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Last Updated: September 2, 2026  |  Effective: September 2, 2026

Terms of Service

MyCryptoTrail.com — Find Your Way Back, LLC, a California limited liability company.

PLEASE READ THESE TERMS CAREFULLY. SECTION 6 CONTAINS AUTOMATIC RENEWAL AND CANCELLATION TERMS. SECTION 24 CONTAINS YOUR CONSENT TO THE RECORDING AND MONITORING OF COMMUNICATIONS, TO THE COLLECTION OF TECHNICAL AND ROUTING INFORMATION, AND TO OUR ACCESS TO AND DISCLOSURE OF STORED CONTENT. SECTION 26 REQUIRES MOST DISPUTES TO BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION IN CALIFORNIA AND CONTAINS A CLASS ACTION WAIVER. SECTION 20 SHORTENS THE TIME IN WHICH YOU MAY BRING A CLAIM.

1. Introduction and Acceptance

These Terms of Service (“Terms”) are a binding agreement between you (“you” or “User”) and Find Your Way Back, LLC, a California limited liability company doing business as My Crypto Trail (“My Crypto Trail,” “we,” “us,” or “our”). They govern your access to and use of our websites, our iOS application, our desktop application, and the related services we provide (together, the “Service”).

By creating an account, downloading or using the application, or otherwise using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for adults and is not directed to children. By using the Service, you represent that you are 18 or older.

You also represent that you are not barred from using the Service under applicable law, that you are not located in a country subject to a U.S. Government embargo or designated as a terrorist-supporting country, and that you are not on any U.S. Government list of prohibited or restricted parties.

3. What the Service Is — and Is Not

My Crypto Trail is an informational and organizational tool. It lets you create private, encrypted “trails” — notes, clues, instructions, and recordings — that help you and the people you choose locate and access your digital assets and accounts. That is all it does. In particular, you acknowledge and agree that:

(a) No custody. We never take possession or control of your cryptocurrency, wallets, private keys, or any other digital or financial asset. We cannot move, transfer, spend, invest, or recover your assets, and we have no ability to transact on any blockchain or with any exchange.

(b) No connection to your accounts. The Service does not connect to your wallets, exchanges, or financial accounts through any API or automated link, and cannot see your balances or holdings.

(c) Not a financial or fiduciary service. We are not a bank, money transmitter, money services business, custodian, exchange, broker-dealer, wallet provider, or investment, tax, legal, or estate-planning adviser, and we do not provide any such advice. Nothing in the Service is a recommendation to buy, sell, or hold any asset. Nothing in these Terms creates a fiduciary, trustee, agency, or advisory relationship between you and us.

(d) You are responsible for what you store. You decide what to put into your trails. We strongly recommend that you store clues and instructions that help a trusted person find your credentials — not your full seed phrases, recovery phrases, or passwords themselves. See Section 8.

4. Assumption of Risk (Digital Assets)

You understand and accept the risks of holding and managing digital assets, and you agree that those risks are yours alone. In particular:

(a) Digital assets are volatile and speculative and may lose some or all of their value; we make no representation about the value, suitability, or legality of any asset.

(b) Blockchain transactions are generally irreversible; a transaction sent to a wrong address or in error cannot be reversed by us or by anyone.

(c) We do not hold, custody, recover, restore, or reset your private keys, seed phrases, recovery phrases, PINs, wallet passwords, wallets, or assets, and losing them may mean losing access to your assets permanently.

(d) You are solely responsible for safeguarding your credentials, for verifying the accuracy of anything you record in the Service, and for the security of the devices and accounts you use, including against phishing, scams, malware, and social-engineering attacks.

(e) The Service is not a bank account, deposit account, or insured financial product, and is not covered by any deposit-insurance or investor-protection scheme.

Nothing in this Section limits our own liability for fraud, willful injury, violation of law, or gross negligence. See Section 19.4.

5. Your Account

You must provide accurate information when you register and keep it current. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us promptly at support@mycryptotrail.com if you suspect unauthorized use. You may not share your account, create an account for anyone else, or use another person’s account without permission.

We will never ask you for your seed phrase, recovery phrase, private key, or wallet password. Any message that does so is fraudulent and is not from us.

6. Plans, Billing, Auto-Renewal, and Cancellation

We offer a free tier and paid subscription tiers. Current plans are the free “Walking Trail,” the “Mountaineer” at $14.99 per month, and the “Summit” at $24.99 per month. Features and prices may change as described below. How you are billed, and how you cancel, depends on where you bought your subscription.

6.1 Purchases through the Apple App Store (iOS)

If you subscribe inside our iOS app, your purchase is processed by Apple through its In-App Purchase system, and Apple’s Media Services terms and billing rules apply. Sections 6.2 and 6.4 do not govern App Store purchases; Apple’s own mechanics do. For those purchases:

  • (a) your subscription automatically renews for the same period unless you turn off auto-renewal at least 24 hours before the end of the current period;
  • (b) your Apple Account is charged for renewal within 24 hours before the current period ends;
  • (c) you manage or cancel in your device Settings: Apple Account → Subscriptions → My Crypto Trail → Cancel Subscription;
  • (d) refunds for App Store purchases are handled by Apple under Apple’s policies, not by us — we cannot cancel an App Store subscription for you and we cannot issue a refund for an App Store purchase; and
  • (e) any unused portion of a free trial period is forfeited when you purchase a subscription.

At the point of purchase, we disclose the subscription title, length, price (and price per unit where applicable), and functional links to these Terms and to our Privacy Policy, as required by the App Store.

If you subscribed through the App Store and later ask us to cancel or refund, we will direct you to Apple and provide the steps in subsection (c). We will not use that request as an occasion to present a retention offer.

6.2 Purchases through our website (by Stripe)

This Section governs subscriptions purchased on our website, where payment is processed by our payment processor, Stripe.

(a) AUTOMATIC RENEWAL. EXCEPT FOR THE FREE “WALKING TRAIL,” YOUR SUBSCRIPTION AUTOMATICALLY RENEWS AT THE THEN-CURRENT PRICE AT THE END OF EACH BILLING PERIOD AND WILL CONTINUE TO RENEW UNTIL YOU CANCEL. Unless you cancel before the end of the current period, we will charge your designated payment method for the next period.

(b) What we disclose before you buy. Before you subscribe, and clearly and conspicuously in visual proximity to the button or box by which you accept, we present: the plan name; the price; the billing frequency and the length of each renewal period; the fact that the subscription renews automatically until cancelled; the amount that will be charged on renewal or, if the amount will vary, the manner in which it will be calculated; any minimum purchase obligation; the deadline by which you must cancel to avoid the next charge; and how to cancel, including a description of the cancellation mechanism in subsection (f).

(c) Your affirmative consent. We obtain your affirmative consent to the automatic renewal terms before we charge your payment method, and we obtain that consent separately and apart from your acceptance of any other term of these Terms. Consent to automatic renewal is presented as its own discrete step. It is not bundled with, pre-checked, inferred from, or conditioned upon your acceptance of these Terms generally or of any other provision.

(d) Records of your consent. We maintain a record of each user’s affirmative consent to the automatic renewal terms, including the exact terms displayed, the date and time of consent, and the method by which consent was given. We retain that record for the period required by applicable law and will provide you a copy on request at the address in Section 27.

(e) Acknowledgment after you subscribe. After you subscribe, we send you an acknowledgment in a form you can retain that restates the automatic renewal terms, the cancellation policy, and how to cancel, including a direct link to the cancellation mechanism.

(f) Cancellation — click to cancel. You may cancel at any time, for any reason, without speaking to anyone and without giving a reason. Because you subscribed online, you may cancel online. We provide a prominent, clearly labeled cancellation link or button in your account settings, in the same medium and interface in which you subscribed, and completing cancellation takes no more steps than subscribing took. We will not require you to call, chat, or message a representative, view or listen to additional content, navigate away from the cancellation flow, log in again, or complete any other step that obstructs or delays cancellation. You may also cancel by emailing us at support@mycryptotrail.com. Cancellation is effective at the end of the current billing period, and access continues through that date unless a refund applies under Section 6.4.

(g) Retention offers. We may present you with a single offer to keep your subscription — such as a discount, a pause, or a plan change — during the cancellation flow. That offer will be presented so that you can decline it and complete your cancellation immediately, in the same interface, with no additional step. You are never required to review, respond to, or accept an offer to cancel. We present at most one such offer per cancellation request.

(h) Confirmation of cancellation. We send you written confirmation of your cancellation in a form you can retain, stating the effective date of cancellation and the date your access ends.

(i) Renewal reminders. Where required by applicable law, including for subscriptions with a term of one year or longer, we send you a clear and conspicuous reminder before the renewal or conversion date. The reminder identifies the subscription, states the automatic renewal terms, states the date and amount of the upcoming charge, and tells you how to cancel, including a direct link to the cancellation mechanism.

(j) Notice before a price increase or other material change. We give you clear and conspicuous advance notice before any increase in the recurring charge, any change to the length of the renewal period or the billing frequency, or any other material change to the automatic renewal terms takes effect. The notice states the prior terms, the new terms, the effective date, and how to cancel before the change takes effect, and includes a direct link to the cancellation mechanism. Where applicable law requires your renewed affirmative consent to the change, we obtain that consent before the change takes effect. If you do not want the change, you may cancel under subsection (f) before the effective date and the change will not be applied to you.

(k) Delivery of notices under this Section. Notices under subsections (e), (h), (i), and (j) are sent by email to the address on your account and, where applicable law requires an additional method, by that method as well.

(l) Free trails. If your subscription begins with a free trail or discounted introductory period, we disclose before you enroll the length of the trail, the date it ends, and the price and frequency of the charges that begin at that time. If you wish to have more than three free trails, you must upgrade to a paid plan.

6.3 Free tier and beta / early-access accounts

The free tier is provided at no charge and has no auto-renewing payment. From time to time, we may invite users to test the Service for free. If we tell you that an early-access account is a lifetime or no-cost account, we will honor that; otherwise, free access may be changed or discontinued on notice.

6.4 Refunds and price changes

(a) Thirty-day money-back guarantee. For website purchases, we offer a 30-day money-back guarantee on a first-time subscription. To request a refund, contact us at support@mycryptotrail.com within 30 days of the initial charge. Refunds are issued to the original payment method.

(b) No proration. After the 30-day period, fees already paid are non-refundable, and we do not prorate or refund partial billing periods, unused time, or partially used subscription periods. Cancelling stops future charges; it does not generate a refund of the current period. This policy is disclosed to you before purchase and again in the cancellation flow.

(c) Renewal charges. The 30-day guarantee applies to the initial purchase of a first-time subscription only. It does not apply to renewal charges.

(d) If we discontinue a paid feature. If we permanently discontinue a material paid feature during a period you have already paid for, or if we terminate your account without cause under Section 22, we will refund the unused prorated portion of that period or issue a corresponding credit, at your election.

(e) App Store. Refunds for App Store purchases are handled by Apple under Section 6.1.

(f) Price changes. We may change prices or plan features prospectively. For auto-renewing website subscriptions, notice of a price increase is governed by Section 6.2(j).

(g) Statutory rights preserved. Nothing in this Section limits any refund or cancellation right you have under applicable law that cannot be waived.

7. Planner Products (Physical and Digital Goods)

We also offer a printed spiral-bound planner and a digital-download planner, currently sold through our Etsy shop. When you buy those products, Etsy’s policies also apply, in addition to these Terms. Planner purchases are one-time purchases and do not automatically renew, so Section 6.2 does not apply to them.

