Service Agreement

Last Updated: October 15, 2019

1. Introduction

1.1. Contract
You agree that by clicking "Join Now", "Join Tizer", "Get wallet", "Sign in", "Sign Up", installing Tizer mobile application or similar, registering, accessing or using our services (described below), you are agreeing to enter into a legally binding contract with Tizer (even if you are using our Services on behalf of a company). If you do not agree to this contract ("Contract" or "User Agreement"), do not click "Join Now" (or similar) and do not access or otherwise use any of our Services. If you wish to terminate this contract, at any time you can do so by closing your account and no longer accessing or using our Services.

Services

This Contract applies to tizer.io, Tizer-branded apps, application programming interfaces (APIs) and other Tizer-related sites, apps, communications and other services that state that they are offered under this Contract ("Services"), including the offsite collection of data for those Services. Registered users of our Services are "Members" and unregistered users are "Visitors". This Contract applies to both Members and Visitors.

Tizer account lets you do things like:

  • One or more hosted Cryptocurrency wallets enabling you to store, track, transfer, and manage your balances of certain supported Cryptocurrencies, like Bitcoin or Ethereum (the "Cryptocurrency Wallet" and "Cryptocurrency" respectively);
  • A Cryptocurrency exchange service enabling you to obtain prices for your purchases and sales of Cryptocurrencies (a "Digital Exchange");
  • A Cryptocurrency conversion service enabling you to buy and sell Cryptocurrencies in transactions with Tizer (the "Conversion Services").
You should be aware that the risk of loss in trading or holding Cryptocurrencies can be substantial. Cryptocurrency Services are not currently regulated by the Financial Conduct Authority or any other regulator. You should therefore carefully consider whether trading or holding Cryptocurrencies is suitable for you in light of your financial condition.

Tizer

This is an agreement between TizerWallet OÜ, its affiliates and subsidiaries (collectively referred to herein as "Tizer", "we", "us", or "our") and you (together with Tizer, the "Parties" and each a "Party").

As a Visitor or Member of our Services, the collection, use and sharing of your personal data is subject to this Privacy Policy (which includes our Cookie Policy and other documents referenced in this Privacy Policy) and updates.
1.2. Members and Visitors
When you register and join the Tizer Services, you become a Member. If you have chosen not to register for our Services, you may access certain features as a "Visitor."
1.3. Change
We may modify this Contract, our Privacy Policy and our Cookies Policies from time to time. If we make material changes to it, we will provide you notice through our Services, or by other means, to provide you the opportunity to review the changes before they become effective. We agree that changes cannot be retroactive. If you object to any changes, you may close your account. Your continued use of our Services after we publish or send a notice about our changes to these terms means that you are consenting to the updated terms.

2. Obligations

2.1. Service Eligibility
The Services are not for use by anyone under the age of 18.

To use the Services, you agree that:

  1. you are an individual, at least 18 years of age or older, have the capacity to enter into this User Agreement and agree to comply with all of the terms and conditions in this user agreement.
  2. you have the full capacity to accept these Agreement and enter into a transaction involving digital cryptocurrencies.
  3. you are familiar with the nature and workings of the technology behind digital cryptocurrency, and in particular, the irreversibility of transactions and the apparent risks associated with exposure to digital cryptocurrencies.
In order to use Services provided by Tizer, you may be required to provide certain identifying information pursuant to our know-your-customer and anti-money laundering compliance program ("Compliance Program").
2.2. Your Account
Creating your own User Account may require you to use multiple methods of authentication or verification, and depending on the specific Service provided, may require you to complete our Compliance Program.

You agree and understand that you are solely responsible for managing and maintaining the security of any information relating to your login credentials and agree that Tizer will not be held responsible (and you will not hold us responsible) for any unauthorized access to the Services or any resulting harm you may suffer.

You agree that you will not permit access to your login credentials to any other party and will not hold Tizer responsible for any actions taken by individuals unauthorized to access your User Account.

