Terms & Conditions

These terms and conditions (these "Terms") are a legal contract to which you have expressly agreed between you (as applicable, “you” or “your”) and:

1. for members located in Canada or the United States of America (“USA”), Ruby Life Inc., PO Box 67027, Toronto, Ontario, Canada M4P 1E4, and

2. for members located in any other jurisdiction, Ruby Life International Limited, PO Box 54090, 3720, Limassol, Cyprus,

(as applicable, "we," "us," “our” or "Ashley Madison").

We operate AshleyMadison.com (the “Site”) and the Ashley Madison Mobile Applications (defined in Section 12) (collectively, the Site and the Mobile Applications are the "Platforms"). The Platforms (and the work we do to maintain, update and support them) provide an interactive way for members to communicate, explore their fantasies, and entertain themselves (the “Services”).

The headings used in these Terms are for convenience only and shall not be deemed to define or limit the content of any provision of these Terms. We may, in future, transfer our rights and obligations under these Terms to another organization but doing so would not affect your rights under these Terms. You may not transfer your rights or obligations under these Terms to another person or entity.

BY AGREEING TO THESE TERMS, YOU ARE BECOMING AN ASHLEY MADISON MEMBER AND JOINING A COMMUNITY OF MILLIONS OF LIKE-MINDED PEOPLE WHO HAVE COME TO SEE THE CONSTRAINTS OF MONOGAMY AS TOO RESTRICTIVE AND HAVE FOUND SOLACE IN THE SEXUAL OPPORTUNITY THAT MEMBERSHIP PROVIDES.

YOU REPRESENT THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THESE TERMS, AND THAT YOU ARE GIVING UP SUBSTANTIAL LEGAL RIGHTS BY AGREEING TO THESE TERMS. IF YOU DO NOT AGREE WITH ANY PORTION OF THE TERMS, STOP ACCESSING OR OTHERWISE USING THE PLATFORMS OR THE SERVICES.

1. Overview

   Below is a high-level summary of these Terms, which is provided for convenience only. Please read the Terms carefully in their entirety before using the Platforms and do not solely rely on the high-level summary provided below.

   1. Member Conduct: You must be at least 18 years old and at least the age of majority/legal consent in the location where you reside in order to use the Platforms and/or our Services. You may not use the Platforms and/or our Services if you ever have been convicted of or pled no contest to an offence of a sexual or violent nature, if you currently are charged with an offence of a sexual or violent nature, or if you are required to register as a sex offender with any governmental entity or agency in any country. You may not use the Platforms and/or our Services if you previously have been removed from our Services by us, unless you have our express written permission to create a new account. You must comply with our Code of Conduct (below) at all times when using the Platform and/or our Service, and you may not upload pictures or other depictions of anyone under the age of 18 (or under the age of majority/legal consent in your home jurisdiction, if such age is higher than 18) on the Platforms, or while using our Services, at any time. You may not provide any minor with access to our Platforms or Services.

   2. The Services: You may access the Platforms and use certain features and functionalities of the Services by setting up a free member profile. The Platforms offer additional features and functionalities which may be accessed by purchasing credits and/or one of the subscription packages we offer, which are described in more detail on the purchase page. For more information, please see Section 2.

   3. Cancellation and Renewals: For our auto-renewal policy, please see Section 5.B. For our cancellation policy, please see Section 5.C.

   4. Liability: These Terms set out the legal terms and conditions that govern our relationship with you and your access to the Platforms and use of the Services. Put simply, we will not be liable to you for any damages you incur in connection with your access to the Platforms or use of the Services if we did not directly cause such damages or if such damages were not foreseeable to us and/or to you when these Terms were entered into by you. You are liable for any damage we incur which is directly attributable to your breach of these Terms or of applicable law. For greater clarification, the term “applicable law” shall include all applicable statutes, regulations and rules that apply to your acts or omissions in the jurisdiction(s) where your acts or omissions take place. For more information, please see Section 6.

   5. Dispute Resolution: THESE TERMS INCLUDE A CLASS ACTION WAIVER AND A WAIVER OF TRIALS. FOR MORE INFORMATION ON DISPUTE RESOLUTION, PLEASE SEE SECTION 7.

   6. Deletion/Deactivation: You may delete or deactivate your account. For more information, please see Section 11.

   7. Contact: If you have any questions or concerns about these Terms or our Privacy Policy, please contact us by email at [email protected]. Our data protection officer may be contacted at [email protected].

2. Your Account

   1. Eligibility
      Our Services are ONLY intended for persons 18 years or older and who also have attained the age of majority and legal consent in the jurisdiction of their residence, where such age is higher than 18. We will not knowingly permit anyone who does not meet these criteria to use our Services. By accessing our Platforms and/or using the Services, you represent and warrant that you: (i) are at least 18 years old; (ii) have attained the age of majority and legal consent in the jurisdiction where you reside; (iii) are not prohibited by any law in your country of residence from accessing our Platforms and/or using our Services; (iv) will comply with all applicable laws in your location in relation to your access of the Platforms and use of the Services; (v) otherwise have the right, authority and capacity to accept these Terms; and (vi) will abide by all of these Terms and conditions set forth herein. You also represent and warrant that you will not allow any minor to access the Platforms or our Services, including taking all precautions and implementing all parental control protections on your computer or other electronic device used to access the Platforms and/or our Services to prevent any minor from gaining access to the Platforms and/or our Services. Further, you hereby commit to inform us immediately should you become aware of a minor using the Services (including a situation where another member is using the Services on behalf of a minor, whether the minor is willing or not).

      While we require all our members to be at least 18 years old and to have full legal capacity to enter into a contract, you agree that we are not responsible or liable for any misrepresentations by our members regarding a member’s age or for the unauthorized use of the Platforms or our Services by a minor.

   2. Services and Features
      The Platforms provide interactive ways for members to communicate, explore their fantasies, and entertain themselves. Subject to other terms, conditions and features identified in these Terms and any other information provided on the Platforms, members are able to view profiles of other members, see who has viewed their profile, and communicate with other members. In addition, the Platforms offer a number of different features, for which members can subscribe. The details regarding such features will be provided to you on the purchase page relating to such features. Please note that the Services may be subject to downtime due to necessary Site maintenance from time to time.

   3. Accessing and Using the Platforms and Services
      ‍You must set up a free member profile in order to access any of our Platforms. Any information you provide to us when signing up and creating your profile must be correct, current, accurate and complete. If you provide any misleading or false information to us, we reserve the right to suspend or delete your account.Once you have set up a member profile, you will have access to some, but not all, of the Services’ features. The Platforms offer additional features and functionalities which you may access by purchasing: (i) a subscription package; or (ii) credits and/or other units, such as minutes, which allow you to access one or more features (collectively “units”), depending on your preferences and/or jurisdiction. For example, in certain jurisdictions, you may need to spend credits or other units to use certain features, such as initiating communications with other members or sending messages via priority mail, or you may need to have a positive credit balance to access your message history. ^* In other jurisdictions, such features may only be available through a subscription. ^* To see what subscription packages are available to you, and for more information on such packages, see our Site or one of our Mobile Applications for more details.

      Once you have made a purchase, you can confirm your account balance at any time by clicking on "Manage Profile" or by using the Contact Form and providing us with your account details.

      ^* While you may not have to spend credits to access your message history, you may need a positive credit balance or a subscription in order to see those prior communications with other members (because a zero- (0-) credit balance, with no subscription, means you will revert to a guest status). Additionally, you should be aware that your message history will become unavailable after ninety (90) days), due to automatic rules we have in place.

   4. Your obligations
      You: (a) must not use our Services unless you have the full power and authority to enter into and perform these Terms; (b) will not use our Services to infringe or violate the copyright, trademark, right of publicity or any other legal right of any third party or of Ashley Madison; (c) will comply with all applicable laws and regulations and our Code of Conduct in using our Services and in engaging in all other activities arising from, relating to or connected with these Terms, including, without limitation, contacting other members on our Platforms and/or using our Services; (d) must not use our Services if you ever have been convicted of or pled no contest to an offence of a sexual nature, if you currently are charged with an offence of a sexual nature, or if you are required to register as a sex offender with any governmental entity or agency in any country; and (e) must own or otherwise have all rights necessary to license Your Content (as defined in Section 3.A.), and promise that the posting and use of Your Content by us will not infringe or violate the rights of any third party. You agree that we are not responsible to you for any damages you may suffer because of your breach of this clause.

      We reserve the right to investigate and, if appropriate, suspend or terminate your account without a refund if you have violated these Terms, misused our Services, or behaved (whether on or off our Platforms) in a way that we regard as inappropriate or unlawful. We reserve the right to make use of any technological, legal, or other means available to enforce these Terms at any time, without liability and without the obligation to give you prior notice, including, but not limited to, preventing you from accessing the Services.

   5. Account Credentials
      You must keep your username and password confidential, and you are solely and fully responsible for all activities that occur under your username and password unless any such activities are caused by us. This means that you also are responsible for, among other things, protecting the confidentiality of and physical and electronic access to: (i) the email account associated with your member profile; (ii) any computer(s) and/or mobile device(s) you use to access your member account; and (iii) any credit card or other method of payment that you use to purchase subscription packages, credits and/or other units for use of the Services. You agree to: (a) immediately notify us of any unauthorized use of your username and/or password or any other breach of security; and (b) ensure that you log off from your account at the end of each session. We will not be liable for any loss or damage arising from your failure to comply with this section.

   6. Expiry of Access to Your Account for Inactivity
      ‍Your right to access your account will expire, you will lose any unused credits or other units in your account, and your account automatically will be deleted after twelve (12) months of inactivity (i.e., 12 months since your most recent login).

      THIS PROVISION DOES NOT APPLY TO INACTIVE ACCOUNTS THAT HAVE AN EXISTING MEMBERSHIP SUBSCRIPTION ASSOCIATED WITH THEM.

   7. Email and Text Communications
      

      • Emails Sent to You by Us
        Subject at all times to our obligations regarding email communications in your respective jurisdiction, you agree that: (i) we and other sites we (and our parent, subsidiary and/or sister/affiliate companies) operate may send you email communications that include messages about the Services and your membership account with us, and services offered by us, by our affiliates, and/or by third parties; and (ii) any notices, agreements, and other communications we send to you electronically will be deemed to satisfy any legal requirements, including, without limitation, that such communications be in writing.

        You may opt out of receiving non-transactional email communications from us by clicking the unsubscribe link located at the bottom of any non-transactional email we send you (which links will remain effective for at least sixty [60] days) or by updating your notification preferences in your account. By clicking the unsubscribe link in a specific email, you will be opting out of that specific type of email but not other types of non-transactional emails (e.g., you might opt out of emails about new mailbox activity but still keep receiving emails about new members who have signed up in your area). By going to your notification settings in your account, you can opt out of more than one kind of non-transactional email at once. Please be advised that you cannot opt out from transactional emails pertaining to your account, because these emails are necessary to provide you with the Services. For greater clarification, “transactional communications” include but are not limited to such things as welcome emails, billing information, payment receipts, payment cancellation, password reset instructions, advisory emails about safeguarding your security and privacy, and confirmation of account deactivation.

        Emails sent to you by us may contain links to other independent third-party websites or third-party applications (“Third-Party Sites”). See Section 3.E. for more information regarding Third-Party Sites.

        We will not send you any SMS text messages and we expressly, contractually forbid our third-party marketing affiliates from sending you any text communications. For greater clarification, “SMS text messages” do not include email messages, mobile push notifications from the Mobile Applications, or on-Site notifications (e.g., a notification pop-up when a member is logged in to their account).

      • Emails and Text Messages Sent to You by Individuals and/or Entities that Are Unrelated to Us
        You agree that we are not responsible for email or text communications sent to you by individuals or entities that are unrelated to us, including any third-party marketing affiliates (note that such affiliates are legally unrelated to us). See Section 6 (“Liability”) for further details.

   8. Termination
      In addition to your right to cancel under Section 5.D., and to delete or deactivate your account under Section 11, you may terminate this contract and your access to the Services at any time via our Platform(s) by logging into your account or by sending us written or email notice of termination.

      We may terminate your access to our Services: (a) if you breach these Terms; (b) where required by law; or (c) where we reasonably believe there has been a breach of these Terms or a breach of applicable laws. Unless otherwise required by applicable law or expressly stated otherwise in these Terms (see Section 5.D.), upon termination of this contract or your access to our Services, you will not be entitled to a refund of unused credits or other units, or a refund of subscription fees that you have paid, where: (i) we terminate pursuant to this Section 2.H.; or (ii) you terminate at your own initiative.

   9. Customer Service
      Our customer service representatives are available to answer questions you may have about the Platforms and how to enhance your experience using our Services and features. You may not be abusive, obscene, profane, offensive, sexist, threatening, harassing, racist, homophobic or otherwise behave inappropriately when communicating with our customer service representatives.
      ‍

3. Using the Service

   • Member Content
     Members are able to submit content to the Platform, including, but not limited to, photographs, profile information, and other information which may be submitted, for example, in messages to other members. In these Terms, we refer to content submitted by you as “Your Content” and content submitted any member as “Member Content.”

     You represent and warrant to us that: (i) Your Content is posted by you and that you are the owner of Your Content; and (ii) use of Your Content by us will not infringe or violate the intellectual property or other rights (including privacy rights) of any third party. By submitting Your Content to our Platform, you grant, and you represent and warrant that you have the right to grant – to us, our licensees, affiliates^* successors, and assigns – a perpetual, worldwide, royalty-free, sub-licensable, transferable right and license to host, store, access, use, copy, process, reproduce, display, broadcast, distribute, publish, quote, create derivative works of, translate, sub-license, export, share, assign, retain, remove, adapt, edit, or modify Your Content (in whole or in part and in any format or medium currently known or developed in the future), or incorporate into other works Your Content, or to analyze the foregoing described information for the purpose of providing you with the Services, and to grant and to authorize sub-licenses and other transfers of the foregoing in each case for lawful purposes permitted by privacy law in order to provide the Services in accordance with, and as contemplated by, these Terms and our Privacy Policy. Ashley Madison’s license to Your Content shall be non-exclusive, except that Ashley Madison’s license shall be exclusive with respect to derivative works created through use of our Services.

     ^* Here, and elsewhere in this Agreement, “affiliate” means a subcontractor, advisor, agent, or legally affiliated entity (controlling, controlled by, or under common control with us), which is performing on our behalf any of our obligations under this Agreement or in relation to providing the Platforms or the Services but does NOT mean any “third-party marketing affiliate” (as such entities are legally unrelated to us).

     We have no obligation to post any of Your Content or any Member Content that anyone else submits. While we do not and cannot monitor, control, or vet every message or other material posted or sent by members of the Service, and are not responsible for any content of these messages or materials, we reserve the right – but are not obligated (unless requested by the person who submitted the content to us, or any person identified in the content, to delete or otherwise remove such content in accordance with privacy laws) – to monitor, delete, move, remove, block, refuse to post or transmit, or edit messages or materials, including, without limitation, advertisements, profiles, public postings, emails, and messages, that we, in our discretion (acting reasonably), deem to violate these Terms or any applicable content guidelines, or to be otherwise unacceptable. As such, your use of the Service is at your own discretion and risk.

     You remain solely responsible for Your Content (as found in your profile, public postings, private messages and other materials that you upload to the Service or communicate with other members of the Service). If any information that you provide to us subsequently becomes inaccurate, misleading or false, you must notify us promptly of such change(s).

     You understand and agree that we do not guarantee, and we assume no responsibility for verifying, the accuracy, completeness, quality or reliability of the Member Content provided by other members of the Service, or the legitimacy, intentions or identity of any member.

   • Communication with Other Members
     You understand that all of the Member Content generated by members on our Platform is provided “AS IS.” You agree that all Member Content is the responsibility of the person who originated such material, and NOT the responsibility of Ashley Madison.

     We make no representations or warranties as to the conduct of our members or their compatibility with any current or future members. For instance, we make no representations or guarantees as to the number of active members on the Site or Platforms (and/or in your geographic area) at any given time, the ability or desire of other members to communicate with or meet you, your compatibility with any members, or the conduct of other members. YOU UNDERSTAND AND AGREE THAT WE DO NOT PERFORM CRIMINAL OR ANY OTHER FORM OF BACKGROUND CHECKS ON OUR MEMBERS. (However, we reserve the right to conduct – and you authorize us to conduct – any criminal background check or other screenings, such as sex offender register searches, at any time, and you agree that any information you provide may be used for that purpose.) It is your responsibility to determine whether or not you want to interact with a member on our Service. It also is your responsibility to determine whether or not you want to interact with a member via communication methods that do not involve us or our Service, and you understand and agree that we cannot and will not take responsibility for any such interactions.

     We reserve the right, but have no obligation, to monitor all interactions between you and other members on our Services and to take any action in good faith to restrict access to, or the availability of, any material that we or another member of our Services may consider to be: illegal; obscene; lewd; lascivious; filthy; violent; harassing; pedophilic; abusive, incestuous; exploitative; indicative of prostitution, solicitation, human trafficking, drug trafficking, arms/weapons trafficking, financial fraud, blackmail, or incitement of violence or terrorism; or otherwise objectionable, and you hereby expressly consent to the foregoing. You acknowledge and agree that messages sent between you and other members of the Services that are not readily accessible to the general public may be reviewed by us for compliance with these Terms, but otherwise will be treated by us as private, except: (i) if we receive a subpoena, court order, search warrant, or similar legal requirement to disclose Your Content; and/or (ii) if we become aware of indications of criminal activity (including potential pedophilia or other exploitation or abuse of minors), in which case we reserve the right to file a report with the appropriate legal authorities.

   • Disputes between Members
     You are solely responsible for your interactions with other members of our Services, including Your Content that you post on the Services (in your profile and in your messages to other members). COMMUNICATIONS RECEIVED THROUGH THE SERVICES, INCLUDING AUTOMATIC NOTIFICATIONS SENT BY ASHLEY MADISON, MAY RESULT FROM MEMBERS ENGAGING WITH THE SERVICES FOR IMPROPER PURPOSES, INCLUDING FRAUD, ABUSE, HARASSMENT, OR OTHER SUCH IMPROPER BEHAVIOR WHICH IS IN BREACH OF OUR CODE OF CONDUCT.

     You must take reasonable precautions in all interactions with other members of the Service, PARTICULARLY if you decide to meet: (i) via online methods outside of the Services; (ii) offline; or (iii) in person. In addition, WE STRONGLY RECOMMEND THAT YOU REVIEW ASHLEY MADISON'S SECURITY AND PRIVACY TIPS, POSTED AT ashleymadison.com/security-privacy PRIOR TO USING THE SERVICE. You should not provide your personal or financial information (for example, your credit card or bank account information) to other members of our Platforms. You understand that your Personal information may be misused by other members and that there is no substitute for acting with caution when communicating with any stranger who would like to meet you virtually or in real life. You understand and agree that we are not responsible for any reputational, physical, financial or other harm you may suffer as a result of interacting with another member who chooses to misuse their access to you and Your Content.

     You hereby agree to release us – including our licensees and affiliates, and our (and their) shareholders, officers, directors, employees, contractors, representatives, agents, licensors, successors and assigns – from all claims, demands, damages, losses, and liabilities of every kind, arising out of or in any way related to any disputes you have with other members of the Service.

   • Non-Commercial Use
     Our Platforms and Services are for personal use only and you may not use them in connection with any commercial purposes. Organizations, companies, and/or businesses may not use the Services or our Platforms for any purpose. Illegal and/or unauthorized uses of our Platforms, including without limitation for prostitution, solicitation, human trafficking, pedophilia or other exploitation or abuse of minors, incest, exploitation, drug trafficking, arms/weapons trafficking, financial fraud, blackmail or incitement of violence or terrorism, collecting usernames and/or email addresses of members by electronic or other means for the purpose of sending unsolicited email, and unauthorized framing of or linking to our Platform may be investigated, and appropriate legal action may be taken, including, without limitation, civil, criminal, and injunctive redress.

   • Third-Party Sites
     In your use of our Service, you may access content from third parties either via our Service or through links to Third-Party Sites. Third-Party Sites are not under our control and we are not responsible for, and do not endorse or make any guarantees with regards to, their content, goods and/or services, or privacy policies (if any).You acknowledge and agree that we will not be responsible for the content of, goods and/or services provided by, or privacy policies of, any Third-Party Sites or any messages you receive from, or communications you have with, the owners, operators and/or users of Third-Party Sites. You further acknowledge and agree that we will not be responsible for any damage to your computer hardware, software, or other technology or equipment, including but not limited to damage from any data breach or any other security intrusion, or from any programming errors, bugs, computer viruses, worms, cancel bots, Trojan horses or similar programs, other software or hardware failures, malicious software or harmful components, flood pings, denial of service attacks, spamming, hacking, packet or IP spoofing, corrupted files, tampering, hoaxes, fraud, forged routing of electronic mail address information, other error, omission, interruption, delay in operation or transmission, computer line or network failure, or any other technical or non-technical malfunction or defect that results from your accessing a Third-Party Site or communicating with any user of a Third-Party Site. Your purchase and use of products or services offered by Third-Party Sites are at your own discretion and risk.

   • Our Proprietary Rights
     ‍You acknowledge that all right, title and interest in the Platforms and the Services, including all worldwide intellectual property rights therein, and including without limitation all software (both source and object codes), scripts, graphics, form, text, publicity, content, information, and material made available to you via the Platforms and the Services, and any and all trademarks, service marks, logos, domains, copyrighted content, and patented content contained and embodied therein, including any enhancements, derivative works, know-how and modifications thereto, are solely owned by or licensed to Ashley Madison. The right to use the Platforms is licensed (not sold) to you, and you have no rights in, or to, the Platforms, the Services, content, information, or materials described above, other than the right to use them in accordance with these Terms. You acknowledge you have no right to have access to the Platforms in source-code form. You further acknowledge that you have no right to use any of the trademarks, service marks, logos, or domains that you may find on our Platforms, unless you have our express written permission. If you contact us with any suggestions or feedback regarding the Platforms or the Services, such feedback shall be deemed to be the sole property of Ashley Madison and you hereby irrevocably transfer and assign to Ashley Madison all intellectual property rights in such feedback and waive any and all moral rights that you may have with respect thereto. Except for that information which is in the public domain or for which you have been given express written permission by us, you agree not to sell, license, loan, rent, modify, distribute, copy, reproduce, transmit, publicly display, broadcast, publicly perform, publish, adapt, edit, create derivative works from, reverse engineer, alter, enhance or in any way exploit any aspect of the Platforms, or the Platforms’ content or materials in any manner.

   • ‍Infringement of a Third Party's Intellectual Property Rights
     ‍We respect the intellectual property rights of others, and we ask you to do the same. We may terminate Services and/or access to the Platforms for members who infringe the intellectual property rights of others.

     If you believe that your work is the subject of copyright infringement and/or trademark infringement and it appears on any of our Platforms, please contact us using the following contact information:

     Ruby Life Inc.
     Attention: General Counsel
     PO Box 67027
     Toronto, Ontario
     Canada M4P 1E4

     or

     Email: [email protected]

     Please also note that, for copyright infringements under Section 512(f) of the Digital Millennium Copyright Act (“DMCA”) (17 U.S.C. §512(f)), any person who knowingly materially misrepresents that material or activity is infringing, or that material or activity was removed or disabled by mistake or misidentification, shall be liable for any damages (including costs and attorneys’ fees) incurred by: the alleged infringer; by any copyright owner or copyright owner’s authorized licensee; or by a service provider who is injured by such misrepresentation as a result of the service provider relying upon such misrepresentation in removing or disabling access to the material or activity claimed to be infringing, or in replacing the removed material, or ceasing to disable access to it.

   • Submitting a DMCA Counter-Notification
     We will notify you that we have removed or disabled access to copyright-protected material that you provided, if such removal is pursuant to a valid take-down notice issued under “DMCA” that we have received (see Section 3.G.). If you receive such notice from us, you may provide us with a counter-notification in writing to our agent (as designated in the notice), that includes all of the following information:

     1. Your physical or electronic signature;

     2. Identification of the material that has been removed or to which access has been disabled, and the location at which the material appeared before it was removed or access to it was disabled;

     3. A statement from you, under penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and

     4. Your name, physical address and telephone number, and a statement that you consent to the jurisdiction of a court for the judicial district in which your physical address is located, or if your physical address is outside of the United States, for any judicial district in which we may be located, and that you will accept service of process from the person who provided us with notification of your allegedly infringing material, or from an agent of such person.

   • Location of Use
     If we become aware of any legal or other risk associated with the availability of the Platforms or the Services, whether in a particular location or more generally, we reserve the right to change, suspend, withdraw or disable access to the Platforms and/or the Services at any time, without notice, and we shall have no liability to you in respect of such action.

     You acknowledge that we host Ashley Madison in Canada and provide customer support from Canada, European Union member states (including but not limited to Cyprus) and, potentially, other countries. You acknowledge that any information we may collect from you (e.g., your email address) will be collected, stored, accessed and used (collectively “Processed”) in Canada, and accessed and used in European Union member states (and, potentially, other countries), and you authorize us to Process your data in Canada, European Union member states and, potentially, other countries. Additionally, you acknowledge that some of your information which we use to send you email messages may be stored by a third-party in the United States, and you authorize such information to be Processed in the United States.

     We will not disclose your information to any individual or entity unless required to do so by law (see our Privacy Policy for more information).

   • Protection and Security
     You shall take all reasonable steps to ensure that no person other than yourself shall have access to the Platforms and/or the Services via your membership account. Upon learning of any unauthorized use of the Platforms and/or the Services, you will notify us promptly regarding the details of such occurrence(s), and take measures to prevent any reoccurrence thereof.

     While we maintain a comprehensive information security program that is reasonably designed to protect the security, confidentiality, and integrity of personal information collected from or about members, you acknowledge and agree that internet-based services and internet and data transmissions carry inherent security and privacy risks, including, without limitation, risk of a data breach, sabotage or other security intrusion, and that a third party may make unlawful and harmful use of the Platforms and Services and any Member Content. You acknowledge and agree that, in a world where even the US Government can and has been hacked, no company can guarantee that its services and transmission are or will be 100% secure. You acknowledge and agree that your choice to use the Services is, therefore, an assumption of risk on your part, and that Ashley Madison shall not be liable in any way for any damage whatsoever that may result from any such third-party behaviour. See Section 6 (“Liability”) for further information.

4. Code of Conduct

   In your use of our Service and/or Platform, you agree to act responsibly, in a manner that demonstrates good judgment and that complies with the required conduct below (the “Code of Conduct”). WITHOUT LIMITATION, YOU CONTRACTUALLY AGREE:

   1. not to violate any applicable statute, regulation or other law;

   2. not to infringe on the rights of any third party, including, without limitation, intellectual property rights, privacy rights, publicity rights, or contractual rights;

   3. not to use the information available through our Services and/or Platforms (including but not limited to any Member Content) for any unauthorized or unlawful purpose;

   4. not to interfere with, damage, disable, overburden, impair, circumvent or compromise our Services and/or Platforms, including, without limitation, through the use of computer viruses, worms, cancel bots, Trojan horses or similar programs, harmful code, flood pings, denial of service attacks, spamming, hacking, packet or IP spoofing, corrupted files, tampering, hoaxes fraud, forged routing of electronic mail address information, or use of similar methods or technology, including methods that in any way reproduce or circumvent the navigational structure or presentation of the Services or our Platforms’ content;

   5. not to use our Services and/or Platforms to transmit, distribute, post or submit any information concerning any other person or entity, including, without limitation, photographs of others, personal contact information, or credit card, debit card, or account numbers;

   6. not to use our Services and/or Platforms in connection with the generation, facilitation, publication or distribution of unsolicited mass and/or commercial emails or text messages, promotions, advertisements, or other solicitations ("Spam") or in any way use them for, or in connection with, spamming, phishing, trolling, or similar activities;

   7. not to create a pyramid scheme;

   8. not to frame or mirror our Site or Platforms;

   9. not to use our Services and/or Platforms to obtain or disseminate the personal contact information of another member without his/her prior consent;

   10. not to redirect any other member off of the Platform and to another method of communication (including but not limited to your cell number, your email, or your WhatsApp, WeChat, Facebook Messenger, Telegram, Snapchat, QQ, Discord, Zoom, Google Meet, Teams, Slack or Kik account) until you and that member have had a significant number of communications on the Platform; 

   11. not to "stalk" or harass any other member of our Services and/or Platforms;

   12. not to use the Services and/or Platforms if you ever have been convicted of an offence of a sexual nature, if you currently are charged with an offence of a sexual nature, or if you are required to register as a sex offender with any governmental entity or agency in any country;

   13. not to use the Services and/or Platforms for any illegal purposes, including, without limitation, prostitution, solicitation, human trafficking, pedophilia or other exploitation or abuse of minors, incest, exploitation, drug trafficking, financial fraud, blackmail, arms/weapons trafficking (including but not limited to activities that are subject to International Traffic in Arms Regulations [“ITAR”] maintained by the United States Department of State), or threats of or incitement of violence (including but not limited to threats of rape or murder) or terrorism;

   14. not to use the Services and/or Platforms in a manner that could lead to death, personal injury, or environmental damage;

   15. not to use the Services and/or Platforms in a manner intended to avoid incurring fees;

   16. not to impersonate any person or entity;

   17. not to create an account if you previously were removed from our Services by us, unless you have our express written permission to create a new account;

   18. not to make false statements, or attempt or use personal, financial or other information that you are not authorized to use;

   19. not to state or imply that any statements you make are endorsed by us;

   20. not to collect or store personal data about other members without their consent, or upload, post, email or transmit any other member’s private information or data including, without limitation, their messages, photographs or contact information;

   21. not to transmit, store, or process health information subject to the Health Insurance Portability and Accountability Act (USA), the Personal Health Information Protection Act (Ontario), the General Data Protection Regulation (EU), or any similar national or subnational statute or regulation;

   22. not to use our Services and/or Platforms for any commercial purpose whatsoever, including, without limitation, advertising or marketing of any services or products, or conducting interviews or surveys of other members;

   23. not to remove, deface, obscure, or alter any copyright, trademark, attribution or other proprietary right notices contained in the Services and/or Platforms;

   24. not to infringe on the intellectual property rights of the Services and/or Platforms or any third parties in any manner;

   25. not to alter, modify, adapt, translate, reverse engineer, decrypt, decipher, decompile, or otherwise disassemble, or copy or create derivative works based on, any portion of the Service and/or Platform, or any software used on or for the Service, or attempt to derive or gain access to the object code, source code or other operational mechanisms or the underlying ideas, methodologies or algorithms of the Platform (including without limitation accessing or using any part of the Platform in order to: (i) copy or re-use ideas, features, functions or graphics; (ii) develop, offer or build a product or service that competes with any Ashley Madison feature or product; (iii) perform or publish benchmarks or competitive analyses; or, (iv) determine whether Ashley Madison features or products are within the scope of any patent);

   26. not to use or develop any third-party applications that interact with our Services or Member Content or information;

   27. not to use the Platforms to store or transmit malicious code;

   28. not to attempt to gain unauthorized access to any product or related systems or networks used by the Platforms or the Services, including through direct or indirect penetration testing;

   29. not to copy, sell, resell, license, sublicense, distribute, make available, rent, lease, publish, assign, or otherwise commercially exploit or transfer your right to use the Platform to any third party;

   30. not to post, upload or transmit false, misleading or illegal information or content to the Services and/or Platforms;

   31. not to publish or disclose to any third party any reviews, testing information or comparisons with respect to the Platforms or the Services without Ashly Madison’s prior written consent;

   32. not to upload, post, email, transmit or otherwise make available any content that you are not legally permitted to make available to the Services and/or Platforms under any law or any contractual or fiduciary relationship (including, without limitation, inside information and/or information subject to obligations of confidentiality);

   33. not to disrupt the flow of dialogue, cause a screen to “scroll” faster than other members of the Services are able to read, or otherwise engage in behavior that negatively affects the ability of other members to engage in communications or other interactions on our Services and/or Platforms;

   34. not to provide hyperlinks, URL links, graphic links or other direct connections to our Platforms or the Services for profit or gain;

   35. not to use meta tags or code or other devices containing any reference to Ashley Madison or the Platforms (or any trademark, trade name, service mark, logo or slogan of Ashley Madison) to direct any person to any other website for any purpose;

   36. not to use scripts, bots, crawlers, spiders, site search/retrieval applications, proxies, web scrapers or other manual or automated device, method or process to access the Services and/or Platforms or pre-fetch, retrieve, index, “data mine,” store, re-share, rehost, bulk download, copy or otherwise collect information from or monitor the Services and/or Platforms;

   37. not to access the Platforms or the Services using a “protected computer” as that term is defined in 18 U.S.C. §1030(e)(2) (briefly, this means a computer that belongs to or is used by a financial institution or the United States Government, or that is used in or affects interstate or foreign commerce or communication of the United States);

   38. not to use the Platforms and/or the Services in any way that would make the Platforms and/or Services subject the Federal Acquisition Regulation, as set forth at 48 C.F.R. §§1.00-53.300 (briefly, this means you won’t subscribe to our Services on behalf of the USA federal government);

   39. not to make your account available to anyone other than yourself or use the Platforms or Services for the benefit of anyone other than yourself; and

   40. not to assist any third party to do any of the activities prohibited by this Code of Conduct.

   IN ADDITION, YOU AGREE NOT TO POST OR SUBMIT ANY CONTENT THAT:

   1. is invasive, infringing, libelous, defamatory, slanderous or fraudulent;

   2. contains pornographic, sexually explicit or vulgar material (mere nudity will not be deemed to violate this provision but bestiality and sexual fantasies related to rape, minors, incest or disturbing role-play would qualify);

   3. may denigrate any ethnic, racial, sexual or religious group (by stereotypical depiction or otherwise), including by promoting racism, bigotry, hatred or causing physical or emotional harm of any kind against any group;

   4. exploits images or the likeness of individuals under 18 years of age including in a sexual or violent manner, or solicits personal information from anyone under the age of 18, or harms minors in any way;

   5. characterizes violence as acceptable, glamorous or desirable;

   6. encourages or otherwise depicts or glamorizes drug use (including alcohol or cigarettes) or any illegal acts;

   7. makes use of offensive language or images or is otherwise obviously offensive to the online community;

   8. harasses or advocates harassment of another person;

   9. involves the transmission of "junk mail," "chain letters" or unsolicited mass mailing or Spam;

   10. promotes an illegal or unauthorized copy of another person's or entity’s copyrighted work;

   11. contains any illegal material or any material that infringes or violates another party's rights (including, without limitation, intellectual property rights, contractual rights, and rights of privacy and publicity);

   12. constitutes an illegal act (including, without limitation, prostitution, solicitation, human trafficking, pedophilia or other exploitation or abuse of minors, incest, exploitation, drug trafficking, arms/weapons trafficking, financial fraud, blackmail, or incitement of violence or terrorism) or provides instructional information about illegal activities such as making or buying illegal weapons, violating someone's privacy, providing or creating denial of service attacks, computer viruses, harmful code, cancel bots, worms, Trojan horses, corrupted files, flood pings, hacking, packet or IP spoofing, corrupted files, hoaxes, forged routing of electronic mail address information, or similar programs or items of a destructive or deceptive nature;

   13. solicits passwords or personal identifying information for commercial or unlawful purposes from other members;

   14. provides or promotes inaccurate, misleading, deceptive or false information;

   15. engages in commercial activities and/or sales without our prior written consent, such as contests, sweepstakes, barter activities, advertising, and pyramid schemes; or

   16. otherwise violates these Terms, or that may expose you or us to legal liability.

   The foregoing is a partial list of the kinds of conduct and content that are illegal or prohibited on our Platforms. We reserve the right to investigate any member’s account and take appropriate legal action, in our reasonable discretion, against anyone who violates this Code of Conduct or any other provision of the Terms, which action may include, without limitation, removing the offending communication from the Services, terminating the violator's access to the Platforms, and/or contacting and disclosing information to relevant legal authorities. For greater clarification, you agree that Ashley Madison may access, preserve, and disclose your account information, including Your Content, if required to do so by law or upon a good faith belief that such access, preservation, or disclosure is reasonably necessary to: (i) comply with legal process; (ii) enforce these Terms; (iii) respond to claims that any content violates the rights of third parties; (iv) respond to your requests for customer service; or (v) protect the rights, property or personal safety of Ashley Madison or any other person.

   ASHLEY MADISON IS A SOCIAL NETWORK FOR ADULTS. WE DO NOT ENDORSE OR ENCOURAGE ANY UNLAWFUL BEHAVIOUR IN ANY JURISDICTION IN WHICH THIS SOCIAL NETWORK IS MADE AVAILABLE. YOU ARE RESPONSIBLE FOR YOUR OWN COMPLIANCE WITH ALL LAWS THAT APPLY TO YOU.

5. Payments and Refunds

   1. Pricing
      ‍Credits and/or other units (such as minutes) do not have a specific dollar (or other currency) value. The price per credit (and/or other unit) could vary significantly depending on what package a member purchases, and on special promotions, which may be offered from time to time (and which may vary based on region or bundle size).

      Subscription prices also may vary from time to time (and which may vary based on region and length of subscription).

      We also regularly test new features and payment options.

      The number of credits required to pay for a specific feature in the Platforms may vary from time to time without prior notification to you. Additionally, the extent to which certain features in the Platforms are offered for free may depend on whether a member has a guest account (i.e., the member has made no purchases yet or has a zero credit balance) or is a paying customer.

      Prices displayed may vary between countries. This is due to several factors, including exchange rates, local taxes, and the costs associated with regional operations in particular markets.

      In some instances, payment options may not be available in the currency of the country where you reside, in which case: (i) you will be responsible for paying the price in the stated foreign currency; OR (ii) the price in the currency you are quoted will be converted to the price in a foreign currency (such as US dollar or euro) and you will be charged that equivalent amount in the foreign currency.

   2. Methods of Payment
      ‍A member may pay via credit card, debit card, banker’s cheque (sometimes called a “teller’s check,” a “certified cheque” or a “certified check”), money order, Paypal, or any other method of payment that we may accept from time to time (which may differ between jurisdictions). You may not use a credit card or other payment method which is in another person’s name or which is a company card provided to you by your employer. In addition to paying the published price, you are responsible for paying all applicable taxes in connection with your purchase, which will be disclosed to you prior to completing your transaction. You also are responsible for any third-party fees (including, for example, telephone toll charges, mobile carrier fees, ISP charges, data plan charges, credit card fees, foreign exchange fees, foreign transaction fees, and/or fees charged by Apple or Google if your purchase is related to one of the Mobile Applications). We are not responsible for these fees. Contact your financial institution (or Apple or Google, as applicable) with questions about these fees.

      You authorize us to store your payment method and use it in connection with your use of the Services and the Platforms. To avoid interruption in your use of the Services and the Platforms (e.g., when you have a subscription), we may participate in programs supported by your card provider to try to update your payment information. You authorize us to continue billing your account with the updated information we obtain.

      If you make a purchase from us, that order will be accepted once we receive confirmation of payment in full.

      If we receive a banker’s cheque payment or Interac payment for an incorrect amount, we will notify you of such incorrect payment. If such incorrect payment is not rectified within thirty (30) days of providing such notice, we reserve the right to adjust or credit your account based on the funds actually received.

      Please note that, if you sign up for our Services through Google Play, Apple’s App Store, iTunes, Apple ID or another authorized platform, your order will be governed by not just by our Terms and our Privacy Policy but also by the terms and privacy policy that govern such platform, and their order cancellation provisions will supersede ours.

   3. Automatic Subscription Renewals
      In order to provide continuous Services, Ashley Madison automatically renews all paid subscriptions for the Services (excluding credits or other units, unless you expressly have opted in for automatic top up thereof) on the date such subscriptions expire (or the nearest banking date following such expiration), unless you notify us, before the renewal date, that you wish to cancel a subscription. Ashley Madison will disclose renewal periods to you prior to your completion of your purchase, and in your purchase confirmation. By accepting these Terms, you acknowledge that your account will be subject to the above-described automatic renewals. If, at any time, you do not wish your account to renew automatically, you may cancel your automatic subscription by:

      1. Contacting [email protected] and asking for our assistance on this matter.

      OR

      2. Logging into your account on the Site (i.e., not via a Mobile Application), then: (i) going to the “Settings” menu; (ii) clicking on “Purchases”; (iii) scrolling to the bottom of the page, where you will find a section called “Active Subscriptions”; and (iv) deactivating the subscription that you no longer want renewed.

      Notwithstanding anything else in this Section 5.C. or elsewhere in these Terms, you acknowledge that we have no obligation to pro-rate refunds for subscriptions that you already have purchased, except as set out in Section 5.D.‍

   4. Cancellations (also known as Right of Withdrawal) and Refunds
      Your rights will differ depending upon:

      (i) Whether you signed up for the Services via the Site, or via one of the Mobile Applications,
      (ii) Your method of payment (e.g., is it tied to your identity or anonymous?), and
      (iii) The geographic location where you reside when you sign up for the Services.

      • If you sign up via one of the Mobile Applications (rather than via the Site):
        If you sign up for a Mobile Application through Google Play, Apple’s App Store, iTunes, Apple ID or another authorized platform, your order will be governed not just by our Terms and our Privacy Policy, but also by the terms and privacy policy that govern such platform, and their order cancellation provisions will take precedence over ours. This means that it is up to Google or Apple to determine whether you will be reimbursed any money during a “cooling off” period and, if so, the amount of such reimbursement. Ashley Madison has no control over Google’s or Apple’s decision-making regarding any such refunds. Accordingly, you should proceed to sign up for our Services via one of the Mobile Applications only if you agree that you might not receive any refund if you cancel your Ashley Madison account during a “cooling off” period, and that any disputes you have with respect to such a refund must be brought to and addressed by Google or Apple, as applicable, and not Ashley Madison. Please see Section 5.E. for additional details.

      • If you sign up via the Site using a non-reimbursable method of payment:
        Gift Cards – Some members prefer to keep all aspects of their Ashley Madison accounts confidential, including their methods of payment. We strive to work with multiple payment processors to make this possible. As a result, we often are able to allow members to pay for their accounts using gift cards (some of which normally are used for specific retail stores). Due to the requirements of payment processors, if you use one of these methods of payment, you may be charged a fee on top of the normal fees which Ashley Madison charges for credits (or other units) or a subscription. Due to the nature of such payments, you should proceed to pay us with a gift card only if you agree that you will not be able to receive any refund if you cancel your Ashley Madison account during a “cooling off” period.

        Banker’s Cheques (also known as Teller’s Checks, Certified Cheques or Certified Checks) and Money Orders – Due to the nature of such payments, you should proceed to pay us with a Banker’s Cheque or Money Order only if you agree that you will not be able to receive any refund if you cancel your Ashley Madison account during a “cooling off” period.

        You acknowledge that there may, from time to time, be other non-reimbursable methods of payment, in addition to gift cards, banker’s cheques and money orders.

      • If you sign up via the Site, using a reimbursable method of payment (such as a credit or debit card), you may (or may not) fall under a geographic “cooling off” period, as follows:
        Generally, all purchases are final and non-refundable, and there are no refunds or credits for partially-used periods, except if the laws applicable in your jurisdiction provide for refunds. In other words, special terms may apply in certain countries, and in certain states in the USA.

        Some jurisdictions offer consumers a “cooling off” period (also known as a “right of regret”) with respect to purchases made online. In an effort to provide members with appropriate rights of cancellation, Ashley Madison will offer you the right to cancel, for any reason, any purchase made through the Site (see Section 5.D.i. and Section 5.E. for purchases made through the Mobile Applications) within any statutory or regulatory “cooling off” period that applies in the geographic jurisdiction in which you reside at the time you make your purchase on the Site (the “Cancellation Period”). In such a situation, you shall receive a pro-rated refund applied back to the method of payment used to make the purchase, so long as it is a reimbursable method of payment (such as a credit or debit card), and not a non-reimbursable method of payment (such as a gift card, banker’s cheque or money order).

        Geographic Cancellation Periods include (but may not be limited to) the following:

        For members residing in the UK, the EU, or the European Economic Area, the Cancellation Period is fourteen (14) calendar days.

        For members in Argentina, the Cancellation Period is ten (10) calendar days.

        For members residing in Brazil^*, South Korea or Taiwan, the Cancellation Period is seven (7) calendar days.

        ^* If the day after purchase is a non-business day, the 7-day period in Brazil will start on the next business day.

        For members residing in Mexico, the Cancellation Period is five (5) business days.

        For members residing in South Africa, the Cancellation Period is five (5) business days BUT ONLY WHERE DIRECT MARKETING resulted in your purchase.

        For members residing in Arizona, California, Connecticut, Illinois, Iowa, Minnesota, New Jersey, New York, North Carolina, Ohio, Rhode Island and Wisconsin, the Cancellation Period ends at midnight on the third (3^rd) business day following the date of your purchase. In addition, in the event that you die before the end of a subscription period, your estate shall be entitled to a refund of that portion of any payment you had made for your subscription which is allocable to the period after your death. In the event that you become disabled (such that you are unable to use our Services) before the end of a subscription period, you shall be entitled to a refund of that portion of any payment you had made for your subscription which is allocable to the period after your disability by providing the company notice in the same manner as you request a refund, as described below.

        For all members, to the extent that the laws of your jurisdiction of residence provide for a cooling off period that is not mentioned above (or for a longer cooling off period than is mentioned above), you will be entitled to cancel during such period in accordance with the laws of your jurisdiction of residence. Notwithstanding the foregoing, to the extent that the laws of your jurisdiction allow us to contract for no cooling off period (e.g., the laws of Japan), there will be no cooling off period for your jurisdiction.

        Additional, special provisions apply, as follows:

        For members residing in the UK or the EU, if you request that we start providing access to your purchased credits (or other units) or to other Services during the Cancellation Period, you will lose your right to cancel once you have used such credits (or other units) or other Services fully.

        For members residing outside of the UK or the EU, we automatically will start providing access to your purchased credits (or other units), or to other Services for which you subscribe, during the Cancellation Period. You will lose your right to cancel once you have used such credits (or other units) or other Services fully.

        For all members, although you are liable for the credits (or other units) or the paid-for Services used prior to cancellation, if you have not yet used all the credits (or other units) or the paid-for Services and if you request cancellation during the Cancellation Period, you can receive a pro-rated refund applied back to the method of payment used to make the purchase (but, as noted above, this must be a reimbursable method of payment for the Cancellation Period to apply).

        How to obtain a refund, where applicable:

        You may exercise any statutory or regulatory “right of regret” by notifying us of your decision to cancel your purchase: (i) via the Contact Us form;: (ii) by sending us the Model Cancellation Form set out at the end of these Terms; or (iii) by email to [email protected].

        Prorated refunds will be calculated as follows:

        1. For credit or other unit purchases:
           We will refund you for the purchase of your credit or other unit package (if we have received your cancellation notice within the Cancellation Period) based on the following formula (where “units” refers to credits or any other type of unit, such as minutes):

           [price paid for units] – [[number of units used] x [price paid for units / number of units purchased]]

        2. For subscription purchases: We will refund you for the purchase of a subscription if we have received your cancellation notice within the Cancellation Period, based on the following formula:

           [price paid for initial subscription term] – [[number of days (complete or partial) which elapsed from the purchase date] x [price paid for initial subscription term / number of days in the initial subscription term]]

           AFTER THE EXPIRATION OF THE CANCELLATION PERIOD, OR ONCE YOU HAVE CEASED TO HAVE A RIGHT TO CANCEL – DUE TO USING ALL THE CREDITS (OR OTHER UNITS) OR THE PAID-FOR SERVICES – YOU AGREE THAT YOUR PURCHASES, INCLUDING YOUR PURCHASE OF CREDITS (OR OTHER UNITS) AND SUBSCRIPTIONS, ARE NON-REFUNDABLE EXCEPT WHERE WE HAVE BREACHED THESE TERMS, IN WHICH CASE YOU MAY BE ENTITLED TO A REFUND UNDER APPLICABLE LAW.

   5. Mobile Applications
      Please note that, where you are using the Services via a Mobile Application and paying for the application through Google Play or Apple’s App Store, iTunes, or Apple ID, all billing issues (including but not limited to the collection of sales tax and the response to refund requests) will be handled by Google or Apple as applicable. Google or Apple, as applicable, shall be fully responsible for any billing errors, and your sole recourse with respect to such errors shall be through Google or Apple, not through Ashley Madison.

      If you or we delete your account, this will not automatically result in a deletion of any renewable subscription that you have paid for through Google Play or Apple’s App Store, iTunes or Apple ID. You will have to cancel that billing separately from deleting your Ashley Madison account.

      We will retain all funds charged to your Google Play or Apple’s App Store, iTunes or Apple ID account until you cancel your subscription through Google or Apple, as applicable.

   6. Chargebacks
      If you desire a refund on a reimbursable method of payment (such as a credit or debit card), we request that you contact us first (at [email protected]), thereby giving us an opportunity to resolve your dispute. Please note that repayments do not occur in real time so, if we inform you that we have made a repayment, you should wait at least fifteen (15) business days to see it reflected in your credit or debit card account. You acknowledge that you are not entitled to two refunds related to the same payment and, therefore, you agree not to initiate a refund request with your credit or debit card company when you already have initiated such a request with us (until and unless we have refused your request). Additionally, if you do initiate separate refund requests and receive two refunds, we may take steps with your credit or debit card company to revert one of those refunds.

      If you initiate a chargeback or otherwise reverse a payment made with your method of payment, we may terminate your account immediately in our sole discretion, on the basis that you have determined that you do not want an Ashley Madison account. If you choose to reinstate your account or get a new account after a chargeback payment has been made by us, we will require you to repay that amount to us plus pay for new credits and/or a new subscription, in order to get your old or new account up and running.

      In the event that your chargeback or other payment reversal is overturned, please contact [email protected] to discuss your account status.

      As noted in our Privacy Policy, your personally-identifiable information may be shared with the payment processor in order to assist us in responding to your chargeback request.

6. Liability

   1. Our Liability
      The following provision is not applicable to residents of Quebec, to the extent that it conflicts with the Quebec Consumer Protection Act.

      We are not responsible for anything that: (i) was not foreseeable to you and/or to us when these Terms were entered into by you; or (ii) is not directly caused by any breach of our obligations or otherwise directly caused by us.

      To the maximum extent permitted by applicable law, in no event shall we, or any of our licensees or affiliates, or any of their or our shareholders, officers, directors, employees, contractors, representatives, agents, licensors, successors or assigns, be liable for (even if we or they have been advised of the possible existence of, or should have known about or foreseen) any of the following:

      1. ANY LOSSES OR DAMAGES, WHETHER ACTUAL, INCIDENTAL, DIRECT, INDIRECT, INTANGIBLE, GENERAL, CONSEQUENTIAL RELIANCE, COMPENSATORY, PUNITIVE, ENHANCED, SPECIAL, MORAL AND/OR EXEMPLARY, INCLUDING, WITHOUT LIMITATION: BODILY INJURY; DEATH; EMOTIONAL DISTRESS; LOSS OF GOODWILL; REPUTATIONAL HARM; DAMAGE TO YOUR COMPUTER HARDWARE, DAMAGE TO YOUR COMPUTER SOFTWARE, OR OTHER EQUIPMENT OR TECHNOLOGY DAMAGE OR MALFUNCTION (INCLUDING BUT NOT LIMITED TO DAMAGE TO YOUR COMPUTER LINE OR NETWORK FAILURE), AND ANY RELATED LOSSES SUCH AS LOSS OF BUSINESS, REVENUE, SAVINGS OR PROFITS; SERVICE INTERRUPTION; LOSS OR CORRUPTION OF DATA; PROCUREMENT OF SUBSTITUTE SERVICES; PECUNIARY LOSS AND/OR ANY OTHER TANGIBLE OR INTANGIBLE LOSS OR DAMAGE (INCLUDING BUT NOT LIMITED TO EMOTIONAL DISTRESS, FINANCIAL LOSS OR REPUTATIONAL HARM RELATED TO YOUR SPOUSE, SIGNIFICANT OTHER, FAMILY MEMBERS, FRIENDS, WORK ASSOCIATES AND/OR CUSTOMERS LEARNING THAT YOU ARE ENGAGED IN INFIDELITY) ARISING OUT OF OR RELATING TO:

         1. YOUR USE, LOSS OF USE, OR INABILITY TO USE THE PLATFORMS AND/OR THE SERVICES (INCLUDING DELAYS IN OPERATION OR TRANSMISSION, INTERRUPTIONS IN SERVICES, TERMINATION OF YOUR ACCOUNT, TERMINATION OF YOUR ACCESS TO THE PLATFORMS, OR PERFORMANCE OF THE PLATFORMS);

         2. MODIFICATION OF ANY PART OF, OR CONTENT IN, THE PLATFORMS AND/OR OUR SERVICES;

         3. THE ACCURACY, TIMELINESS, PERFORMANCE, COMPLETENESS OR SUITABILITY OF ANY CONTENT OR THE SERVICES FOR ANY PARTICULAR PURPOSE (INCLUDING ANY DAMAGES CAUSED BY FRAUD, ERROR, OR OMISSION);

         4. ANY DATA BREACH OR ANY OTHER SECURITY INTRUSION, OR ANY PROGRAMMING ERRORS, BUGS, COMPUTER VIRUSES, WORMS, CANCEL BOTS, TROJAN HORSES OR SIMILAR PROGRAMS, OTHER SOFTWARE OR HARDWARE FAILURES, MALICIOUS SOFTWARE OR HARMFUL COMPONENTS, FLOOD PINGS, DENIAL OF SERVICE ATTACKS, SPAMMING, HACKING, PACKET OR IP SPOOFING, CORRUPTED FILES, TAMPERING, HOAXES, FRAUD, OTHER ERROR, OMISSION, INTERRUPTION, DELAY IN OPERATION OR TRANSMISSION, COMPUTER LINE OR NETWORK FAILURE, OR ANY OTHER TECHNICAL OR NON-TECHNICAL MALFUNCTION OR DEFECT;

         5. YOUR CONDUCT OR THE CONDUCT OF ANY OTHER MEMBER IN CONNECTION WITH THE USE OF THE PLATFORMS AND/OR THE SERVICES;

         6. YOUR COMMUNICATIONS WITH OTHER MEMBERS OF THE SERVICES, INCLUDING MESSAGES OR ANY OTHER COMMUNICATIONS SENT BY OTHER MEMBERS OF THE SERVICE TO YOU (OR SENT BY YOU TO OTHER MEMBERS OF THE SERVICE) AND THE ACCURACY, INACCURACY, COMPLETENESS, INCOMPLETENESS, OR DEFECTIVENESS OF THE INFORMATION COMMUNICATED TO YOU BY OTHER MEMBERS (AND BY YOU TO OTHER MEMBERS), INCLUDING MEMBER CONTENT POSTED ON OUR PLATFORMS OR IN CONNECTION WITH THE SERVICE OR TRANSMITTED TO YOU OR OTHER MEMBERS VIA OUR PLATFORMS;

         7. YOUR MEETINGS AND OTHER INTERACTIONS WITH OTHER MEMBERS OF THE SERVICE, OR PERSONS YOU MEET THROUGH THE SERVICE, WHETHER SUCH MEETINGS OR INTERACTIONS TAKE PLACE ON OUR PLATFORMS, VIA OTHER ONLINE METHODS, TELEPHONIC METHODS, OR OFFLINE;

         8. ANY PRODUCTS OR SERVICES PROVIDED BY THIRD PARTIES, INCLUDING ANY THIRD PARTIES REFERENCED IN THE PLATFORMS OR THE SERVICES;

         9. ANY ACTS OR OMISSIONS OF THIRD PARTIES, INCLUDING VIOLATION OF YOUR RIGHTS, OR ANY FRAUD BY ANY THIRD-PARTY VENDOR OR ANY OTHER MEMBER;

         10. ANY ACTION TAKEN IN CONNECTION WITH AN INVESTIGATION BY US, LAW ENFORCEMENT AUTHORITIES, OR OTHER PERSONS WHO OBTAIN SUBPOENAS, COURT ORDERS, SEARCH WARRANTS OR SIMILAR LEGAL DISCOVERY DOCUMENTS, WHERE SUCH INVESTIGATION IS CONDUCTED REGARDING YOUR USE OF THE PLATFORMS AND THE SERVICES;

         11. ANY ACTION TAKEN IN CONNECTION WITH COPYRIGHT OR OTHER INTELLECTUAL PROPERTY OWNERS

      2. THE USE BY OTHER MEMBERS OF ANY INFORMATION WHICH YOU PROVIDE TO THEM;

      3. THE ACTIONS OR INACTIONS OF ANY THIRD PARTIES THAT WE DO NOT CONTROL (INCLUDING BUT NOT LIMITED TO OTHER MEMBERS OF OUR PLATFORMS OR OUR SERVICES AND THIRD-PARTY MARKETING AFFILIATES);

      4. ANY PROBLEM, TECHNICAL MALFUNCTION OR SECURITY ISSUE RELATED TO ANY TELEPHONE NETWORK OR LINES, COMPUTER ONLINE SYSTEMS, SERVERS OR PROVIDERS, COMPUTER EQUIPMENT, MOBILE DEVICE EQUIPMENT, SOFTWARE, EMAIL OR PLAYERS, ANY TRAFFIC CONGESTION ON THE INTERNET OR AT ANY WEBSITE, OR ANY COMBINATION THEREOF, WHERE SUCH ISSUE HAS NOT BEEN CAUSED BY US OR BY ANY PARTY THAT WE CONTROL; AND

      5. ANY FAILURE OR DELAY IN PERFORMING UNDER THESE TERMS WHERE SUCH FAILURE OR DELAY IS DUE TO CAUSES BEYOND OUR REASONABLE CONTROL, INCLUDING WITHOUT LIMITATION: NATURAL CATASTROPHE; FIRE; EPIDEMIC; PANDEMIC; QUARANTINE; GOVERNMENTAL ACT OR OMISSION; LAW OR REGULATION; WAR; TERRORISM (WHETHER ACTUAL OR THREATENED); RIOT, INSURRECTION OR CIVIL UNREST; FAILURE, DELAY OR DIMINISHMENT OF ELECTRICAL POWER OR OTHER UTILITY, INTERNET SERVICE, CO-LOCATION, DATA NETWORK OR SERVICE, WIRELESS CARRIER CONNECTIVITY OR TELECOMMUNICATION SERVICE; TRANSPORTATION STOPPAGE OR SLOWDOWN; STRIKE OR LABOUR ACTION; BLOCKADE; NON-ASHLEY MADISON APPLICATION; DENIAL OF SERVICE OR SIMILAR ATTACK; ACT OF CIVIL OR MILITARY AUTHORITIES; ACCIDENT; ENERGY CRISIS, OR ISSUE CAUSED BY ANY MEMBER’S DEVICE(S), EQUIPMENT OR SYSTEM(S) (“FORCE MAJEURE”).

      6. BUSINESS LOSSES AND/OR LOSSES TO NON-CONSUMERS. (SEE SECTION 3.D. FOR YOUR OBLIGATION TO USE OUR PLATFORMS AND THE SERVICES FOR PERSONAL, NON-COMMERCIAL USE ONLY.)

      7. ANY LOSSES OR DAMAGES ARISING FROM OR RELATED TO ANY AND ALL EMAIL AND/OR TEXT MESSAGES SENT BY ANY INDIVIDUAL OR ENTITY WHICH WE DO NOT OWN AND/OR OPERATE. YOU ACKNOWLEDGE AND AGREE THAT YOU SHALL NOT TAKE ANY LEGAL ACTION AGAINST US (OR AGAINST OUR LICENSEES OR AFFILIATES, OR ANY OF THEIR OR OUR SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, REPRESENTATIVES, AGENTS, LICENSORS, SUCCESSORS OR ASSIGNS) WITH RESPECT TO ANY SUCH EMAIL(S) AND/OR TEXT MESSAGE(S) THAT YOU RECEIVE,EVEN IF THE CONTENT OF ANY MESSAGE INCLUDES REFERENCE TO US, OUR PLATFORMS, OR OUR SERVICES, OR IF SUCH MESSAGE PURPORTS TO HAVE BEEN SENT ON OUR BEHALF.

         IF YOU ARE DISSATISFIED WITH THE SERVICES IN ANY WAY BUT HAVE INCURRED NO LOSSES OR DAMAGES CAUSED BY US, YOUR SOLE AND EXCLUSIVE REMEDY SHALL BE YOUR TERMINATION OF YOUR ACCOUNT AND DISCONTINUATION OF YOUR ACCESS TO, OR USE OF, THE SERVICES.

   2. Limitation of Liability
      TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES WILL ASHLEY MADISON’S (OR OUR LICENSEES’ OR AFFILIATES’, AND OUR AND THEIR SHAREHOLDERS’, OFFICERS’, DIRECTORS’, EMPLOYEES’, CONTRACTORS’, REPRESENTATIVES’, AGENTS’, SUCCESSORS’ AND ASSIGNS’) LIABILITY TO YOU FOR ANY AND ALL LOSSES OR DAMAGES SUFFERED IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICES EXCEED: (i) FOR PAYING CUSTOMERS, THE AMOUNT PAID BY YOU TO USE THE PLATFORMS AND THE SERVICES DURING THE THREE (3) MONTHS PRIOR TO THE ACT OR OMISSION GIVING RISE TO LIABILITY, OR THE EQUIVALENT OF TWO HUNDRED CANADIAN DOLLARS (CAD $200.00), WHICHEVER IS LESS; OR (ii) IF YOU HAVE NOT PAID TO USE THE PLATFORMS AND THE SERVICES, THE EQUIVALENT OF FIFTY CANADIAN DOLLARS (CAD $50.00). THESE TERMS SET FORTH THE TOTAL LIABILITY OF ASHLEY MADISON AND OUR LICENSEES AND AFFILIATES, AND OUR AND THEIR SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, REPRESENTATIVES, AGENTS, SUCCESSORS AND ASSIGNS, AS WELL AS YOUR EXCLUSIVE REMEDY WITH RESPECT TO ACCESS AND USE OF THE SERVICES AND PLATFORMS.

      THIS LIMITATION ON LIABILITY PROVISION MAY NOT APPLY IN CERTAIN JURISDICTIONS (E.G., IT WILL NOT APPLY IF YOU ARE A RESIDENT OF THE UK).

   3. Your Liability
      You are responsible for, and agree to indemnify and defend us against, and release and hold us harmless from, the claims, actions, proceedings, complaints, demands, losses, costs, damages, liabilities and expenses (including reasonable attorneys’ fees, court costs and costs related to Online Dispute Resolution or arbitration [see Section 7]) incurred by us (or by any person engaged in the provision of the Services or the Platforms) to the extent they arise out of or relate in any way to: (a) your access to, or use of, or inability to use the Platforms and the Services; (b) Your Content; (c) your conduct towards any other member; (d) your infringement of the intellectual property rights of a person other than yourself; (e) your breach of these Terms; (f) your violation of any rights of a third party; (g) your negligent acts or omissions, or wilful misconduct or (h) your breach of any applicable law(s). You agree not to settle any such matter without our prior written consent. We reserve the right, at our own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us fully in asserting any available defenses. For greater clarification, the terms “us” and “our” in this Section 6.C. shall refer to us and our licensees and affiliates, and our and their, shareholders, officers, directors, employees, contractors, representatives, agents, successors and assigns.

      WARNING: Infidelity can lead to separation, divorce, child custody issues, familial alienation, public disapproval, damage to your professional standing, etcetera. Proceed to have an affair at your own risk.

   4. Exceptions
      Nothing in this Agreement shall exclude or limit any of our liability for losses which may not be lawfully excluded or limited by applicable law, in which case, our liability will be excluded or limited to the greatest extent permitted by applicable law.

      For greater clarification:

      (1) Some U.S. states do not allow the exclusion or limitation of incidental or consequential damages, so the above exclusions and limitations may not fully apply to you.

      (2) For U.K. residents, and elsewhere as required by applicable law, nothing in this agreement shall exclude or limit our liability for death or personal injury caused by: (i) negligence; (ii) fraud or fraudulent misrepresentation; or (iii) any other liability to the extent that such liability cannot be excluded or limited by applicable law.

      (3) For German residents, the following applies in lieu of any conflicting or inconsistent language in the Terms:

      i. Wir sind ausschließlich wie folgt haftbar: Wir haften unbeschränkt gemäß den gesetzlichen Bestimmungen (i) für Schäden die aus der Verletzung von Leben, Körper oder Gesundheit entstehen; (ii) bei Vorsatz; (iii) bei grober Fahrlässigkeit; und (iv) gemäß dem Produkthaftungsgesetz. Ohne dass dies das Vorstehende einschränkt, haften wir für leichte Fahrlässigkeit nur im Falle der Verletzung einer „wesentlichen“ Pflicht aus diesem Vertrag. „Wesentliche“ Pflichten in diesem Sinne sind Pflichten, die für die Erfüllung des Vertrags nötig sind, deren Verletzung die Erreichung des Vertragszwecks in Frage stellen würde, und auf deren Einhaltung du daher regelmäßig vertrauen darfst. In diesen Fällen ist die Haftung beschränkt auf vertragstypische und vorhersehbare Schäden; in sonstigen Fällen besteht keine Haftung für leichte Fahrlässigkeit;

      ii. Soweit die Haftung von Ashley Madison nach den vorstehenden Vorschriften ausgeschlossen oder beschränkt ist, gilt dies auch für die Haftung von Ashley Madison für seine gesetzlichen Vertreter, Mitarbeiter und Erfüllungsgehilfen;

      iii. Diese Haftungsbegrenzungen bleibt über das Ende des Vertragsverhältnisses mit dir und Ashley Madison sowie über die Dauer deiner Nutzung derServices hinaus wirksam.

   5. Applicability and Survivability
      The waivers and limitations specified in this Section 6 shall survive and apply regardless of the form of action, whether based in equity, contract (including warranty), tort (including active, passive or imputed negligence), strict liability, product liability, or otherwise, even if any limited remedy in the Terms fails of its essential purpose.

7. Dispute Resolution

   Please read this carefully. It affects your rights. By using our Services or Platforms in any manner, you are agreeing to this Section 7.

   • Scope (applies to members in all countries, with alternate provisions for members who are: (i) residents the European Union, Norway, Iceland or Liechtenstein; or (ii) residents of Brazil or the United Kingdom [“UK”])

     To the extent that it is not prohibited by the law of the jurisdiction in which the member resides, all disputes, claims, controversies, causes of action (in tort, contract, by statute, regulation, ordinance or any other legal or equitable theory), including, without limitation, disputes arising from or relating to: (a) these Terms (including this Section 7 and the interpretation, breach, termination, enforceability and/or validity of any part of these Terms, including of this Section 7); or (b) the relationship between you and Ashley Madison (including your use of the Platforms or the Services at any time) (collectively, “Disputes”) shall be resolved by: (i) a pre-arbitration dispute resolution process; or, failing that, (ii) binding arbitration.

     Notwithstanding the foregoing or anything else in this Section 7, for members who are residents of the European Union, Norway, Iceland or Liechtenstein, you: (i) have the option of a different dispute resolution process; and, (ii) you may choose to (but are not obliged to) engage in binding arbitration.

     Notwithstanding the foregoing or anything else in this Section 7, for members who are residents of Brazil or the UK, you may choose to (but are not obliged to) resolve Disputes by: (i) a pre-arbitration dispute resolution process; or, failing that, (ii) binding arbitration.

     The intent of this section of the Terms is to facilitate the prompt and efficient resolution of any Disputes that may arise between you and Ashely Madison. Arbitration is a form of private dispute resolution in which parties to a contract agree to submit their Disputes to a neutral third person (called an arbitrator) for a binding decision, instead of having such Disputes decided in a court by a judge or jury trial.

     “Disputes” is to be given the broadest possible meaning that will be enforced, except that “Disputes” excludes disagreements relating to the enforcement or validity of Ashley Madison’s intellectual property rights. WE EACH AGREE THAT, EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 7, ANY AND ALL DISPUTES, WHETHER PRESENTLY IN EXISTENCE OR BASED ON ACTS OR OMISSIONS IN THE PAST OR THE FUTURE, WILL BE RESOLVED EXCLUSIVELY AND FINALLY BY A PRE-ARBITRATION DISPUTE RESOLUTION PROCESS OR BY BINDING ARBITRATION RATHER THAN IN COURT, IN ACCORDANCE WITH THIS SECTION 7.

   • Timing of Disputes and Notice of Claim(s) (applies to members in all countries, except as specified)

     Any Dispute must be filed within one (1) year of the date the Dispute arose or occurred; otherwise, it is barred permanently, unless such a bar is prohibited by legislation in the country where you reside. ^* The parties expressly waive any contrary statute of limitations or time bars, both legal and equitable, to any Dispute. Arbitration shall be commenced by filing a notice of claim(s) pursuant to the applicable rules referred to in Section 7.D. (which vary depending on the country where the member resides).

     ^* For greater clarification, this time bar does not apply in certain countries, including (but not necessarily limited to) Australia, Brazil, Israel, Taiwan or the UK.

   • Pre-Arbitration Dispute Resolution Process (applies to members in all countries, with: (i) an additional, specific provision for members who are residents of the European Union, Norway, Iceland or Liechtenstein; and (ii) an alternate provision for members who are residents of Brazil or the UK)

     We hope we never have a Dispute but, if we do, you and we agree to make a good faith effort, for at least sixty (60) calendar days, to resolve it informally. For greater clarification, if either party has any potential Dispute with the other, the complaining party must first give the other party an opportunity to resolve the Dispute prior to initiation of arbitration.

     If you are the party who feels that a Dispute exists and that our customer service representatives haven’t been able to resolve it, you must commence this resolution process by mailing written notification to [email protected]. Your written notification must include: (1) your name; (2) your postal address; (3) a written description of the Dispute; and (4) a description of the specific relief you seek. You agree to try in good faith to resolve the Dispute within sixty calendar (60) days of that request, following which either party may file for binding arbitration (see Section 7.D., below).

     For members who are residents of the European Union, Norway, Iceland or Liechtenstein, the parties will engage in the informal dispute resolution mentioned in the prior two paragraphs of this Section 7.C., followed by (or replaced by, if you prefer) online dispute resolution pursuant to the Online Dispute Resolution (“ODR”) platform (ec.europa.eu/odr) (an “ODR Proceeding”), rather than followed by binding arbitration. However, you may choose to (but are not obliged to) engage in binding arbitration.

     For members who are residents of Brazil or the UK, if you have any potential Dispute with us, we hope that we can resolve it informally by both you and us making a good faith effort for at least sixty (60) days. If you feel that a Dispute exists and that our customer service representatives haven’t been able to resolve it, please contact [email protected] with the following details: (1) your name; (2) your postal address; (3) a written description of the Dispute; and (4) a description of the specific relief you seek. We will endeavour to respond to your email within one to seven (1-7) business days. If you opt for this process, and if it does not lead to a resolution, then you may choose to (but are not required to) engage in binding arbitration.

   • Binding Arbitration Standards (e.g., Applicable Rules and Laws, Arbitrator Qualifications, Official Language, and Venue) (differs depending on the country where the member resides)

     For members who are residents of the European Union, Norway, Iceland or Liechtenstein, you are not obliged to comply with this Section 7.D. The ODR platform – ec.europa.eu/odr – shall be used to resolve any Disputes (as discussed above). However, if you choose to, you may engage in binding arbitration as discussed below.

     For members who are residents of Brazil or the UK, you are not obliged to comply with this Section 7.D., which shall not in any way prevent you from start court proceedings. However, if you choose to, you may engage in binding arbitration as discussed below.

     For members who are residents of all other countries (and for members of the European Union, Norway, Iceland, Liechtenstein, Brazil or the UK who choose to engage in binding arbitration:

     • If you file any Disputes against us in an arbitration proceeding, please note that we will file any Disputes we have against you as counterclaims, so that all Disputes between us will be resolved by a single proceeding.

     • Arbitration replaces the right to go to court and, therefore, the parties waive any right that you or Ashley Madison might otherwise have had to a jury trial or the opportunity to litigate any Disputes in court before a judge.

     • An arbitrator’s decision shall be final and binding on all parties and judgment upon the award rendered may be entered and will be enforceable in any court of competent jurisdiction having jurisdiction over you and us.

     • An arbitrator’s decision and judgment thereon shall have no precedential or collateral estoppel effect.

     • Unless otherwise explicitly stipulated hereby, the procedure and service of notice of the arbitration shall follow the rule of the applicable arbitration institute or entity (see below).

     • Notwithstanding the foregoing, Ashley Madison reserves the right to pursue the protection of its intellectual property rights and confidential information, and to stop other illegal activities, through immediate injunctive relief or other equitable relief at any time (and without first resorting to informal dispute resolution procedures or binding arbitration), through any courts of competent jurisdiction.

     • In addition to the above, the provisions applicable to the member’s country of residence, as set forth below, also shall apply.

     For members who are residents of the USA, if the parties engage in arbitration:

     • it shall be administrated by JAMS (see jamsadr.com)

     • it shall be performed by a single, independent and impartial arbitrator, agreed to by both parties

     • the arbitrator shall act pursuant to the Federal Arbitration Act (“FAA”) and the JAMS Comprehensive Arbitration Rules and Procedures (“JAMS Rules”), with priority given, where feasible for the parties, to the expedited procedures that existed on June 1, 2018, including Rules 16.1 and 16.2 of the JAMS Rules

     • these Terms shall govern to the extent that they conflict with the JAMS Rules; however, if the arbitrator determines that strict application of these Terms would not result in a fundamentally fair arbitration, the arbitrator may make any order necessary to provide a fundamentally fair arbitration that is consistent with the JAMS Rules

     • it is the intent of the parties that the FAA and JAMS Rules shall pre-empt all other federal and state laws to the maximum extent permitted by law

     • if the FAA and JAMS Rules are found not to apply to any issues that arise under this Section 7, then that issue shall be resolved under the laws of the State of New York, exclusive of conflict or choice of law rules

     • the arbitrator shall: (i) be chosen from JAMS’ roster of neutral consumer dispute arbitrators; (ii) be either a retired judge or an attorney specifically licensed to practice law in the State of New York; (iii) have experience with and knowledge of information technology, and commercial websites and mobile applications; (iv) be fluent in the English language; and (v) be willing to manage the proceedings through the use of telephonic and/or video communications, and electronic submission of documents

       • if no arbitrator in the JAMS roster meets requirements (ii)-(v), then the parties shall find and agree upon another individual who meets requirements (ii)-(v), in which case, the arbitration shall not be administered by JAMS but the arbitrator still shall act pursuant to the JAMS Rules unless the parties jointly agree to another set of arbitration rules

     • if your claim does not exceed Eight Thousand American Dollars (USD $8,000.00^*), then the arbitration will be conducted solely on the basis of documents you and Ashley Madison submit to the arbitrator, unless either party requests a hearing or the arbitrator deems that a hearing is necessary

     • subject to the JAMS rules, the arbitrator shall have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration

     • the official language of the arbitration shall be English

     • any witness whose native language is not English may give testimony in the witness’s native language, with simultaneous translation into English

     • to commence an arbitration against Ashley Madison, you must complete a short form, submit it to JAMS, and send a copy to us at ruby Life Inc., PO Box 67027, Toronto, Ontario, Canada M4P 1E4, with a copy to [email protected].

     • to learn more about commencing an arbitration and to obtain a form to institute arbitration, you may visit the JAMS website and download the form at: jamsadr.com/files/Uploads/Documents/JAMS_Arbitration_Demand.pdf

     • to the extent not prohibited by the law of the state in which you preside, the exclusive venue for the arbitration shall be New York, New York

     • the parties may agree mutually on an alternate venue, in the event that New York City is an inconvenient forum

     • the parties will endeavour to eliminate the need for any long-distance travel through use of telephonic and/or video communications, and electronic submission of documents, as permitted under the JAMS Rules

     ^* The parties acknowledge that the limitation of liability cap set forth in Section 6.B., which is rationally related to members’ expenditures, is well below USD $8,000.00 and, as a result, the parties likely would find that the expense of arbitration – although lower than the expense of litigation – would far exceed the liability cap, making the pre-arbitration dispute resolution process set forth in Section 7.C. a more appropriate option for most Disputes.

     For members who are residents of Canada, if the parties engage in arbitration:

     • it shall be administered by Arbitration Place (see arbitrationplace.com)

     • it shall be performed by a single, independent and impartial arbitrator, agreed to by both parties

     • the arbitrator shall act pursuant to the Arbitration Act, S.O. 1991 and the Arbitration Rules of the ADR Institute of Canada, effective December 1, 2016 (see adric.ca/wp-content/uploads/2017/08/2016_ARBITRATION_RULES_Booklet_2016_Aug2017.pdf [“ADRIC Rules”])

     • these Terms shall govern to the extent that they conflict with the ADRIC rules; however, if the arbitrator determines that strict application of these Terms would not result in a fundamentally fair arbitration, the arbitrator may make any order necessary to provide a fundamentally fair arbitration that is consistent with the ADRIC Rules

     • it is the intent of the parties that the Arbitration Act, S.O. 1991 and the ADRIC Rules shall pre-empt all federal and other provincial laws to the maximum extent permitted by law

     • if the Arbitration Act, S.O. 1991 and the ADRIC Rules are found not to apply to any issues that arise under this Section 7, then that issue shall be resolved under other laws of the Province of Ontario, exclusive of conflict or choice of law rules

     • the arbitrator shall: (i) be chosen from the Arbitration Place roster of neutral consumer dispute arbitrators; (ii) be either a retired judge or a lawyer specifically licensed to practice law in the Province of Ontario; (iii) have experience with and knowledge of information technology, and commercial websites and mobile applications; (iv) be fluent in the English language; and (v) be willing to manage the proceedings through the use of telephonic and/or video communications, and electronic submission of documents (unless both parties are located in Toronto, Ontario)

       • if no arbitrator in the Arbitration Place roster meets requirements (ii)-(v), then the parties shall find and agree upon another individual who meets requirements (ii)-(v), in which case, the arbitration shall not be administered by Arbitration Place but the arbitrator still shall act pursuant to the ADRIC Rules unless the parties jointly agree to another set of arbitration rules

     • if your claim does not exceed Ten Thousand Canadian Dollars (CAD $10,000.00^*), then the arbitration will be conducted solely on the basis of documents you and Ashley Madison submit to the arbitrator, unless either party requests a hearing or the arbitrator deems that a hearing is necessary

     • subject to the ADRIC Rules, the arbitrator shall have the discretion to direct a reasonable exchange of information by the parties

     • the official language of the arbitration shall be English

     • any witness whose native language is not English may give testimony in the witness’s native language, with simultaneous translation into English

     • to learn more about commencing an arbitration, you may visit the Arbitration Place website and use their “Contact Us” form, available at: arbitrationplace.com/contact-us

     • the exclusive venue for arbitration shall be Toronto, Ontario

     • the parties will endeavour to eliminate the need for long-distance travel through use of telephonic and/or video communications, and electronic submission of documents, as permitted under the ADRIC Rules

     ^* The parties acknowledge that the limitation of liability cap set forth in Section 6.B., which is rationally related to members’ expenditures, is well below CAD $10,000.00 and, as a result, the parties likely would find that the expense of arbitration – although lower than the expense of litigation – would far exceed the liability cap, making the pre-arbitration dispute resolution process set forth in Section 7.C. a more appropriate option for most Disputes.

     For members who are residents of any country other than the USA or Canada, if the parties engage in arbitration:

     • it shall be administered by an arbitration institute or entity agreed to by the parties

     • it shall be performed by a single, independent and impartial arbitrator, agreed to by both parties

     • the arbitrator shall act pursuant to the International Centre for Dispute Resolution’s “International Dispute Resolution Procedures (including Mediation and Arbitration Rules)” amended and effective March 1, 2021 (the “ICDR Rules”) and any statute or legislation that the parties agree is applicable to the specific facts of the Dispute in question (the “Agreed-Upon Law(s)”)

     • these Terms shall govern to the extent that they conflict with the ICDR Rules; however, if the arbitrator determines that strict application of these Terms would not result in a fundamentally fair arbitration, the arbitrator may make any order necessary to provide a fundamentally fair arbitration that is consistent with the ICDR Rules

     • it is the intent of the parties that the “Agreed-Upon Law(s)” and the ICDR Rules shall pre-empt all other federal, provincial, state, territorial or other regional (i.e., non-federal) laws of the country where the member resides to the maximum extent permitted by law, as well as the federal laws of Canada and the provincial laws of Ontario

     • if the “Agreed-Upon Law(s)” and the ICDR Rules are found not to apply to any issues that arise under this Section 7, then that issue shall be resolved under the laws of either the non-federal or federal (as agreed to by the parties) laws of the jurisdiction where the member resides, exclusive of conflict or choice of law rules

     • the arbitrator shall: (i) be chosen from the agreed-upon arbitration institute’s or entity’s roster of neutral consumer dispute arbitrators; (ii) be either a retired judge or a lawyer specifically licensed to practice law in the jurisdiction where the member resides; (iii) have experience with and knowledge of information technology, and commercial websites and mobile applications; (iv) be fluent in the official language of the arbitration; and (v) be willing to manage the proceedings through the use of telephonic and/or video communications, and electronic submission of documents

       • if no arbitrator in the agreed-upon arbitration institute’s or entity’s roster meets requirements (ii)-(v), then the parties shall find and agree upon another individual who meets requirements (ii)-(v), in which case, the arbitration shall not be administered by previously agreed-upon arbitration institute or entity but the arbitrator still shall act pursuant to the ICDR Rules unless the parties jointly agree to another set of arbitration rules

     • if your claim does not exceed the equivalent of Ten Thousand Canadian Dollars (CAD $10,000.00^*), then the arbitration will be conducted solely on the basis of documents you and Ashley Madison submit to the arbitrator, unless either party requests a hearing or the arbitrator deems that a hearing is necessary

     • subject to the ICDR Rules, the arbitrator shall have the discretion to direct a reasonable exchange of information by the parties

     • the official language of the arbitration shall be an official language of the country in which the member resides (if there is more than one such official language, the parties shall agree on the language)

     • any witness whose native language is not the official language of the arbitration may give testimony in the witness’s native language, with simultaneous translation into the official language of the proceeding

     • Where required, all written submissions of either party shall be translated into English (for Ashley Madison’s benefit) or the official language of the proceeding (for the member’s and arbitrator’s benefit)

     • The venue for arbitration shall be in the jurisdiction where the member resides, with the specific location agreed to by the parties

     • the parties will endeavor to eliminate the need for long-distance travel through use of telephonic and/or video communications, and electronic submission of documents, as permitted under the ICDR Rules

     ^* The parties acknowledge that the limitation of liability cap set forth in Section 6.B., which is rationally related to members’ expenditures, is well below the equivalent of CAD $10,000.00 and, as a result, the parties likely would find that the expense of arbitration – although lower than the expense of litigation – would far exceed the liability cap, making the pre-arbitration dispute resolution process set forth in Section 7.C. a more appropriate option for most Disputes in which the cap is legally enforceable.

   • Binding Arbitration Procedures (e.g., Representation, Discovery, Motions, Hearing, Recording of a Settlement, Communications with the Arbitrator, and Potential Consolidation) (applies to all members who, per the above provisions, engage in arbitration)

     Representation – All parties have the right, at their own expense, to be represented by an attorney or spokesperson of their own choosing.

     Discovery – In any arbitration arising out of or related to these Terms, there shall be no interrogatories or requests for admissions. The arbitrator shall grant oral discovery to preserve evidence or upon a showing of need, in which case, each side may take up to two (2) discovery depositions, where each side’s depositions are to consume no more than a total of ten (10) hours. There are to be no speaking objections at such depositions, except to preserve privilege. Written witness statements may be used in lieu of oral direct testimony if these written statements are exchanged well in advance of any hearing on the merits (or any arbitrator decision) and if the arbitrator approves of their submission. The parties or the arbitrator may grant reasonable extensions for discovery upon good cause shown. All discovery disputes shall be submitted promptly to, and resolved promptly by, the arbitrator (subject to her/his schedule). In ruling on any discovery dispute or extension request, the arbitrator shall take into consideration the nature, amount, and scope of the underlying arbitration claim, the cost and other effort that would be involved in providing the requested discovery, the case schedule, and whether the requested discovery is necessary for the adequate preparation of a claim or defense.

     Motions – Any party wishing to make a dispositive motion shall first submit a brief letter (not exceeding five [5] pages) explaining why the motion has merit and why it would speed the proceeding and make it more cost-effective. The other side shall have a brief period within which to respond. Based on the letters, the arbitrator will decide whether to proceed with more comprehensive briefing and argument on the proposed motion. If the arbitrator decides to go forward with the motion, she/he will place page limits on the briefs and set an accelerated schedule for the disposition of the motion. Under ordinary circumstances, the pendency of such a motion will not serve to stay any aspect of the arbitration, or adjourn any pending deadlines.

     Hearing – The parties acknowledge that, pursuant to Section 7.D., the general rule is that arbitration will be conducted solely on the basis of documents the member and Ashley Madison submit to the arbitrator. Notwithstanding the foregoing, in the event that a hearing takes place, consecutive hearing days shall be established unless otherwise agreed by the parties or ordered by the arbitrator. These dates may be extended by the Arbitrator for good cause shown. At the hearing, each side is to be allotted two (2) days for presentation of direct evidence and for cross examination.

     Recording of a Settlement – Notwithstanding any of the foregoing, if the parties reach a settlement of their dispute during the course of the arbitration, they may request the arbitrator to record the settlement in the form of an award on agreed terms (which need not contain reasons).

     Communications with the Arbitrator – Whenever communicating with the arbitrator, the parties must include each other – for example, by including the other party on a telephone or video conference call or copying the other party on any written submissions, such as letters or emails. To the extent possible, conferences with the arbitrator will take place by telephone or video conference call (with consideration to each party’s time zone) or email. Ex parte communications are not permitted with the arbitrator.

     Potential Consolidation – The parties acknowledge that, pursuant to Section 7.H., class and consolidated actions are expressly prohibited by these Terms. However, if both parties agree that the specific facts of the Dispute in question warrant a consolidated arbitration proceeding, and if the arbitrator and the other parties that would join the consolidated arbitration proceeding also agree, then consolidation shall be allowed notwithstanding Section 7.H.

   • Limitation of Liability and Nature of Award (applies to all members who, per the above provisions, engage in arbitration)

     In any arbitration or ODR Proceeding arising out of or related to this Agreement, the arbitrator or ODR Proceeding decision maker is not empowered to award any incidental, indirect consequential, punitive or exemplary damages, including damages for lost profits, except where expressly permitted by statute. The parties waive any right to recover such damages, unless such a waiver is prohibited by legislation in the country where the member resides. ^* For additional details and greater clarification, see Section 6 (“Liability”).

     ^* For greater clarification, this limitation does not apply in certain countries, including (but not necessarily limited to) the UK.

   • Payment of Arbitration Filing Fees and Reasonable Costs (applies to all members who, per the above provisions, engage in arbitration)

     You are responsible for paying 50% of the filing fee set forth in the applicable arbitration institute’s or entity’s fee schedule for consumer disputes. We will pay the remaining 50% of the filing fee if you provide us with notice prior to filing your claim.

     The parties acknowledge that a “prevailing party clause” tends to discourage frivolous claims, counterclaims and defenses, as well as “scorched earth” discovery, in an arbitration. Accordingly, in any arbitration arising out of or related to this Agreement, the arbitrator may award to the prevailing party, if any, the costs and attorneys’ fees reasonably incurred by the prevailing party in connection with the arbitration. If the arbitrator determines a party to be the prevailing party under circumstances where the prevailing party won on some but not all of the claims and counterclaims, the arbitrator may award the prevailing party an appropriate percentage of the costs and attorneys’ fees reasonably incurred by the prevailing party in connection with the arbitration.

   • Class and Consolidated Claims Waiver (applies to members in all countries)

     To the extent permitted under applicable law, it is agreed that neither party shall have the right to participate as a class representative or class member with respect to any Dispute subject to pre-arbitration dispute resolution or binding arbitration under these Terms, or any Dispute between the parties. Except as otherwise provided in this Section 7, the arbitrator (or ODR Proceeding decision maker, where applicable) may not consolidate more than one person’s claims, and may not otherwise preside over any form of a class or representative proceeding or claims (such as a class action, collective action, consolidated action, representative action, or class arbitration).

     If you choose to pursue your Dispute in court (e.g., where applicable law allows for such lawsuit despite the existence of this Section 7), it still is agreed that neither party shall have the right to participate as a class representative or class member with respect to any Dispute between the parties, except where the law of the applicable jurisdiction does not allow for a class action waiver (also known as a consolidated claims waiver).

   • Waiver of Trial (applies to all members with an alternate provision for members who are residents of the UK)

     To the extent such a waiver is not prohibited by the law of the jurisdiction in which the member resides, THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL, STATUTORY, REGULATORY AND COMMON LAW (IF APPLICABLE) RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by binding arbitration or ODR Proceeding under the terms of this Section 7. Arbitration procedures (and ODR Proceedings pursuant to ec.europa.eu/odr) are typically more limited, more efficient, and less costly than rules applicable in court and are subject to very limited judicial review, all of which benefits both parties. In the event any litigation should arise between you and Ashley Madison in any federal court, or in any state, provincial, territorial or other regional (i.e., non-federal) court, in a suit to vacate or enforce an arbitration award (or an ODR Proceeding award) or otherwise, YOU AND ASHLEY MADISON WAIVE ALL RIGHTS TO A TRIAL IN FRONT OF A JURY, instead electing that the dispute be resolved by a judge.

     For members who are residents of the UK and who choose to engage in binding arbitration, you hereby waive all rights to a jury trial with regards to a suit to vacate or enforce an arbitration award, instead electing that the dispute be resolved by a judge. Members who reside in the UK and who choose to engage in litigation rather than binding arbitration do not waive their rights to a jury trial.

   • Emergency and Provisional Remedies (applies to members in all countries, with an additional provision for members who are residents of the UK)

     Any party may seek a preliminary injunction or other provisional, injunctive, emergency or equitable relief (but not monetary relief) in a court of competent jurisdiction if, in its sole judgment, such relief is necessary to preserve the status quo or to prevent irreparable harm. The parties shall, despite seeking relief under this section, participate in good faith in the pre-arbitration dispute resolution or binding arbitration as set forth above in this Section 7.

     For members who are residents of the UK, the last sentence in the paragraph above shall be optional, rather than mandatory.

   • Small Claims Exception (applies to members in all countries)

     Instead of initiating binding arbitration as described in Section 7.D., above, if you meet the applicable court’s requirements, you may sue us in small claims court located: (i) for residents of the USA, in Manhattan County, New York; (ii) for residents of Canada, in the Municipality of Metropolitan Toronto, Ontario; or (iii) for all other members, in the capital city of the country in which you reside. If the law of the jurisdiction where you reside (such as the law of a specific US state or Canadian province, or the law of Brazil or the UK) allows for filing in another location in your country, then the aforementioned venue shall not be deemed to be exclusive for any small claims court filing. You must send a copy of your small claims court complaint to us at ruby Life Inc., PO Box 67027, Toronto, Ontario, Canada M4P 1E4, with a copy to [email protected]. You acknowledge and agree that emails can be blocked by spam filters or fail to be delivered due to other technical reasons, so the copy sent to our PO Box shall be the copy which officially notifies us of the issue, and receipt of that copy shall be the date that is used for any timing rules imposed by the small claims court. Please allow adequate time for one or more postal systems or couriers to deliver this copy (bearing in mind any delays which may be caused by a force majeure event, such as a pandemic). Furthermore, you acknowledge that we are an English-language company, so you shall provide the copy of your small claims court complaint to us in English or provide us with adequate time to have both it and our response to it translated.

   • Confidentiality (applies to members in all countries)

     The parties shall maintain the confidential nature of any pre-arbitration dispute resolution process, and of any binding arbitration proceeding, including: (i) any resultant settlement or award; or (ii) the privacy of any ODR Proceeding or arbitration discovery process or hearing, except as may be necessary to prepare for or conduct the proceeding or hearing on the merits, or except as may be necessary in connection with a court application for a preliminary remedy, a judicial challenge to an award or its enforcement, or unless otherwise required or permitted by law or judicial decision. Additionally, the parties will request the arbitrator – or ODR Proceeding decision maker, if applicable – to take reasonable steps to protect customer (i.e., member) account information and other confidential or proprietary information, including the confidential information of either party disclosed during the arbitration or ODR Proceeding (whether in documents or orally).

   • Survival and Severability (applies to members in all countries)

     The terms of this Section 7 shall survive the termination of your Services with Ashley Madison. If any portion of this Section 7 is deemed to be unenforceable or unlawful for any reason: (1), the unenforceable or unlawful provision shall be severed from these Terms; (2) severance of the unenforceable or unlawful provision shall have no impact whatsoever on the remainder of this Section 7 or the parties’ ability to compel arbitration (or ODR Proceeding, as applicable) about any remaining Disputes on an individual basis pursuant to this Section 7; and, (3) to the extent that any Disputes, where allowed by applicable law, proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in a civil court of competent jurisdiction rather than in arbitration or ODR Proceeding.

8. Privacy

   Any personal information we collect in connection with your access to the Platforms or use of the Services is governed by our Privacy Policy. Our Privacy Policy is incorporated into these Terms by this reference and you should read it carefully, including the Cookie Policy referenced therein.

9. General

   1. Governing Law
      ‍These Terms will not be governed by the United Nations Convention on Contracts for the International Sale of Goods, the application of which is expressly excluded.

      • USA
        If you are a resident of the USA, these Terms involve transactions between the parties in interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. §1 et seq., of the United States of America. Judgment upon any interim or final award (e.g., as results from the dispute resolution or small claims court provisions in Section 7) may be entered and confirmed in any court or tribunal of competent jurisdiction. The substantive law of the State of New York (excluding its conflicts of law provisions) shall apply to all disputes and these Terms. If there is a difference between the Federal Arbitration Act and New York law, the Federal Arbitration Act shall control. In any circumstances where the foregoing Terms permit the parties to litigate in court, the parties hereby agree to submit, exclusively, to the personal jurisdiction of the courts located within New York, New York for such purpose.

      • CANADA
        If you are a resident of Canada (except Quebec), these Terms will be governed by, interpreted and enforced in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. You irrevocably attorn and submit to the exclusive jurisdiction of the Ontario courts situated in the Municipality of Metropolitan Toronto and waive any objection to the venue of any proceeding in such court or that such court provides an inappropriate forum.

        If you are a resident of Quebec, these Terms will be governed by, interpreted and enforced in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein.

        Regardless of the province of residency, the parties to these Terms hereby confirm their express wish that these Terms, as well as all other documents related to the Terms, including but not limited to all confirmations, notices, waivers, consents and other communications between the parties in connection with these Terms, be in the English language only, and declare themselves satisfied with this. Peu importe la province de résidence, les parties aux présentes conditions confirment leur volonté expresse de voir la présente convention, de même que tous les documents qui s’y rattachent, incluant mais non de façon limitative tous les confirmations, avis, renonciations, consentements et autres communications entre les parties dans le cadre de la présente convention, être rédigés en langue anglaise seulement et s’en déclarent satisfaites.

      • AUSTRALIA
        If you are a resident of Australia, these Terms will be governed by, interpreted and enforced in accordance with the laws of New South Wales, Australia. The parties submit to the exclusive jurisdiction of the courts of New South Wales and the Commonwealth of Australia. Nothing in these Terms is intended to exclude, restrict, or modify any consumer rights under the Competition and Consumer Act 2010 (“CCA”) or any other legislation which may not be excluded, restricted, or modified by agreement. If the CCA or any other legislation implies a condition, warranty, or term into these Terms or provides statutory guarantees in connection with these Terms, in respect of services supplied, our liability for breach of such a condition, warranty, or other term or guarantee is limited (at our election), to the extent allowed by the CCA, to: (A) supplying the services again, or (B) paying the cost of having the services supplied again.

      • OTHER
        Except as set out above, or otherwise required under applicable law: (i) these Terms shall be governed by and construed in accordance with English law; and (ii) you may bring legal proceedings in respect of these Terms, our Platform or Services, in the relevant courts of the UK or, if you are a European Union (“EU”) resident outside the UK, in the courts of your member state of residence, in accordance with applicable law.

   2. Availability of Service
      The following provision is not applicable to residents of Quebec, to whom the Quebec Consumer Protection Act applies.

      We are unable to warrant that our Services will at all times be free from any data breach or any other security intrusion, or any programming errors, bugs, computer viruses, worms, cancel bots, Trojan horses or similar programs, other software or hardware failures, malicious software or harmful components, flood pings, denial of service attacks, spamming, hacking, corrupted files, tampering, hoaxes, fraud, other error, omission, interruption, delay in operation or transmission, computer line or network failure, or any other technical or non-technical malfunction or defect that may affect your use of the Services. However, we will make commercially reasonable efforts to prevent occurrence of any such incident.

   3. No waiver
      No failure or delay by a party in exercising any right, power or privilege under these Terms shall operate as a waiver thereof.

   4. Severance
      ‍The invalidity, illegality or unenforceability of any of these Terms shall not affect the validity, legality or enforceability of any other of these Terms, all of which shall remain in full force and effect.

   5. Precedence of English Version of These Terms
      The official text of these Terms shall be in the English language, and any translation, interpretation or construction of these Terms shall be based thereon. If any documents or notices relating to this Agreement are translated into another language, the English version shall be controlling in the event of any discrepancy between the two (except to the extent that the law in your jurisdiction forbids this provision).

   6. Export Controls
      Member agrees to comply with applicable USA, EU, UK and UN export and re-export laws, regulations and requirements. For example, the United States Department of Commerce prohibits export or diversion of software and certain content to specified countries and persons. You certify that you will not, directly or indirectly, download, export, re-export, sell, transfer,divert or otherwise dispose of any software or content from the Platforms or the Services, for any end use: (a) into (or to a national or resident of) any country to which the USA, the EU, the UK or the UN has embargoed goods (including without limitation the Crimea Region of Ukraine or any Group E country listed in SUPPLEMENT NO. 1 TO PART 740 – COUNTRY GROUPS); (b) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Denied Persons List; (c) to any company, entity or person listed as a party of concern found here 2016.export.gov/ecr/eg_main_023148.asp; or (d) for any end-use related to the development, production or use of nuclear, chemical or biological weapons or missiles. By downloading or using any such software or content, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list and that you will not license or otherwise permit anyone in any such country or on any such list to receive software or content that is subject to export control.

   7. No Warranty
      The Platforms and the Services are provided to you on an “AS IS,” “WITH ALL FAULTS” and “AS AVAILABLE” basis. Subject to any applicable legislation prohibiting the following exclusions, we do not offer or provide any warranties or representations in relation to the quality or performance of the Platforms or the Services, nor do we guarantee that the Platforms and/or the Service will always be available or that access to them will be uninterrupted. We make no commitments about the content within or information accessible through the Services and/or Platforms (for instance, we do not take any responsibility for the identity, intentions, legitimacy, or veracity of any members with whom you may communicate) and we disclaim any warranty that the results obtained from the use of the Services or the Platforms will be effective, accurate, or reliable. We will not be liable to you if, for any reason, the Platforms and/or the Services do not perform as described or are unavailable at any time or for any period. We cannot and do not warrant that the Platforms and/or the Services will be free from defects and errors, or that any defects or errors will be corrected. You assume responsibility for the operation of the Platforms and the Services, and for use and results obtained from the Platforms and the Services. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICES AND/OR THE PLATFORMS IS ACCESSED AND USED AT YOUR OWN DISCRETION AND RISK. WE MAKE NO WARRANTIES OF ANY KIND RELATED TO THE SERVICES (INCLUDING ALL CONTENT CONTAINED THEREIN), WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, DURABILITY, SATISFACTORY QUALITY, TITLE, ACCURACY AND NON-INFRINGEMENT, AND FITNESS FOR A GENERAL OR PARTICULAR PURPOSE. WE DO NOT REPRESENT OR WARRANT THAT OUR SERVICES AND/OR THE PLATFORMS WILL BE UNINTERRUPTED, SECURE OR ERROR FREE. FURTHERMORE, WE MAKE NO GUARANTEES AS TO THE NUMBER OF ACTIVE MEMBERS AT ANY TIME, MEMBERS’ ABILITY OR DESIRE TO COMMUNICATE WITH OR MEET YOU, OR THE ULTIMATE COMPATIBILITY WITH OR CONDUCT BY MEMBERS YOU MEET THROUGH THE SERVICES AND/OR THE PLATFORMS. WHILE WE ATTEMPT TO MAKE YOUR ACCESS TO AND USE OF THE PLATFORMS AND SERVICES SAFE, WE CANNOT AND DO NOT REPRESENT OR WARRANT THAT THE PLATFORMS AND/OR SERVICES ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS; THEREFORE, YOU SHOULD USE INDUSTRY-RECOGNIZED SOFTWARE TO DETECT AND DISINFECT VIRUSES FROM ANY DOWNLOAD.

      Some jurisdictions do not allow the exclusion of implied warranties, or have legislation that imposes certain statutory warranties which cannot be excluded, so parts of the above exclusion may not apply to you.

   8. Prohibition on Federal Acquisitions
      Use of or access to the Platforms and the Services by or for any financial institution or by or for the United States federal government, or by any prime contractor or subcontractor (at any tier) under any contract, grant, cooperative agreement or other activity with the United States federal government, is strictly prohibited.

      You agree that: (i) you will comply with this prohibition; and (ii) any and all laws applicable to USA federal acquisitions do not apply to your use of or access to the Platform and the Services (such laws include but are not limited to 48 C.F.R. §2.101, §12.212, §227.7202, and §§227.7202-1 through 227.7202-4).

   9. Copyright
      Unpublished-rights are reserved under the copyright laws of the United States of America, Canada and the European Union.

   10. Non-Transfer/Assignment of Rights
       You agree that your Ashley Madison account is non-transferable and all of your rights to your account and Your Content terminate upon your death, unless otherwise provided by law. Any rights and licenses granted hereunder may not be transferred or assigned by you, but may be assigned by us without restriction.

   11. No Agency
       No agency, partnership, joint venture, fiduciary or other special relationship or employment is created as a result of these Terms, and you agree that you may not make any representations on behalf of or bind Ashley Madison in any manner.

10. Updates

    1. Modifications to the Platforms or the Services
       We may modify or vary any part of the Platforms or the Services in order to make technical adjustments, including but not limited to modifications which: (i) address security threats; (ii) comply with applicable law; (iii) enable us to test a new feature; (iv) cancel an existing feature; or (v) update the functionality of an existing feature.

       We are not obligated to inform you of every instance where we make a change to the Platforms or the Services. However, we may, from time to time, notify you of relevant changes by, for example, inviting you to test a new feature or informing you that we are canceling a feature. If at any time, as a result of modifications or otherwise, you determine that you no longer want to use the Platform or the Services, you can delete or deactivate your account, per Section 11 of these Terms.

    2. Modifications to these Terms
       We may modify or vary any part of these Terms, including but not limited to changes which: (i) do not adversely affect you; (ii) address security threats; (iii) comply with applicable law; (iv) provide clarity; or (v) comply with changes to the Platforms or the Services. In such circumstances we will ask for your express consent to the updated terms. Such updated terms shall become effective upon the first of the following to occur: (i) thirty (30) days after posting such updated terms on our Site (see “Last Updated” date at the top of these Terms), or (ii) your providing us with your express consent to the new, updated Terms (by clicking one or more checkboxes, by which you certify that you have read and agreed to the then-current Terms and Privacy Policy).

       If you do not agree with any future modifications to these Terms or to our Privacy Policy (or to the Cookie Policy incorporated by reference therein), you must stop using the Services and the Platforms. Because we always will make the most recent version of these Terms, the Privacy Policy and the Cookie Policy publicly available, you always will have a copy of the existing contracts between you and us available to you (you may view them on the Site, and you may download the current versions at any time by using the print as .pdf function on your web browser).

11. Deactivate or Delete Your Account

    1. How to Deactivate or Delete Your Account
       In the event you would like to cease using the Platforms and the Services, whether temporarily or permanently, you have the following two (2) options, which you can exercise by visiting ashleymadison.com/private/settings/account while logged into your account on the Site (i.e., not via a Mobile Application):

       i. Deactivate Your Account:

       If you select this option, your profile will be removed from all search results and will not otherwise be viewable by other members.

       However, your message history will be left intact and any members with whom you previously have interacted still will be able to access and view the messages you have exchanged until they become unavailable after 90 days, due to automatic rules we have in place.

       If you select this option, your account, including any personal information related thereto, will not be deleted immediately from our systems but, rather, will be stored and managed in accordance with our Privacy Policy.

       If you select this option, you may restore your account at a later time by contacting a customer service representative (for, example, by using the “Contact Us” form). Such restoration will only be possible if your account has not yet been deleted as a result of prolonged inactivity (see Section 2.F.).

       ii. Delete Your Account:

       If you select this option: your profile no longer will be viewable by other members or come up in search results; and (ii) except for any information that we require to retain for accounting or legal purposes (including to manage any potential chargebacks), personal information associated with your account will be deleted in accordance with our data retention schedule.

       This means that some of your usage history may be kept for up to six (6) months. If you would like us to remove this information more quickly, you may raise a data erasure request with us in accordance with our Privacy Policy.

       If you select a full delete option or submit a data erasure request with us, we will not be able to restore your account once the erasure is complete. Additionally, any unused credits and/or other units associated with your account will expire immediately without refund, except in the situations described in Section 5.D. Please note it may take up to forty-eight (48) hours for your information to no longer be visible in the Platforms.

    2. Effect of Suspension, Deactivation or Deletion
       If your account is suspended by us, deactivated by you, or deleted by either you or us, for any reason, then: (i) these Terms shall continue and remain enforceable between you and Ashley Madison, (ii) you will not be entitled to any refund for purchases made prior to such suspension, deactivation or deletion (except where you are eligible to a refund during a statutory or regulatory “cooling off” period); and (iii) your information will be maintained and deleted in accordance with these Terms and our Privacy Policy. For greater clarification, if your account is suspended, all of your message history will be deleted. If we reinstate your account, we will not be able to retrieve your previous messages.

12. Mobile Terms

    In addition to the rest of these Terms (which apply to all members, no matter what method they use to access the Platforms and/or use the Services), this section applies to you if you download any Mobile Application (as defined below).

    1. Ashley Madison Mobile Applications
       ‍We make available Apple/iOS-powered and Android-powered mobile applications (together, the "Mobile Applications") to allow you to access the Platforms via mobile devices. To use a Mobile Application, you must have a compatible mobile device. Information about compatibility will be provided in the relevant ‘app store’ (accessible through your mobile device). In consideration of your agreeing to abide by the provisions of this Section 12, and subject to the rest of these Terms, and the Privacy Policy, we grant to you a non-exclusive, non-transferable, revocable licence to use an object code copy of the Mobile Application for one registered account on one mobile device owned or leased solely by you, for your personal, non-commercial use. We reserve all other rights. The foregoing licence grant is not a sale of the Mobile Applications or any copy thereof, and Ashley Madison and its third-party licensors or suppliers retain all right, title, and interest in and to the Mobile Applications (and any copy of the Mobile Applications).

       • Restrictions
         You may not:

         1. Use the Mobile Application for any but its intended purpose(s);

         2. modify, disassemble, decompile, reverse engineer, translate, merge, adapt, modify, or create derivative works based on the whole or any part of the Mobile Application, or permit the Mobile Application or any part of it to be combined with, or become incorporated in any other programs, or attempt to do any such thing;

         3. rent, lease, loan, resell, sublicense, distribute, assign or otherwise transfer the Mobile Application to any third party or use the Mobile Application to provide time sharing or similar services for any third party;

         4. make any copies of the Mobile Application;

         5. remove, circumvent, disable, damage or otherwise interfere with: (i) security-related features of the Mobile Application; (ii) features that prevent or restrict use or copying of any Content accessible through the Mobile Application; or, (iii) features that enforce limitations on use of the Mobile Application; or

         6. delete the copyright and other proprietary rights notices on the Mobile Application.

       • Updates
         We may from time to time issue upgraded versions of either Mobile Application, and may automatically electronically upgrade the version of the Mobile Application that you are using on your mobile device. You agree that these Terms will apply to all such upgrades. Depending on the update, you may not be able to use the Mobile Application until you have downloaded the latest version, and accepted any new terms. In situations where you still are able to use an older version of the Mobile Application, we may no longer provide support services in relation to that older version.

       • Third-Party Charges
         Standard carrier data charges may apply to your use of the Mobile Application.

       • Privacy and Security
         By using a Mobile Application, you consent to our collecting and using technical information about the devices and related software, hardware, peripherals (including, but not limited to, the serial number and IMEI number of your wireless device) to facilitate the provision of software updates or otherwise to improve our Platform and to provide any Services to you. This information and other information which may be deemed personal information shall be collected in accordance with our Privacy Policy.

         Your Content, which you provide via the Mobile Application, may be cached or otherwise stored on your mobile device while you are logged in to your account. It is solely your responsibility to ensure that your use of the Mobile Application AND your use of the mobile device are safeguarded properly via password protections, logging out of the Mobile Application and the mobile device when not in use, physically safeguarding your mobile device, and any other necessary measures.

         You acknowledge that you are prohibited from running the Mobile Application on a jailbroken or otherwise modified version of your mobile device’s factory-supplied operating system. You acknowledge that you are fully liable for any resulting legal or financial consequences which may arise from operating the Mobile Application on such a device.

       • Use of Your Mobile Device and Release of Liability
         You hereby acknowledge that the use of a mobile device in connection with a Mobile Application carries specific risks for which you, as the user, assume full liability. These risks include, but are not limited to, the partial or complete loss and exposure of data to unauthorized viewers as a result of theft of your device, a crash of the operating system, any data breach or other security intrusion, programming errors, bugs, computer viruses, worms, cancel bots, Trojan horses or similar programs, other software or hardware failures, malicious software or harmful components, flood pings, denial of service attacks, spamming, hacking, corrupted files, tampering, hoaxes, fraud, other error, omission, interruption, delay in operation or transmission, network failure, or any other technical or non-technical malfunction or defect which could render a mobile device inoperable.

       • Other
         Additional terms for Apple/iOS-powered and Android-powered devices can be found below.

    2. Apple/iOS Terms
       The following additional terms and conditions apply with respect to any Mobile Application that Ashley Madison provides to you designed for use on an Apple/iOS-powered mobile device (an “iOS App”):

       1. You acknowledge that these Terms are between you and Ashley Madison only, and not with Apple, Inc. (“Apple”).

       2. Your use of Ashley Madison’s iOS App must comply with Apple’s then-current App Store Terms of Service, (which can be found at apple.com/legal/internet-services/itunes/us/terms.html) and Apple’s then-current Licensed Application End User License Agreement (which can be found at apple.com/legal/internet-services/itunes/dev/stdeula/). Ashley Madison does not sell the iOS App to you; rather, Ashley Madison remains the owner of the iOS App at all times

       3. Ashley Madison, and not Apple, is solely responsible for our iOS App and the services and content available thereon. You acknowledge that Apple has no obligation to provide maintenance and support services with respect to our iOS App.

       4. The licence granted to you for our iOS App is limited to a non-transferable licence to use the iOS App on any Apple-branded products that you own or control and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions

       5. We are solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed elsewhere in these Terms. In the event of any failure of the iOS App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the iOS App to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the iOS App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be our sole responsibility, not Apple’s.

       6. You agree that Ashley Madison, and not Apple, is responsible for addressing any claims by you or any third party relating to our iOS App or your possession and/or use of our iOS App, including, but not limited to: (i) product liability claims; (ii) any claim that the iOS App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation, and all such claims are governed solely by the Terms and any law applicable to us as provider of the iOS App. Notwithstanding the foregoing, any billing issues remain the responsibility of Apple, not Ashley Madison (see Section 5.E.)

       7. You agree that Ashley Madison, and not Apple, shall be responsible, to the extent required by the Terms, for the investigation, defense, settlement and discharge of any third party’s intellectual property infringement claim related to our iOS App or your possession and use of our iOS App.

       8. You represent and warrant that: (i) you are not located in a country that is subject to a U.S. or Canadian Government embargo, or that has been designated by the U.S. Government or the Canadian Government as a “terrorist supporting country”; and (ii) you are not listed on any U.S. Government or Canadian Government list of prohibited or restricted parties.

       9. You agree to comply with all applicable third-party terms of agreement when using our iOS App (e.g., you must not be in violation of your wireless data service terms of agreement when using the iOS App) to the extent you have had access to those third-party terms before entering into the Terms.

       10. The parties agree that Apple and Apple’s subsidiaries are third-party beneficiaries to the Terms as they relate to your license of Ashley Madison’s iOS App. Upon your acceptance of the Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce the Terms against you as they relate to your license of the iOS App as a third-party beneficiary thereof.

    3. Google/Android Terms
       The following additional terms and conditions apply with respect to any Mobile Application that Ashley Madison provides to you designed for use on an Android-powered mobile device (an “Android App”):

       • You acknowledge that these Terms are between you and Ashley Madison only, and not with Google, Inc. (“Google”).

       • We license use of the Android App to you on the basis of this Section 12.C. and subject to any rules or policies applied by any appstore provider or operator from whose site (“Appstore”) you downloaded the Android App (“Appstore Rules”). The Appstore Rules include Google’s then-current Android Market Terms of Service (which can be found at) google.com/mobile/android/market-tos.html. Ashley Madison does not sell the Android App to you; rather, Ashley Madison remains the owner of the Android App at all times.

       • Google is only a provider of the Android Market where you obtained the Android App. Ashley Madison, and not Google, is solely responsible for Ashley Madison’s Android App and the services and content available thereon. Google has no obligation or liability to you with respect to Ashley Madison’s Android App or the Terms. Notwithstanding the foregoing, any billing issues remain the responsibility of the Appstore, not Ashley Madison (see Section 5.E.)

       • You acknowledge and agree that Google is a third-party beneficiary to the Terms as they relate to Ashley Madison’s Android App.

    4. Geo-Location Terms
       Our Services include and make use of certain functionality and services provided by third parties, which allow Ashley Madison to include maps, geocoding, places and other content from Google as part of the Services (the “Geo-Location Services”). Your use of the Geo-Location Services included in our Services is subject to Google’s then-current: (i) Google Maps/Google Earth Additional Terms of Service (google.com/intl/en_us/help/terms_maps.html); and, (ii) Google Privacy Policy (google.com/policies/privacy/). By using the Geo-Location Services, you are agreeing to be bound by the Google Maps/Google Earth Additional Terms of Service and the Google Privacy Policy. If we become aware that you have failed to comply with the Google Maps/Google Earth Additional Terms of Service, we will take appropriate action pursuant to our agreement with Google, including suspension or termination of your account.

13. Contact Us (Queries, Complaints and Notices)

    If you have any questions or concerns about these Terms, our Privacy Policy, the practices of Ashley Madison, your dealings with us, the Platforms or the Services, you may contact an Ashley Madison representative by using the Contact Form or by sending an email to [email protected].

    For specific privacy queries, our data protection officer can be contacted at [email protected].

14. Entire Agreement

    These Terms, along with the Privacy Policy, the Cookie Policy, and any additional terms upon purchase contain the entire agreement between you and Ashley Madison regarding the use of our Services. These Terms supersede all previous agreements, representations, and arrangements between us, whether written or oral.

15. Special State and Country Terms

    Special terms apply in certain states and countries. In addition to specific jurisdictional provisions mentioned elsewhere in these Terms, the following provisions apply:

    1. California

       • California Consumer Notice
         Under California Civil Code Section 1789.3, California members are entitled to the following consumer rights notice: The Platform and Service are provided by ruby Life Inc. d/b/a Ashley Madison. If you have a question or complaint regarding the Platform or Service, please contact Customer Service at [email protected]. You may also contact us by writing to us at ruby Life Inc., PO Box 67027, Toronto, Ontario, Canada M4P 1E4, Attention: Customer Service. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by post at 1625 North Market Blvd., Suite N112, Sacramento, CA 95834 or by telephone at (916) 445-1254 or (800) 952-5210 or Hearing Impaired at TDD (800) 326-2297 or TDD (916) 928-1227.

       • Waiver
         IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”

    2. New York
       For members residing in New York:

       • The Services do not guarantee any number of “referrals.” Rather, the functionality of the Services is such that the member can view as many profiles as s/he would like;

       • As set forth in Section 11, members may deactivate their accounts as they see fit. Doing so will have the effect of putting any subscription that the member has on hold. Ashley Madison will not delete any deactivated accounts for at least one (1) year;

       • How your information is used and how you may access your information is set forth in our Privacy Policy; and,

       • You may review the New York Dating Service Consumer Bill of Rights here.

    3. North Carolina
       For members residing in North Carolina, you may review the North Carolina Buyer’s Rights here.

    4. Illinois, New York, North Carolina and Ohio
       For members residing in Illinois, New York, North Carolina and Ohio, our Services are widely available in the United States. If you believe that you have moved outside a location where we provide the Services, please contact us in writing delivered to [email protected] and we will work with you to provide alternative services or a refund (but see Section 5.D., above, for additional information regarding situations in which refunds are not possible).

    5. Arizona, California, Connecticut, Illinois, Iowa, Minnesota, New Jersey, New York, North Carolina, Ohio, Rhode Island and Wisconsin
       See Section 5.D., above, re: your right to cancel.

    6. Germany, Portugal and Spain
       Moral Rights. Your moral rights over Your User Content will not be assigned or waived.

    7. Australia

       • Transmission of Personal Information Overseas. In consenting to the transfer to and processing of your information in the United States of America and any other jurisdiction throughout the world, you acknowledge that other jurisdictions (including the United States of America) may not have privacy protections equivalent to the Australian Privacy Act 1988. You may not have a remedy against Ashley Madison as neither the Australian Privacy Principle 8.1 nor Section 16C of the Privacy Act will apply.

       • Consumer Guarantees. Ashley Madison’s liability for failure to comply with any applicable consumer guarantee arising under Part 3-2 Div 1 of the Australian Consumer Law is limited to:

         • in the case of goods supplied to you, the replacement of the goods or the supply of equivalent goods (or the payment of the cost to you of the replacement or supply), or the repair of the goods (or the payment of the cost to You of the repair); and

         • in the case of services supplied to you, the supply of the services again or the payment of the cost to you of having the services supplied again.

    8. UK and European Union
       No Prejudice to Consumer Law. As a consumer, you will benefit from any mandatory provisions of the law of the country in which you are a resident. Nothing in these terms and conditions, including, without limitation, Section 7, affects your rights as a consumer to rely on such mandatory provisions of local law.

16. Precedence of English Version of These Terms

    The official text of these Terms and Conditions shall be in the English language, and any translation, interpretation or construction of these Terms shall be based thereon. If any documents or notices relating to these Terms are translated into another language, the English version shall be controlling in the event of any discrepancy between the two (except to the extent that the law in your jurisdiction forbids this provision).

    
    

    MODEL CANCELLATION (ALSO KNOWN AS RIGHT OF WITHDRAWAL) FORM

    To: Ruby Life International Limited, PO Box 54090, 3720 Limassol, Cyprus

    Email address: [email protected]

    I hereby give notice that I cancel my contract for the supply of the following service:

    ……………………………………………………………

    Ordered on [*]/received on [*]

    Member Name: ……………………………………………………………

    Member Email Address: ……………………………………………………………

    Member Signature: …………………………………………………………… (only if this form is submitted on paper)

    Date: ……………………………………………………………

    [*] Fill out or delete as appropriate

    
    

    © 2024 Ruby Life Inc. Models are pictured for illustrative purposes.