Terms of Service | InSoBlokAI

Terms of Service

Last Updated: August 26, 2024
These Terms of Service (“Terms”) govern your access to and use of (i) the InSoBlok website and its associated web pages and social media platforms (the “Site”) operated by InSoBlok LLC. (“InSoBlok,” “we,” “our,” or “us”) and our subsidiaries, (ii) mobile applications available for download on your devices (each an “App”), (iii) online services collectively referred to as the “Services,” and (iv) products available through the Site and the App (the “Products”).
BY ACCESSING OR USING OUR PRODUCTS OR SERVICES, YOU ACKNOWLEDGE AND AGREE TO THESE TERMS. EXCEPT FOR (I) DISPUTES DESCRIBED IN SECTION 14, (II) IF YOU OPT OUT OF ARBITRATION AS PER SECTION 14, OR (III) WHERE PROHIBITED BY LAW, ANY DISPUTES BETWEEN YOU AND INSOBLOK WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY, AND NOT AS CLASS ACTIONS, CLASS ARBITRATION, OR ANY OTHER REPRESENTATIVE PROCEEDINGS, OR BY JURY TRIAL. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT USE OUR PRODUCTS OR SERVICES.
Certain Products or Services may have additional terms, conditions, guidelines, or policies (“Supplemental Terms”) that are specific to those offerings. These Supplemental Terms will apply when you use the corresponding Products or Services and will be considered part of your agreement with us. In the event of a conflict between these Terms and any Supplemental Terms, the Supplemental Terms will take precedence.
InSoBlok reserves the right to modify these Terms at any time. The “Last Updated” date at the top indicates when these Terms were last revised. If we make significant changes, we will notify you via email, through notifications on our Services, or by updating the date at the top of these Terms. Unless otherwise specified, any revised Terms will be effective immediately upon posting. Your continued use of our Products or Services after such notification constitutes your acceptance of the updated Terms. If you do not agree with the changes, you must discontinue your use of our Products and Services immediately.
1. Your Information
When you access or use our Products or Services, you may provide certain information, and we may collect additional information automatically. By using our Products or Services, you consent to receive communications from InSoBlok via email, SMS, and other methods using the contact details you provide. You confirm that all information shared with us is accurate and current.
For more details on how we collect, use, share, and manage your information, please refer to our ‘Privacy Policy’.
2. Eligibility and Usage Guidelines
(a) Jurisdiction: You are only permitted to use our Products or Services in regions where InSoBlok is authorized to operate.
(b) Permitted Use: Our Products and Services are designed for personal or business use. Sharing access is restricted to individuals with an active account who meet the age requirements outlined in Section 14(a).
3. Accounts
To access certain functionalities of our Products and Services, you may need to create an account. You are responsible for safeguarding your account credentials and may not share your account with anyone else. You agree to update any account information promptly if it changes and to secure your account against unauthorized access. If you suspect unauthorized use, you must notify us immediately. InSoBlok reserves the right to modify or reclaim usernames, particularly in cases of legal claims or trademark disputes.
4. User Content
(a) Our Services may allow you to create, post, store, and share content, such as reviews, messages, text, images, and videos (“User Content”). By sharing User Content, you understand that it may be publicly visible along with associated information (like your username). Making any information public is at your own risk.
(b) You maintain all rights to your User Content, except for the rights granted to InSoBlok. By submitting User Content, you grant InSoBlok and its affiliates a perpetual, irrevocable, nonexclusive, royalty-free, worldwide license to use, reproduce, modify, adapt, publish, translate, create derivative works, distribute, and publicly display your User Content across all media, without any obligation for compensation. You waive any moral rights regarding your User Content.
(c) You affirm that you possess all necessary rights to your User Content and that its use will not infringe on third-party rights or violate any laws. You may not submit User Content that:

Is illegal, defamatory, obscene, abusive, or harassing.
Violates any laws or third-party rights.
Infringes on any intellectual property rights.
Misrepresents your identity or affiliation.
Contains unsolicited advertisements or promotions.
Reveals private information about others without their consent.
Includes harmful code or viruses.
Is deemed objectionable or harmful to others at our discretion.

(d) The enforcement of this section is solely at InSoBlok’s discretion. A failure to enforce does not waive our right to enforce in other situations. This section does not grant any private right of action to third parties.
(e) While we do not promise to review all User Content, we reserve the right to:

Remove or refuse to post User Content at any time for any reason, including violations of these Terms or applicable laws.
Suspend or terminate your access to the Products or Services if your User Content appears likely to violate laws or Terms.
Take necessary actions to comply with legal obligations or protect third-party rights, including cooperating with law enforcement in response to requests.

5. Prohibited Conduct
(f) You may not use our Products or Services if you do not meet the eligibility criteria outlined in Section 2, nor should you use them for purposes other than their intended functions. Specifically, in relation to our Products or Services, you must not:

Violate any applicable laws, contractual obligations, intellectual property rights, or any third-party rights, or engage in any tortious conduct.
Participate in any form of harassment, threats, intimidation, predatory behavior, or stalking.
Access or attempt to access another user’s account or information without explicit authorization from both that user and InSoBlok.
Impersonate another individual or entity, or falsely represent your affiliation with any person or organization.
Sell, resell, or commercialize our Products or Services in any way.
Copy, reproduce, distribute, publicly perform, or display any part of our Products or Services, except as explicitly permitted by us or our licensors.
Alter, modify, or create derivative works based on our Products or Services, or remove any proprietary notices or markings.
Use our Products or Services in a way that could disrupt, harm, or impair the experience of other users, or damage, disable, or overburden the functioning of our Products or Services.
Reverse engineer, decompile, or attempt to discover the source code of our Products or Services, or circumvent any security measures designed to limit access.
Employ data mining, web scraping, or similar automated methods to extract data from our Products or Services, except as outlined in our robots.txt file, and solely for the purpose of generating public search indices. InSoBlok reserves the right to revoke permissions for such practices at any time without notice.
Develop or utilize any applications that interact with our Products or Services without obtaining prior written consent from us.
Distribute spam, unsolicited commercial communications, chain letters, or pyramid schemes.
Link to any part of our Products or Services in a manner that may damage our reputation or suggest any unauthorized endorsement or affiliation with InSoBlok.
Utilize our Products or Services for any illegal activities, or promote or encourage any conduct that violates these Terms.