Your access to one or more Tizer Services may be contingent upon successful completion of onboarding processes, which includes verification of your identity and source of funds, and additional information that we may request from time to time. The information we request may include, without limitation, personally identifiable information such as name, address, telephone number, date of birth, taxpayer identification or social security number, official government-issued photo identification, and bank account information. In providing this information to us you represent that it is accurate and agree to update your User Account information promptly, but in no event later than 30 days following any change in your User Account information. Failure to provide this information or update it promptly may result in certain Tizer Services being unavailable to you.
2.3. Communications
By entering into this User Agreement, you understand and agree that any and all communications from Tizer may be provided to you via electronic mail at the address you provided when creating your User Account. You agree and acknowledge that Tizer shall not be responsible for any harm you may suffer as a result of your failure to receive any notice provided to you in connection with this User Agreement your use of Services so long as such notice is provided to the email address associated with your User Account.

You further acknowledge and agree that Tizer shall also be permitted to communicate with you through other methods including via telephone call or instant messaging or chat applications either operated by Tizer or a third party.
2.4. Notices and Messages
You agree that we will provide notices and messages to you in the following ways: (1) within the Service, or (2) sent to the contact information you provided us (e.g., email, mobile number, physical address). You agree to keep your contact information up to date.

Please review your settings to control and limit messages you receive from us.

3. Rights and Limits

3.1. Intellectual Property
Unless otherwise indicated by us, all intellectual property rights and any content provided in connection with our Services, are the property of Tizer or our licensors or suppliers and are protected by applicable intellectual property laws. We do not give any implied license for the use of the contents of the Services.

You accept and acknowledge that the material and content contained through our Services is made available for your personal, lawful, non-commercial use only and that you may only use such material and content for the purpose of using the Services.

You further acknowledge that any other use of content from the Services is strictly prohibited and you agree not to infringe or enable others to infringe our intellectual property rights. You agree to retain all copyrighted and other proprietary notices contained in the material provided via our Services on any copy you make of the material but failing to do so shall not prejudice Tizer's intellectual property rights therein.

You may not sell or modify materials derived or created from our Services or reproduce, display, publicly perform, distribute or otherwise use the materials in any way for any public or commercial purpose. Your use of the materials on any other website or on a file-sharing or similar service for any purpose is strictly prohibited. You may not copy any material or content derived or created from our Services without our express, written permission.

Any rights not expressly granted herein to use the materials contained on or through our Services are reserved by Tizer in full.
3.2 Accuracy of Information
We will use reasonable efforts to verify the accuracy of any information displayed, supplied, passing through or originating from the Services, but such information may not always be accurate or current. Accordingly, you should independently verify all information before relying on it, and any decisions or actions taken based upon such information are your sole responsibility.

You agree and understand that we make no representation or warranty of any kind, express or implied, statutory or otherwise, regarding the contents of the Services, information and functions made accessible through the Services, any hyperlinks to third party websites, or the security associated with the transmission of information through the Services, or any website linked to the Services.
3.3 Third Party Services and Content
In using the Services, you may view content or services provided by third parties, including links to web pages and services of such parties ("Third Party Content"). We do not control, endorse or adopt any Third Party Content and have no responsibility for Third Party Content including, without limitation, material that may be misleading, incomplete, erroneous, offensive, indecent or otherwise objectionable in your jurisdiction. In addition, your dealings or correspondence with such third parties are solely between you and the third party.

You agree and understand that we are not responsible or liable for any loss or damage of any sort incurred as a result of any such dealings and your use of Third Party Content is at your own risk.

Cooperation with Law Enforcement. Tizer may, from time to time, respond to requests from law enforcement, regulators and policymakers by producing certain information about or relating to your use of the Services.

Recordkeeping. You agree and understand that, depending on the Services used by you, Tizer reserves the right, in our sole discretion, to create and maintain certain records of your activity and communications relating to your User Account.

4. Cryptocurrency services

4.1. Wallet
Your Cryptocurrency Wallet enables you to request, receive and send Cryptocurrency by giving instructions through the Tizer Services (each such transaction is a "Cryptocurrency Transaction").

The Wallet is provided to you exclusively by Tizer. At no point will Tizer ever take custody or control over Cryptocurrency stored in your Wallet. The Wallet is only capable of supporting certain Cryptocurrencies. Under no circumstances should you attempt to store Cryptocurrencies in your Wallet that the Wallet does not support. The Wallet does not store, send, or receive Cryptocurrency.