(a) Shipping. We currently print, bind, and ship the physical planner ourselves by USPS Priority Mail, with free domestic shipping and typical handling of 1–3 business days. We ship within the time we state or, if none is stated, within 30 days, consistent with the FTC Mail, Internet, or Telephone Order Merchandise Rule (16 C.F.R. Part 435). If we cannot ship within that time, we will offer you the choice of consenting to a delay or receiving a prompt refund.

(b) Returns. The digital download is non-returnable once delivered, and this is disclosed to you before purchase. The physical planner may be returned within 30 days; you are responsible for return shipping and for any loss in value if it is not returned in original condition. Our return policy is displayed on the product listing before purchase.

(c) Security warning. Do not write your actual seed phrases, recovery phrases, or private keys into the planner or anywhere they could be seen if the planner is lost, mailed, or accessed by others. Use the planner to record clues and locations, not secrets themselves.

8. Your Content and License to Us

You own the trails, notes, recordings, and other content you create or upload (“Your Content”). You grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, encrypt, transmit, back up, and display Your Content solely to operate and provide the Service to you and to those you authorize. We do not sell Your Content, do not use it to advertise, and do not use it to train machine-learning models.

You represent that you have the right to upload Your Content and that it does not include another person’s login credentials, private keys, or confidential information that you are not authorized to store. You are solely responsible for Your Content and for keeping your own backups of anything important.

If any part of Your Content consists of a recording of another person, you are responsible for obtaining that person’s consent to the recording where the law of their jurisdiction requires it, including under California Penal Code sections 632 and 632.7 and comparable two-party consent statutes.

9. Trusted Contacts and Beneficiary Information

The Service lets you record the names and contact details of people you would want notified in the future (“Trusted Contacts”). Today, this information is stored as emergency-contact information only. Broader beneficiary access to a user’s vault is a planned future feature and is not active. See Section 9.7.

9.1 What this feature is

The Trusted Contacts feature is a notification and organizing aid. It is offered as a convenience to help you keep your own records in order and to help the people you name know that your records exist. It is not, and is not intended to be, a legally operative designation of any kind.

9.2 Not a legal designation

You acknowledge and agree that recording a Trusted Contact:

  • (a) is not a will, codicil, trust, trust amendment, or other testamentary instrument;
  • (b) is not a beneficiary designation, payable-on-death or transfer-on-death designation, right of survivorship, or other nonprobate transfer instrument;
  • (c) is not a power of attorney, agency appointment, health care directive, or nomination of a conservator or guardian;
  • (d) does not transfer, assign, convey, or create any right, title, interest, or expectancy in any digital asset, account, or other property;
  • (e) does not grant the person named any right of access to your account, Your Content, your credentials, your trails, or any account you hold with any wallet provider, exchange, custodian, or financial institution;
  • (f) does not create any right in the person named as against us, and does not make that person a third-party beneficiary of these Terms; and
  • (g) does not modify, revoke, supersede, override, or take priority over any will, trust, beneficiary designation, court order, or other instrument you have signed, and does not determine who inherits or controls your assets.

9.3 Not an online tool

The Trusted Contacts feature is not, and is not offered or intended as, an “online tool” for the disclosure or nondisclosure of digital assets within the meaning of the California Revised Uniform Fiduciary Access to Digital Assets Act, Cal. Prob. Code §§ 870–884, or any corresponding provision of the law of any other state. Recording a Trusted Contact is not a direction to us regarding the disclosure or nondisclosure of your digital assets to any person, and we will not treat it as one. Any direction you wish to give about disclosure of your digital assets after your death or incapacity must be made in your will, trust, power of attorney, or other written record, and we will treat that instrument, together with applicable law and valid legal process, as controlling.

9.4 Not a substitute for estate planning

The Service does not provide legal or estate-planning advice, and this feature is not a substitute for an estate plan. If you want to control what happens to your digital assets, your accounts, or your records after your death or incapacity, you must do that through a will, trust, or other instrument prepared with a qualified attorney licensed in your jurisdiction. We strongly encourage you to consult one. An entry in the Service will not accomplish what an estate-planning document accomplishes.

