problems caused by your misuse of the Services in Your Responsibility, and an agreement about how to resolve disputes in Disputes.
Your Permission to Use the Services
Subject to these terms, the operator gives you permission to use the Services. You can’t transfer your permission to anyone else. Others need to agree to these terms for themselves to use the Services.
Conditions for Use of the Services
Your permission to use the Services is subject to the following conditions:
You must be at least eighteen years old or of legal age to form a binding contract in your jurisdiction.
You may no longer use the Services if the operator tells you that you may not.
You must follow Acceptable Use and Content Standards.
You must complete the operator’s Know Your Customer (KYC) and Anti-Money Laundering (AML) verification process, conducted via secure off-chain systems, to access the Services.
You must reside in a supported jurisdiction. The Services are not available to residents, nationals, or agents of restricted jurisdictions, including but not limited to Iran, Myanmar, North Korea, Algeria, Angola, Burkina Faso, Cameroon, Côte d'Ivoire, Croatia, Democratic Republic of the Congo, Haiti, Kenya, Laos, Lebanon, Mali, Monaco, Mozambique, Namibia, Nepal, Nigeria, South Africa, South Sudan, Syria, Tanzania, Venezuela, Vietnam, Yemen, Belarus, Cuba, and Russia, the United States, or any region under sanctions by the United States, United Kingdom, or European Union.
You must not be listed on any sanctions list, including those maintained by the U.S. Treasury Department’s Office of Foreign Assets Control, the U.S. Commerce Department, the U.S. Department of State, UN, or equivalent international bodies.
Acceptable Use
1. You may not break the law using the Services. If we determine that you have broken the law, we will revoke your access.
2. Some transactions involving cryptographic assets on the Services (or other services linked to the Services) may implicate the securities or other laws of various jurisdictions. Out of an abundance of caution, we may “geoblock” the Services, or certain parts of the Services, from being accessible in certain jurisdictions.
a. You agree that you will not attempt to circumvent or otherwise defeat or bypass any “geoblocks,” and that any attempt to do so is a violation of these terms.
b. You agree, understand, and acknowledge that any “geoblock,” or the lack thereof, should not be taken as a statement by us or anyone else regarding the legality of any interaction with the Services, and that you bear independent responsibility to research the laws of your jurisdiction with regard to any activity you propose to take.
3. You may not use or try to use anyone else’s account on the Services (or to connect with anyone else’s wallet) without their specific permission.
4. You may not buy, sell, or otherwise trade in addresses, user names, or other unique identifiers on the Services.
5. You may not send advertisements, chain letters, or other solicitations through the Services, or use the Services to gather addresses for distribution lists.
6. You may not automate access to the Services, or monitor the Services, such as with a web crawler, browser plug-in or add-on, or other computer program that is not a web browser. You may crawl the website to index it for a publicly available search engine, so long as you abide by the rules of any robots.txt file on the website.
7. You may not use the Services to send e-mail to distribution lists, newsgroups, or group mail aliases.
8. You may not falsely imply that you’re affiliated with or endorsed by the operator.
9. You may not hyperlink to images or other non-hypertext content on the Services.
10. You may not show any part of the Services on other websites with iframes or similar methods.
11. You may not remove any marks showing proprietary ownership from materials you download from the Services.
12. You may not disable, avoid, or circumvent any security or access restrictions of the Services.
13. You may not strain the infrastructure of the Services with an unreasonable volume of requests, or requests designed to impose an unreasonable load on information systems the operator uses to provide the Services.