Risk Disclosures Relating to the Wallet

In order to be completed, any Cryptocurrency transaction created with the Wallet must be confirmed and recorded in the Cryptocurrency ledger associated with the relevant Cryptocurrency network. Such networks are decentralized, peer-to-peer networks supported by independent third parties, which are not owned, controlled or operated by Tizer.

Tizer has no control over any Cryptocurrency network and therefore cannot and does not ensure that any transaction details you submit via our Services will be confirmed on the relevant Cryptocurrency network. You agree and understand that the transaction details you submit via our Services may not be completed, or may be substantially delayed, by the Cryptocurrency network used to process the transaction. We do not guarantee that the Wallet can transfer title or right in any Cryptocurrency or make any warranties whatsoever with regard to title.

Once transaction details have been submitted to a Cryptocurrency network, we cannot assist you to cancel or otherwise modify your transaction or transaction details. Tizer has no control over any Cryptocurrency network and does not have the ability to facilitate any cancellation or modification requests.

Forks

In the event of a Fork, Tizer may not be able to support activity related to your Cryptocurrency. You agree and understand that, in the event of a Fork, the transactions may not be completed, completed partially, incorrectly completed, or substantially delayed. Tizer is not responsible for any loss incurred by you in caused in whole or in part, directly or indirectly, by a Fork.
4.2. Transfers and Spending
We will process Cryptocurrency Transactions in accordance with the instructions we receive from you. You should verify all transaction information prior to submitting instructions to us. We do not guarantee the identity of any user, receiver, requestee or other party. Cryptocurrency Transactions cannot be reversed once they have been broadcast to the relevant Cryptocurrency network.

If you initiate a Cryptocurrency Transaction by entering the recipient's phone number or email address and the recipient does not have an existing Tizer Account, we will invite the recipient to open a Tizer Account. If the recipient does not open a Tizer Account within 30 days, we will return the relevant Cryptocurrency to your Cryptocurrency Wallet.

Once submitted to a Cryptocurrency network, a Cryptocurrency Transaction will be unconfirmed for a period of time pending sufficient confirmation of the transaction by the Cryptocurrency network. A Cryptocurrency Transaction is not complete while it is in a pending state. Cryptocurrency associated with Cryptocurrency Transactions that are in a pending state will be designated accordingly, and will not be included in your Cryptocurrency Wallet balance or be available to conduct Cryptocurrency Transactions.

We may charge network fees (miner fees) to process a Cryptocurrency Transaction on your behalf. We will calculate the network fee in its discretion, although we will always notify you of the network fee at or before the time you authorise the Cryptocurrency Transaction.

We may refuse to process or cancel any pending Cryptocurrency Transaction as required by law or any court or other authority to which Tizer is subject in any jurisdiction.

We securely store Cryptocurrency private keys, which are the means by which you can securely approve a Cryptocurrency Transaction. We securely store private keys in our control in the protected storage. According to your instructions, you may get some time delay during Cryptocurrency exchange and Cryptocurrency Transaction conducting.

We have no control over, or liability for, the delivery, quality, safety, legality or any other aspect of any goods or services that you may purchase or sell to or from a third party (including other users of Tizer Cryptocurrency Services). We are not responsible for ensuring that a third party buyer or a seller you transact with will complete the transaction or is authorised to do so. If you experience a problem with any goods or services purchased from, or sold to, a third party using Cryptocurrency transferred using the Tizer Cryptocurrency Services, or if you have a dispute with such third party, you should resolve the dispute directly with that third party.
4.3. Conversion Service
The Conversion Service is provided by Changelly. Through its Conversion Service, Tizer will display to you a conversion rate that may include a fee, which you agree to pay. The Conversion Service works in connection with the Wallet, by which we will deliver you the requested Cryptocurrency, less any applicable fees, by executing a transaction from a Cryptocurrency address we control to one associated with your Wallet.

We may, at our sole discretion and from time-to-time, require you to satisfy our Compliance Program before participating in the Conversion Service. In order to use the Conversion Service, you agree to cooperate with any such request and pay any associated fees, which may be modified or supplemented at any time.

You may not cancel, reverse or change any Conversion Service transaction. We may suspend, delay, redirect, reverse or cancel any Conversion Service transaction at any time if we suspect any risk of fraud, crime, breach of this User Agreement, or illicit activity and will not be liable for any resulting loss.

