1. INTRODUCTION

This document (the "Terms") together with the SLVR PRIVACY POLICY (collectively the "Agreement") sets out the terms and conditions governing visits, access and use of the website SLVR by the end user ("you"). The term "you" includes additional registered users whenever permitted under the applicable exchange, visitors, and others who access or use any of the Services.

The "Services" means the website and exchange service branded SLVR, mobile and device applications and all services provided by SLVR or SLVR's vendors, or other third parties with whom SLVR (as defined herein) contracts to provide the Services that are inherently related to the website and exchange service SLVR.

The Services are provided by SLVR Partners, LLC and their affiliated entities, and each of their present, former and future parents, predecessors, successors, assignees, subsidiaries, owners, officers and directors (whether acting in such capacity or individually), agents and attorneys (collectively, "SLVR," "we" "us" and/or "our"). You may contact us at: SLVR – Customer Support: help@slvr.ag.

The current Agreement will appear on our website with the effective date that the Terms and/or Privacy Policy were updated. SLVR may, in its discretion, make changes to the Agreement. When we make material changes to the Agreement, we will provide you with notice as appropriate under the circumstances, for example, by sending you an email. Your continued use of the Services after the changes have been made will constitute your acceptance of the changes. Please therefore make sure you read any such notice carefully. If you do not wish to continue using the Services under the new version of the Agreement, you may terminate the Agreement by contacting us at help@slvr.ag.

2. PREREQUISITES FOR ACCESS TO THE SERVICE

You need access to the internet in order to use the Services, and any cost for accessing the internet shall be paid by you. This also applies when using the Service via mobile phone, tablet, or other personal device capable of internet connection. If you use the Services via mobile telephone you should familiarize yourself with applicable data transfer costs for your mobile carrier plan. SLVR does not have any responsibility or liability for data transfer costs you may incur when using the Services. We cannot guarantee that the Services will work with all devices.

It is your responsibility to ensure that you are able to comply with the relevant system requirements for SLVR. SLVR accepts no responsibility for any lack of functionality that is due to your equipment (including your device, internet connection, operating system or settings and software). Access to parts or all of the Services may be restricted from time to time to allow for repairs, maintenance or updating.

You may not use the Services in any way that is fraudulent or illegal or is expressly prohibited by these Terms. By using the Services, you promise to us that you accept these Terms and that (a) you are 18 years of age or over; or (b) you are between the age of 13 and 17, and have express permission from your parent or guardian to use the Services. If you are under age 13, you are not permitted to use the Services or to submit any personally identifiable information to SLVR. If SLVR reasonably believes that you have not told us your true age, we may suspend your use of the Services until you have provided us with acceptable proof of age. If you are a parent or guardian and believe SLVR may have inadvertently collected personal information from your child, please notify SLVR immediately by sending an email to SLVR – Customer Support at help@slvr.ag detailing the basis of your belief and your request.

The Service may require you to register and create an account for validation. You agree to (a) provide accurate, current and complete information as prompted by any registration forms on the Services; (b) maintain and promptly update such information and any other information provided to SLVR, to keep it accurate, current and complete; (c) maintain the security of your password and identification; and (d) be fully responsible for all use of your account and for any actions that take place using your account.

SLVR reserves the right to suspend or remove your account or prohibit your use of the Services, without responsibility or liability to you, if activities occur on your account that we believe breach the Agreement.

3. PURCHASE, PRICE INFORMATION, PAYMENT TERMS AND REFUND POLICY

(a) Subscription

Certain aspects of the Services provided by SLVR, third parties, or both may require you to purchase a subscription for a period of time as specified during sign-up (collectively a "Subscription").

(b) Bundles

SLVR may contract with a third party provider to provide the Services to you through a bundle package together with other services provided by such third party provider. The payment terms for such bundle package, as well as other terms and conditions governing your use of the bundle package, may differ from the terms set out in this Agreement. You are solely responsible for reviewing such bundle terms or any other terms governing your use of the services provided by the third party provider before agreeing to any bundle package and accessing the Service via such bundle package. If you have purchased a bundle package, payment will be taken from you by your provider. Should you wish to cancel or terminate your subscription via such bundle package or obtain any further information in respect of payment methods, billing cycles, automatic renewals or refunds you must contact your provider. Other than this sub-section (b), Section 3 of this Agreement does not apply to you if you have purchased the Services as part of a bundle package from any other third party.

(c) Promotion/Trials

SLVR, vendors, or other third parties with whom we contract to provide the Services may offer special promotions/trials with differing conditions and limitations which may be subject to different terms from these Terms. Any additional terms to these Terms will be disclosed at sign-up or in other communications made available to you prior to sign-up. You are solely responsible for reviewing any additional terms governing your use of such special promotions or trials before accessing any special promotions or trials.

(d) Payment Methods

In connection with any and all Subscriptions that you select to purchase you must provide SLVR with a current, valid, accepted method of payment, which may change from time to time ("Payment Method"). All Subscription purchases are subject to this Agreement and any additional terms and conditions, including any fees, imposed by your financial services provider and/or mobile carrier, as applicable. You are solely responsible for reviewing the terms of use, privacy policy or any other terms governing your use of the services provided by your financial services provider and/or mobile carrier. By providing a Payment Method in connection with any Subscription, you hereby authorize SLVR to debit the total cost of said Subscription and agree to be responsible for any foreign transaction charges associated with your Subscription purchase. Should charges for which you are responsible fail at the time payment is required, you may be responsible for costs associated with SLVR's efforts to collect amounts due in accordance with applicable laws. You represent and promise to us that all information you provide in connection with the purchase of a Subscription is true, accurate and complete. The duration and cost of Subscriptions are set by SLVR in its sole discretion. When you purchase a Subscription, you will initially be charged at the rate applicable at the time of your initial agreement to subscribe. If the price of the Subscription increases later, we will provide you with written notice before the end of the billing period in which the change is made. If you do not accept the change to your Subscription, you will be entitled to terminate this Agreement.

(e) Billing Cycle

As indicated during sign-up, the fee for certain Subscriptions may allow payment on an annual or monthly basis. Your Payment Method will automatically be billed at the beginning of each period as specified during sign-up.

(f) Automatic Renewal

In order to provide continuous service, you agree that SLVR will automatically renew a Subscription on or about the date the Subscription expires. Such renewal will be for the same duration of the original subscription term and will be billed at the non-discounted rate for the Subscription as of the date of your enrollment and according to your original billing cycle method (i.e. either as a single upfront payment or a monthly basis). By enrolling in a Subscription, you agree that your Subscription will be subject to the above-described automatic renewals unless you cancel your Subscription in accordance with the terms of this Agreement. You also agree that the amount billed may be different if your original Subscription was purchased using a promotional/trial offer and you authorize SLVR to charge your Payment Method for such varying amounts as indicated at the time of sign-up. You agree that you are responsible for other charges, including any foreign transaction charges, that may be imposed by credit card providers, payment processors or other third parties in connection with your use of the Subscription. Your Subscription will remain in effect and continue to renew automatically until it is canceled.

(g) Refund Policy

We will not refund any fees paid to us, including any advance charge(s) or payment(s) for any subscription term for the Services, unless otherwise required by law or the terms of this Agreement.

(h) Charge Backs

If you dispute Subscription charges with your credit card company or financial institution, and SLVR's investigation determines the charges were valid, we may, on reasonable written notice to you, charge to your SLVR account the reasonable required cost of responding to your charge back request. SLVR's Privacy Policy details what information SLVR may share with your financial institution as part of the investigation into disputed Subscription charges.

4. SPECIAL OFFERS

If you have received or purchased access to the Services as part of a special offer, campaign or a partner deal (a "Special Offer"), then the terms presented as part of such Special Offer are a part of this Agreement. Special Offers will, unless otherwise specified, only be valid for customers in the country (and state(s)) where it is issued.

5. RESTRICTIONS APPLICABLE TO THE USE OF THE SERVICE

The Services shall not be used in any manner that may breach the restrictions applicable to the utilization of the Service Content (as defined in Section 7, below). These include, but are not limited to, prohibitions against (i) any form of technical intervention in the Services for purposes of using the Services in any manner other than that intended and permitted under the Agreement; (ii) assigning any username or password to anyone else; (iii) using the Services in violation of applicable law; and (iv) failing to respect applicable geographic/territorial restrictions.

6. LICENSE

You may not may transfer your rights and obligations, or sub-contract or sub-license your obligations, under this Agreement to another legal entity.

7. CONTENT RESTRICTIONS

The Services may contain content, that includes, but is not limited to, sound recordings, audiovisual works, other video or audio works, clips, images, graphics, text, software, works of authorship, files, documents, applications, artwork, trademarks, trade names, metadata, intellectual property, or materials relating thereto or any other materials, and their selection, coordination and arrangement (collectively, the "Service Content"). The Service Content is the property of SLVR and/or third parties and is protected by copyright under both United States and foreign laws. The Service Content is made available to you only for your personal use as expressly permitted under these Terms.

You are prohibited from using the Service Content as follows:

You shall only use the Service Content on platforms which are at your disposal for your personal use as provided herein and pursuant to your Subscription terms, and which support the Services' technical protection system. You shall not circumvent or try to circumvent the Services' technical protection system.

Unauthorized use of the Services may also constitute a violation of applicable laws or regulations. If SLVR, in its sole discretion, thinks you have breached the Terms, or has reasonable grounds to believe that you are likely to breach these Terms, we may take any action we think is necessary to protect the Services and the Service Content. We may: (a) restrict, suspend, or terminate your right to use the Services; (b) remove your User Content (as defined below) from the Services; (c) investigate and take legal proceedings against you; or (d) disclose any information to law enforcement authorities we think is necessary or as required by law. These actions are not limited and we may take any other action we reasonably deem appropriate.

We are the owner of the SLVR trademark (the "Trademark"). Nothing in this Agreement or on the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademark, without SLVR's prior written permission specific for each such use. Use of the Trademark as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by SLVR in writing. All goodwill generated from the use of the Trademark inures to SLVR's benefit.

8. USER CONTENT

To the extent allowed by the Services, any video or audio works, images, graphics, text, works of authorship, files, documents, applications, artwork, trademarks, trade names, metadata, intellectual property, or materials relating thereto or any other materials that you submit to the Service ("User Content") are generated, owned and controlled solely by you and/or your licensees. We do not claim any intellectual property ownership rights in any User Content. After directly sending ("submitting") your User Content to the Services, you continue to retain any intellectual property ownership rights that you may have in your User Content, subject to the license below. By submitting any User Content on or through the Services, you hereby grant to SLVR a license (with the unrestricted right to sublicense) to store, host, display, stream, transmit conditional downloads, exploit, promote, market, sell and transmit permanent downloads, use, modify, delete from, add to, publicly perform, publicly display, reproduce, create and use derivative works of, distribute and otherwise disseminate the User Content on or through the Services via any and all devices known or hereinafter devised.

(a) License Terms

The license you grant to SLVR is non-exclusive (meaning you are free to license User Content to anyone else), fully-paid and royalty-free (meaning that we are not required to pay you for the use on the Services of the User Content that you post), sublicensable (so that we are able to use our affiliates, subcontractors and other vendors such as internet content delivery networks and wireless carriers to provide the services related to the Services), perpetual (forever) and worldwide.

(b) User Representations

You represent and promise to us that the User Content submitted by you on or through the Services: (i) is owned by you or you otherwise have the right to grant the license set forth herein; (ii) does not infringe the rights of any third party, including any intellectual property rights, rights of confidential information or rights in privacy; (iii) does not imply any affiliation, endorsement, approval or cooperation by SLVR or any artist, band, label, entity or individual without express written consent from such individual or entity; and (iv) shall comply with all applicable laws and these Terms. You agree to pay for all royalties, fees, and any other monies owing any person or entity by reason of any User Content submitted by you on or through the Services.

9. SUBMISSIONS

We have provided our contact information and email links on the Services because we would like to hear from you. However, we do not want you to, and you should not, send SLVR any documents or other materials that contain confidential or proprietary information. You grant SLVR an unrestricted, irrevocable, royalty-free license to copy, distribute, and modify any such documents or other materials that you send SLVR, and to use for any purpose any ideas, trade secrets, know-how or other confidential or proprietary information disclosed in those documents or other materials, and that all of the representations and promises you make pursuant to this Agreement with respect to User Content apply equally with respect to any other documents or materials that you send to SLVR that do not constitute User Content.

10. NOTICE AND PROCEDURES FOR MAKING CLAIMS OF COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT

We, at our sole discretion, may disable and/or terminate use of the Services by users who infringe the intellectual property rights of others. We also have a policy of responding to notices of alleged infringement that complies with the Digital Millennium Copyright Act ("DMCA") which may include removing material, including Service Content and/or User Content, claimed to be the subject of infringing activity.

If you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property or privacy rights have been otherwise breached, please provide SLVR with a notice containing the following information:

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
• A detailed description of the copyrighted work or other intellectual property that you claim has been infringed;
• A detailed description of where the material that you claim is infringing is located on the website (providing URL(s) in the body of an email is the best way to help SLVR locate content quickly);
• Your name, address, telephone number, and email address;
• A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
• A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright or other intellectual property right owner or authorized to act on the copyright or intellectual property right owner's behalf; and
• Your signature.

Send your notice to SLVR by email to help@slvr.ag. Please note that you may be liable for damages (including costs and attorneys' fees) if you materially misrepresent that any material is infringing your copyrights or other intellectual property or privacy rights.

11. NOTICE TO CALIFORNIA RESIDENTS

Pursuant to California Civil Code Section 1789.3, California residents are entitled to the following specific consumer rights notice which is hereby offered as a convenience to you:

The name and address of the provider of the Services is SLVR & Co., 230 Kings Hwy E., Suite 350, Haddonfield, NJ 08033, USA. Complaints regarding the service or requests to receive further information regarding use of this service may be sent to the above address or by email to help@slvr.ag.

The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite S202, Sacramento, CA 95834 or by telephone at (916) 574-7950 or (800) 952-5210.

12. THE RIGHTS OF SLVR

If you fail to make payment or materially breach any provision of the Agreement, and such breach is not caused by circumstances on the part of SLVR, SLVR may, taking the interest of the user in account, deny further access to the Services.

You are aware that SLVR may send Services-related information to you in the form of e-mails and, where you have made your mobile number available and provided consent, by text messages, as detailed further in the Privacy Policy.

13. NO WARRANTY/ LIMITATION OF LIABILITY

The Services and the Service Content are provided on an "as is" and "as available" basis without any warranties of any kind. To the fullest extent permitted by applicable law, SLVR disclaims all warranties, including, but not limited to, the warranty of title, merchantability, non-infringement of third parties rights, and fitness for particular purpose. SLVR reserves the right to change functionality and content offered under the Services on an ongoing basis.

To the fullest extent permitted by applicable law, SLVR makes no warranties or representations about the Services or Service Content, including but not limited to their accuracy, reliability, completeness, efficacy, or timeliness. SLVR shall not be subject to liability for truth, accuracy, or completeness of any information conveyed to the user or for errors, mistakes or omissions therein or for any delays or interruptions of the data or information stream from whatever cause. You agree that your use of the Services and the Service Content is at your own risk. It is your responsibility to evaluate the accuracy, completeness or usefulness of any opinion, advice or other Service Content available through the Services.

14. INDEMNIFICATION

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold SLVR harmless from and against any claims, actions or demands, including, without limitation, reasonable legal and accounting fees, arising from, relating to or resulting from (a) your breach or alleged breach of the Agreement; (b) your access to, use or misuse of the Service Content or the Services; (c) any breach of your representations and promises set forth herein, or (d) your violation of any law or the rights of a third party. We shall provide notice to you of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding. We reserve the right to assume the exclusive defense and control of any matter that is subject to indemnification under this Section. In such case, you agree to cooperate with any reasonable requests assisting our defense of such matter.

15. TERMINATION

We may terminate this Agreement and close your account, or suspend your access to the Services, at any time without notice and without responsibility or liability to you, in the event of your actual or suspected unauthorized use or misuse of the Services and/or Service Content, or breach of the Agreement. In that event, we will refund to you a pro-rata share of your Subscription charge to account for the period you will not be able to access the Services. Lifetime subscribers who are suspected of violating the Services and/or Service Content, or breach of the Agreement may be suspended and then reinstated following an investigation. If SLVR determines that the Lifetime subscriber has committed an actual unauthorized use or misuse of the Services and/or Service Content, or breach of the Agreement, Lifetime will be terminated with no refund.

We may terminate this Agreement and close your account at any time on reasonable notice to you if we cease to provide the Services.

At termination of Service, Lifetime will receive a perpetual license to use all content in Service at no charge.

16. GOVERNING LAW; ARBITRATION OF DISPUTES

Any dispute or claim arising out of or relating in any way to one or more of the following: (1) the Agreement; (2) the Services or Service Content, including User Content; (3) your Subscription; or (4) any products or services sold or distributed by SLVR or through SLVR (collectively "Claims"), will be resolved by binding arbitration, rather than in court, except that you and SLVR may assert Claims on an individual basis in small claims court if they qualify. You and SLVR also agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights unrelated to your use of the Services or Subscription.

This Arbitration Provision is intended to be given the broadest possible meaning under the law and shall be governed by the Federal Arbitration Act and applicable U.S. federal arbitration law.

(a) Prohibition of Class and Representative Actions and Non-Individualized Relief

Any and all proceedings to resolve Claims will be conducted only on an individual basis and not in a class, consolidated, or representative action or proceeding. The arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party's individual claims. Any relief awarded cannot affect other users of the Services.

(b) Arbitration Procedures

There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, the arbitrator may award the same damages and relief as a court (including statutory damages, attorneys' fees and costs), except that the arbitrator cannot not award any relief, including declaratory or injunctive relief, benefiting anyone but the parties to the arbitration. The arbitrator must follow and enforce the Agreement.

The arbitrator, and not any court, shall have exclusive authority to resolve any Claim relating to the interpretation, applicability, enforceability or formation of this Arbitration Provision including, but not limited to any claim that all or any part of this Agreement is void or voidable. The arbitrator will decide any and all Claims—statutory, common law, or otherwise.

The arbitration will be conducted by a neutral arbitrator from the American Arbitration Association ("AAA") in accordance with AAA's rules and procedures, including the AAA's Consumer Arbitration Rules available at https://www.adr.org/sites/default/files/document_repository/Consumer_Rules_Web_0.pdf. If there is any inconsistency between the AAA rules and this Arbitration Provision, the terms of this Arbitration Provision will control unless the arbitrator determines that the application of the inconsistent Arbitration Provision terms would result in a fundamentally unfair arbitration.

To commence arbitration, you must complete a short form, submit it to the AAA, and send a copy to us, Attn: SLVR & Co., 230 Kings Hwy E., Suite 350, Haddonfield, NJ 08033. For more information, see the AAA's claim filing page, https://www.adr.org/. You may represent yourself in the arbitration or be represented by an attorney or another representative. Once we receive your arbitration claim, we may assert any counterclaims we may have against you.

The arbitration shall be held in Wilmington, Delaware, or at another mutually agreed location.

17. MISCELLANEOUS

There is no agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between you and SLVR or between SLVR and any other user of the Services. If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of any other provision of the Agreement, which shall remain in full force and effect unless such deletion materially frustrates the intent of the parties, in which case this Agreement will terminate.

Our failure to act on or enforce any provision of this Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement. No waiver shall be effective against SLVR unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. This Agreement is not intended to, and does not, give any person who is not a party to it any right to enforce any of its provisions.