(g) Enforcement of these provisions is at the sole discretion of InSoBlok. The failure to enforce any part of this section in any instance does not constitute a waiver of our right to enforce it in future instances.
6. Ownership and Limited License
The Services offered by InSoBlok, which encompass text, graphics, images, photographs, videos, illustrations, and other associated content, along with our Products, are owned by InSoBlok or our licensors. These materials are safeguarded under applicable laws in the United States and internationally. Except where explicitly stated in these Terms, all rights related to the Services and Products, including all associated intellectual property rights, are retained by us or our licensors.
Provided you comply with these Terms (including Sections 4 and 5), you are granted a limited, nonexclusive, non-transferable, non-sublicensable, and revocable license to access and utilize our Services for personal or internal purposes. This license allows you to install and use any applications included within the Services solely on mobile or personal devices that you own or control. Any usage of the Products or Services outside the scope of this license, without prior written consent from InSoBlok, is strictly forbidden and will result in the termination of this license, along with a violation of our intellectual property rights. Please note that any applications provided within the Services are licensed and not sold. Should you breach any terms outlined herein, you must immediately discontinue use of the application and uninstall it from your device.
7. Trademarks
The trademarks of InSoBlok, including our logos, product names, service names, slogans, and the overall appearance of the Services, are protected and may not be copied, imitated, or used in any manner without our prior written consent. Additionally, any other trademarks or product names referenced in connection with our Products or Services belong to their respective owners. Mentioning any products, services, processes, or other information by trade name or trademark does not imply endorsement, sponsorship, or recommendation by InSoBlok.
8. Feedback
You may voluntarily share any questions, comments, suggestions, creative ideas, or other input regarding InSoBlok or our Products and Services (collectively referred to as “Feedback”). By submitting Feedback, you acknowledge that we may utilize it for any purpose, including commercial endeavors, without any obligation for acknowledgment or compensation. This encompasses our right to develop, reproduce, publish, or refine your Feedback, as well as to enhance existing Products and Services or create new offerings at our discretion. All improvements or new developments derived from your Feedback will be the exclusive property of InSoBlok. Additionally, please note that InSoBlok may treat your Feedback as non-confidential.
9. Third-Party Content
(a) Our Products and Services may integrate with or depend on various third-party products and services, which include but are not limited to data storage solutions, communication technologies, Internet of Things (IoT) platforms, third-party application stores, and internet or mobile service providers (collectively referred to as "Third-Party Materials"). The functionality and reliability of our Services can be influenced by these Third-Party Materials, which are outside of our control. By using our Products and Services, you acknowledge that their performance may be contingent upon the availability and reliability of these third-party providers, which may not operate flawlessly at all times.
(b) Our Services may incorporate certain independent third-party code that falls under open-source licenses ("Open-Source Software"). Such Open-Source Software is licensed to us in accordance with the terms specified in the accompanying license, and may be licensed to you under the same or different conditions. The provisions outlined in these Terms do not restrict your rights under, nor do they grant you rights that supersede, the applicable terms and conditions of any Open-Source Software licenses.
(c) Additionally, we may offer links to or information regarding third-party products, services, events, or activities, and we may allow third parties to share their content through our Services (collectively termed "Third-Party Content"). This Third-Party Content is provided solely for the convenience of our users. Your interactions, transactions, or communications with these third parties are solely between you and the respective third party, and we bear no responsibility for such interactions.
(d) We do not have a duty to monitor or oversee Third-Party Materials or Third-Party Content, and we reserve the right to restrict or disable access to any Third-Party Materials or Third-Party Content (in whole or in part) at our discretion. Access to and use of Third-Party Content or Third-Party Materials may be governed by additional terms, conditions, and policies, including the specific terms of service or privacy policies of the third-party providers. You are responsible for ensuring that you have all necessary hardware, software, and network services required to access and utilize our Products and Services.
10. Indemnification