We may implement Conversion Service transaction limits. These may vary based on a variety of factors, including without limitation the time of your transaction, your location, the Cryptocurrency purchased, and the Cryptocurrency sold. We implement, raise and lower Conversion Service transaction limits in our sole discretion.

Your use of the Conversion Service on an 'as-is' basis. Tizer is not your counterparty in any transaction completed via any third party service and cannot be held liable for any loss caused in whole or in part, directly or indirectly, by such third party.

5. Disclaimer and Limit of Liability

5.1. Acceptable Use of Tizer Services
When accessing or using the Services, you agree that you are solely responsible for your conduct while accessing and using our Services. Without limiting the generality of the foregoing, you agree that you will not:

(a) Use the Services in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying the Services, or that could damage, disable, overburden or impair the functioning of our Services in any manner;
(b) Use the Services to pay for, support or otherwise engage in any illegal activities, including, but not limited to illegal gambling, fraud, money laundering, or terrorist activities;
(c) Use any robot, spider, crawler, scraper or other automated means or interface not provided by us to access our Services or to extract data;
(d) Use or attempt to use another user's Wallet or credentials without authorization;
(e) Attempt to circumvent any content filtering techniques we employ, or attempt to access any service or area of our Services that you are not authorized to access;
(f) Introduce to the Services any virus, Trojan, worms, logic bombs or other harmful material;
(g) Develop any third-party applications that interact with our Services without our prior written consent;
(h) Provide false, inaccurate, or misleading information; or
(i) Encourage or induce any other person to engage in any of the activities prohibited under this Section.
5.2. No Warranty
TO THE EXTENT ALLOWED UNDER LAW, TIZER AND ITS AFFILIATES (AND THOSE THAT TIZER WORKS WITH TO PROVIDE THE SERVICES) (A) DISCLAIM ALL IMPLIED WARRANTIES AND REPRESENTATIONS (E.G. WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF DATA, AND NONINFRINGEMENT); (B) DO NOT GUARANTEE THAT THE SERVICES WILL FUNCTION WITHOUT INTERRUPTION OR ERRORS, AND (C) PROVIDE THE SERVICE (INCLUDING CONTENT AND INFORMATION) ON AN "AS IS" AND "AS AVAILABLE" BASIS.

WE MAKE NO WARRANTY THAT SERVICES ARE FREE OF VIRUSES OR ERRORS, THAT ITS CONTENT IS ACCURATE, THAT IT WILL BE UNINTERRUPTED, OR THAT DEFECTS WILL BE CORRECTED. WE WILL NOT BE RESPONSIBLE OR LIABLE TO YOU FOR ANY LOSS OF ANY KIND, FROM ACTION TAKEN, OR TAKEN IN RELIANCE ON MATERIAL, OR INFORMATION, CONTAINED ON OR THROUGH OUR SERVICES.

SOME LAWS DO NOT ALLOW CERTAIN DISCLAIMERS, SO SOME OR ALL OF THESE DISCLAIMERS MAY NOT APPLY TO YOU.
5.3. Exclusion of Liability
TO THE EXTENT PERMITTED UNDER LAW (AND UNLESS TIZER HAS ENTERED INTO A SEPARATE WRITTEN AGREEMENT THAT OVERRIDES THIS CONTRACT), TIZER AND ITS AFFILIATES (AND THOSE THAT TIZER WORKS WITH TO PROVIDE THE SERVICES) SHALL NOT BE LIABLE TO YOU OR OTHERS FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, OPPORTUNITIES, REPUTATION, PROFITS OR REVENUES, RELATED TO THE SERVICES (E.G. OFFENSIVE OR DEFAMATORY STATEMENTS, DOWN TIME OR LOSS, USE OF, OR CHANGES TO, YOUR INFORMATION OR CONTENT).

IN NO EVENT SHALL TIZER, ITS AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, EMPLOYEES OR REPRESENTATIVES, BE LIABLE FOR: (A) ANY AMOUNT GREATER THAN THE VALUE OF THE CRYPTOCURRENCY ACTUALLY DELIVERED TO US BY YOU OR BY YOU TO US IN CONNECTION WITH A SUPPORTED CONVERSION SERVICE TRANSACTION COMPLETED ON ITS DISPLAYED TERMS OVER THE LAST SIX MONTHS, VALUED AT THE TIME OF THE TRANSACTION; OR (B) FOR ANY LOST PROFITS OR ANY SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH AUTHORIZED OR UNAUTHORIZED USE OF THE SERVICES, OR THIS AGREEMENT, EVEN IF AN AUTHORIZED REPRESENTATIVE OF TIZER HAS BEEN ADVISED OF, KNEW OF, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. FOR EXAMPLE (AND WITHOUT LIMITING THE SCOPE OF THE PRECEDING SENTENCE), YOU MAY NOT RECOVER FOR LOST PROFITS, LOST BUSINESS OPPORTUNITIES, OR OTHER TYPES OF SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

UNDER NO CIRCUMSTANCES WILL WE BE REQUIRED TO DELIVER TO YOU ANY CRYPTOCURRENCY AS DAMAGES, SPECIFIC PERFORMANCE OR ANY OTHER REMEDY. IF YOU WOULD BASE YOUR CALCULATIONS OF DAMAGES IN ANY WAY ON THE VALUE OF CRYPTOCURRENCY, YOU AND WE AGREE THAT THE CALCULATION WILL BE BASED ON THE LOWEST VALUE OF THE CRYPTOCURRENCY DURING THE PERIOD BETWEEN THE ACCRUAL OF THE CLAIM AND THE AWARD OF DAMAGES.

We will not be responsible or liable to you for any loss and take no responsibility for damages or claims arising in whole or in part, directly or indirectly from: (a) user error such as forgotten passwords, incorrectly constructed transactions, or mistyped Cryptocurrency addresses; (b) server failure or data loss; (c) corrupted or otherwise non-performing Wallets or Wallet files; (d) unauthorized access to applications; (e) any unauthorized activities, including without limitation the use of hacking, viruses, phishing, brute forcing or other means of attack against the Services.

THIS LIMITATION OF LIABILITY IS PART OF THE BASIS OF THE BARGAIN BETWEEN YOU AND TIZER AND SHALL APPLY TO ALL CLAIMS OF LIABILITY (E.G. WARRANTY, TORT, NEGLIGENCE, CONTRACT, LAW) AND EVEN IF TIZER OR ITS AFFILIATES HAS BEEN TOLD OF THE POSSIBILITY OF ANY SUCH DAMAGE, AND EVEN IF THESE REMEDIES FAIL THEIR ESSENTIAL PURPOSE.

SOME LAWS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY, SO THESE LIMITS MAY NOT APPLY TO YOU.
5.4. Indemnification
You agree to indemnify and hold harmless Tizer, its affiliates, subsidiaries, directors, managers, members, officers, and employees from any and all claims, demands, actions, damages, losses, costs or expenses, including without limitation, reasonable legal fees, arising out of or relating to your or any other person's use of your credentials or User Account in connection with: (a) use of the Services; (b) breach of this User Agreement or any other policy; (c) feedback or submissions you provide; or (d) violation of any rights of any other person or entity; provided however, that you shall not indemnify Tizer for claims or losses arising out of Tizer's gross negligence or willful misconduct. This indemnity shall apply to your successors and assigns and will survive any termination or cancellation of this User Agreement.

Any and all of our indemnities, warranties, and limitations of liability (whether express or implied) are hereby excluded to the fullest extent permitted under law except as set forth herein. We will not be liable, in contract, or tort (including, without limitation, negligence), other than where we have been fraudulent or made knowing misrepresentations. Nothing in this User Agreement excludes or limits liability which may not be limited or excluded under law.

6. Termination

Both you and Tizer may terminate this Contract at any time with notice to the other. On termination, you lose the right to access or use the Services.

Depending on the Services available to you in your User Account, you may be required to take certain actions in order to complete a pending transaction or providing additional information prior to closing such User Account. You are solely responsible for any fees already incurred or associated with the closing of your User Account, whether incurred directly by you from Tizer, or incurred by Tizer on your behalf with a third party in order to complete any such action. Closing your User Account may not result in the deletion of information we hold about you.