14. You may not impersonate others through the Services.
15. You may not encourage or help anyone in violation of these terms.
16. You have not been placed on any of the following lists: European External Action Service Consolidated Financial Sanctions List; EU Terrorist List; FATF Non-Cooperative Countries and Territories; Federal Bureau of Investigation Most Wanted Terrorists & Seeking Information; Bank of England Sanctions List; HM Treasury Sanctions List; Politically Exposed Persons List; World Bank Ineligible Firms; Department of Foreign Affairs and Trade Consolidated List.
eToken Operations
eToken holders may redeem their eTokens to withdraw capital from a segregated capital pool, subject to liquidity conditions and pool utilization rates. To initiate a redemption, you must submit a request via the Ensuro platform, triggering a smart contract transaction on the Polygon blockchain. Upon approval, the smart contract will release the corresponding stablecoin value (e.g., USDC) to your connected wallet, less any applicable fees or locked capital obligations. Redemption availability may be limited during high claim periods or if capital is allocated to active insurance policies, as outlined in the pool’s risk parameters.
For eToken pools generating yield (e.g., from allocations to DeFi protocols like Aave or Compound), Ensuro facilitates periodic distributions. Yields received in stablecoin form are transferred to a distribution smart contract, which allocates proceeds to eToken holders proportional to their stake, minus a fee of up to 5% on the yield generated. You may claim your accumulated yield through the Ensuro platform by initiating a web3 transaction, with funds delivered to your connected wallet.
All redemption and yield transactions are final and irreversible once executed on-chain. Ensuro is not liable for losses due to blockchain delays, gas fees, or user error during these processes.
Content Standards
1. You may not submit content to the Services that is illegal, offensive, or otherwise harmful to others.
2. You may not submit content to the Services that violates the law, infringes anyone’s intellectual property rights, violates anyone’s privacy, or breaches agreements you have with others.
3. You may not submit content to the Services containing malicious computer code, such as computer viruses or spyware.
4. You may not submit content to the Services as a mere placeholder to hold a particular address, user name, or other unique identifier.
5. You may not use the Services to disclose information from or about others that you don’t have the right to disclose.
Enforcement
1. The operator may investigate and prosecute violations of these terms to the fullest legal extent. The operator may notify and cooperate with law enforcement authorities in prosecuting violations of the law and these terms.
2. The operator reserves the right to change, redact, and delete content on the Services for any reason. If you believe someone has submitted content to the Services in violation of these terms, contact the operator immediately. See Contact.
Your Content
1. The operator is not obligated to review or edit any user-submitted content on the Services.
2. Nothing in these terms gives the operator any ownership rights in content or intellectual property that you share with the Services, such as your account information and content you submit to the Services. Nothing in these terms gives you any ownership rights in the operator’s content or intellectual property, either. Unless otherwise noted, the operator owns the intellectual property of the Services and all content it has posted.
3. Between you and the operator, you remain solely responsible for content you submit to the Services. You agree not to wrongly imply that content you submit to the Services is from, sponsored by, or approved by the operator. These terms do not obligate the operator to store, maintain, or provide copies of content you submit.
4. Content you submit to the Services belongs to you, and you decide how to license it to others. But at a minimum, you license the operator to provide content that you submit to the Services to other users of the Services. That special license allows the operator to copy, publish, and analyze content you submit to the Services.
5. When content you submit is removed from the Services, whether by you or by the operator, the operator’s special license ends when the last copy disappears from the operator’s backups, caches, and other systems. Other licenses you give for your content may continue after your content is removed. Those licenses may give others, or the operator itself, the right to share your content through the Services again.
6. Others who receive content you submit to the Services may violate the terms on which you license your content. You agree that the operator will not be liable to you for those violations or their consequences.
Client Protections and Remedies
Ensuro provides the following protections and remedies as required by the Digital Asset Business Act 2018:
Liability for Unauthorized, Mistaken, or Accidental Transfers: Ensuro is not liable for losses from unauthorized, mistaken, or accidental transfers of eTokens or digital assets due to user error, private key compromise, or third-party actions. Remedies are limited to the assets available in the segregated capital pool linked to your eTokens.
Basis for Recovery: Your recourse for losses is restricted to the pool’s available assets. Ensuro’s general assets and other segregated pools are not liable for obligations tied to your eTokens, as detailed in the Segregated Capital Pools section.
