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O2G LLC welcomes you. This is a Terms of Use and/or User Agreement between you (also referred to herein as “User,” or “customer”) and O2G, LLC (including o2gcoin.com, o2gpay.com (the “Website” or “Site”)), applications, or services, and any services that link to this User Agreement and Terms of Use (collectively, our “Services”). By accessing or using our website, platform, including our website, web app, mobile app, products, or services (collectively, our services), you indicate that you understand, accept, and consent to this Terms of use and User Agreement.
This Terms of Use ("Agreement" or “User Agreement”) governs your use of the services provided by O2G LLC described below and such other services that may be offered by O2G LLC from time to time. By signing up to use a our platform or service through O2G Websites (including o2gcoin.com, o2gpay.com (the “Website” or “Site”)), applications, or services, and any services that link to this User Agreement and Terms of Use (collectively, our “Services”) collectively, you agree that you have read, understand, and accept all of the terms and conditions contained in this Agreement including our Privacy Policy. By clicking on the “i accept” button, completing the registration process, downloading the software and/or browsing the site, you represent that (1) you have read, understand, and agree to be bound by the terms of this Agreement, (2) you are of legal age (at least 18 years old) to form a binding contract with O2G, and (3) you have the authority to enter into the terms personally or on behalf of the legal entity on for whom you are using the services. the term “you” refers to you individually or the legal entity on whose behalf the services are used, as applicable. if you do not agree to be bound by the terms, you may not access or use our services.
We may modify these terms from time to time which will be indicated by changing the version at the top of this page. If we make any material changes, we will notify you by email (sent to the email address specified in your account), by means of a notice on our Services prior to the change becoming effective, or as otherwise required by law. By Continuing to use the Site or Services following the release of updated Terms you consent to the updated Terms. We invite you to check this page regularly for updates to these Terms.
We believe and adhere to transparency, integrity, fairness and adherence to the rule of law. Except as described in this Privacy Policy, O2G LLC will not give, sell, rent or loan any personal information to any third party.O2G LLC collects personal information which is required under the law to open a O2G Account, for any activity including transactions.
In order to use any platform services including O2G Websites (including o2gcoin.com, o2gpay.com (the “Website” or “Site”)), applications, or services, and any services that link to this User Agreement and Terms of Use (collectively, our “Services”) collectively, you must signup and register to use the O2G Services. You must be at least 18 years old to signup and will need
to complete certain verification procedures before you are permitted to use the O2G platform. By signing up or registering, you agree and represent that you have created your O2G Account and you will use your O2G Account only for yourself, and not on behalf of any third party. You are fully responsible for all activity that occurs under your O2G Account. We may, in our sole discretion, refuse to open, suspend or terminate any O2G Account. To establish an account and access our services, we will ask you to provide us with some information about yourself. This information is either required by law (e.g., to verify your identity), necessary to provide the requested services. You agree to provide us with the information we request for the purposes of identity verification, providing O2G Services to you, and the detection of money laundering, terrorist financing, fraud, or any other financial crimes and permit us to keep a record of such information. The information we request may include certain personal information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, government identification, and information regarding your bank account (such as the name of the bank, the account type, routing number, and account number). You consent to us accessing, processing and retaining any personal information you provide to us for the purpose of us providing O2G Services to you. This consent is not related to, and does not affect, any rights or obligations we or you have in accordance with data protection laws, privacy laws and regulations. You can withdraw your consent at any time by closing your account with us. However, we may retain and continue to process your personal information if we reasonably believe it is necessary in order to comply with laws or regulations. In providing us with this or any other information that may be required, you confirm that the information is accurate and authentic. You agree to keep us updated if any of the information you provide changes. You authorize us to make inquiries, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud or other financial crime, and to take action we reasonably deem necessary based on the results of such inquiries. When we carry out these inquiries, you acknowledge and agree that your personal information may be disclosed to credit reference and fraud prevention or financial crime agencies and that these agencies may respond to our inquiries in full. This is an identity check only and should have no adverse effect on your credit rating. We reserve the right at all times to monitor, review, retain and/or disclose any information as necessary to satisfy any applicable law, regulation, sanctions programs, legal process or governmental request.
Marketplace
O2G is merchant of record on all transactions and will own a direct relationship with end users. O2G platform provides different products and services for users on its Site, including, the ability of a consumer to access the merchant network including but not limited to restaurants, dental Offices, convenience stores. O2G does not support Prohibited activities and Business Types as outlined in section “ Prohibited Use”. Nothing in the Offerings is intended to promote, market, validate, confirm, or support the views, opinions or statements of any person registered or using the Software. The Offerings are strictly intended as a directory of merchant network. Although
O2G works hard to provide quality Offerings, you understand and acknowledge that we cannot promise or guarantee specific results from using the Software or Offerings available on the Software. You understand and agree that temporary interruptions of the Software may occur as normal events that are out of our control. You also understand and agree that we have no control over the third-party networks or service(s) that we may use to provide you with Offerings. You agree that the Offerings available on the Software are provided “AS IS” and that we assume no responsibility
Prohibited Use
Prohibited Business Type | Description |
Adult services | Adult digital content, lingerie or passion parties, adult DVD rentals/sales, adult novelties, massage parlors (without licensed massage therapists), escort services, mail order bride services, dating/ match-making services. |
Auction services | Online auction services and pawn shops. |
ATM Operators | Operators of privately owned ATMs, with the exception of crypto ATMs and kiosks. |
Bankruptcy services | Bankruptcy attorneys, collection attorneys, factoring companies, or liquidation services. |
Controlled substances and drug paraphernalia | Narcotics, prescription drugs, steroids, or related paraphernalia or accessories, unless licensed and authorized by the jurisdiction in which the customer is based as well as by the jurisdiction in which the transaction takes place. Equipment or material that is for the making, using, or concealing illegal drugs. |
Court ordered payments | Court ordered payments, structured settlements, tax payments, tax settlements |
Credit repair services | Credit repair services, loan repayment facilitators, credit counseling, credit protection, identity theft protection or other services that may present consumer protection risks. |
Cyberlocking services | Sale of devices that are designed to block, jam, or otherwise interfere with cellular and personal communication services, police radar, global positioning systems, and wireless networking services. |
Debt collection | Collection agencies and any business engaged in the collection of debt, including those associated with medical billing, or factoring companies. |
Gambling | Gambling activities including but not limited to sports betting, casino games, horse racing, dog racing, games that may be classified as gambling (e.g. poker), bookmakers, lotteries, bingo, internet gambling, off-track betting, card clubs, or other activities that facilitate any of the foregoing, unless licensed and authorized by the jurisdiction in which the customer is based as well as by the jurisdiction in which the transaction takes place. |
Illegal activities | Businesses or transactions that appear to relate to any form of illegal activity, including but not limited to, money laundering, terrorist financing, human trafficking or political corruption. |
Intellectual property | Goods or services that infringe or violate any copyright, trademark, or proprietary rights under the laws of any jurisdiction. This includes the sale of counterfeit items and unauthorized replicas or copies of items, and applies to items both actual and virtual in nature. Examples include (but are not limited to) counterfeit watches, handbags or accessories, and unauthorized copies of software programs, video games, music, movies, television programs, photographs and IDs. Upon Circle’s request, you must provide records about the authenticity of your products. |
Precious metals and jewelry | Sales of or dealers in precious metals (coins, bullion, etc.), precious stones, and fine jewelry. |
Marijuana/CBD | Marijuana as well as CBD in any form for sale for any purpose, including medicinal or homeopathic, regardless of legal status. |
Multi-level marketing | Pyramid and Ponzi schemes, multi-level marketing programs, wealth creation programs, paid-to-click schemes and other similar programs that are not traditional and legitimate advertising businesses. |
Pay-day lenders | Pay-day lending, short term cash loans, title loans, and cash advance services. |
Ransomware | Ransomware services, including cyber incident response and data-breach response. |
Shell banks and financial institutions | Banks or other financial institutions registered in a jurisdiction in which they have no physical presence. |
Unlicensed money service businesses | Any unlicensed money service business, including money transmitter and currency exchange. |
Weapons | Manufacturing, building or assembling weapons of any kind, including but not limited to, firearms, ammunition, knives, explosives, or related accessories. |
Other businesses |
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Purchase & Sale Transactions
All the purchases can be done using: (i) a valid bank account in the name that matches the name on your O2G Account; (ii) ACH funds from USD bank account. Your purchase must follow the relevant instructions on the O2G platform. O2G reserves the right to cancel any transaction not confirmed by you within 5 mins after notification through email, text and other user authorized notification methods. O2G will cancel the transaction and notify you of such cancellation. You will not be charged for a cancelled transaction. By confirming to “Submit Payment” option on the O2G Site to authorize payments for eligible transactions with us or any of our affiliates, including any amount owing pursuant to any credit agreement you may enter into with us or any of our affiliates. With this option, you can authorize us or our affiliates to make a charge to your linked deposit account through the ACH network. You will select and approve the dollar amount and transaction date for each payment transaction you authorize. We and our affiliates reserve the right to limit the amount and date of these charges, screen transactions, and take other steps for our own risk management and business reasons. Although we or our affiliates will try to notify you if your depository institution is unable or unwilling to process any charges using your Preferred Payment Method, you agree we are not required to do so and you are still required to make payments in the time and manner required by your credit agreement with us or any of our affiliates.
You cannot cancel, reverse, or change any transaction marked as complete or pending. If your payment is not successful, if your payment method has insufficient funds, or if you reverse a payment made from funds in your bank account, you authorize O2G, in its sole discretion, either to cancel the transaction or to debit your other payment methods, including linked bank accounts, in any amount necessary to complete the transaction. You are responsible for maintaining an adequate balance and/or sufficient credit limits in order to avoid overdraft, non-sufficient funds (NSF), or similar fees charged by your payment provider. We reserve the right to refuse to process, or to cancel, correct, clawback, or reverse, Transaction or Transfers in our sole discretion, even after funds have been debited from your account(s), in response to a subpoena, court order, or other government order; or if we suspect the transaction may: involve money laundering, terrorist financing, fraud, or any other type of financial crime; be erroneous; or relate to a Prohibited Use or a Prohibited Business as set forth in prohibited use. In such instances, O2G will reverse the transaction and we are under no obligation to reinstate a purchase or sale order on the same terms as the canceled transaction.
Payment Services Partners
O2G may use a third party payment processor to process any US Dollar payment between you and O2G, including but not limited to payments in relation with the transactions
Rewards
Reward Points can be redeemed in USD Dollars or can be used towards future transactions . For Details please refer to o2gpay.com/rewards.
Eligibility
If you are eligible, you can earn rewards as described in the “Calculation” section (“ Rewards”). If at any time you do not hold at least $1 of USD in your O2G Account, your enrollment in USD Rewards will be paused until such time that you do hold at least $1 of USD in your O2G Account. During such period you will retain all Rewards previously accrued but not yet distributed. Such accrued rewards will be distributed as described below in the “Calculation” section. If at any time you are deemed ineligible your enrollment in Rewards will be similarly paused. You can opt-out of, or back into, Rewards at any time. If you opt-out of Rewards or close your O2G Account, you will forfeit the rewards you have accrued (that are not yet distributed for the current calendar month) up to that time.
Calculation
Rewards earned in a particular month are credited into your O2G account after twenty (20) days after the start of the next calendar month. Rewards distributed to you are rounded-down to the nearest 2nd decimal place. We use the Daily Balance Method to determine the rewards you earn for a particular day.
Changes
We reserve the right to change the USDC Rewards Rate Annual Percentage Yield at any time by notification (including e-mail). Unless otherwise stated in the notice, no change will be effective until the first day of the calendar month after such notice is made. We reserve the right to add, change, or delete any provision of these terms and to terminate the rewards program, or your participation in the program, at any time upon notice made in the same manner.
O2G INTELLECTUAL PROPERTY.
Content
For purposes of these Terms, “content” is defined as any information, communications, software, published works, photos, video, graphics, music, sounds, or other material that can be viewed by users on our Site and is owned by O2G or its Affiliates.
Ownership of Content.
By accepting these Terms, you agree that all content presented to you on the Software is protected by any and all intellectual property and/or other proprietary rights available within the United States, and is the sole property of O2G or its Affiliates. All custom graphics, icons, logos and service names are registered trademarks, trademarks or service marks of O2G Inc. or its Affiliates. All other trademarks or service marks are property of their respective owners. Nothing in these Terms of Use grants you any right to use any trademark, service mark, logo and/or the name of O2G Inc. or its Affiliates.
Limitations on Use of Content. Except for a single copy made for personal use, you may not copy, reproduce, modify, republish, upload, post, transmit, or distribute any content from the Software in any form or by any means whatsoever without prior written permission from us. Any unauthorized use of Site content violates our intellectual property interests and could result in criminal or civil penalties.
Term and Termination.
The Terms commence on the date when you accept them (as described above) and remain in full force and effect for so long as you access or use the Software, Site, or Services, unless terminated. O2G may, at any time and for any reason, cease providing any or all of the Software, Site, or Services, and/or terminate the Terms. Without limiting the foregoing, we may also terminate your access to any or all of the O2G content. These Terms will be of no further force and effect with respect to you if you cease all use of the Services and Software and no longer visit the Site.
Electronic Fund Transfers (EFTs) and Account Balances. O2G partners with financial services software company Dwolla and Dwolla's associated banking services providers member FDIC, to offer you electronic fund transfers (EFTs). By creating a O2G account and initiating bank deposits or withdrawals, you agree to Dwolla’s terms of service, https:// https://www.dwolla.com/legal/dwolla-account-terms-of-service/, Dwolla’s acceptable use policy, https://www.dwolla.com/legal/dwolla-account-terms-of-service/ acceptable-use-policy/, and Dwolla account agreement, https:// https://www.dwolla.com/legal/dwolla-account-terms-of-service/, (together, the “Partner Terms”). You must comply with the Partner Terms when creating or using your O2G Account. The Partner Terms may be modified from time to time, and the governing versions are incorporated by reference into these Terms of Use. Any term not defined in this section but defined in the Partner Terms assumes the meaning as defined in the Partner Terms. IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE PARTNER TERMS BECAUSE THEY CONTAIN TERMS AND CONDITIONS CONCERNING YOUR O2G ACCOUNT, INCLUDING BUT NOT LIMITED TO LIMITATIONS, REVERSALS, AND ARBITRATION PROVISIONS, AND YOUR RELEVANT RIGHTS AND LIABILITIES.
DISCLAIMER.
ALL CONTENT AND OFFERINGS ON THE SOFTWARE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THE WARRANTY OF NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT (A) THE CONTENT OR OFFERINGS WILL MEET YOUR REQUIREMENTS, (B) THE CONTENT, OFFERINGS OR SOFTWARE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE CONTENT OR OFFERINGS OFFERED WILL BE EFFECTIVE, ACCURATE OR RELIABLE, OR (D) THE QUALITY OF ANY CONTENT OR OFFERINGS PURCHASED OR OBTAINED BY YOU FROM THE SOFTWARE FROM US OR OUR AFFILIATES WILL MEET YOUR EXPECTATIONS OR BE FREE FROM MISTAKES, ERRORS OR DEFECTS.
THE SOFTWARE COULD INCLUDE TECHNICAL OR OTHER MISTAKES, INACCURACIES OR TYPOGRAPHICAL ERRORS. WE MAY MAKE CHANGES TO THE CONTENT AND OFFERINGS AT THE SOFTWARE, INCLUDING THE PRICES AND DESCRIPTIONS OF ANY PRODUCTS OR OFFERINGS LISTED HEREIN, AT ANY TIME WITHOUT NOTICE. THE CONTENT OR PRODUCTS AVAILABLE ON
THE SOFTWARE MAY BE OUT OF DATE, AND WE MAKE NO COMMITMENT TO UPDATE SUCH CONTENT OR PRODUCTS.
THE USE OF THE OFFERINGS OR THE DOWNLOADING OR OTHER ACQUISITION OF ANY PRODUCTS OR CONTENT THROUGH THE SOFTWARE IS DONE AT YOUR OWN DISCRETION AND RISK AND WITH YOUR AGREEMENT THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM SUCH ACTIVITIES.
WE RESERVE THE SOLE RIGHT TO EITHER MODIFY OR DISCONTINUE THE SOFTWARE, INCLUDING ANY OFFERINGS OR FEATURES THEREIN, AT ANY TIME WITH OR WITHOUT NOTICE TO YOU. WE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY SHOULD WE EXERCISE SUCH RIGHT. MODIFICATIONS MAY INCLUDE, BUT ARE NOT LIMITED TO, CHANGES IN THE PRICING STRUCTURE, THE ADDITION OF FREE OR FEE-BASED SERVICES, OR CHANGES TO LIMITATIONS ON ALLOWABLE CONTENT, FILE SIZES OR FILE TYPES. ANY NEW FEATURES THAT AUGMENT OR ENHANCE THE THEN-CURRENT OFFERINGS ON THE SOFTWARE SHALL ALSO BE SUBJECT TO THESE TERMS OF USE.
UNDER NO CIRCUMSTANCES WILL O2G BE LIABLE TO YOU FOR DAMAGES ARISING OUT OF THE USE OF OUR SOFTWARE, SITE, OR SERVICES EXCEEDING $1000.
LIMITATION OF LIABILITY & INDEMNIFICATION.
Your exclusive remedy and our entire liability, if any, for any claims arising out of these Terms and your use of the Software shall be limited to the amount you paid us for products and services purchased on the Software during the current month period before the act giving rise to the liability.
IN NO EVENT SHALL WE OR OUR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, PUNITIVE, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA OR PROFIT LOSS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SOFTWARE OR OF ANY WEBSITE REFERENCED OR LINKED TO FROM THE SOFTWARE.
FURTHER, WE SHALL NOT BE LIABLE IN ANY WAY FOR THIRD PARTY PROMISES REGARDING OUR OFFERINGS OR CONTENT OR FOR ASSISTANCE IN CONDUCTING COMMERCIAL TRANSACTIONS WITH THE THIRD PARTY THROUGH THE SOFTWARE, INCLUDING WITHOUT LIMITATION THE PROCESSING OF ORDERS.
SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. PLEASE CONSULT THE LAWS IN YOUR JURISDICTION.
You agree to defend, indemnify, and hold us and our Affiliates harmless from all liabilities, claims, and expenses, including attorneys’ fees that may arise from your use or misuse of the Software. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
You agree that any dispute or claim relating in any way to your access or use of the Site, Services, or Software, or to any aspect of your relationship with O2G, will be resolved by binding arbitration, rather than in court, except that (1) you may assert claims in small claims court if your claims qualify, so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis; and (2) you or O2G may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, domain names, trade secrets, copyrights, and patents). This Arbitration Agreement will apply, without limitation, to all claims that arose or were asserted before the Effective Date of this Agreement or any prior version of this Agreement.
IF YOU AGREE TO ARBITRATION WITH O2G, YOU ARE AGREEING IN ADVANCE THAT YOU WILL NOT PARTICIPATE IN OR SEEK TO RECOVER MONETARY OR OTHER RELIEF IN ANY LAWSUIT FILED AGAINST O2G ALLEGING CLASS, COLLECTIVE, AND/OR REPRESENTATIVE CLAIMS ON YOUR BEHALF. INSTEAD, YOU MAY BRING YOUR CLAIMS AGAINST O2G IN AN INDIVIDUAL ARBITRATION PROCEEDING. IF SUCCESSFUL ON SUCH CLAIMS, YOU COULD BE AWARDED MONEY OR OTHER RELIEF BY AN ARBITRATOR. YOU ACKNOWLEDGE THAT YOU HAVE BEEN ADVISED THAT YOU MAY CONSULT WITH AN ATTORNEY IN DECIDING WHETHER TO ACCEPT THESE TERMS, INCLUDING THIS ARBITRATION AGREEMENT.
We welcome your comments or questions. If you have questions related to this agreement, you may contact us at support@o2gpay.com.