To the maximum extent allowed by applicable law, you agree to indemnify, defend, and hold harmless InSoBlok, along with our subsidiaries, affiliates, and all of our respective officers, directors, agents, partners, and employees (collectively referred to as the “InSoBlok Parties”), from any and all losses, liabilities, claims, demands, damages, expenses, or costs (“Claims”) that arise from or are related to: (a) your access to or use of our Products or Services; (b) any User Content or Feedback you provide; (c) your breach of these Terms; (d) any infringement, misappropriation, or violation of another party's rights, including intellectual property or privacy rights; or (e) your actions in relation to the Services.
You agree to promptly inform the InSoBlok Parties of any Claims made by third parties, assist us in the defense of such Claims, and cover all costs, fees, and expenses associated with that defense (including attorney's fees). The InSoBlok Parties retain the right to control the defense or settlement of any third-party Claims at InSoBlok's discretion. This indemnification obligation is in addition to any other indemnities specified in a separate written agreement between you and InSoBlok or the other InSoBlok Parties.
11. Disclaimers
Your use of InSoBlok’s Products and Services, along with any associated content or materials (including Third-Party Content and Third-Party Materials), is entirely at your own risk. Except as explicitly stated in writing by us and to the fullest extent allowed by applicable law, our Products and Services, along with any content or materials provided (including Third-Party Content and Third-Party Materials), are offered on an "as is" and "as available" basis, without any warranties of any kind, either express or implied.
InSoBlok disclaims all warranties related to these offerings, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Furthermore, we do not guarantee that our Products or Services or any associated content (including Third-Party Content and Third-Party Materials) are accurate, complete, reliable, up-to-date, or error-free, nor do we assure that access to them will be uninterrupted.
While InSoBlok strives to ensure a safe experience with our Products and Services, we cannot guarantee that they, or the servers hosting them, are free from viruses or other harmful components. You accept full responsibility for the quality and performance of the Products and Services, as well as any associated content.
All disclaimers, including those in this section and elsewhere in these Terms, are made for the benefit of InSoBlok, its affiliates, and their respective shareholders, agents, representatives, licensors, suppliers, service providers, and their successors and assigns.
12. Limitation of Liability
(a) To the fullest extent allowed by law, InSoBlok, along with its affiliates and partners (collectively referred to as "InSoBlok Parties"), shall not be liable to you for any claims arising from any legal theory—whether in contract, tort, negligence, strict liability, warranty, or otherwise—for any indirect, consequential, exemplary, incidental, punitive, or special damages, including lost profits, even if InSoBlok or its affiliates were made aware of the potential for such damages.
(b) The total liability of InSoBlok and its affiliates concerning any claims related to these Terms or our Services, irrespective of the nature of the claim, shall be limited to the total amount you have paid to InSoBlok for the use of the Products or Services related to the claim.
(c) The limitations outlined in this section do not apply to liabilities arising from gross negligence, fraud, or willful misconduct by InSoBlok or its affiliates, nor do they apply to any situations where liability cannot be excluded or limited under applicable law. Additionally, certain jurisdictions may not permit the exclusion or limitation of incidental or consequential damages; therefore, the above limitations may not be applicable in those cases.
13. Release
To the fullest extent permitted by law, you hereby release InSoBlok and its affiliates from any and all responsibilities, liabilities, claims, demands, and damages (both actual and consequential) of any kind, whether known or unknown (including claims based on negligence), arising from disputes between users or actions taken by third parties. If you are a consumer residing in California, you waive your rights under California Civil Code § 1542, which states: “A general release does not extend to claims that the releasing party does not know or suspect to exist in their favor at the time of executing the release, and that, if known, would have materially affected their settlement with the released party.”
14. Dispute Resolution; Binding Arbitration
PLEASE READ THIS SECTION CAREFULLY, AS IT REQUIRES YOU AND INSOBLOK TO RESOLVE CERTAIN DISPUTES THROUGH ARBITRATION, LIMITING THE WAYS WE CAN SEEK RELIEF FROM EACH OTHER. ARBITRATION MEANS YOU AND INSOBLOK WILL NOT HAVE THE OPTION TO SUE IN COURT OR TO HAVE A JURY TRIAL. BOTH YOU AND INSOBLOK AGREE THAT ARBITRATION WILL OCCUR ONLY ON AN INDIVIDUAL BASIS, AND NOT AS A CLASS ARBITRATION, CLASS ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING. BY AGREEING TO ARBITRATION, YOU AND INSOBLOK ARE WAIVING YOUR RIGHTS TO A JURY TRIAL.
IF YOU WISH TO OPT OUT OF THIS INDIVIDUAL ARBITRATION REQUIREMENT, FOLLOW THE INSTRUCTIONS BELOW. CLASS OR REPRESENTATIVE ACTIONS OR ARBITRATIONS ARE NOT PERMITTED UNDER THIS AGREEMENT.
InSoBlok Dispute Resolution Policy
(a) In the event of any disputes or claims arising between you and InSoBlok related to these Terms, our products, services, or any aspect of our relationship - including privacy or data security concerns (collectively referred to as "Claims") - both parties agree to engage in an informal resolution process before escalating the matter further.
Informal Resolution Process