You agree and understand that Tizer reserves the right, in our sole discretion, to immediately suspend, freeze, or terminate your User Account or any Wallet in the event that you are suspected of having violated any provision of this User Agreement, believed to be in violation of Applicable Law, or are believed to be involved in activities or conduct detrimental to Tizer.

7. Governing Law and Dispute Resolution

You and Tizer agree that the laws of Estonia, excluding conflict of laws rules, shall exclusively govern any dispute relating to this Contract and/or the Services. You and Tizer agree that claims and disputes can be litigated only in Tallinn, Estonia, and we each agree to personal jurisdiction of the courts located in Tallinn, Estonia.
8. General Terms
If a court with authority over this Contract finds any part of it unenforceable, you and we agree that the court should modify the terms to make that part enforceable while still achieving its intent. If the court cannot do that, you and we agree to ask the court to remove that unenforceable part and still enforce the rest of this Contract.

To the extent allowed by law, the English language version of this Contract is binding and other translations are for convenience only. This Contract (including additional terms that may be provided by us when you engage with a feature of the Services) is the only agreement between us regarding the Services and supersedes all prior agreements for the Services.

If we don't act to enforce a breach of this Contract, that does not mean that Tizer has waived its right to enforce this Contract. You may not assign or transfer this Contract (or your membership or use of Services) to anyone without our consent. However, you agree that Tizer may assign this Contract to its affiliates or a party that buys it without your consent. There are no third-party beneficiaries to this Contract.

You agree that the only way to provide us legal notice is at the addresses provided in Section 11.

9. General risk factors

You agree and understand that there are risks associated with utilizing Services involving Cryptocurrencies including, but not limited to, the risk of failure of hardware, software and internet connections, the risk of malicious software introduction, and the risk that third parties may obtain unauthorized access to information stored within your Wallet, including, but not limited to your public and private keys. You agree and understand that Tizer will not be responsible for any communication failures, disruptions, errors, distortions or delays you may experience when using the Services, however caused.

You accept and acknowledge that there are risks associated with utilizing any Cryptocurrency network, including, but not limited to, the risk of unknown vulnerabilities in or unanticipated changes to the network protocol. You acknowledge and accept that Tizer has no control over any cryptocurrency network and will not be responsible for any harm occurring as a result of such risks, including, but not limited to, the inability to reverse a transaction, and any losses in connection therewith due to erroneous or fraudulent actions.

The risk of loss in using Services involving Cryptocurrencies may be substantial and losses may occur over a short period of time. In addition, price and liquidity are subject to significant fluctuations that may be unpredictable.

Cryptocurrencies are not legal tender and are not backed by any sovereign government. In addition, the legislative and regulatory landscape around Cryptocurrencies is constantly changing and may affect your ability to use, transfer, or exchange Cryptocurrencies.

10. Miscellaneous

If by reason in whole or in part of any Force Majeure Event, either you or Tizer is delayed or prevented from complying with this User Agreement, then such delay or non-compliance shall not be deemed to be a breach of this User Agreement and no loss or damage shall be claimed by you or Tizer by reason thereof. "Force Majeure Event" means any event beyond Tizer's reasonable control, including, but not limited to, flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction including network splits or "forks" or unexpected changes in a computer network upon which the Services rely.

It is your responsibility to determine what, if any, taxes apply due to your use of Tizer Services, and it is your responsibility to report and remit the correct tax to the appropriate tax authority. You agree that Tizer is not responsible for determining whether taxes apply to your Cryptocurrency transactions or for collecting, reporting, withholding or remitting any taxes arising from any Cryptocurrency transactions.

This User Agreement shall be binding on your successors, heirs, personal representatives, and assigns. You may not assign or transfer any of your rights or obligations under this User Agreement without prior written consent of Tizer, which may be withheld in Tizer's sole discretion. We may assign rights or delegate duties under this User Agreement to an affiliate or subsidiary in our sole discretion.

11. How To Contact Us

If you want to send us notices or service of process, please contact us by legal@tizer.io.

Although our users typically prefer to submit their inquiries in regards to our Privacy Policy or User Agreement by Email, we offer the option to write to us at this address: TizerWallet OÜ; Harju maakond, Tallinn, Lasnamäe linnaosa, Peterburi tee 47, 11415