Stopping Pre-Authorized Transfers: No pre-authorized recurring transfers are currently offered. All transactions (e.g., redemptions, yield claims) are initiated manually by you and are final once executed on-chain, with no ability to stop them post-initiation.
Receipt of Transactions: Each transaction generates a blockchain transaction hash, accessible via the Ensuro dashboard and verifiable on Polygonscan. This hash serves as your receipt; no additional documentation is provided.
Notice of Material Changes: Ensuro will provide at least 30 days’ prior notice of material changes to these Terms or Services via email or the Ensuro website (ensuro.co), as outlined in the Changes section.
eToken Rights
eTokens represent a contractual interest in the economic performance of a segregated capital pool and do not grant you governance, voting, or ownership rights over the underlying insurance risks, collateral, or pool management decisions. Your rights are limited to the potential financial returns (e.g., yield or redemption proceeds) derived from the pool’s performance, as managed by Ensuro’s smart contracts and risk modules. By using the Services, you acknowledge and agree to these limitations on your rights as an eToken holder
Your Responsibility
You agree to reimburse the operator for all the costs of legal claims by others related to your breach of these terms, or breach of these terms by others using your account. Both you and the operator agree to notify the other side of any legal claims you might have to reimburse the operator for as soon as possible. If the operator fails to notify you of a legal claim promptly, you won’t have to reimburse the operator for costs that you could have defended against or lessened with prompt notice. You agree to allow the operator to take over investigation, defense, and settlement of legal claims you would have to reimburse the operator for, and to cooperate with those efforts. The operator agrees not to enter any settlement that admits you were at fault or requires you to do anything without your permission.
Disclaimers
1. You accept all risks of using the Services and their content. As far as the law allows, the operator provides the Services and its content “as is,” without any warranty whatsoever. The operator expressly disclaims, and you expressly waive, any representations, conditions or warranties of any kind, including, without limitation, the implied or legal warranties and conditions of merchantability, merchantable quality, quality or fitness for a particular purpose, title, security, availability, reliability, accuracy, quiet enjoyment and non-infringement of third party rights.
2. At any time, your access to your tokens or other cryptocurrency assets may be suspended or terminated or there may be a delay in your access or use which may result in your tokens or other cryptocurrency assets diminishing in value or you being unable to complete a smart contract.
3. The Services may be suspended or terminated for any or no reason, which may limit your access to your cryptocurrency assets.
4. The website may hyperlink to and integrate websites and services run by others. The operator does not make any warranty about services run by others, or content they may provide. Use of services run by others may be governed by other terms between you and the one running service.
5. By accessing or using Ensuro’s services (including our web-based application or any affiliated interfaces), you acknowledge and agree to the following terms and the inherent risks associated with interacting with blockchain-based financial protocols and tokenized insurance-linked products.
Cryptographic and Blockchain Network Risks: Ensuro operates on public blockchain networks, primarily Polygon, utilizing smart contracts for insurance risk underwriting and capital management. These networks and smart contracts are subject to ongoing technical evolution, including risks posed by quantum computing and cryptographic vulnerabilities. While Ensuro’s smart contracts have undergone external audits and adhere to rigorous security standards, the possibility of software bugs or unexpected outcomes cannot be fully eliminated.
Responsibility for Private Keys: eTokens and any interactions with the Ensuro platform rely on public/private key cryptography. Users are solely responsible for safeguarding their private keys and wallet credentials. Loss or compromise of your private keys may result in irrevocable loss of your digital assets. Ensuro does not have the ability to recover lost keys or restore access to funds.
Decentralized Protocol Interactions: Ensuro may allocate capital to DeFi protocols (e.g., Aave, Compound) to generate yield. These protocols carry additional risks, including smart contract vulnerabilities, admin key risks, and underlying asset liquidity. Although Ensuro follows strict investment policies and uses well-audited, high-TVL protocols, systemic DeFi risks remain.
Insurance Underwriting and Credit Risk: As a decentralized (re)insurance platform, Ensuro assumes underwriting risks from partner risk modules. These risks are carefully assessed and collateralized based on actuarial models and confidence thresholds (e.g., 99.5% VaR), but the risk of loss remains. Capital is allocated from eToken pools, and in the event of claim surges or mispriced risks, investors may experience partial or total loss.
Liquidity Risk: Liquidity of eTokens and insurance pools is subject to utilization rates and locked capital dynamics. While most capital is invested in highly liquid stablecoin assets (e.g., USDC), liquidity constraints may occur during high claim periods or market volatility. Liquidity providers may not be able to instantly withdraw their funds, especially in periods of high utilization.
Smart Contract and Platform Risks: Despite multiple audits and rigorous testing, smart contracts may contain unforeseen bugs or be vulnerable to exploits. Platform downtime, including frontend oracles, settlement layers, or partner integrations, may affect access to capital, transaction execution, or policy resolution.
Platform Shutdown Risk: In a force majeure scenario, regulatory mandate, or catastrophic technical failure, the Ensuro protocol or affiliated services may become inaccessible. While contingency plans exist—including multisig safeguards and disaster recovery strategies—immediate user access cannot be guaranteed in all situations.
Regulatory Oversight and Jurisdictional Restrictions: Ensuro Re Ltd is a regulated entity under the Bermuda Monetary Authority, holding both an Insurance General Business (IIGB) license and a Digital Asset Business Class M license. These licenses define the scope and limitations of our operations. Regulatory changes in Bermuda or globally may impact our ability to offer services, restrict investor onboarding, or require changes to the platform’s structure.
Retail Investor Participation: Ensuro may, in some jurisdictions, onboard non-accredited investors under specific safeguards (e.g., capped investments, knowledge assessments). These investors must acknowledge a higher level of risk and may be excluded from certain jurisdictions, including the United States and other restricted regions, via geofencing and jurisdictional compliance checks.
Cybersecurity Risks: Ensuro implements a multilayer cybersecurity framework and follows “security by design” principles across all infrastructure. However, cybersecurity threats including phishing, DDoS attacks, and smart contract exploits remain a concern. Users must ensure they follow best practices in wallet security and avoid interactions with unofficial or unverified channels.
Data Handling: Ensuro does not store personal information on-chain. All KYC/AML data is securely stored off-chain in accordance with privacy laws. While we take every precaution to protect this data, no system is entirely immune from breach.
No Insurance Coverage: Ensuro does not provide insurance coverage for digital asset losses, cyber theft, smart contract bugs, or DeFi protocol failures. Users are advised to consider this in their investment decision-making.
Independent Evaluation Required: Ensuro makes no financial recommendations. Users must independently assess the risks, including legal and tax implications in their jurisdiction. Past performance is not indicative of future results.
6. You agree that you have an understanding of the usage and intricacies of native cryptographic tokens. You acknowledge and understand that you alone are responsible for securing your private key(s). We do not have access to your private key(s). Losing control of your private key(s) will permanently and irreversibly deny you access to blockchain resources and your blockchain wallet.
7. No information contained in the publicly available portions of the Services is a recommendation, solicitation or offer to buy or sell any securities, options or other financial instruments or other assets or provide any investment advice or service. No statement herein made constitutes an offer to sell or a solicitation of an offer to buy a note or other security. The operator and its affiliates are not liable nor responsible for any information provided by third parties. The information contained in the Services has been prepared without reference to anyone’s investment requirements or financial situation.
8. The information and services provided on the Services are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or where the operator is not authorized to provide such information or services. Some products and services described on the Services may not be available in all jurisdictions or to all clients.