9.5 What the feature does do, and what we do not promise

If we receive credible notice of your death or incapacity, we may, in our discretion and without any obligation to do so, notify the people you have named that you maintained an account and pass along the contact information or message you recorded for that purpose. We have no duty to verify any report of death or incapacity, to investigate, to locate any person, to confirm that any notification was received, or to send any notification at all. We owe no duty of care to any person you name and have no obligation to monitor your status.

9.6 Your responsibilities

You represent that you have each person’s permission to give us their information, and you are responsible for keeping it accurate and current. Do not record seed phrases, recovery phrases, private keys, or passwords in this feature. Information you record may be visible to anyone with access to your account. You may add, change, or delete a Trusted Contact at any time, and an entry has effect only as described in Section 9.5 and only while your account is active.

9.7 Future vault access feature

We may in the future offer a feature allowing a person you designate to obtain access to specified content after your death or incapacity. No such feature is offered under these Terms. If and when it is made available, it will be governed by separate additional terms describing how release works, and it will require your separate affirmative enrollment. Nothing in this Section grants any access right in advance of that enrollment.

10. Acceptable Use

You agree not to: use the Service for any unlawful purpose or to store or move proceeds of unlawful activity; upload credentials or information belonging to others without authorization; attempt to access another user’s account or data; interfere with, disrupt, probe, or reverse engineer the Service; scrape or harvest data; introduce malware; or use the Service in violation of law. We may investigate and take appropriate action, including suspension or termination, for violations.

11. Export Controls and Sanctions

The Service may be subject to U.S. export-control and economic-sanctions laws. You represent and warrant that you are not located in, and will not use the Service in or on behalf of, any country or region subject to U.S. embargo, and that you are not identified on any U.S. Government list of prohibited or restricted parties. You agree not to export, re-export, or transfer the Service in violation of those laws.

12. Our Intellectual Property

The Service, including its software, design, text, graphics, and the names and logos “My Crypto Trail” and “MCT™,” is owned by or licensed to us and is protected by intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your personal use under these Terms. All rights not expressly granted are reserved.

13. Copyright Complaints (DMCA)

We respect intellectual-property rights and expect users to do the same. If you believe content on the Service infringes your copyright, send a notice to us at support@mycryptotrail.com with: a signature of the person authorized to act; identification of the work and of the allegedly infringing material and its location; your contact information; a statement of good-faith belief that the use is not authorized; and a statement, under penalty of perjury, that the information is accurate and you are authorized to act. We will respond consistent with the Digital Millennium Copyright Act, including a counter-notice process, and will terminate repeat infringers.

14. Feedback

If you send us ideas, suggestions, or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without any obligation of confidentiality, attribution, or compensation.

15. Third-Party Services

The Service relies on and may link to third parties, for example: Apple, Stripe, Etsy, wallet and exchange providers, and cloud hosting. We are not responsible for third-party products, services, or content, and your use of them is governed by their terms and policies.

16. Changes to the Service

We are continually improving the Service and may add, change, suspend, or discontinue features at any time. We are not liable to you for any change to or discontinuation of the Service, except as expressly stated in these Terms. Where a change would materially reduce a paid feature you rely on, we will give reasonable notice where practicable, and Section 6.4(d) governs your refund.

17. Inactive Accounts

If your account remains inactive for an extended period, we may notify you and, after further notice, suspend or close the account consistent with our data-retention practices described in the Privacy Policy. We will not delete a paid account for inactivity without notice and an opportunity to respond.

18. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY TRAIL, RECORDING, OR OTHER CONTENT WILL BE PRESERVED, AVAILABLE, OR ACCESSIBLE AT ANY PARTICULAR TIME. YOU ARE RESPONSIBLE FOR MAINTAINING YOUR OWN INDEPENDENT RECORDS OF, AND MEANS OF ACCESS TO, YOUR DIGITAL ASSETS. WE ARE NOT RESPONSIBLE FOR ANY LOSS OF, OR INABILITY TO ACCESS, ANY DIGITAL ASSET.

Nothing in this Section excludes or limits any warranty or right that cannot be excluded or limited under applicable law. Some jurisdictions do not allow the exclusion of certain implied warranties, so some of the above may not apply to you.

19. Limitation of Liability

19.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, AND SUBJECT TO SECTION 19.4, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR DIGITAL ASSETS, ARISING OUT OF OR RELATING TO THE SERVICE.

19.2 TO THE MAXIMUM EXTENT PERMITTED BY LAW, AND SUBJECT TO SECTION 19.4, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100).

19.3 You acknowledge that the fees for the Service reflect this allocation of risk, and that the limitations in this Section apply even if a limited remedy fails of its essential purpose.

19.4 What this Section does not limit. Nothing in these Terms limits, excludes, or exempts us from liability for:

  • (a) fraud, fraudulent misrepresentation, or fraudulent concealment;
  • (b) willful injury to the person or property of another;
  • (c) violation of law, whether willful or negligent;
  • (d) gross negligence;
  • (e) death or personal injury caused by our negligence; or
  • (f) any other liability that may not lawfully be limited or excluded, including under California Civil Code § 1668.

19.5 California users. If you are a California resident, Sections 19.1 and 19.2 apply only to the extent permitted by California law, and Section 19.4 applies in full. You do not waive, and are not asked to waive, any right that is non-waivable under California law, including any right under the Consumers Legal Remedies Act, Cal. Civ. Code §§ 1750 et seq., the California Consumer Privacy Act, Cal. Civ. Code § 1798.150, or the California Invasion of Privacy Act, Cal. Penal Code § 637.2. No provision of these Terms operates as a waiver of unknown claims under Cal. Civ. Code § 1542.

19.6 Some jurisdictions do not allow the exclusion or limitation of certain damages, so in those jurisdictions our liability is limited to the maximum extent permitted by law.

20. Limitation on Time to File Claims

20.1 To the maximum extent permitted by law, any claim arising out of or relating to the Service or these Terms must be filed within one (1) year after the claim arose; otherwise it is permanently barred. The one-year period is tolled while the informal-resolution process in Section 26.1 is pending.

20.2 What this Section does not shorten. This Section does not apply to, and does not shorten the statutory limitations period for: (a) any claim under the Consumers Legal Remedies Act, Cal. Civ. Code §§ 1750 et seq.; (b) any claim under Cal. Civ. Code § 1798.150 or Cal. Penal Code § 637.2; (c) any claim under Cal. Bus. & Prof. Code §§ 17200 et seq. or §§ 17600 et seq.; (d) any claim under 18 U.S.C. § 2520 or § 2707; (e) any claim for fraud or willful injury; or (f) any claim as to which a contractually shortened period is unenforceable under applicable law. If this Section is unenforceable as applied to a claim, the statutory period applies to that claim and the rest of these Terms is unaffected.

21. Indemnification

You will defend, indemnify, and hold harmless My Crypto Trail and its members, officers, and personnel from any claims, losses, and expenses (including reasonable attorneys’ fees) arising out of Your Content, your use of the Service, your violation of these Terms or of any law or third-party right, any recording you make of another person without that person’s required consent, or any claim brought by a person you named as a Trusted Contact.

This obligation does not apply to the extent the claim arises from our own fraud, willful injury, violation of law, or gross negligence. We will notify you promptly of any claim, may participate in the defense with counsel of our choosing at our own expense, and will not settle any claim in a way that imposes an obligation on you without your prior written consent, which you will not unreasonably withhold.

22. Term and Termination

These Terms apply while you use the Service. You may stop using the Service and close your account at any time. We will suspend or terminate accounts only for non-payment, for violation of these Terms (including Section 10), or where required by law. Except where immediate action is needed or the law requires otherwise, we will give reasonable notice, a grace period to cure non-payment, and a window to export Your Content before deletion. Sections that by their nature should survive termination (including Sections 3, 4, 8, 9.2 through 9.4, 12, 14, 18 through 21, 24, and 26) will survive.