Claim Notification: If you have a Claim against InSoBlok, please start by sending a written notice (the "Claimant Notice") to us at info@InSoBlok.ai. Your Claimant Notice should include:
- Your full name.
- Your residential address.
- Your email address and phone number.
- A detailed description of the nature and basis of the Claim.
- The specific resolution you are seeking.
InSoBlok Notification: If InSoBlok has a Claim against you, we will notify you via a written notice (the "InSoBlok Notice") sent to your primary email associated with your account. This notice will include:
- The name and contact details (email address and phone number) of a designated InSoBlok representative.
- A clear description of the nature and basis of the Claim.
- The specific relief sought by InSoBlok.

Resolution Timeline
Both you and InSoBlok agree to attempt to resolve the Claim informally within thirty (30) days following the receipt of the Claimant Notice or InSoBlok Notice. If a satisfactory resolution is not achieved within this timeframe, either party may then proceed to submit the Claim to binding arbitration as specified in our arbitration agreement.
Tolling of Statute of Limitations
Please note that the statute of limitations and any deadlines for filing fees related to the Claim will be paused for thirty (30) days from the date that either party sends the applicable notice. This pause is intended to encourage constructive dialogue and facilitate resolution before resorting to formal arbitration.
Dispute Resolution and Arbitration
(b) Except for individual disputes eligible for small claims court and any disputes specifically concerning the intellectual property rights of either you or InSoBlok, including any claims seeking injunctive or equitable relief due to alleged unlawful use or infringement of intellectual property ("IP Claims"), all other claims - regardless of whether they are based on contract, tort, statute, fraud, misrepresentation, or any other legal theory - will be resolved through binding arbitration. This applies to Claims not directly related to intellectual property that may be jointly filed with IP Claims.
All unresolved Claims that do not comply with the informal resolution process outlined in Section 14(a) will be submitted to a neutral arbitrator for final and binding arbitration rather than being litigated in a court of law. This includes any disputes regarding the interpretation or application of this arbitration clause itself, such as its enforceability, revocability, or validity.
The appointed arbitrator will possess the authority to grant any remedies or relief that would typically be available in a court setting, ensuring that all parties receive appropriate resolution in line with legal standards.
(c) These Terms have implications for interstate commerce, and the enforcement of this Section 14 will be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., to the extent permitted by applicable law.
(d) All Claims must be submitted to the American Arbitration Association (AAA) and will be resolved through binding arbitration conducted by a single arbitrator. If you are a consumer, the most current version of the AAA’s Consumer Arbitration Rules will apply, as found on the AAA’s website (adr.org), with amendments as outlined in these Terms.

YOU AND INSOBLOK AGREE THAT ALL ARBITRATIONS UNDER THESE TERMS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY. CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED, and both parties are waiving their right to participate in any class action proceedings. The arbitrator will only address individual claims and, except for the procedures detailed below - if twenty-five (25) or more similar claims are brought against InSoBlok or you by the same or coordinated counsel - the arbitrator cannot consolidate claims, oversee any class or representative actions, or manage proceedings involving multiple individuals.
If you initiate arbitration, you will be responsible for the consumer filing fee, while InSoBlok will pay any remaining fees and costs charged by the AAA. If InSoBlok starts the arbitration process, InSoBlok will bear all AAA fees and expenses.
For arbitrations involving claims of $25,000 or less, the resolution will follow the AAA’s Procedures for Dispute Resolution through Document Submission. For all other arbitrations, the following procedures will be in place: (i) the arbitrator may conduct hearings via teleconference or videoconference instead of in-person meetings, unless either party requests an in-person hearing and the arbitrator agrees it is warranted; (ii) if in-person hearings occur, they will be held at a mutually convenient location for both parties, taking into account travel capabilities and other relevant factors; and (iii) if the parties cannot agree on a location, the AAA or the arbitrator will make that determination.
Should you or InSoBlok submit a dispute to arbitration and the arbitrator orders the exchange of information, both parties agree to cooperate in seeking protection from the arbitrator for any confidential, proprietary, trade secret, or sensitive information, documents, testimony, or other materials that may be exchanged or discovered during the arbitration process. Both parties commit to seeking this protection before any such information is shared or becomes part of the discovery.

The arbitrator’s ruling will adhere to these Terms and will be considered final and binding. The arbitrator is authorized to grant temporary, interim, or permanent injunctive relief, or to mandate specific performance as needed to address the individual claim presented. The arbitrator’s award can be confirmed and enforced in any court with appropriate jurisdiction. However, nothing in these Terms prevents you from raising matters with federal, state, or local agencies, which may seek relief on your behalf if permitted by law.
If twenty-five (25) or more similar claims are filed against InSoBlok or you by the same or coordinated counsel, the AAA Supplementary Rules for Multiple Case Filings and the AAA Multiple Consumer Case Filing Fee Schedule will apply. Furthermore, you and InSoBlok acknowledge and agree that when such coordinated claims are asserted, the aforementioned rules will govern the arbitration process. If your claim or InSoBlok's claim is subject to coordinated actions, there may be delays in resolution. In such instances, you and InSoBlok agree to implement a coordinated bellwether process. Each side’s legal counsel will select ten (10) cases to be addressed first through individual arbitration as part of this bellwether approach. The remaining cases will not be submitted for arbitration, nor will any AAA fees be incurred for those cases until they are chosen to move forward in individual arbitration proceedings.

If the initial twenty (20) cases do not lead to a resolution for the remaining claims, each side will then select an additional ten (10) cases to enter individual arbitration as part of a second bellwether process. Similar to before, the remaining cases will not be filed for arbitration, and no AAA fees will be applied until they are selected to proceed. In the context of the bellwether process, a single arbitrator will oversee each individual case. Each arbitrator will handle only one case at a time unless both parties mutually agree otherwise. This structured process will proceed as outlined until all claims in the coordinated filings, including yours, are resolved or adjudicated.
The statute of limitations and any deadlines for filing fees will be paused for claims involved in this staged process, starting from the selection of the first cases for the bellwether process until your case is chosen, withdrawn, or otherwise resolved. A court will have the authority to enforce this provision and, if necessary, to prevent the mass filing or pursuit of arbitration claims against InSoBlok or you.
(e) One Year to File Claims: To the extent allowed by law, any claim you or InSoBlok may have concerning these Terms, our products, services, or any aspect of the relationship between you and InSoBlok must be submitted within one year from the date the claim arises. If not filed within this timeframe, the claim will be permanently barred, meaning neither you nor InSoBlok can pursue it.
(f) Opting Out of Binding Arbitration: You have the option to opt out of binding arbitration within 30 days of your initial acceptance of these Terms. To do so, please send an email to info@InSoBlok.ai indicating your decision to opt out. Your opt-out notice must include your full name, mailing address, and email address, and must clearly express your intent to opt out of binding arbitration. By choosing to opt out, you agree to resolve disputes as outlined in Section 14.
(g) If any part of this Section 14 is deemed unenforceable or unlawful for any reason, including but not limited to being considered unconscionable, then: (i) the specific unenforceable or unlawful provision will be removed from these Terms; (ii) this removal will not affect the validity or enforceability of the remaining provisions of Section 14, nor will it hinder either party's right to compel arbitration for any other claims on an individual basis as stated in this Section; and (iii) if any claims must proceed on a class, collective, consolidated, or representative basis, those claims will need to be litigated in a civil court with appropriate jurisdiction, rather than through arbitration. The litigation of such claims will be paused until the resolution of any individual claims in arbitration. Additionally, if any aspect of this Section 14 is found to prevent an individual claim for public injunctive relief, that part will be ineffective only to the extent that such relief can be sought outside of arbitration, while the rest of Section 14 remains enforceable.
(h) Notwithstanding any other provisions in these Terms, if you reside outside the United States, you may initiate legal proceedings regarding the Terms by either following the arbitration process outlined in Section 14 or, if permitted by applicable law, by submitting the dispute to an arbitration administrator in your country of residence. If the dispute is not subject to arbitration under local law, you may bring the matter before the courts in your jurisdiction.
15. Governing Law
Any claims will be governed by and interpreted according to the laws of the British Virgin Islands (BVI), without regard to any conflict of law principles that might lead to the application of laws from another jurisdiction. If any claim is not subject to arbitration under Section 20, the courts in the BVI will have exclusive jurisdiction. Both you and InSoBlok waive any objections to the venue in these courts. If local law mandates that consumer contracts be interpreted according to local regulations and enforced in local courts, this section may not apply to you to the extent that local law conflicts with it.
16. Modifying and Terminating Our Products or Services
We retain the right to modify our Services or to suspend or terminate all or part of our Products or Services at any time. This includes the ability to adjust, charge, or waive any fees associated with the use of our Products or Services, as well as to offer opportunities to some or all users. We may notify you in advance of any suspension or discontinuation, which could be communicated via email or through our Products or Services. Any modifications or additions to our Products and Services will be subject to these Terms or any Supplemental Terms, unless stated otherwise in writing by InSoBlok. You also have the right to discontinue your use of our Products and Services at any time, effectively terminating these Terms by doing so. InSoBlok will not be liable for any loss or inconvenience arising from your inability to access or use our Services.
17. Severability
If any part of these Terms, other than Section 14, is deemed unenforceable or illegal for any reason, including being considered unconscionable, then: (a) the specific unenforceable or illegal provision will be removed from these Terms; (b) this removal will not affect the validity or enforceability of the remaining provisions; and (c) the unenforceable or illegal provision may be revised as necessary to ensure enforceability or legality, with the rights and responsibilities of both parties interpreted and enforced accordingly to maintain the integrity and intent of these Terms to the fullest extent possible.
18. Export Control
You are responsible for ensuring compliance with U.S. export control laws and regulations, including any embargoes or restrictions imposed by the U.S. government. You affirm that you are not (a) located in, or a citizen or resident of, any country subject to a U.S. embargo or designated by the U.S. government as a "terrorist-supporting" nation; or (b) listed on any U.S. government restricted end user lists.
