Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website materialconnections.com (the "Site") and any services provided by Material Connections LLC ("Company," "we," "us," or "our"). By accessing or using our Site or services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Site or services.

2. Description of Services

Material Connections LLC provides compliance and risk advisory services for financial technology companies, payment facilitators, cryptocurrency platforms, and other regulated businesses. Our services include, but are not limited to:

• Compliance program development and implementation
• Risk assessment and management
• AML/KYC program design and operational support
• Regulatory advisory and licensing support
• Fractional compliance leadership
• Audit preparation and remediation

Specific services are governed by separate engagement agreements between the Company and clients.

3. Website Use

You agree to use our Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site
• Use any automated means to access the Site or collect any information from the Site
• Interfere with the proper working of the Site
• Impersonate or attempt to impersonate the Company, a Company employee, or any other person

4. Intellectual Property

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, and design) are owned by Material Connections LLC or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without our prior written consent, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials
• You may store files that are automatically cached by your web browser for display enhancement purposes
• You may print or download one copy of a reasonable number of pages of the Site for your own personal, non-commercial use

5. Disclaimer of Warranties

THE SITE AND ALL INFORMATION, CONTENT, MATERIALS, AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

The Company does not warrant that the Site will be uninterrupted, timely, secure, or error-free, or that defects will be corrected.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL MATERIAL CONNECTIONS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of (or inability to access or use) the Site
• Any conduct or content of any third party on the Site
• Any content obtained from the Site
• Unauthorized access, use, or alteration of your transmissions or content

In no event shall our total liability to you for all claims exceed the amount paid by you, if any, for accessing the Site during the twelve (12) months prior to the claim.

7. No Professional Advice

The information provided on this Site is for general informational purposes only and does not constitute legal, financial, regulatory, or professional advice. The content on this Site should not be relied upon as a substitute for consultation with qualified professionals regarding your specific situation.

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, reliability, or suitability of the information contained on this Site.

8. Client Engagements

Any consulting or advisory services provided by Material Connections LLC are subject to separate written engagement agreements. These Terms do not create a client relationship. A client relationship is only established upon execution of a formal engagement agreement.

9. Confidentiality

Information submitted through our contact form or initial consultations is treated as confidential. However, please note that information transmitted over the Internet may not be completely secure. For sensitive matters, we recommend discussing confidentiality protections directly with our team.

10. Indemnification

You agree to defend, indemnify, and hold harmless Material Connections LLC and its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses arising from:

• Your use of and access to the Site
• Your violation of any term of these Terms
• Your violation of any third-party right, including any intellectual property or privacy right

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Delaware.

12. Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms shall first be attempted to be resolved through good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue resolution through the courts as specified above.

13. Severability

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

14. Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

15. Changes to Terms

We reserve the right to modify these Terms at any time at our sole discretion. We will notify users of material changes by posting the revised Terms on this page with an updated "Last updated" date. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of such changes.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Material Connections LLC regarding your use of the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties regarding such subject matter.

17. Contact Information

If you have any questions about these Terms, please contact us: