Terms of Service

About these terms

These Terms of Service (“terms”) are an agreement between you and AINA Technologies LLC, a Colorado limited liability company (Colorado entity ID 20261877839), of 1500 N Grant St, Ste 45878, Denver, CO 80203, United States (“AINA”, “we”, “us”). AINA operates Shft Money. These terms cover the website at shft.money, the Shft Money app, public business pages, payment links, checkout, website embeds, stream alerts and overlays, and related services (together, “Shft Money”).

By opening an account, accepting a team invitation or otherwise using Shft Money, you agree to these terms and to our Acceptable Use Policy, which is part of them. Our Privacy Policy and Cookie Notice explain how we handle personal data. If you don't agree, don't use Shft Money.

If you use Shft Money for a company or other organisation, you confirm that you are allowed to accept these terms for it. “You” then means both you and that organisation.

AINA's general terms at useaina.com/terms allow each AINA product to publish its own terms. For Shft Money, these terms apply instead of AINA's general terms.

Shft Money is software, not a bank

Shft Money is software. AINA is not a bank or other financial institution. We don't hold your money, take deposits or pay interest.

Payments, balances, withdrawals, business payments, adding money, crypto and gold conversions and cards are provided by Whop, Inc. and its affiliates (“Whop”) and their financial partners, such as banks and card issuers. Your business on Shft Money is a Whop account in your name (“your Whop account”). You are its owner, and it is connected to our platform.

Your balance is not a deposit with us, and no deposit insurance or protection scheme covers it through us. See Your balance and How your money is held.

Whop's terms also apply

To receive payments or use money features, you must accept and follow Whop's terms for your Whop account. They include:

• Whop's Terms of Service, or its Terms of Service for the rest of the world, depending on where you are;
• Whop's Seller Terms, which apply to everything you sell;
• Whop's Prohibited Products and Services policy and Community Guidelines;
• Whop's Wallet Terms, if you hold or convert crypto or gold;
• Whop's U.S. Card Business Terms and the card issuer's terms, if you apply for a card; and
• Whop's Privacy Policy, for the data Whop collects.

People who pay you do so under Whop's Buyer Terms. You accept Whop's terms with Whop, for example when you verify your identity. They are a separate agreement between you and Whop.

Breaking Whop's terms also breaks these terms. Whop and its financial partners can refuse, hold, delay or reverse payments and payouts, keep reserves, and limit, suspend or close your Whop account under their terms. We can't override their decisions.

If these terms and Whop's terms conflict about how money is received, held, moved or returned, Whop's terms apply to that part.

Whop is not responsible for Shft Money

Shft Money is our app, built on Whop's platform. We alone, not Whop, are responsible for the Shft Money app, including how it is built, marketed, supported and made available to you, and how we handle data in it. Whop is not liable for faults in the app or for harm caused by using it, and Whop doesn't provide support for it.

Contact us at support@shft.money for help with Shft Money. Contact Whop for help with your Whop account itself, how a payment was processed, or a payout.

Who can use Shft Money

To open an account, join a team or use Shft Money for a business:

• You must be at least 18 years old and legally able to enter into a binding contract where you live.
• Shft Money is for business use only. Sole traders, freelancers and creators who are paid for their work count as businesses. It is not for personal, family or household payments.
• You must give accurate and complete information and keep it up to date.
• You must not be located, organised or ordinarily resident in a country or region subject to comprehensive US sanctions. You must not be named on a sanctions list kept by the United States (such as the Specially Designated Nationals list), the United Nations, the European Union or the United Kingdom, or be owned or controlled by someone who is. You must follow export control laws.
• Each business has one owner: the person who opened it. The owner must be the person the business belongs to, or be authorised to act for it. Ownership can't be shared.
• Some features depend on your country and on Whop verifying you. Whop decides which features your account can use, and we show you what Whop reports.
• If you, or anyone acting for you, has been removed from Shft Money or Whop, you may not open a new account without our written permission.