19. Miscellaneous
(a) InSoBlok's failure to exercise or enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. These Terms constitute the complete agreement between the parties regarding the subject matter herein and replace all previous agreements, representations, and understandings. The headings in these Terms are for reference only and do not carry legal or contractual significance. The term "including" means "including but not limited to." Unless specified otherwise, these Terms are intended solely for the benefit of the parties involved and do not grant third-party rights to any other individual or entity. Communication and transactions between us may occur electronically.
20. Additional Terms for Mobile Devices
The following terms apply if you install, access, or use the Services on any device running the iOS mobile operating system (the “iOS App”) developed by Apple Inc. (“Apple”).
(a) Acknowledgement: You recognize that these Terms are an agreement solely between you and InSoBlok, not with Apple. InSoBlok is solely responsible for the iOS App and its content. You also acknowledge that the usage of the iOS App is subject to any additional restrictions outlined in the Usage Rules of the Apple iOS App Store Terms of Service at the time you download the App. In case of any conflict, the more restrictive Usage Rules from the Apple iOS App Store will take precedence. You confirm that you have had the opportunity to review these Usage Rules.
(b) Scope of License: The license granted to you is limited to a non-transferable right to use the iOS App on any iPhone, iPod touch, iPad, or other Apple devices that you own or control, in accordance with the Usage Rules specified in the Apple iOS App Store Terms of Service.
(c) Maintenance and Support: You acknowledge that Apple has no responsibility to provide any maintenance or support services for the iOS App.
(d) Warranty: You understand that Apple is not liable for any product warranties, whether expressed or implied by law, concerning the iOS App. If the iOS App fails to meet any applicable warranty, you may notify Apple, who will refund the purchase price, if any, you paid for the App. To the fullest extent permitted by law, Apple holds no further warranty obligations regarding the App. Any applicable warranties or claims related to failures in conformance with such warranties are the sole responsibility of InSoBlok. However, InSoBlok disclaims all warranties related to the App, meaning no warranties are applicable.
(e) Product Claims: You and InSoBlok agree that InSoBlok, not Apple, is responsible for handling any claims regarding the iOS App or your use of it. This includes, but is not limited to, (a) product liability claims, (b) any claims alleging that the iOS App does not comply with applicable laws or regulations, and (c) claims under consumer protection laws or similar legislation.
(f) Intellectual Property Rights: The parties agree that if a third party claims that the iOS App or your use of it infringes their intellectual property rights, InSoBlok, not Apple, will be solely responsible for investigating, defending, settling, and resolving any such claims as required under these Terms.
(g) Third-Party Terms of Agreement: You agree to adhere to any relevant third-party terms while using the Services.
(h) Third-Party Beneficiary: Apple and its subsidiaries are considered third-party beneficiaries of these Terms. By accepting these Terms, Apple is granted the right to enforce them against you as a third-party beneficiary.
The following terms apply if you install, access, or use the Services on any device running the Android operating system (the “Android App”) developed by Google, Inc. (“Google”):
(a) You acknowledge that these Terms are solely between you and InSoBlok, not Google.
(b) Your use of our Android App must adhere to Google's current Android Market Terms of Service.
(c) Google acts only as a provider of the Android Market where you downloaded the Android App. InSoBlok, not Google, is fully responsible for the Android App, as well as the Services and content available within it. Google holds no obligations or liabilities regarding our Android App or these Terms.
(d) Google is recognized as a third-party beneficiary of these Terms concerning our Android App.
21. WALLETS AND DIGITAL ASSETS
InSoBlok may enable you to access and manage various digital assets through a digital wallet integrated with our platform (“Wallet”). This Wallet can display your digital asset balance, facilitate transaction approvals, and provide additional functionalities. However, InSoBlok is not obligated to maintain these features and may discontinue the Wallet or any of its functions at any time without liability to you.
You acknowledge that the Wallet may present incorrect or incomplete information, and it is your responsibility to verify such details through your own due diligence. You are also responsible for any fees associated with using your Wallet, including account creation costs and blockchain transaction fees.
You understand that digital assets may not have any current or future value. Your engagement with these assets is subject to our policies, which may include compliance with applicable laws, acceptance of additional terms, and provision of necessary information for processes like know your customer (KYC) or anti-money laundering (AML) compliance. We reserve the right to reject any digital assets or limit your access to them for any reason, and InSoBlok will not be liable for any inability to access these assets.
Using digital assets, cryptocurrencies, and blockchain technology involves significant risks. Engaging with these assets may result in partial or total loss of value. Given the rapidly evolving nature of digital assets and the underlying blockchain technology, they may be susceptible to technical issues and cyber threats. InSoBlok is not responsible for any loss, theft, or inability to use your digital assets.
22. Reserved
This section is intentionally left blank and may be utilized for future provisions or updates as deemed necessary by InSoBlok.

Is illegal, defamatory, obscene, abusive, or harassing.

Violates any laws or third-party rights.

Infringes on any intellectual property rights.

Misrepresents your identity or affiliation.

Contains unsolicited advertisements or promotions.

Reveals private information about others without their consent.

Includes harmful code or viruses.

Is deemed objectionable or harmful to others at our discretion.

Remove or refuse to post User Content at any time for any reason, including violations of these Terms or applicable laws.

Suspend or terminate your access to the Products or Services if your User Content appears likely to violate laws or Terms.

Take necessary actions to comply with legal obligations or protect third-party rights, including cooperating with law enforcement in response to requests.

5. Prohibited Conduct (f) You may not use our Products or Services if you do not meet the eligibility criteria outlined in Section 2, nor should you use them for purposes other than their intended functions. Specifically, in relation to our Products or Services, you must not:

Violate any applicable laws, contractual obligations, intellectual property rights, or any third-party rights, or engage in any tortious conduct.

Participate in any form of harassment, threats, intimidation, predatory behavior, or stalking.

Access or attempt to access another user’s account or information without explicit authorization from both that user and InSoBlok.

Impersonate another individual or entity, or falsely represent your affiliation with any person or organization.

Sell, resell, or commercialize our Products or Services in any way.

Copy, reproduce, distribute, publicly perform, or display any part of our Products or Services, except as explicitly permitted by us or our licensors.

Alter, modify, or create derivative works based on our Products or Services, or remove any proprietary notices or markings.

Use our Products or Services in a way that could disrupt, harm, or impair the experience of other users, or damage, disable, or overburden the functioning of our Products or Services.

Reverse engineer, decompile, or attempt to discover the source code of our Products or Services, or circumvent any security measures designed to limit access.

Develop or utilize any applications that interact with our Products or Services without obtaining prior written consent from us.

Distribute spam, unsolicited commercial communications, chain letters, or pyramid schemes.

Link to any part of our Products or Services in a manner that may damage our reputation or suggest any unauthorized endorsement or affiliation with InSoBlok.

Utilize our Products or Services for any illegal activities, or promote or encourage any conduct that violates these Terms.

Claim Notification: If you have a Claim against InSoBlok, please start by sending a written notice (the "Claimant Notice") to us at info@InSoBlok.ai. Your Claimant Notice should include:

Your full name.

Your residential address.

Your email address and phone number.

A detailed description of the nature and basis of the Claim.

The specific resolution you are seeking.

InSoBlok Notification: If InSoBlok has a Claim against you, we will notify you via a written notice (the "InSoBlok Notice") sent to your primary email associated with your account. This notice will include:

The name and contact details (email address and phone number) of a designated InSoBlok representative.

A clear description of the nature and basis of the Claim.

The specific relief sought by InSoBlok.

If you initiate arbitration, you will be responsible for the consumer filing fee, while InSoBlok will pay any remaining fees and costs charged by the AAA. If InSoBlok starts the arbitration process, InSoBlok will bear all AAA fees and expenses.

5. Prohibited Conduct
(f) You may not use our Products or Services if you do not meet the eligibility criteria outlined in Section 2, nor should you use them for purposes other than their intended functions. Specifically, in relation to our Products or Services, you must not: