Terms & Conditions

Latest Update: January 13, 2023

GENERAL UMIFY.IO TERMS AND CONDITIONS

By accessing or using any services provided on or by Umify.io, you agree to the following terms and conditions. UMIFY PTE. LTD., doing business as Umify.io, is a Singapore-incorporated company ("Umify" or “Umify.io” or “we” or “us”).

It is important you read and understand these General Umify.io Terms and Conditions (“Terms”). These Terms modify all previous General Terms and Conditions and are effective as of January 12, 2023 (“Effective Date”) for all Transactions agreed to and entered by both Freelancer and Client on or after the Effective Date. For Transactions entered prior to the Effective Date and still open, the Terms in existence at the time the Transaction was entered remain in effect.

The Terms are current as of the Effective Date, and subject to change. In the event of a change, we will upload a new version to the Site. You should check the Umify.io website for the latest version of this document before entering a new Transaction.

These Terms apply to the Freelancer, Client, and Broker (each a ”Party” or “Underlying Party,” and collectively ”Parties” or “Underlying Parties”) involved in any Transaction. References to “you” and “your” in the terms apply to you or the organization you represent in connection with an Underlying Transaction (as defined below) as the Freelancer, the Client, and/or the Broker as the context requires. The Underlying Parties engage Umify.io to act as an agent pursuant to these Terms and further agree to the entirety of the Umify.io Terms of Service.

1. AGREEMENT TO CONDUCT TRANSACTION BY ELECTRONIC MEANS. BY REGISTERING FOR AND PARTICIPATING IN THE SERVICES (AS DEFINED BELOW), THE UNDERLYING PARTIES AGREE WITH UMIFY.IO TO CONDUCT THE TRANSACTION.

2. Definitions and Interpretation.

Any capitalized term not otherwise defined elsewhere in the Umify.io Terms of Service shall have the definition and interpretation set forth below:
1. “Account” means an Umify.io account of a Client, Freelancer, or Broker to which payments will be credited and from which payments will be debited.
2. “Affiliate” means an entity that is, directly or indirectly, through one or more intermediaries, controlling, controlled by, or under common control with Umify.io. Affiliate also includes third parties engaged by Umify.
3. “Applicable Law” refers to all laws, regulations, payment network rules, and automated clearinghouse rules applicable to the services provided under the Umify.io Terms of Service, as well as all orders, judgments, or written directives of any court or governmental entity with authority over the Parties, services, or transactions subject to the Umify.io Terms of Service.
4. “Arbitration Commencement Period” means the fourteen (14) calendar day period commencing at the conclusion of the Negotiation Period.
5. “Broker” means a person or entity offering to broker personal property or services for sale through the Site.
6. “Business Day” means Monday through Friday between the hours of 9:00 a.m. and 2:00 p.m., other than legal holidays in Singapore observed by Umify.io.
7. “Client” means a person or entity desiring to purchase services or Merchandise from a Freelancer by use of the Site.
8. “Client Inspection Period” means the Inspection Period applicable to Client as specified herein.
9. “Close of Escrow” means consummation of the Transaction.
10. “Dispute Date” means the date of: (A) Freelancer’s rejection of the Client’s Rejection or decision to withhold payment; (B) Umify.io’s rejection of the Client’s Rejection or decision to withhold payment on behalf of the Freelancer; or (C) the notification by a Party to another Party of any dispute, claim, disagreement, or breach related to these Terms or a Transaction.
11. “Fees” means the fees due to Umify.io for the Services.
12. “Funds” means funds held in escrow with Umify.io.
13. “Instructions” means the entire set of instructions, terms, conditions, and details governing a Transaction, comprised of: (i) the General Instructions, applicable to all Transactions; (ii) the Transaction Instructions, agreed to by the Underlying Parties when arranging an Underlying Transaction; and (iii) any Supplemental Instructions subsequently agreed to by the Parties.
14. “Escrowed Property“ means Escrowed Funds or other items held in escrow by Umify.io.
15. “Escrow Services” means the transaction management and escrow services provided by Umify.io, including the holding of Escrowed Funds or Escrowed Property.
16. “Transaction” means the portion of a transaction involving Escrow Services provided by Umify.io, which may include the holding and release of Escrowed Funds or Escrowed Property in accordance with the Instructions and these Terms.
17. “General Instructions” means the instructions and terms published on the Site applicable to all Transactions.
18. “Inspection Period” means the period by which Client must inspect the services rendered by the Freelancer.
19. “Merchandise” means any item of tangible (capable of being physically touched or precisely identified) goods or property transacted on Umify.io. This term also includes certain intangible goods or property such as domain names, pre-written computer software, source codes, intellectual property, and any other property as approved by Umify.io in its sole discretion.
20. “Milestone Transaction” means the transactions relating to services provided by a Freelancer.
21. “Negotiation Period” means fourteen (14) calendar days beginning with the Dispute Date.
22. “Parties” means Umify.io and the Underlying Parties.
23. “Personal Property” means any movable thing or intangible item of value that is capable of being owned by a natural individual or a legal entity and not recognized as real property.
24. “Prohibited Transaction” means any transaction or attempted transaction described in Section 5 of these Terms below.
25. “Freelancer” means a person or entity offering property or services for sale as permitted under the Umify.io Terms of Service and desiring to use the Site to close the sale.
26. “Freelancer Inspection Period” means the Inspection Period applicable to Freelancer as specified herein.
27. “Freelancer Services” means those services offered for sale by a Freelancer including physical labor or activity, artistic labor or activity, consultation or advice services, a system for providing services such as transportation, communications, utilities and doing work and providing something of value other than a physical tangible product.
28. “Rejection” or “Reject” means: (A) Client’s decision to withhold payment release after the Inspection Period has expired, or (B) Client’s decision to inform the Freelancer or Umify in writing that the Client has rejected the services rendered.
29. “Acceptance” or “Accept” means the Client’s acceptance of the services rendered by the Freelancer through the act of releasing payment.
30. “Site” means Umify.io’s website at www.umify.io.
31. “Supplemental Instructions” or “Supplemental Terms” means any instruction, condition, or term agreed to by the Underlying Parties after Client and Freelancer (and Broker when applicable) all complete the initial Transaction Instructions to govern an Underlying Transaction. This term includes new supplemental instructions or conditions, modifications or amendments to the initial Transaction Instructions, and changes to the Transaction Detail Screens. Supplemental Instructions or Terms must be agreed to in writing and signed by all parties (Client, Freelancer, Umify.io and Broker when applicable).
32. “Transaction Detail Screens” means the screens on the Site containing the details of the Underlying Transaction provided by the Underlying Parties.
33. “Transaction Instructions” means the terms, conditions, and other provisions relating to a specific Underlying Transaction or Transaction, as agreed to by the Underlying Parties on the Transaction Detail Screens.
34. “Underlying Parties” means Client, Freelancer and Broker (if applicable).
35. “Underlying Transaction” means the underlying transaction between or among Client, Freelancer and Broker (if applicable) for the sale of Merchandise or Freelancer Services, for which the Underlying Parties engage Umify.io for the provision of Escrow Services.
36. “User“ means one of the Underlying Parties using the Site in connection with an actual or proposed Underlying Transaction.
The following rules of interpretation apply:
1. References to “discretion” mean Umify.io’s sole and absolute discretion.
2. References to “consent” mean a Party’s prior written consent, which in the case of Umify.io may be given or withheld in its discretion.
3. References to “including” mean “including but not limited to”.
4. References to the singular include the plural and vice versa as the context may require.
5. References to the time of day means Singapore Standard Time.
6. References to Client and Freelancer include the Broker if a Broker is expressly authorized by a Freelancer or Client to act on behalf of and bind the applicable Client or Freelancer.
7. References to currency is to the currency expressly accepted by all relevant Parties from time to time.
8. References to “days” means Business Day unless otherwise indicated.
9. Reference to “good faith” means honesty in fact in the conduct concerned, measured subjectively.
10. All communications relating to an Underlying Transaction or Transaction shall be in English.

3. Description of the Escrow Service. The Escrow Services are Internet-based transaction management services performed by Umify.io as escrow agent on behalf of a Client and Freelancer in connection with a transaction for the sale of property or services. Escrow Services are intended to facilitate the completion of the Underlying Transaction in accordance with the Umify.io Terms of Service. Although one or more of the Underlying Parties and the Escrowed Property or Merchandise may be a citizen of and/or physically located in a location, venue or jurisdiction other than Singapore, the Underlying Parties all represent and agree that the Transaction and Escrow Services are being coordinated and taking place in Singapore.

4. Limits on the Escrow Services. The Escrow Services are only available for lawful Merchandise, Freelancer Services, and Underlying Transactions. Umify.io, in its sole discretion, may decline or prohibit an Underlying Transaction. Additionally, limitations on the Escrow Services may apply and can be found on the Site or elsewhere in the Umify.io Terms of Service. Only registered Users may use the Escrow Services. To register, you must supply all information required on the Site. Applicable Laws may further limit the Escrow Services.

5. Prohibited Transactions. Users shall not use or attempt to use the Site or the Escrow Services in connection with any Underlying Transaction that:

is illegal or involves any illegal items, or is for any illegal purpose;
involves any obscene material;
involves any munitions or firearms;
involves pirated software, DVD or videos or item(s) otherwise infringing copyrighted works;
involves illegal drugs, controlled substances, alcohol or tobacco products;
involves the sale or transfer of liquor licenses, fund or joint control escrows, the refinancing of either reservation deposits of any kind, or promissory notes, mortgages or deeds of trust;
is primarily for the purpose of exchanging currencies, including digital currencies;
involves transactions directly or indirectly involving persons (individuals or entities) with whom U.S. or other persons are prohibited from engaging pursuant to sanctions and export controls administered by the Departments of Treasury, Commerce and State;
involves transactions directly or indirectly involving persons (individuals or entities) with whom U.S. or other persons are prohibited from engaging pursuant to Applicable Laws.

In addition, Umify.io, in its sole discretion, may refuse to complete any Underlying Transaction that Umify.io has reason to believe may be unauthorized or made by someone other than you, or may violate any Applicable Law or the Umify.io Terms of Service. Each User agrees to indemnify and hold harmless Umify.io and its employees, officers, directors and agents for losses, including attorney fees and costs, resulting from any use or attempted use of the Escrow Services in violation of the Umify.io Terms of Service, including but not limited to any use or attempted use of the Escrow Services for a Prohibited Transaction.

6. Rejection of Payment. Since the use of a bank account, credit card or debit card account, or the making of an electronic funds transfer may be limited by your agreement with your financial institution and/or by applicable law, Umify.io is not liable to any User if Umify.io does not complete a Transaction or any act relating thereto, as a result of any such limit, or if a financial institution fails to honor any credit or debit to or from an Account. Umify.io may post operating rules or terms and conditions related to payment on the Site and change such rules from time to time.

7. General Conditions of Use. If you arrive at the Site through entities linked and/or integrated with Umify.io or otherwise by or through a third party (e.g., an auction, exchange, or Internet-based intermediary that hosts electronic marketplaces and mediates transactions among businesses), then you authorize such third party to transfer relevant data to Umify.io to facilitate the Transaction. You represent and warrant that all information you provide to Umify.io or to such third party will be true, accurate and complete. You further understand and agree that you are obligated to provide timely updates to Umify.io if there are any material changes to such information prior to the completion of a Transaction. The party entering into these Terms on behalf of any User represents and warrants that he/she is authorized to do so and to bind the User and is a natural person of at least eighteen (18) years of age and, if the User is represented to be a business entity, trust or other legal entity or organization, the User represents and warrants that such User is legally existing and in good standing, and is recognized as such by the governing authority at the address registered by the User on our Site. To initiate and commence a Transaction or use the Escrow Services, a User must register for an Account on our Site. You must complete the Escrow Services application form and submit it by following the instructions on the Site.

Upon completion and receipt of the service application and related forms, including the acceptance of the Umify.io Terms of Service, we will accept or reject your application at our discretion.

8. Obligations of Freelancers. On the Transaction Detail Screens, each Freelancer to an Underlying Transaction must designate an Account to which payment for the Transaction will be made. Each Freelancer authorizes Umify.io and its authorized representatives and service providers to initiate credit entries to such Freelancer's Account for payment of the purchase price, or applicable balance due, and to debit Freelancer's Account to discharge Freelancer's obligations. Each Freelancer in an Underlying Transaction shall deliver the items set forth in Transaction Detail Screens directly to the Client (or Clients), at the address specified by such Client as shown on the Site and set forth in the Transaction Instructions and Supplemental Instructions. Freelancer shall use a delivery service that provides a confirmation of delivery and Freelancer shall provide Umify.io with a tracking or reference number for the shipment of the goods. Freelancer gives Umify.io permission to act as its agent in communicating with the shipping company regarding the notice of the delivery of the goods. Freelancer must provide or cause notice to be sent to Umify.io when Freelancer ships the Merchandise. In the event Umify.io does not receive notice of shipment from Freelancer within ten (10) calendar days after Freelancer is required to ship the Merchandise, Freelancer authorizes Umify.io to return the Escrowed Funds (excluding Umify.io fees) to Client. In the event of a return of the Merchandise by Client, Freelancer shall notify Umify.io of the receipt of the returned items. Upon Umify.io’s receipt of the notice of returned Merchandise from Freelancer, the Freelancer's five (5) day inspection period shall commence. In the event Freelancer accepts the returned Merchandise within the inspection period or fails to act within the inspection period, Umify.io shall remit the Escrowed Funds (excluding Umify.io fees) to Client. If Freelancer notifies Umify.io of its non-acceptance of any returned Merchandise within the Freelancer's inspection period, then Umify.io will retain the Escrow Funds pending resolution of the dispute or take other action as authorized or as required by Applicable Law. Notwithstanding anything to the contrary above, if all Underlying Parties to an Underlying Transaction agree on the Transaction Detail Screens that there is no shipping required, then no party hereto will have any obligation under these Terms with respect to shipping.

9. Obligations of Clients. On the Transaction Detail Screens, Client must designate a payment mechanism and an Account from which the purchase price and related fees (unless such fees are to be paid by Freelancer) will be obtained for the deposit into escrow. Depending on the amount of the Underlying Transaction and the currency selected for the Underlying Transaction, Client may remit the necessary funds via various methods, which may include credit card, charge card, debit card or purchasing card, check (cheque), cashier's check, money order, or wire transfer. In the case of wire transfers, Client will initiate the wire to an account designated by Umify.io on or before the date set forth in the Transaction Detail Screens. Regardless of the payment method, Client authorizes Umify.io and its authorized representatives and service providers to initiate credit or debit transactions, as applicable, to obtain the purchase price and fees due for an Underlying Transaction and to initiate any debit or credit entries or reversals, as the case may be, as may be necessary to correct any error in a payment or transfer and to discharge Client's obligations under the Umify.io Terms of Service. Umify.io will deposit funds received from Client into an escrow trust account maintained by Umify.io or its Affiliates (the "Escrow Account"). Unless otherwise requested as specified in the following sentence, escrowed deposits do not earn interest for Client or Freelancer. Client shall notify Umify.io of the receipt or non-receipt of the items on the date the merchandise is received, or the Client Inspection Period is started. Client shall notify Umify.io of the Client's acceptance or rejection of the items before the Client's Inspection Period expires. Upon receipt of notice from Client that the items have been received and accepted, Umify.io shall transfer the payment amount (less any amount payable to Umify.io for Umify.io fees) to Freelancer's Account. Transfer to a Freelancer generally will be initiated within the next business day from the day on which notice of acceptance of the Merchandise or Freelancer Services is received from the Client. If Client has not notified Umify.io of the non-receipt or rejection of the items during the Client's Inspection Period, then Client authorizes Umify.io to remit the Escrowed Funds (excluding Umify.io fees) to the Freelancer. Client shall follow the procedures set forth on the Site in the event the items are rejected.

10. Obligations of Brokers. Each Broker must register on the Site. On the Transaction Detail Screens, each Broker to a Transaction must designate a payment mechanism and an Account to which the Broker Fee payment will be made. Each Broker authorizes Umify.io and its authorized representatives and service providers to initiate credit entries to such Broker's Account for payment of the Broker's commission, and to debit Broker's payment mechanism or account to discharge Broker's obligations. Each Broker in a Transaction shall provide Client email, Freelancer email, and Underlying Transaction details including purchase price, Merchandise or Freelancer Services description, inspection period and which party is responsible for the Broker and Escrow fees. If you are a Broker, you represent and warrant that you are properly authorized by all Underlying Parties to act as a Broker with respect to each Underlying Transaction. Umify.io has the right, at its discretion, to verify that each Broker is properly authorized by the Underlying Parties, but is under no obligation to do so and You hereby agree that you may not rely on Umify.io to verify that a Broker is fully authorized.

11. Our Responsibilities. Umify.io is obligated to perform only those duties expressly described in the Umify.io Terms of Service. Umify.io shall not be liable for any error in judgment, for any act taken or not taken, or for any mistake of fact or law, except for gross negligence or willful misconduct (subject to the limitations below). Umify.io may rely upon any notice, demand, request, letter, certificate, agreement, or any other document which purports to have been transmitted or signed by or on behalf of a User indicated as the sender or signatory thereof and shall have no duty to make any inquiry or investigation. Umify.io is not expected to verify or guarantee representations by Client, Freelancer, Broker or their respective affiliates or representatives and will not and does not verify authenticity, ownership, right of possession, title or other legal right to Escrowed Property or Merchandise. In the event that Umify.io is uncertain as to Umify.io duties or rights under the Umify.io Terms of Service, receives any instruction, demand or notice from any User or financial institution which, in Umify.io's opinion, is in conflict with any of the provisions of the Umify.io Terms of Service, or any dispute arises with respect to the Umify.io Terms of Service or the Escrowed Funds, Umify.io may (i) consult with counsel of our choice (including, but not limited to our own attorneys) and any actions taken or not taken based upon advice of counsel shall be deemed consented to by ou, or (ii) refrain from taking any action other than to retain the funds in escrow for delivery in accordance with the written agreement of the Users, the final decision or award of an arbitrator pursuant to an arbitration commenced and conducted in accordance with these Terms or a final, non-appealable judgment of a court of competent jurisdiction, (iii) discharge our duties under these Terms by depositing all funds by interpleader action with a court of competent jurisdiction in accordance with the procedures outlined elsewhere in the Umify.io Terms of Service, or (iv) escheat the funds in accordance with Applicable Law or take other actions in accordance with Applicable Law.

12. Resignation. Umify.io may, at any time, give notice of Umify.io's intent to resign as Escrow agent. If, within ten (10) days of such notice, Umify.io has not received notice from all Parties in an Underlying Transaction that they have designated a substitute escrow agent (which notice shall identify the substitute escrow agent), Umify.io may discharge Umify.io duties under these Terms by depositing all escrowed funds with a court of competent jurisdiction. If an alternate Escrow agent is so designated, Umify.io shall be discharged from Umify.io duties under the Umify.io Terms of Service by delivering all Escrowed Funds to such person or entity. Upon payment of the Escrowed Funds pursuant to these Terms, Umify.io shall be fully released from all liability and obligations with respect to the Escrow Funds and the Transaction.

13. Canceling a Transaction. If an Underlying Transaction cannot be completed for any reason, including cancellation by Umify.io for any reason, Umify.io will notify each Party in such Underlying Transaction by email, to the email address each has provided to Umify.io. In Umify.io's sole discretion, Umify.io may cancel any Underlying Transaction if each Party to an Underlying Transaction fails to agree on the terms as required in the Transaction Details Screens by clicking the "Agree" button as requested on the Site. You may cancel an Underlying Transaction as provided in the Umify.io Terms of Service.

14. Statements Verification. You agree that all disclosures and communications regarding these Terms and the Escrow Service shall be made by email or on the Site, unless the Parties make other arrangements as set forth elsewhere in the Umify.io Terms of Service. You understand and agree that Umify.io may request additional information from you at any time, for verification, authentication, or other business purpose.

15. Digital Identification. You understand and agree that Umify.io will create, issue, and verify a digital identification (a "Digital ID") for each User. This Digital ID is attached to each accepted electronic document and notification emails. You agree that your Digital ID is a valid "Electronic Signature."

16. Fees. Unless otherwise agreed upon by each User in the Transaction, Client agrees to pay the fees for the Services that are disclosed on the Site at the time the completed Transaction Instructions are agreed to by all such Users, as well as any other fees, including, without limitation, third party service fees (e.g., shipping, appraisal, inspection, etc.). Once paid, Umify.io fees are nonrefundable. Umify.io fees may change from time to time in Umify.io's absolute and sole discretion. Umify.io is not responsible for payment of any sales, use, personal property or other governmental tax or levy imposed on any items purchased or sold through the Services or otherwise arising from the Transaction.

17. Taxes. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process.

18. Invoices. Umify.io may issue invoices to the relevant party for its fees, however Umify.io has no responsibility nor is it able to provide any invoice for underlying personal property or Services transactions. Invoices for underlying transactions are to be obtained from the Freelancer.

19. Security. Umify.io uses secure sockets layer ("SSL"), a security protocol that provides data encryption, server authentication, and message integrity for connections to the Internet designed to protect the data you provide Umify.io. Umify.io has also implemented a security system requiring a Google Account sign-in to access your transactions on the Site. You agree not to give your Google Account sign-in details to any other person or entity and to protect it from being used or discovered by anyone else.

20. Acknowledgement of Risk. You expressly agree that your use of the Services is at your sole risk. The Escrow Services are provided on a strictly "as is" and "as available" basis.

21. Disclaimers.

UMIFY.IO MAKES NO WARRANTY WITH REGARD TO THE UNDERLYING TRANSACTION, ANY ITEMS OBTAINED BY YOU THROUGH THE USE OF THE SITE OR THE SERVICES, THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED, TIMELY, OR ERROR FREE. UMIFY.IO MAKES NO WARRANTY THAT ITS SECURITY CANNOT BE BREACHED.
UMIFY.IO EXPRESSLY DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. UMIFY.IO SHALL NOT BE LIABLE OR RESPONSIBLE FOR THOSE GUARANTEES, WARRANTIES, AND REPRESENTATIONS, IF ANY, OFFERED BY ANY FREELANCER OF ITEMS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM UMIFY.IO OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

22. No Third-Party Endorsement or Liability from Acts of Third-Party. You acknowledge and agree that Umify.io does not endorse the website of any third party (including any partner marketplace) or assume responsibility or liability for the accuracy of any material contained therein, or any infringement of third-party intellectual property rights arising therefrom, or any fraud or other crime facilitated thereby and that you have not entered into any Underlying Transaction or agreed to the Umify.io Terms of Service based on Umify.io’s association with any third-party. In no event will Umify.io be liable for any act or omission of any third-party, including, but not limited to, your financial institution, any payment system, any third-party service provider, any provider of telecommunications services, internet access or computer equipment or software, any mail or delivery service or any payment or clearing house system or for any circumstances beyond Umify.io's control (including but not limited to, fire, flood or other natural disaster, war, riot, strike, terrorism, act of civil or military authority, equipment failure, computer virus, infiltration or hacking by a third-party, or failure or interruption of electrical, telecommunications or other utility services).

23. Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, UMIFY.IO ON BEHALF OF ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, LICENSORS AND SERVICE PROVIDERS, EXCLUDE AND DISCLAIM LIABILITY FOR ANY LOSSES AND EXPENSES OF ANY KIND AND SHALL NOT BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL, RELATING TO YOUR USE OF THE SITE OR THE SERVICES OR YOUR INABILITY TO USE THE SITE OR THE SERVICES AND DISCLAIM LIABILITY FOR ANY LOSSES AND EXPENSES OF DIRECT, INDIRECT, GENERAL, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, LOSS OF INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, CLAIMS OF ALL THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES ARISING OUT OR IN CONNECTION WITH THE USE OF THE SITE(S) OR ANY WEBSITE WITH WHICH THEY ARE LINKED AND YOU SO AGREE TO SUCH EXCLUSION. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE) STRICT LIABILITY OR ANY OTHER LEGAL, CONTRACTUAL, STATUTORY, REGULATORY OR EQUITABLE BASIS TO THE GREATEST EXTENT AUTHORIZED BY LAW. FOR THE AVOIDANCE OF DOUBT, UMIFY.IO WILL NOT BE LIABLE FOR ANY LOSS, DAMAGE, COSTS, OR EXPENSES INCURRED, OR SUFFERED BY A PARTY AS A RESULT OF THE FREELANCER, CLIENT, BROKER OR AN AUTHORISED USER’S ACCESS OR USE OF OUR SERVICES OR INABILITY TO ACCESS OR USE OUR SERVICE, EXCEPT TO THE EXTENT CAUSED BY OUR GROSS NEGLIGENCE OR WILFUL MISCONDUCT. UMIFY.IO IS NOT LIABLE IN ANY WAY FOR ACTING IN ACCORDANCE WITH OR RELYING ON ANY INSTRUCTION, NOTICE OR DEMAND OR DOCUMENT FROM A PARTY OR PARTY’S AGENT ON THE PARTY’S BEHALF. UMIFY.IO IS NOT LIABLE FOR ANY MATTER RELATING TO A DISPUTE BETWEEN THE FREELANCER AND CLIENT IN RESPECT TO AN AGREEMENT BETWEEN THE FREELANCER AND THE CLIENT. EACH OF CLIENT, FREELANCER AND BROKER CONSENT TO THESE LIMITATIONS OF LIABILITY.

24. Termination of Services. Umify.io may suspend or terminate your use of the Site or Escrow Services at any time, without notice, for any reason, in Umify.io's sole discretion. Umify.io will attempt to provide you with prior notice of the suspension or termination of your Account or the Escrow Services by sending you an email, but Umify.io is not obligated to do so, and may not do so where there is a risk to the security, privacy or integrity of the Escrow Services. You shall remain liable for all Transactions You initiate through the Site or Escrow Services prior to such termination, and the performance of Your obligations, including but not limited to, the delivery of the Merchandise or Freelancer Services and the payment of all amounts You owe prior to termination or discontinuation of Your use of the Escrow Services. You agree to pay all costs and expenses (including all reasonable attorneys' fees) that Umify.io may incur in order to (a) collect any amounts you owe under the Umify.io Terms of Service or (b) to initiate an arbitration or judicial proceeding to resolve a dispute between Client and Freelancer, as set forth in these Terms.

25. Non-Transferability of the Services by You. You may not assign the Umify.io Terms of Service (including, specifically, the Transaction Instructions and Supplemental Instructions) to any other person or entity except to the extent required by Applicable Law. Your right to use the Escrow Services shall not be sold or transferred to any other person or entity without the prior written consent of Umify.io. Any purported assignment or transfer by you without our prior written consent in violation of this provision shall be null and void.

26. Modifications. Umify.io reserves the right to change any portion of these Terms, at any time, without prior notice, provided that no such change will apply to an Underlying Transaction once the Underlying Parties to such Underlying Transaction have agreed to the Transaction Instructions. You understand that the most recent version of these Terms will be located on the Site.

27. Notices. Notices from Umify.io to you will be given by email, or by general posting on the Site. You may contact Umify.io by filling out the customer support form or such other email address Umify.io posts as its address for notice on the Site in the most recent version of the Terms.

28. Miscellaneous. In the event of any dispute, claim, breach, or disagreement arising from or relating to the Umify.io Terms of Service or to an Underlying Transaction, you agree to resolve such dispute in the manner set forth in these Terms. The Umify.io Terms of Service shall be governed by the laws of Singapore. Any dispute shall be resolved pursuant to the Dispute Resolution and Governing Law/Venue provisions of these Terms. The Umify.io Terms of Service constitute the entire agreement between Umify.io and You relating to the subject matter hereof and supersedes all prior or contemporaneous understandings, agreements, communications and/or advertising with respect to such subject matter.

29. Assignment. Umify.io may assign these Terms to any current or future affiliated company and to any successor in interest. Umify.io also may delegate certain Umify.io rights and responsibilities under these Terms to third-parties.

30. Escrow Instructions. Once the Client and Freelancer (and Broker when applicable) have agreed to identical Transaction Detail Screens for a specific underlying Transaction, both Client and Freelancer (and Broker when applicable) have agreed to the Transaction Instructions and these Terms by access Umify.io’s website, creating a Transaction, OR agreeing to the Transaction, these instructions shall constitute a binding agreement between all parties. Should it become necessary to add a supplemental instruction(s), or to make any addition to, deletion from, or alteration to the Transaction Detail Screens, all parties (Client, Freelancer, Umify.io, and Broker when applicable) must execute any supplemental instruction, addition, deletion or alteration thereto (collectively the "Supplemental Instructions”). Umify.io reserves the right to reject any Supplemental Instructions and to terminate the Transaction as provided herein. The Parties to the Underlying Transaction hereby agree to conduct the Transaction electronically. The Underlying Parties acknowledge that by entering the Transaction Instructions, they are able to electronically receive the Transaction Instructions, download the Transaction Instructions and print the Transaction Instructions. The Parties agree that all instructions must be written and that the Underlying Parties and Umify.io are not obligated to follow or rely on any verbal or oral statements or instructions.

31. General Description of Services.

The Underlying Parties may enter an Underlying Transaction for the sale and purchase of many different types of personal property, goods, or items (“Merchandise”), excluding those prohibited in these Terms or by Umify.io. The Underlying Parties may also enter an Underlying Transaction for the provision of services (“Freelancer Services”), excluding those prohibited in these Terms or by Umify.io.
The Underlying Parties shall each log onto the Site daily to confirm the status of the Transaction. The status of any Transaction can only be confirmed by the Underlying Parties by logging into the Site. The accuracy of automated messages sent by Umify.io must be confirmed by the Underlying Party by logging into the Site to check the status of the Transaction. Except as otherwise required by Applicable Law, the Underlying Parties may not rely on verbal or written advice from Umify.io staff concerning the status of any Transaction.
A Client and Freelancer may complete a Transaction with or without a Broker. When a Broker is involved, additional instructions specified below shall apply. A Broker shall become an Underlying Party only if the Broker is identified for the Transaction. Other brokers have no rights hereunder, and Client and Freelancer have the sole responsibility for financial arrangements with such brokers.

32. Shipping and Tracking of Purchased Items.

Upon receiving Client’s cleared funds, and where the Merchandise is a physical item, Umify.io will email Freelancer to ship the Merchandise, where appropriate, which will require Freelancer to log on to the Site to confirm secured funds, unless all Parties agree to a different method of notification. Upon Freelancer’s verification, Freelancer shall ship the Merchandise to Client based upon information provided in the Client’s profile or as otherwise provided in the Transaction Instructions, and Freelancer shall have the Merchandise insured for full value to Client. The Underlying Parties shall choose a shipping method that provides online tracking information. Freelancer will be responsible for all shipping damage if insurance is not available to cover the damage. Freelancer shall complete and submit the shipping information to the Site on the same day on which the Merchandise is placed in the carrier’s possession, confirmation of which shall be emailed to all Parties, unless they agree to a different method of notification.
The Client Inspection Period (as agreed to on the Transaction Detail Screens) shall be calculated in calendar days and shall commence upon the first to occur of either:
1. Client’s acknowledgment of receipt of services or Merchandise; or
2. the Site’s receipt of verification of delivery to Client via proof of delivery from the Freelancer.
Unless the Underlying Parties agree otherwise, Client is responsible for any duties, customs fees or other charges resulting from an international Transaction, which shall be included in the purchase price. The shipping Party shall properly declare the Merchandise and its value for customs procedures.
The Freelancer agrees to cooperate with and follow all additional instructions provided by Umify.io to ship the Merchandise, not ship the Merchandise, or request return of the Merchandise, as directed by Umify.io.

33. Client's Acceptance; Disbursement of Funds.

During the Client Inspection Period, Client must either “Accept” or “Reject” the services rendered or the Merchandise.
Umify.io will disburse the Escrowed Funds as follows:
1. If Transaction Escrow Terms reflect that Client has agreed to pay for shipping and/or any portion of the Escrow Fees, then those costs shall be collected as Client’s funds and remitted with the purchase price. At Close of Escrow, Umify.io will pay Freelancer, from the Escrowed Funds, the purchase price and shipping fee itemized in the Transaction, less any payment for shipping fees (unless Freelancer has agreed to pay for shipping) and will disburse the Escrow Fees to Umify.io.
2. If the Transaction Escrow Terms reflect that Freelancer has agreed to pay for shipping and/or any portion of the Escrow Fees, then at Close of Escrow, Umify.io will pay to Freelancer from the Escrowed Funds the purchase amount, less any fees due to Umify.io, and less any other fees the Freelancer is obligated to pay (such as broker’s fees). Shipping fees will be deemed paid outside of the Transaction.
If a Client Inspection Period ends without Client’s involvement, Umify.io at its sole discretion may provide Client notice regarding the ending of the Inspection Period within 24 hours. Umify.io is under no obligation to provide such 24-hour notice and shall not be liable if such notice is not provided. It is always the Client’s ultimate responsibility to login to the Client’s Account in the Umify.io system and check the status of their transaction.
Where a Client uses the Escrow Services through a partner marketplace, then the Client must click the accept or reject button for the Transaction on that partner marketplace and follow all instructions from Umify.io in relation to the Transaction.

34. Client Rejection Process.

Client is responsible for all Escrow Fees if the Transaction is canceled. During the Client Inspection Period, Client may reject for any reason by submitting an email to hello@umify.io along with the reason for rejection and withholding the payment release until after the Inspection Period has passed. Upon such rejection, Umify.io will email Freelancer concerning Client’s ejection. Client shall promptly return the rejected Merchandise to Freelancer within 10 calendar days after receiving notice of the rejection, and shall insure, at Client’s expense, the returned Merchandise’s value during shipment to the place designated in Freelancer’s profile. Client shall be responsible for shipping the rejected Merchandise at Client’s expense (unless otherwise agreed by the Parties). For the avoidance of doubt, it is the Freelancer’s responsibility to notify Umify.io of any change of address as soon as possible. If Freelancer does not advise Umify.io of Freelancer’s change of address in writing at least 48 hours prior to a rejection of Merchandise under this Section, Freelancer agrees that Freelancer’s last known address as contained in the records of Umify.io will be Freelancer’s current address for the purposes of this Section. Freelancer must reasonably cooperate to allow the opportunity for Client to return the rejected Merchandise if Client timely rejects the Merchandise. Freelancer agrees it will not take steps to avoid the return of rejected Merchandise. Client will be responsible for all shipping damage if insurance is not available for any reason to cover such damage. Client is aware that the Merchandise must be rejected in the manner described in these Terms to obtain a refund.
If Client rejects Merchandise in violation of these Terms or any other terms of acceptance and rejection applicable to the Underlying Transaction, Freelancer shall not be prohibited by these Terms from pursuing any available right or remedy against Client available under Applicable Law.
Client acknowledges and agrees that regardless of the reason for rejection, Client must return the rejected Merchandise to Freelancer for Escrowed Funds to be returned to Client. If Client fails to return the rejected Merchandise in accordance with these Terms within the specified time-period, Umify.io is hereby authorized to pay Freelancer the Escrowed Funds, minus the Escrow Fees.
If the Underlying Transaction involves a domain name and Client rejects the domain name within the Client Inspection Period, unless the domain name is being held by Umify.io pursuant to a written agreement, Client must cause return of the domain name to Freelancer within 10 calendar days of Client’s rejection. If Client fails to cause return of the domain name timely, Umify.io is hereby authorized to pay Freelancer the Escrowed Funds minus the Escrow Fees. Freelancer shall cooperate in the return process of the domain name. In the event the domain name transfer to Client has caused the Internet Corporation for Assigned Names and Numbers (ICANN) to impose a registrar lock, Freelancer will open an account at the receiving registrar to take possession of the domain name or the Escrowed Funds will continue to be held in escrow until this period expires and the domain name can be returned to Freelancer’s registrar.
Notwithstanding anything to the contrary herein, for Underlying Transactions involving IPv4 Numbers, Client may reject the IPv4 Numbers only if the Whois records of the recipient RIR do not reflect Client or its designee as the registrant of the IPv4 Numbers (as confirmed by Umify.io), in which case Client’s rejection shall be deemed Client’s automatic return of the IPv4 Numbers to Freelancer. If, in such event, Freelancer accepts the return of the IPv4 Numbers (as further described below with respect to IPv4 Numbers), Umify.io shall refund the Escrowed Funds to Client, minus the Escrow Fees.

35. Authentication Services

The following additional terms apply to Transactions that are referred to Umify.io from an external online marketplace where that marketplace applies an authentication service to Merchandise that is subject of a Transaction.
Where Merchandise subject to an Umify.io Transaction is purchased through an external marketplace, and where Umify.io is used as a method of payment, the Underlying Parties will be bound by the Merchandise authentication rules and procedures of that external marketplace, when completing the Umify.io Transaction.
The relationship between the Underlying Parties and the referring external marketplace and Merchandise authentication service is independent of the relationship between the Underlying Parties and Umify.io where it concerns the Umify.io Transaction. In no circumstances will Umify.io be liable for any loss suffered by the Underlying Parties resulting from the Underlying Parties’ engagement with an external marketplace or merchandise authentication service.
When an external marketplace has a merchandise authentication service and the Underlying Parties engage with that authentication service, the progress of the Umify.io Transaction may be determined in part by the outcome of that authentication service. When the Underlying Parties engage with an external Merchandise authentication service, the following will generally apply:
1. When the authentication service and external marketplace determine that the Merchandise that is the subject of the Transaction is unauthentic or when authentication is unsuccessful, it is the responsibility of the Underlying Parties to engage with the authentication service and external marketplace to ensure the Merchandise is returned to the Freelancer.
2. When the authentication service and external marketplace determine that the Merchandise subject of the Umify.io Transaction is authentic or when authentication is successful, it is the responsibility of the Underlying Parties to engage with the authentication service and external marketplace to ensure the Merchandise is received by the Client. A determination made that the Merchandise is authentic or that authentication is successful will not affect the Client Inspection Period, and Client may reject the Merchandise for any reason by clicking the “Reject” button and following all other instructions on the Site for rejecting the Merchandise.
When Client rejects the Merchandise and the external marketplace and authentication service require re-authentication of the Merchandise before it can be returned to the Freelancer, the Client must follow all instructions from the external marketplace and authentication service as to where to return the Merchandise for re-authentication. The Client must not return the Merchandise directly to the Freelancer when the external marketplace and authentication service require the Merchandise to be re-authenticated prior to the rejected Merchandise being returned to the Freelancer. When Umify.io receives confirmation from the external marketplace that the rejected Merchandise has been successfully re-authenticated and returned to the Freelancer, Umify.io will return funds to the Client in accordance with Applicable Law.
In any event, the maximum number of times the authentication process can occur will be determined by the external marketplace and Merchandise authentication service, which operate independently of Umify.io.
The Underlying Parties authorize Umify.io to rely on information it receives from the external marketplace and authentication service regarding the authenticity and location of the Merchandise, in deciding when to release funds to the Freelancer or return funds to the Client, to the extent permitted by Applicable Law.
The Underlying Parties agree that when Merchandise is transacted through an external marketplace using Umify.io as the payment method, Umify.io will rely on information it receives directly from that external marketplace when deciding the status of an Umify.io Transaction and whether to disburse Escrowed Funds.
When the Underlying Parties use Umify.io in connection with a transaction on an external marketplace and use its authentication service, Umify.io shall in no circumstance be liable for goods that are not returned or in any way damaged or altered in connection with the authentication service or involvement of external marketplace in the Transaction.
When merchandise that is subject of a Transaction is transacted using an external marketplace, and an authentication service is used in connection with that external marketplace, this authentication service is managed and operated exclusively by that external marketplace and not by Umify.io. To the extent permitted by Applicable Law, it is the sole and independent obligation and duty of the Underlying Parties to satisfy any and all obligations to the external internet marketplace and authentication service in connection with the Umify.io Transaction.

36. Shipping and Tracking of Returned Item.

Following rejection of Merchandise in accordance with these Terms, Client shall ship rejected Merchandise to Freelancer at its address designated in Freelancer’s profile.
Immediately upon shipping the rejected Merchandise to Freelancer, Client shall complete and submit the requested shipping information to hello@umify.io or any other channels as communicated by Umify.io. Upon receipt of the shipping information, Umify.io will email Freelancer the name of the carrier and tracking number supplied by Client. If Client effects the return of rejected Merchandise without following the guidelines in these Terms, then in addition to any other remedies that Umify.io or Freelancer may have, Umify.io will not return to Client any of the Escrowed Funds unless and until: (i) Freelancer confirms that the rejected Merchandise has arrived in the same condition in which it was originally sent by Freelancer; or (ii) there is a final Dispute Resolution, as specified in the Dispute Resolution section below, that requires Umify.io to return any Escrowed Funds. Should no shipping be necessary for the return, then Freelancer and Client shall be free of the shipping and tracking obligations.
The Freelancer Inspection Period shall commence upon the submission of an email from Umify to the Freelancer, informing the Freelancer of the Client’s decision to reject the services or merchandise rendered. Freelancer shall have five (5) calendar days following the date on which the Freelancer Inspection Period begins to email hello@umify.io to raise an objection to Umify and initiate a Dispute.

37. Freelancer’s Acceptance or Rejection of Return; Disbursement of Funds.

Freelancer shall have five (5) calendar days following the date on which the Freelancer Inspection Period begins to accept or reject by informing Umify.io through an email submission to hello@umify.io or any other channels as communicated by Umify.io.
During the Freelancer Inspection Period, should Freelancer:
1. fail to accept or reject by informing Umify.io through an email submission to hello@umify.io or any other channels as communicated by Umify.io; or
2. fail to follow all instructions to effectuate the acceptance or rejection of the returned Merchandise, then at the end of the Freelancer Inspection Period, Freelancer shall be deemed to be satisfied with the quality of the returned Merchandise and shall be deemed to have accepted it.
Freelancer may reject the timely return of returned Merchandise only if it is returned in a condition other than the condition when first sent to Client. Should Freelancer reject the Merchandise during the Freelancer Inspection Period, the Underlying Parties shall negotiate during the Negotiation Period. Should they fail to provide a joint instruction during the Negotiation Period to Umify.io, either of the Underlying Parties may institute binding arbitration (“Arbitration”) (in accordance with the Dispute Resolution section below) at any time within fourteen (14) calendar days following the Negotiation Period. If, as of the 15th calendar day following the end of the Negotiation Period, neither of the Underlying Parties has instituted Arbitration with notice to the other Parties, then Freelancer shall be deemed to have waived its rights to a return of all or any portion of the purchase price, the Transaction shall terminate, and Umify.io shall return the Escrowed Funds, less the Escrow Fees, as provided herein.
Upon the first to occur of either: (i) Freelancer’s acceptance of the returned Merchandise; (ii) the end of the Freelancer Inspection Period; or (iii) on the 15th calendar day following the Negotiation Period the failure of either Underlying Party to institute Arbitration and notify all Parties, Umify.io will disburse the Escrowed Funds as follows:
1. If the Transaction Escrow Terms reflect Client’s agreement to pay for shipping and/or any portion of the Escrow Fees, Umify.io will pay Client the purchase price, less these costs, and Umify.io will pay Freelancer for the shipping fee in the amount set forth in the Transaction Escrow Terms, disburse the Escrow Fees to Umify.io and the balance to Client.
2. If the Transaction Escrow Terms reflect Freelancer’s agreement to pay for shipping and/or any portion of the Escrow Fees, then Umify.io shall pay Client the Escrowed Funds, minus the Escrow Fees.
3. If the Underlying Parties agreed that the item will not be shipped to Client prior to the Close of Escrow, then Umify.io will not deduct shipping fees.
Once all costs are paid and funds are disbursed, the Transaction shall be deemed cancelled, with no further obligation due by the Parties under the Transaction Escrow Terms. Umify.io reserves the right and while under no obligation may provide Freelancer up to 48 hours’ notice if an Inspection Period has ended without Freelancer’s involvement.
Notwithstanding anything to the contrary herein, for a Transaction involving IPv4 Numbers, Client’s rejection of IPv4 Numbers still registered to Freelancer in the source RIR’s Whois records shall constitute automatic return of the IPv4 Numbers to Freelancer and the beginning of Freelancer’s Inspection Period. Freelancer may reject the return of the IPv4 Numbers only if Freelancer is able to provide Umify.io (via login to the Site) independently verifiable information that in Umify.io’s absolute discretion indicates that the transfer of IPv4 Numbers from Freelancer to Client has been approved, without express reservation or condition, by the applicable RIR(s) and that the applicable RIR(s) will not agree to rescind the approval or otherwise cancel the transfer. Unless the Underlying Parties otherwise agree to a different joint instruction to Umify.io, upon Umify.io’s confirmation that the recipient Regional Internet Registry (RIR) Whois records reflect Client as the registrant, Umify.io shall close the Transaction and disburse the Escrowed Funds to Client, minus the Escrow Fees.

38. Cancellation.

Once Transaction has been agreed to by both Parties and Escrowed Funds have been deposited, Client may not cancel the Transaction without express written consent from both Parties. Freelancer may request the Transaction be canceled and the Client refunded, less Escrow Fees and any additional charges for currency exchange, at any time until Acceptance of the services or Merchandise. In the event of a cancellation after Escrowed Funds are received, or rejection of the Merchandise, Broker will not receive the commission unless otherwise stipulated in the Transaction Escrow Terms.
If either of the Underlying Parties requests cancellation of a Transaction pursuant to this paragraph, and the request for cancellation is alleged to be in violation of the underlying agreement, Client or Freelancer may pursue any right or remedy against each other (but not Umify.io) available. Any claim against Umify.io or involving the Escrow Services, Escrowed Funds, or Escrowed Property must be made pursuant to the Dispute Resolution process set forth below.

39. Transactions Involving a Broker. The Broker may initiate a Transaction providing the Client and Freelancer email addresses and any other required information. Once the Underlying Parties agree to the Transaction, including the Broker’s commission, Client will be prompted to send payment to Umify.io. After Umify.io verifies cleared funds, it will instruct Freelancer to transfer the Merchandise to Client. When Client or Umify.io has confirmed Client’s receipt of the Merchandise, the Client Inspection Period shall begin. Upon Client’s acceptance or expiration of the Client Inspection Period, Umify.io will disburse the Escrowed Funds, minus the Escrow Fees, to Freelancer and the Broker. In the event of a cancellation after Escrowed Funds are received or rejection occurs, the Broker will not receive the commission unless otherwise stipulated in the Transaction Escrow Terms.

40. Dispute Resolution.

If a dispute, claim, question, disagreement, or breach (collectively, “Disputes”) occurs between the Underlying Parties concerning the Transaction, or any aspect of the Escrow Services, the Underlying Parties shall promptly notify Umify.io in writing and use their best efforts during the Negotiation Period to resolve the Dispute. If they do so, they shall promptly notify Umify.io by joint instruction of the resolution terms. If they are unable to do so, they shall submit the matter to Arbitration on or before the Arbitration Commencement Period ends and promptly email notice of commencement to Umify.io.
If any Dispute occurs between an Underlying Party and Umify.io or concerning the Escrow Services, the Parties agree to submit to binding Arbitration in accordance with this Section. An Underlying Party with such Dispute must promptly notify Umify.io of the Dispute in writing. The Underlying Party and Umify.io will use their best efforts during the Negotiation Period to resolve the Dispute. If the Parties are unable to resolve the Dispute during the Negotiation Period, they shall submit the matter to Arbitration on or before the Arbitration Commencement Period ends in accordance with this Section.

YOU AGREE AND ACKNOWLEDGE THAT YOU ARE GIVING UP YOUR RIGHT TO GO TO COURT to assert or defend your rights with respect to Umify.io to the maximum extent permitted by Applicable Law. You agree to resolve any Dispute between you and Umify.io EXCLUSIVELY THROUGH BINDING ARBITRATION as set forth in this Section. Your rights with respect to any Dispute with Umify.io will be determined by a NEUTRAL ARBITRATOR and NOT A JUDGE OR JURY. You are entitled to a fair hearing, but the Arbitration procedures may be simpler and more limited than rules applicable in a court. You understand and agree that any final decision of an Arbitrator with respect to Arbitration between you and Umify.io is as enforceable as any court order.

Any Disputes brought by you must be brought exclusively in your own capacity and not as a plaintiff or class member in any purported class or representative proceeding. Additionally, the Arbitrator may not consolidate more than one person’s Disputes against Umify.io and may not otherwise preside over any form of a representative or class proceeding or award class-wide relief against Umify.io.

If Umify.io has not received notice of Arbitration following the Arbitration Commencement Period, Umify.io may terminate the Transaction and refund the Escrowed Funds to Client, minus the Escrow Fees. Umify.io may (but has no obligation to) commence Arbitration, or to interplead the Escrowed Funds with a court of competent jurisdiction. If so, Umify.io may use the Escrowed Funds to pay the fees to initiate Arbitration or to file an action and serve process except to the extent restricted or prohibited by Applicable Law. The Underlying Party instituting Arbitration shall notify the other Parties by sending written notice of demand for arbitration. The Underlying Parties shall accept service of the notice of arbitration or a Complaint and summons in connection with a judicial action via email at the addresses previously provided to Umify.io by the Underlying Parties.
Arbitration may be initiated with the International Court of Arbitration (“ICC”), the Judicial and Mediation Services, Inc. (“JAMS”) or Net-ARB Inc. (“net-ARB”) (each an “Arbitration Provider”), at the discretion of the commencing Party. The Arbitration shall take place in Singapore, unless the involved Parties all agree to a different venue. Except as modified by these Terms, and unless otherwise agreed upon by the parties in writing, the Arbitration will be governed by the Arbitration Provider’s published rules and procedures. In the event of a conflict between these Terms and one of the Arbitration Provider’s rules or procedures, these Terms shall control to the extent of such conflict.
Unless the involved Parties agree otherwise, Arbitration shall be conducted before a single neutral arbitrator who is a member of the ICC, JAMS, or net-ARB, (“Arbitrator”) with substantial experience in resolving commercial contract disputes. The commencing Party shall provide the Arbitration Provider with a copy of this arbitration provision and the names, contact information, and contact persons associated with the Underlying Parties and Umify.io, with a copy to all other Parties (“Arbitration Request”). Umify.io shall not be a party to the Arbitration to resolve a Dispute between the Underlying Parties unless Umify.io voluntarily elects to participate. The Arbitration Request will request the Arbitration Provider to select an Arbitrator pursuant to the Arbitration Provider’s procedures. If the Arbitration Provider does not have such a procedure, the Arbitration Request will request the Arbitration Provider to identify three potential Arbitrators (“Arbitration Provider List”). No Underlying Party may request any specific Arbitrator be included on the Arbitration Provider List. Each Underlying Party may, within five (5) days after receipt of the proposed names, strike one name from the list. Thereafter, the Arbitration Provider shall appoint as Arbitrator a person whose name has not been struck and an alternate. If the Arbitration Provider does not timely appoint an Arbitrator and alternate, either Underlying Party may petition a court of Singapore for such appointment. Within ten (10) calendar days after the appointment, the Arbitrator shall schedule a planning hearing, which will be conducted by telephone and shall be held within the next ten (10) calendar days, to discuss scheduling, discovery, and any other issues in the Arbitrator’s discretion.
The Arbitrator shall decide all gateway issues of arbitrability including whether the Dispute is subject to Arbitration in whole or in part and whether a Party’s litigation conduct constitutes a waiver of the right to demand Arbitration.
The Arbitrator shall enter a default award if an Underlying Party fails to participate in the Arbitration.
Unless the Underlying Parties (and Umify.io if involved) agree otherwise as set forth herein, the Arbitration for transactions shall take place in Singapore, at a date, time and location selected by the Arbitrator. The final hearing must be commenced within 120 calendar days after notice of the selection of the Arbitrator is served. The parties must use commercially reasonable efforts to have the hearing concluded within 90 calendar days after it is commenced, although the parties agree an Arbitrator may, in its sole discretion, take a longer period of time to set the time for the hearing or make its determination or order. A decision shall be reasoned. Except where the Arbitrator determines to take a longer period of time, the parties shall use commercially reasonable efforts to have the decision rendered within 20 days after the conclusion of the final hearing.
Subject to the prevailing-party shifting award specified below, each Underlying Party shall advance a pro-rata share of the Arbitrator’s expenses and fees, and the other arbitration expenses incurred or approved by the Arbitrator. Umify.io will not be responsible for any portion of the Arbitration expenses and fees unless Umify.io is a party to a Dispute under paragraph (b) above. An Underlying Party that fails to pay its share shall not be allowed to participate in the Arbitration and shall be subject to an order of default and resultant award by the Arbitrator. If an Underlying Party fails to pay its share, the other Underlying Parties shall pay pro rata the remaining costs. The Arbitrator shall add such payment in the final award to return the Underlying Parties to their position had proper payment been made.
The Arbitrator shall award the prevailing Party his/her/its expenses and fees of Arbitration, reasonable attorneys’ fees, and witness fees in accordance with these Terms and, as necessary, the applicable Arbitration Provider’s rules and procedures.
A failure to respond or otherwise comply with a demand for Arbitration or to participate in the Arbitration will result in forfeiture of all rights of the non-complying Underlying Party concerning the dispute, including rights to the Escrowed Funds or any property associated therewith, and may result in a default judgment against that Underlying Party.
An Arbitration award shall be final and binding upon the participating Parties to the Arbitration and judgment confirming the award may be entered in any court of competent jurisdiction. The Arbitrator shall serve a copy of the award on all Parties (including Umify.io even if not involved in Arbitration).
Except as required by Applicable Law, Umify.io will take no action to close the Transaction or otherwise dispose of the Escrowed Funds until receipt of: (i) a joint instruction signed by all the affected Underlying Parties; or (ii) an order of the Arbitrator or court of competent jurisdiction directing action by Umify.io. Umify.io shall have no responsibility to initiate and/or continue to update the Underlying Parties regarding status of the Transaction, Arbitration, or judicial proceeding. If required by Applicable Law or if instructed by the Arbitrator, provided that all fees required of the Underlying Parties under these Terms are paid in advance, Umify.io will place the Escrowed Funds into an interest-bearing account. The disposition of the interest earned to the Underlying Parties shall be decided concurrently with the resolution of the dispute. THE OBLIGATION OF UMIFY.IO AND ITS AFFILIATES SHALL BE LIMITED TO THE HOLDING AND DISBURSEMENT OF THE ESCROW FUNDS UPON INSTRUCTIONS SIGNED BY ALL UNDERLYING PARTIES OR AN AWARD FROM THE ARBITRATOR AND/OR JUDGE. Notwithstanding any of the foregoing, Umify.io reserves the right at its sole discretion to interplead disputed funds related to any Transaction to a court.
Umify.io may, in its discretion, institute Arbitration or a judicial proceeding (including interpleading the Escrowed Funds with a court of competent jurisdiction) to resolve any Dispute in a Transaction.

41. Integrated Affiliate. If an entity’s site is integrated to the Site in whole or in part for the purpose of data transmission, that entity shall be considered an integrated affiliate (“Integrated Affiliate”) and shall be bound by the Transaction Instructions and Supplemental Instructions (if any) effective when the terms pass from Freelancer’s site (and Broker’s site when applicable) to the Site. Freelancer (and Broker when applicable) shall be bound by the Transaction Escrow Terms and any Supplemental Terms effective when Client clicks the “Agree” button, thereby attaching Client’s Digital ID.

42. Time Limits.

Should the Site or the Escrow Services be unavailable, or the Underlying Parties jointly desire to extend the Client or Freelancer Inspection Periods, then Umify.io may in its discretion extend such times, and will provide prompt email notification to all Underlying Parties. Except for Umify.io extensions, the Inspection Periods shall not be modified.
The affected Underlying Party shall notify Umify.io within the applicable time limit either by emailing hello@umify.io or any other email communicated on Umify.io’s Site for the purpose of receiving such communications. This notification will not be considered effective until Umify.io notifies the Underlying Parties of receipt via email or by updating the Transaction Detail Screen.

43. Payments.

All Escrowed Funds payable to one of the Underlying Parties shall be paid as soon as possible to the applicable Account following Client’s acceptance, Freelancer’s acceptance, or the resolution of a dispute. If Client overpays, Umify.io shall reimburse the overpayment upon the Close of Escrow. If an Underlying Party is overpaid, the recipient shall promptly return the overpaid amount to Umify.io. The recipient shall also pay any postage costs and/or wire fees if an alternate payment is requested. The Underlying Parties shall also hold Umify.io harmless from any loss arising from currency conversion.
If Client chooses credit card as the method of payment, Umify.io may charge Client’s credit card when Client selects the Form of Payment from the Transaction Detail Screen. Client shall provide documentation to validate identity. Umify.io may refuse a credit card or other form of payment for any reason and need not disclose the reason. If refusal occurs, the Transaction shall be considered cancelled twenty (20) calendar days after Umify.io’s notification to Client of the refusal and Client’s failure to cure within that period. All Escrowed Funds disbursements shall be made by mailing a regular check, unless otherwise requested by the payee. Alternatively, the payee may receive a credit back to a credit card or other payment source if authorized to do so by the credit card company or other payment source.
Payments made by check shall be subject to a 10-day hold.
Due to processing delays, payments by credit card, debit card or PayPal Account shall not be on deposit with Umify.io until the Business Day on which the funds are actually deposited into Umify.io’s designated account.
Umify.io does not accept forwarding or ‘pushing’ of ACH payments to escrow accounts. An ACH payment will only be accepted where it has been expressly approved and authorized by Umify.io in writing and in advance of that ACH payment being made. Where the Underlying Parties request approval for payment by ACH, and where this method of payment is approved by Umify.io for a Transaction, the ACH payment will be initiated by Umify.io or its payment gateway and not by the Underlying Parties. In no circumstances will an ACH payment be accepted as a valid payment where it is forwarded, initiated, or ‘pushed’ into an escrow account by the Underlying Parties to a Transaction. It is understood that any ACH transaction must comply with U.S. laws and NACHA rules. Except as required by Applicable Law, Umify.io is not responsible for any errors in the completion, accuracy, or timeliness of any transfer properly initiated by Umify.io in accordance with joint written instructions occasioned by the acts or omissions of any third-party financial institution or a party to the transaction, or the insufficiency or lack of availability of Your funds on deposit in an external account. In the instance that a refund is required from a transaction funded via ACH, Umify.io requires the party responsible for funding the transaction to submit a recall request from the originating institution. If the institution is unable to execute a recall, we must receive written notification stating that the institution cannot perform a recall. With further consideration, a refund may be executed by Umify.io.
Upon any payment or other disposition of the Escrowed Funds, the Transaction shall be deemed closed and final with no further obligation by the Parties. If after a Transaction is closed and Umify.io has distributed proceeds, a Client (and Broker when applicable) who has made a payment by ACH or credit card instructs the bank or card issuer to stop payment or make a charge back so that Umify.io does not receive the payment or the previous credit from the bank or card issuer is reversed or “charged back”, Client (and Broker when applicable) shall be deemed to have materially breached these Terms. If such breach occurs after the Transaction closes, damages in the amount of the stopped payment, reversal or chargeback plus an additional amount equal to Umify.io’s actual costs, losses, or damages as a result of such stopped payment, reversal, or chargeback will be imposed, which amount is reasonable in light of (i) the anticipated or actual harm caused by the breach; (ii) the difficulties of proof of loss; and (iii) the inconvenience or non-feasibility of otherwise obtaining an adequate remedy.

44. Escrowed Funds. Umify.io will hold Escrowed Funds in a non-interest-bearing deposit account with any institution engaged by Umify.io in its discretion. The maintenance of such accounts may result in Umify.io’s or its Affiliates’ receiving certain bank services, accommodations, or other benefits by the bank, none of which shall redound to the Underlying Parties’ benefit.

45. Unclaimed Funds. Umify.io will escheat unclaimed Escrowed Funds in accordance with Applicable Law.

46. Changes to Contact Information. You agree to notify us immediately of any changes to your contact information, including your email address, residential, business and/or mailing address, and telephone number(s), so that all Your records at Umify.io can be updated accordingly. You authorize us to send information and inquiries to the email address we have on file for your Account.

47. Indemnification.

The Underlying Parties shall indemnify, defend and hold harmless Umify.io, its Affiliates and the respective officers, directors, shareholders, employees and assigns of Umify.io and its Affiliates from, against and in respect of any and all third party tort claims, suits, actions, and proceedings (collectively, “Claims”) to the extent that such third-party Claims arise from the negligent acts, errors, or omissions of the Underlying Parties relating to the use of the Escrow Services or a breach of the Umify.io Terms of service, including: non-payment or insufficient payment of Escrow Fees or any other charge; any chargeback from a card organization; or reversal or nonpayment of any credit or debit entry. The foregoing also applies to all judgements, settlements, liabilities, damages, demands, taxes, charges, expenses and legal and other expenses (including without limitation reasonable legal fees and expenses of attorneys), arising out of such third-party Claims. The indemnification obligation shall be due from the Underlying Party(ies) causing the harm to Umify.io. If more than one Underlying Party owes an indemnification obligation, the obligation shall be joint and several. The foregoing indemnities shall survive the termination of these Terms.
You further agree to release, indemnify, and hold Umify.io, including its Affiliates, and our respective officers, directors, shareholders, employees and assigns harmless from and against all liability, claims, damages, actions or losses caused by or arising from your conduct in connection with:
1. all losses or costs suffered or incurred by Ecrow.com, including Disputes.
2. any failure by you to pay fees.
3. any failed or cancelled Transaction including for the avoidance of doubt any chargebacks from a card organization or reversal or nonpayment of any credit or debit entry.
4. any misrepresentation, breach of contract or failure of consideration in relation to your dealings with a Party including for the avoidance of doubt, any dispute(s).
5. any failure by you to provide correct information to us.
6. any failure by you to update Your personal or business contact information in accordance with these Terms.
7. Any breach by you of your obligations under or in connection with these Terms.

48. Communications Among Parties. Unless otherwise agreed by all Parties or specified herein, all communications shall be via email and with respect to Underlying Parties, to the last address provided in the user profile. All agreements separate from the Transaction Escrow Terms shall be in writing and signed by the affected Underlying Parties or Parties. The Underlying Parties shall use the Site to verify the accuracy of all emails from Umify.io. An electronic record shall be deemed sent when the information is properly addressed or directed to its intended recipient, and either: (a) enters an information processing system outside the control of the sender; or (b) enters a region of an information processing system under the recipient’s control. An Underlying Party unable to use the Site after the Transaction has commenced may contact Umify.io by email at hello@umify.io. The Parties shall only be required to employ alternative communication methods reasonable under the circumstances. If Freelancer sells Merchandise by both electronic and non-electronic means, and a Client purchases Merchandise by an electronic transaction, Client may refuse to conduct further transactions regarding the Merchandise by electronic means, in which case the Parties must acknowledge the arrangement, failing which Umify.io may terminate the Transaction.

49. Identification.

Umify.io shall create and issue Digital IDs for all Underlying Parties. Digital IDs shall be considered “electronic signatures” attributable to the person as if the Digital ID were the act of the person, and may be shown in any manner, including any security procedure employed for verification purposes.
Digital IDs are attached to all accepted electronic documents and notification emails. Notwithstanding anything to the contrary, Umify.io may require ink signatures on hard copy documents, including any or all of the Transaction Escrow Terms.
Umify.io is committed to adhering to all applicable Anti-Money Laundering and Terrorism Financing Laws. To comply with the regulatory obligations and global economic and other sanctions, we conduct screening and comply with the requirements of Applicable Law.
We will collect information about your identity such as your full name, date of birth, residential address, and identification number, where applicable and verify the information electronically or using documents we obtain from you.
For us to confirm your identity electronically, we may disclose your personal information to an identity verification service.
For a non-individual (such as a corporation, partnership, or trust), you must provide to us documents showing the legal existence of the entity.
While your identity is being confirmed, or if we are unable to confirm your identity, we may be unable to provide the requested Escrow Services.

50. Umify.io’s Rights; Disputes.

If Umify.io believes that the Transaction violates the Umify.io Terms of Service or may violate Applicable Law, then it may terminate the Transaction and, in Umify.io’s sole discretion, may seek relief in a judicial proceeding or take other actions it deems appropriate.
If any Dispute between the Underlying Parties is not resolved within a reasonable time, as determined by Umify.io, or a conflicting demand is made upon it, Umify.io may demand Arbitration or institute a judicial proceeding or take other actions it deems appropriate.

51. Authority. The natural person who clicks the “Agree” button on behalf of an Underlying Party certifies that he/she: (a) is of majority age in the jurisdiction in which he/she resides; (b) has read and agrees to be bound by the Umify.io Terms of Service; and (c) has authority to act for the entity which he/she is representing.

52. No Representations or Warranties. Umify.io makes no representation or warranty concerning, and assumes no responsibility for, the legality of the Underlying Transaction or the Transaction, the condition of the Merchandise purchased and sold, sufficiency of instruments conveying ownership, or agreements therefor. Payment of sales tax, utilities, performances of the Underlying Parties, transfer of insurance policies or warranties, legality of the Underlying Transaction and Transaction or legal effect thereof or any other matters not expressly covered in the Umify.io Terms of Service are deemed outside of the Transaction, and neither Umify.io nor any of its Affiliates shall have any responsibility therefor.

53. Entire Agreement/Conflict Resolution.

The Umify.io Terms of Service constitute the entire agreement among the Parties concerning the subject matter thereof and supersede all prior or contemporaneous understandings, agreements, or communications concerning such subject matter.
If there is a conflict between the General Instructions and either the Transaction Instructions or the Supplemental Terms, the General Instructions shall control first, to the extent of such conflicting terms. In the event of a conflict between the General Instructions and these Terms, these Terms shall control first, to the extent of such conflicting terms.
Nothing in the Umify.io Terms of Service is intended to affect the separate agreements between or among the Underlying Parties, and the separate agreements have no effect on Umify.io.

54. No Third-Party Beneficiaries. Except as otherwise provided with respect to officers, directors, shareholders, employees and assigns of Umify.io and its Affiliates, there are no intended third-party beneficiaries of the Umify.io Terms of Service.

55. Survival. All provisions of the Transaction Escrow Terms that contemplate performance or abstention following termination of the Transaction, and all rights and remedies that accrue before termination, shall survive termination. This specifically includes, but is not limited to, the Dispute Resolution provisions of these Terms.

56. Governing Law; Jurisdiction; Forum Selection.

These Terms and all other provisions of the Umify.io Terms of Service shall be governed by and construed in accordance with the laws of Singapore, without regard to the choice or conflicts of law provisions of any jurisdiction.
In any action to enforce or that otherwise concerns the Transaction Escrow Terms, including an action to confirm or vacate an Arbitration award, the Parties shall submit to personal jurisdiction to the courts of Singapore and litigate exclusively in the courts located in Singapore. The Parties intend this forum selection to be mandatory and not permissive. Each Party hereby waives any right to object to venue or jurisdiction or to assert the doctrine of forum non conveniens or similar doctrine to avoid the exclusive forum selection.

57. Reasonable Attorneys’ Fees and Expenses. In any formal legal action, lawsuit, or Arbitration to enforce or that otherwise concerns the Transaction or the Underlying Transaction, the prevailing Party shall recover its reasonable attorneys’ fees and expenses from the losing Party incurred in Arbitration, trial court, appellate, mediation, bankruptcy, any counterclaim to a lawsuit filed by the other party and proceedings to fix the reasonable amounts of attorneys’ fees and expenses. The Arbitrator shall award reasonable attorneys’ fees and expenses incurred in the Arbitration to the prevailing Party against the losing Party. Attorneys’ fees and expenses include fees and expenses of Umify.io’s in-house counsel.

58. Severability. If any provision of the Transaction Escrow Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

59. Headings. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

60. Force Majeure. If a Party’s performance of its obligations under the Umify.io Terms of Service is impeded by any condition beyond that Party's reasonable control, including an act of God such as earthquake, hurricane, tornado, flooding, or other natural disaster, or in the case of war, action of foreign enemies, terrorist activities, labor dispute or strike, government sanction, blockage, embargo, or failure of electrical service or electronic or communication systems, or the similar conditions or epidemics, pandemics or outbreak of communicable disease; quarantines; international, national or regional emergencies; or any other cause, whether similar in kind to the foregoing or otherwise, beyond the party’s reasonable control (“Force Majeure Condition”), the affected Party will be excused from performance and shall resume performance promptly on cessation of the Force Majeure Condition, providing notice of the circumstances and updates to all other Parties.

61. Non-Waiver. Umify.io’s failure to exercise or enforce any right or provision of the Transaction Escrow Terms shall not waive such right or provision unless agreed to by Umify.io in writing.

62. Questions about the Services. You may inquire about payments made through the Escrow Service by emailing us at hello@umify.io or any other channels as communicated by us for such purpose. If you believe an error has been made or there has been any unauthorized use of your Account or the Escrow Services, you agree to send an email as soon as possible, but no later than forty-eight (48) hours after you become aware of an error. When you contact Umify.io, please be prepared to provide your name, Umify.io reference number and the email address you have registered on the Umify.io site.

63. Continuing Agreement. If you are a registered User of the Site, each time you request the Escrow Services will constitute your agreement to these Terms, as amended from time to time in Umify.io's sole discretion, and evidence that you have read, understood and accepted the then applicable terms of using the Umify.io platform.

64. Incorporation by Reference. The Umify.io Site Terms of Use, the Transaction Detail Screens, Privacy Policy, and General Instructions are incorporated herein by this reference and the Parties rights and obligations are subject to those provisions.

65. Signature Confirmation by Parties to these Terms and Conditions. Each Parties’ respective acknowledgement to these Terms by acknowledgement of the same on the Site constitutes each Party’s signature and agreement to these Terms.

66. Jurisdiction. Although one or more the Underlying Parties and the Escrowed Property or Merchandise may be a citizen of and/or physically located in a location, venue or jurisdiction other than Singapore, the Underlying Parties all represent and agree that the Transaction and Escrow Services are deemed to be coordinated and taking place in Singapore.

67. Electronic Signatures. For purposes of the Umify.io Terms of Service, “electronic signature” means any electronic sound, symbol, or process attached to or logically associated with a record that is executed and adopted with the intent to sign such record. Specifically, you agree that an electronic signature includes, without limitation, typing your name, or clicking a checkbox or button labeled “I agree” (or similar words). Additionally, you specifically agree that the electronic signatures included in these Terms are intended to authenticate the Umify.io Terms of Service and have the same force and effect as manual signatures.

68. Consent to Electronic Communications. You understand and agree that Umify.io may provide you all communications and documents, whether initiated by Umify.io or requested by you, electronically as further explained below until you withdraw your consent as provided in this section. Your consent applies to the Escrow Services and includes, but is not limited to the following types of communications and documents (collectively, “Communications”): all legal and regulatory disclosures, notices, and communications associated with our services; this agreement and any supplemental, additional, or modifying terms or agreements; privacy or data security notices and policies; responses to your inquiries, complaints, claims, or any other communication; account statements and notices; any other written instrument, report, notice, or information required to be provided by the Umify.io Terms of Service or Applicable Law.

Notwithstanding your consent to receive all Communications electronically, Umify.io reserves the right to require you to provide Communications to Umify.io on paper or in another format according to Umify.io’s sole discretion.

Umify.io reserves the right at its sole discretion to discontinue the provision of electronic Communications. Umify.io will provide you with notice of any such discontinuation as required by Applicable Law. Additionally, Umify.io reserves the right, but assumes no obligation, to provide paper instead of electronic copies of Communications that you have authorized Umify.io to provide electronically.

All Communications that Umify.io provides electronically may be provided by email, on the Site, through a mobile app, or by mobile phone text message if you have opted to receive such text messages.

In order to view and retain electronic Communications, you must have: (i) a computer, tablet, or mobile phone with access to the Internet and capable of running the latest supported version of Internet Explorer, Firefox, Safari, or Chrome; (ii) sufficient electronic storage capacity on your computer or device or cloud storage account to receive Communications; (iii) an active email account; and (iv) access to a printer. By consenting to receiving Communications electronically, you also are confirming that You have the foregoing hardware and software and that you are able to receive and review electronic Communications.

You understand and agree that for purposes of the Umify.io Terms of Service as well as any other legal purpose, electronic Communications from Umify.io to you will be considered to have been delivered “in writing.” You should download and/or print a copy of any Communications for your records.

You may withdraw your consent to receive Communications electronically at any time. Your withdrawal of consent will become effective after Umify.io has received written notice of your withdrawal of consent and has had a reasonable opportunity to act upon it. To withdraw your consent to receive Communications electronically You must contact us by email. If you withdraw consent, all prior Communications delivered electronically before you withdrew Your consent will remain valid, enforceable, and legally binding.

However, you hereby acknowledge and agree that if you withdraw your consent to receive Communications electronically, Your ability to access and use the Escrow Services will be terminated.

End of General Umify.io Terms and Conditions.

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