Your login, your business and your team

You sign in with a login: an email address and a password. A business on Shft Money holds your page, products, payments and money. The person who opens the business is its owner.

The owner can invite other people with one of these roles:

• Admin: runs the business and the team. Can't move money.
• Member: products, alerts and payments. No access to money or the team.
• Accountant: read-only access to money, payments and reports.

Only the owner can move money or complete verification. You are responsible for everything done with your login, and the owner is responsible for who they invite and for what their team does in the business. Remove people who should no longer have access.

Keep your password secret and don't share your login. If you think someone else has used your account, tell us straight away at support@shft.money. Whop may require the owner to turn on two-factor authentication with Whop before withdrawing or sending payments.

Identity and business verification

Before you can receive payouts or move money, Whop and its financial partners verify your identity and, where needed, your business. This is often called KYC and KYB. Verification runs in Whop's secure frame on our pages. Your documents go to Whop, not to us, and we don't see them.

We see the result: whether you are verified, whether Whop needs anything else from you, and your account's country. Whop decides whether to approve you and can ask for more information at any time, including after you are verified. If you don't pass or keep up with verification, Whop can stop payouts, limit features, or suspend or close your Whop account.

What Shft Money does

Depending on your country and what Whop enables for your account, you can:

• Get paid with payment links and checkout. Sell a service or product through a link, a checkout page or a button on your own site. Buyers pay through Whop's checkout.
• Receive tips during live streams. Viewers tip from your page. Their name and message can appear on your stream and on your page. Tippers can choose to add the fees on top, so you keep closer to the amount they chose.
• See your balance and activity. Your balance comes from Whop's records.
• Withdraw to payout methods in your own name.
• Convert part of your balance to crypto or gold and back, where Whop offers it. See Crypto and gold.
• Use a card, if you are an eligible US business. See The card.
• Pay other businesses on Whop (when available).
• Add money to your balance (when available).

Features marked “when available” are not offered yet. These terms will apply to them when we switch them on for your account, together with any extra terms we show you at that time.

Invoices, books, the Pro plan and US company formation are coming soon. They are not part of the service until we launch them, and they may come with extra terms.

We may add, change or remove features. If we remove a feature you pay for, we will tell you in advance where we reasonably can.

Selling and getting paid

You are the seller and the supplier of what you sell. Whop processes each payment as the merchant of record for card network and payment settlement purposes, and sends buyers their receipts. Buyers may see “WHOP” on their card statement. Your pages, listings and messages must present you as the seller and supplier, never Whop or Shft Money.

You are responsible for:

• running your business lawfully in every place where you sell;
• describing what you sell accurately and completely, including the price, what the buyer gets, how it is delivered and how long the buyer has access. Don't offer “lifetime” or unlimited access: state the actual period;
• honouring the prices you show, and delivering what you sell;
• your refund policy, your customer support, and any cancellation or refund rights buyers have by law;
• making sure any claims about results or earnings are true and backed up; and
• the taxes on your sales and income (see Fees and taxes).

Money you receive shows as pending first and becomes available when Whop releases it. Whop can change your page, listing or checkout requirements to meet its rules, and you must make the changes it asks for.

If you pay a business or visit a page

When you pay a business through Shft Money, you pay that business, not us. Whop processes the payment under its Buyer Terms. The business is responsible for what it sells, for delivering it and for its refund policy. Contact Whop about a problem with the payment itself, such as a duplicate charge, and contact the business about what you bought. Your rights to dispute a charge with your card issuer are not affected.

A tip is a payment to the business to support its work. Whether a tip can be refunded depends on the business, on Whop's Buyer Terms and on your rights under the law.

Names and messages you add to a tip can appear on the business's live stream and public page, so they must follow our Acceptable Use Policy. You can hide your name from the public support wall.

If you are under 18, you may pay only where Whop's Buyer Terms allow it and with the permission of a parent or guardian.

Refunds, disputes, holds and negative balances

These rules come from Whop's Seller Terms, which set the details and the current numbers.

• Refunds. You decide refunds under your own policy, and Whop processes them. Buyers may also have legal rights to cancel or get a refund where they live, which you must honour. A refund comes out of your balance.
• Disputes. If a buyer disputes a payment with their card issuer (a chargeback), you are responsible for it. The amount and Whop's dispute fee come out of your balance. You must keep your dispute rate below the limit in Whop's Seller Terms.
• No billing tricks. Don't split transactions, add small charges to lower your dispute rate, or retry declined cards more often than Whop allows.
• Holds and reserves. Whop or its financial partners can hold some or all of your funds, delay payouts, or keep a reserve, for example for new accounts, high refund or dispute rates, long delivery times, unusual activity or incomplete verification, for as long as Whop's terms allow.
• Negative balances. If refunds, disputes and fees are more than your balance, you owe the difference straight away. Whop can recover it from your balance and future payments, from a bank account linked to your Whop account, or by other collection steps, and can charge interest under its terms. This continues after an account is closed.
• Our fee. A refund or a chargeback doesn't return our fee on that payment. See Fees and taxes.

Your balance

Your balance is held by Whop's financial partners, not by us. Whop's terms explain where it is held and whether any protection applies. Whop's terms say US balances are not covered by FDIC deposit insurance. Don't assume your balance is insured.

Check your activity regularly. If something looks wrong, report it to Whop and to us straight away. Whop's terms give only a short time to report errors in your balance (currently 7 days). Whop can reverse a transaction to correct an error.

Fees and taxes

We charge:

• a fee on each payment you receive through Shft Money, such as tips and sales through links and checkout. It is a percentage of the payment, and Whop collects it for us at the same time as the payment; and
• a service fee on some money services, such as some withdrawal methods, crypto and gold conversions, business payments and adding money. It is added to Whop's own fee for that service.

Our current prices, plans and promotions are on our pricing page. Whop charges its own fees for payment processing, disputes, withdrawals, transfers and conversions; they are listed in Whop's fees. Every fee for a money action is shown before you confirm it, and fees appear in your activity. Plans and promotions, such as a period with no Shft Money fee, change only our fee, not Whop's. When a promotion ends, the standard price applies.

Changes to our fees

We will tell you by email or in the app at least 30 days before a higher fee or a new fee applies to you. We may lower a fee at any time, with immediate effect. A fee change never applies to a payment that has already been made.

Refunds and chargebacks

Our fee is not refunded when you refund a buyer, when a buyer wins a chargeback or other dispute, or when a payment is reversed, unless the law requires otherwise. Whop's own fees on refunds and chargebacks follow Whop's terms.

Taxes

You are responsible for all taxes that apply to your business, your sales and your income, including collecting and paying sales tax, VAT or GST where you must, unless Whop collects them for you under its terms. Our prices don't include taxes. Where the law requires us to charge tax on our fees, we will add it and show it. Where the law requires you to account for tax on our fees yourself, for example under a reverse charge, you must do so. We don't give tax advice.

Amounts you owe

Refunds, chargebacks, dispute fees and negative balances are handled under Whop's terms. Whop can recover them from your balance, from future payments, and by the other means its terms allow.

Withdrawals, business payments and adding money

• Only the owner of a business can withdraw, convert or send money.
• Withdrawals go only to payout methods that belong to the account holder, such as a bank account in your name. Which methods you can use, and their fees, limits and timing, depend on your country and are shown before you confirm. You can't withdraw until Whop has verified you.
• Business payments (when available) can go only to another business with a Whop account, and only to pay for real goods or services supplied between businesses. Each payment needs a true purpose and the invoice or reference it pays. Business payments are never for person-to-person payments, gifts, remittances, sending money to friends or family, or moving money for someone else. Limits apply and are shown before you confirm. We or Whop may ask for evidence, such as the invoice, and may refuse a payment that seems to break these rules.
• Adding money (when available): where Whop offers it, you may add money to your balance under Whop's terms, only from a bank account or wallet that belongs to you.
• Check the details before you confirm. Once a withdrawal or payment is sent, it may not be possible to reverse it.