9. You acknowledge that you are not relying on the operator or any of its affiliates, officers, directors, partners, agents or employees in making an investment decision. Always consider seeking the advice of a qualified professional before making decisions regarding your business and/or investments. The operator does not endorse any investments and shall not be responsible in any way for any transactions you enter into with other users. You agree that the operator and its affiliates, officers, directors, partners, agents or employees will not be liable for any loss or damages of any sort incurred as a result of any interactions between you and other users.
Limits on Liability / Indemnification
1. As far as the law allows, the operator will not be liable to you for any: (1) financial losses; (2) loss of use, data, business or profits; or (3) indirect, special, consequential, exemplary, punitive, or any other damages. This will be whether or not the operator warned you of the possibility of such damages.
2. You agree that you will defend, indemnify and hold harmless the operator, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site.
Cybersecurity Incident Reporting
In the event of a cyber reporting event, as defined by the Digital Asset Business Act 2018 (e.g., a breach leading to unauthorized access or misuse of client information), Ensuro will notify affected clients via email (to your registered address) or a prominent posting on ensuro.co within a reasonable timeframe. The notice will detail the nature of the breach, its impact, and any recommended actions. Ensuro maintains a multilayer cybersecurity framework but cannot guarantee immunity from all threats.
Termination
1. Either you or the operator may end this agreement at any time. When this agreement ends, your permission to use the Services also ends.
2. If you violate any provision of this agreement for any reason, this agreement will automatically terminate and you must cease and desist from any further use of the Services.
3. The following sections continue after this agreement ends: Your Content, Feedback, Your Responsibility, Disclaimers, Limits on Liability, and General Terms.
Disputes
1. The law of Bermuda will govern these terms and all legal proceedings related to these terms or your use of the Services.
3. As a limited exception to the requirement for arbitration, both sides retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights.
4. If, for any reason, a dispute is heard in a court of law, both sides agree to bring any proceedings related to this agreement (other than the enforcement of a judgment) only in courts of competent jurisdiction in Bermuda.
5. Neither you nor the operator will object to jurisdiction, forum, or venue in those courts.
6. Both sides waive their rights to trial by jury, and agree to bring any legal claims related to this agreement as individuals, not as part of a class action or other representative proceeding.
General Terms
1. If a section of these terms is unenforceable as written, but could be changed to make it enforceable, that section should be changed to the minimum extent necessary to make it enforceable. Otherwise, that section should be removed, and the others should be enforced as written.
2. You may not assign this agreement. The operator may assign this agreement to any affiliate of the operator, any other company that obtains control of the operator, or any other company that buys assets of the operator related to the Services. Any attempt to assign against these terms has no legal effect.
3. Neither the exercise of any right under this agreement, nor waiver of any breach of this agreement, waives any other breach of this agreement.
4. These terms, plus the terms on any Services incorporating them by reference, are all the terms of agreement between you and the operator about use of the Services. This agreement entirely replaces any other agreements about your use of the Services, written or not.
5. Transaction Transparency: All eToken transactions (e.g., purchases, redemptions, yield claims) are recorded on the Polygon blockchain and viewable via the Ensuro platform’s dashboard. Each transaction generates an on-chain hash, accessible through your account interface and verifiable on a block explorer (e.g., Polygonscan). These hashes serve as your permanent, immutable receipt of activity. Ensuro does not provide additional paper or electronic receipts beyond this blockchain record.
Contact
1. You may notify the operator under these terms, and send questions to the operator, using the contact information they provide.
2. The operator may notify you under these terms using the e-mail address you provide for your account on the Services, or by posting a message to the homepage of the Services or your account page.
Changes
1. The operator may update the terms of service for the Services. The operator will post all updates to the Services. For updates with substantial changes, the operator agrees to e-mail you if you’ve created an account and provided a valid e-mail address. The operator may also announce updates with special messages or alerts on the Services.
2. Once you get notice of an update to these terms, you must agree to the new terms in order to keep using the Services.
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