We start a withdrawal, conversion, business payment or deposit only when the owner asks for it in the app. Whop and its partners can also act on your Whop account under their own terms.

Crypto and gold: important risks

Where Whop offers it for your account, you can convert part of your balance into crypto assets, such as stablecoins or wrapped bitcoin, or into a token backed by gold, and back again. Whop and its partners provide this service and the wallet that holds these assets, under Whop's Wallet Terms. We show it in the app and may charge a service fee on each conversion, shown before you confirm. We never hold your crypto or gold, or the keys to it.

The card

• We do not issue a card of our own. The only card in the app is Whop's card (shown as the Whop card), available only to eligible businesses in the United States, where Whop offers it. It is issued by Whop's card-issuing bank partner under Whop's U.S. Card Business Terms and the issuer's terms, which you accept when you apply. We don't issue the card.
• The card is for business purchases only.
• Whop and the issuer decide who can have a card, and can limit, suspend or close it under their terms.
• Report a lost or stolen card, or a charge you don't recognise, as the card terms say and within their deadlines.
• When you use the card, merchants pay fees to the card network and the issuer (called interchange). Whop may share part of those fees with us. This doesn't change what you pay.

Our access to your Whop account, and data we share with Whop

Because your Whop account is connected to our platform, Whop gives us technical access to it. We use that access to read your balance, payments, payouts and verification status, and to carry out what you ask. Under Whop's platform model, a platform can also move money from a connected account and restrict or close it. This access can't be limited to read-only.

We use this access only to provide Shft Money. We move money from your account only when you, as the owner, ask us to in the app, or where the law requires it. We may ask Whop to restrict an account that breaks these terms or the Acceptable Use Policy. How your money is held explains how we protect this access.

To run the service, we share information about you and your business with Whop, and Whop shares information about your account and payments with us. Our Privacy Policy explains what we share, and Whop's Privacy Policy explains how Whop uses it.

Rules for using Shft Money

You must follow our Acceptable Use Policy, which lists the businesses and uses we don't allow, and Whop's rules listed above. You must not:

• break the law, or help anyone else to;
• give false information or pretend to be someone else;
• try to get around verification, limits, fees or a suspension;
• interfere with, probe, overload or scrape Shft Money, use it through automated means we haven't allowed, or copy, reverse engineer or resell it; or
• let someone else use your login, or use Shft Money to receive or move money for other people.

Your content

You own what you add to Shft Money, such as your page, product descriptions, images, links and messages (“your content”). You give us a worldwide, non-exclusive, royalty-free licence to host, store, copy, display and adapt your content, and to let our service providers and Whop do the same, as needed to run and improve Shft Money. For example, we use it to show your public page, checkout and stream alerts. The licence ends when you remove the content or close your account, except for copies we must keep by law, copies in backups for a limited time, and content that other people have already received, such as a tip message shown on a stream.

You confirm that you have the rights to your content and that it doesn't break the law or anyone else's rights. We may remove content that breaks these terms or the law. Whop's Seller Terms separately allow Whop to use your business name and logo to promote its services.

Your public page shows your business name, handle, bio, links and recent tips on a support wall. Tippers can hide their name from the wall. Tip messages can appear on your stream when you turn messages on.

If you send us ideas or feedback, we may use them without any obligation to you.

Copyright complaints

We respect intellectual property rights and respond to notices of copyright infringement under the US Digital Millennium Copyright Act (DMCA) and similar laws. Our designated agent for notices is:

Copyright Agent, AINA Technologies LLC, 1500 N Grant St, Ste 45878, Denver, CO 80203, United States. Email: legal@shft.money.

To report infringement

Send a written notice that includes:

1. your physical or electronic signature, as the copyright owner or someone authorised to act for them;
2. a description of the copyrighted work;
3. the material you say infringes it, and where it is on Shft Money, such as the page address;
4. your name, postal address, phone number and email address;
5. a statement that you believe in good faith that the use is not authorised by the owner, its agent or the law; and
6. a statement that the information in your notice is accurate and, under penalty of perjury, that you are the owner or are authorised to act for the owner.

If your content was removed

If we remove your content after a notice and you believe it was removed by mistake or misidentification, you can send us a counter notice. It must include your physical or electronic signature; a description of the removed material and where it appeared; a statement under penalty of perjury that you believe in good faith it was removed by mistake or misidentification; your name, address and phone number; and a statement that you consent to the jurisdiction of the US federal district court for your address (or, if you are outside the United States, any judicial district where we may be found) and will accept service from the person who sent the notice. We may restore the material 10 to 14 business days after we receive a valid counter notice, unless the person who sent the notice tells us they have started a court action.

A person who knowingly makes a false claim in a notice or counter notice may be liable for damages.

Repeat infringers

We close the accounts of people who repeatedly infringe copyright, in appropriate circumstances. Send complaints about other intellectual property, such as trademarks, to legal@shft.money.

Our name and software

“Shft”, “Shft Money” and the Shft logos are trademarks of AINA Technologies LLC. The Shft Money software, design and content, other than your content and Whop's, belong to AINA or its licensors.

While you follow these terms, we give you a limited, non-exclusive, non-transferable right to use Shft Money for your business. You may not use our trademarks without our written permission. “Whop” and Whop's marks belong to Whop.

Suspension and closing an account

You can stop using Shft Money at any time. To close your Shft Money account, email support@shft.money from the email address on your login. Withdraw your balance before you close it.

Closing your Shft Money account doesn't close your Whop account. The Whop account is yours and stays subject to Whop's terms.

We may limit or suspend your access, or close your account, if:

• you break these terms, the Acceptable Use Policy or Whop's terms;
• we reasonably believe your account creates a risk of fraud, abuse, illegal activity or loss for you, your buyers, Whop or us;
• the law, a court or a regulator requires it;
• Whop or one of its financial partners limits, suspends or closes your Whop account, asks us to act, or stops serving you; or
• we stop offering Shft Money, or part of it.

We will tell you why when we are allowed to, and give you notice where we reasonably can. If the law where your business is established requires a notice period or a statement of reasons before we restrict or close your account, we will follow it.

What happens to money in your Whop account is decided under Whop's terms. If Whop limits or closes your Whop account, it can use your balance to cover refunds, disputes, fees and other amounts owed, refund buyers whose orders weren't delivered, withhold funds linked to fraud or illegal activity, and deal with unclaimed funds as the law requires. Otherwise, money in your Whop account stays available to you under Whop's terms.

We keep some records after an account closes, as the Privacy Policy explains. Parts of these terms that by their nature should continue, such as amounts owed, the content licence for copies we keep, disclaimers, limits on liability, indemnity and dispute terms, continue after closure.

Availability

We work to keep Shft Money available and accurate, but we can't promise it will always be available or free of errors. Shft Money depends on Whop and other providers. When they have problems, parts of Shft Money may not work. We may pause the service for maintenance or security.

Whop can limit or end our access to its platform. If that happens, Shft Money, or parts of it, may stop working. Your Whop account and its balance are with Whop, in your name, and Whop's terms decide how you can use them.

No advice, and disclaimers

We don't give financial, investment, tax or legal advice. Information in the app, including estimates of fees and arrival times, is general guidance.

To the extent the law allows, Shft Money is provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title and non-infringement. We don't promise that Shft Money will meet your needs or that it will be uninterrupted, secure or free of errors.

We are not responsible for services that others provide, including Whop and its partners, card networks, banks, blockchains, streaming software, or websites we link to.

Limits on our liability

Nothing in these terms limits or excludes liability that the law does not allow us to limit or exclude, such as liability for fraud, gross negligence or wilful misconduct, or for death or personal injury caused by negligence. Nothing in these terms takes away rights that the law says cannot be changed by contract.

Subject to that, and to the extent the law allows:

• we are not liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenue, business, goodwill or data;
• we are not liable for losses caused by Whop or its partners (including holds, reserves, reversals and account closures), by your buyers or team, or by events outside our reasonable control; and
• our total liability to you for all claims about Shft Money or these terms is limited to the greater of (a) the Shft Money fees you paid us, including fees Whop collected for us, in the 12 months before the event that gave rise to the claim, and (b) US$100.

These limits apply to every kind of claim, whether in contract, tort (including negligence) or otherwise, even if we were told the loss was possible.

Claims about your business

To the extent the law allows, you will defend and indemnify AINA and its members, managers, employees and agents against claims, losses, liabilities, fines and reasonable costs, including legal fees, that arise from:

• your business and what you sell;
• your content;
• taxes on your sales, income or payments;
• what your team does in your business;
• disputes between you and your buyers, tippers or anyone else; or
• your breach of these terms, Whop's terms or the law, or of anyone else's rights.

We will tell you promptly about a claim we want you to cover. We may take part in, or take control of, the defence with our own lawyers. You may not settle a claim that affects us without our written consent.

Disputes and arbitration

Please read this section carefully. It affects how you and we resolve disputes, and it includes a waiver of class actions and jury trials.

Governing law

These terms, and any dispute about them or about Shft Money, are governed by the laws of the State of Colorado and applicable US federal law, without regard to conflict of laws rules. The Federal Arbitration Act governs this section.

Try to resolve it with us first

Before starting arbitration or a court claim, email legal@shft.money with your name, the email address on your login, a description of the problem and what you want. If we have a claim against you, we will email you at the address on your login. We will both then try in good faith to resolve the dispute within 30 days. Deadlines for bringing a claim are paused during that time.

Binding individual arbitration

If we can't resolve it within 30 days, you and we agree that any dispute, claim or controversy arising out of or relating to these terms or Shft Money will be resolved by binding individual arbitration, not in court, except as set out below. The arbitrator decides questions about the scope and enforceability of this agreement to arbitrate, except that a court decides questions about the class action waiver.

• Administrator and rules. The American Arbitration Association (AAA) administers the arbitration under its Consumer Arbitration Rules where those rules apply, and otherwise under its Commercial Arbitration Rules, in each case as changed by this section.
• Place and hearings. The arbitration is seated in Denver, Colorado. Hearings may take place by video or phone, and either of us may ask for that. An in-person hearing takes place in Denver, Colorado, unless we both agree otherwise or the applicable rules require a place closer to you.
• Costs. Filing, administration and arbitrator fees are paid as the AAA rules say. If you show that the costs of arbitration would be prohibitive compared with a court claim, we will pay as much of them as the arbitrator decides is needed to prevent that. Each side pays its own lawyers unless the law or the rules allow the arbitrator to decide otherwise.
• Relief. The arbitrator can award the same individual relief a court could, but only in favour of the individual party asking for it and only as far as needed for that party's own claim. Any court with jurisdiction may enter judgment on the award.
• Many similar claims. If 25 or more similar demands are filed against us or against you by the same or coordinated lawyers or organisations, the AAA's supplementary rules for mass arbitrations apply, and the demands may be administered in batches.

Exceptions

• Either of us may bring an individual claim in small claims court, if it qualifies and stays there.
• Either of us may ask a court for an injunction or similar order to stop the infringement or misuse of intellectual property, or unauthorised access to or misuse of Shft Money.

Apart from small claims, court claims allowed by these terms, and any claim that is not arbitrated, must be brought in the state or federal courts located in Denver, Colorado, and you and we consent to their jurisdiction, unless your local law gives you the right to use your local courts.

No class actions and no jury trials

You and we may bring claims against each other only individually, and not as a plaintiff or class member in any class, collective, consolidated or representative proceeding. The arbitrator may not combine the claims of more than one person or preside over any form of class or representative proceeding. You and we both give up any right to a jury trial.

Opting out

You can opt out of this agreement to arbitrate within 30 days after you first accept these terms. Email legal@shft.money from the email address on your login, with your name, your business handle and a clear statement that you opt out of arbitration. If you opt out, the rest of these terms still apply, disputes go to the courts in Denver, Colorado, and the class action and jury trial waivers still apply to the extent the law allows. Opting out doesn't affect any agreement you have with Whop.

If part of this section can't be enforced

If a court decides that the class action waiver can't be enforced for a particular claim or form of relief, that claim or relief (and only that) will be decided in court, after any arbitration of the other claims has finished. If any other part of this section can't be enforced, the rest of it still applies.

Changes to this section

If we change this section, the change won't apply to a dispute that either of us already knew about. You can reject the change by emailing legal@shft.money within 30 days after it takes effect, and this section as it was before the change will continue to apply to you.

Time limit for claims

To the extent the law allows, any claim relating to these terms or Shft Money must be brought within one year after it arises. If it isn't, it is permanently barred.

Disputes with Whop

Disputes with Whop about your Whop account, a payment or a payout are governed by Whop's terms, which have their own dispute and arbitration rules.

If you are outside the United States

People use Shft Money in many countries. If the law where you live or where your business is established gives you rights or protections that can't be excluded or limited by contract, including rights as a consumer, the right to use the law of your country, or the right to bring a claim in your local courts, nothing in these terms takes them away.

In that case, the choice of Colorado law, the agreement to arbitrate, the class action and jury trial waivers, the one-year time limit, the disclaimers and the limits on liability apply to you only to the extent your local law allows.

Changes to these terms

We may change these terms. If a change is material, we will tell you by email or in the app at least 30 days before it takes effect. A change can take effect sooner if the law requires it, or if it only covers a new feature or service. The date at the top of this page shows when these terms last changed.

If you keep using Shft Money after a change takes effect, the new terms apply. If you don't agree, stop using Shft Money and close your account before the change takes effect. Changes don't apply to disputes that arose before they took effect, as explained under Disputes and arbitration.

Whop changes its own terms from time to time. Check them on Whop's website.

General

• Whole agreement. These terms, with the policies they link to, are the whole agreement between you and us about Shft Money. If our policies conflict with these terms, these terms apply, except that Whop's terms apply to money as explained above.
• Electronic notices. You agree that we can give you notices, disclosures and other communications electronically, by email to the address on your login or in the app, and that they satisfy any legal requirement for written communications. We send notices to the email address on your login. Send notices to us at legal@shft.money.
• Transfer. You can't transfer these terms to someone else without our written consent. We may transfer them to a company that takes over Shft Money or AINA, and we will tell you if we do.
• Events outside our control. We are not responsible for delays or failures caused by events outside our reasonable control, such as outages at Whop or our providers, internet failures, natural disasters, war or actions of governments.
• Independent parties. These terms don't create a partnership, joint venture, employment or agency relationship.
• No third-party rights. Nobody else has rights under these terms, except the people covered by the indemnity.
• If part is invalid, it is changed as little as needed to make it valid, and the rest of these terms still applies.
• No waiver. If we don't enforce a right straight away, we can still enforce it later.
• Language. If we translate these terms and the versions differ, the English version applies, unless the law requires otherwise.

Contact

• Help with your account: support@shft.money
• Legal notices, disputes, arbitration opt-outs and copyright notices: legal@shft.money
• Privacy: privacy@shft.money
• Post: AINA Technologies LLC, 1500 N Grant St, Ste 45878, Denver, CO 80203, United States