23. Cooperation with Legal Requests

We may access, preserve, and disclose information when we reasonably believe it is required by law, legal process, or a governmental request, or is necessary to protect the rights, property, or safety of My Crypto Trail, our users, or the public. To the extent we are a provider of electronic communication service or remote computing service under the Stored Communications Act, 18 U.S.C. §§ 2701–2713, we will require the legal process that statute requires before disclosing the contents of Your Content to a governmental entity, and we will not disclose contents voluntarily to a governmental entity except as that statute permits. Where permitted, we will make reasonable efforts to notify you of a legal demand for your information before we respond, unless notice is prohibited, would be futile, or an emergency involving risk of death or serious physical injury exists. We will object to or move to narrow demands we consider overbroad or legally deficient.

24. Electronic Communications, Recording and Monitoring, Technical Data, and Related Consents

Please read this Section carefully. It sets out your consent to the recording and monitoring of your communications with us, to our collection of the technical and routing information necessary to operate the Service, and to our access to and disclosure of content you store with us. It affects rights you have under the California Invasion of Privacy Act, Cal. Penal Code §§ 630–638.55, including §§ 631, 632, 632.7, 637.7, and 638.51; the federal Wiretap Act and Electronic Communications Privacy Act, 18 U.S.C. §§ 2510–2523; the Stored Communications Act, 18 U.S.C. §§ 2701–2713; the federal pen register statute, 18 U.S.C. §§ 3121–3127; the Computer Fraud and Abuse Act, 18 U.S.C. § 1030; Cal. Penal Code § 502; and comparable laws of other jurisdictions.

24.1 Electronic communications

You consent to receive agreements, notices, disclosures, and other communications from us electronically — by email, through the Service, or by posting — and you agree that electronic communications satisfy any legal requirement that a communication be in writing. Your electronic assent, including clicking a button or checking a box, is your signature under the federal E-SIGN Act, 15 U.S.C. §§ 7001 et seq., and the California Uniform Electronic Transactions Act, Cal. Civ. Code §§ 1633.1 et seq. To receive electronic communications you need a device with internet access, a current browser, and a valid email address, and you agree to keep that address current. You may request a paper copy of any electronic record at no charge by contacting us at the address in Section 27. You may withdraw this consent as to non-essential communications, but doing so may limit your use of the Service, because the Service is delivered electronically.

24.2 Consent to recording and monitoring of communications

You expressly consent to our recording, monitoring, storing, transcribing, reviewing, and analyzing communications between you and us, including chat sessions, in-product messages, support tickets, email, and telephone calls, for quality assurance, training, security, fraud prevention, dispute resolution, compliance, and improvement of the Service. This is your consent to the recording of a confidential communication under Cal. Penal Code §§ 632 and 632.7 and to the interception, use, and disclosure of your electronic communications under 18 U.S.C. § 2511(2)(d). Where applicable law requires it, we will also give you an audible or written notice at the beginning of the call or session, and your continuing with the communication after that notice is your consent. You give this consent on your own behalf, and you represent that you have obtained the consent of any other person you cause to join a communication with us. You may withhold this consent by declining to use the recorded channel and instead writing to us by mail at the address in Section 27, and we will not refuse to provide support because you did so.

24.3 What we collect automatically — and what we do not

We use only one strictly necessary cookie, to keep you signed in during your session. We do not use analytics, advertising, or tracking cookies. We do not use tracking pixels, tags, web beacons, third-party analytics or advertising SDKs, session-replay technology, keystroke capture, device fingerprinting, or any technology that tracks you across other websites, applications, or devices, or over time. We do not use a consent banner because we do not use non-essential cookies. We do collect, on our own servers, the limited technical information necessary to operate, secure, authenticate, and troubleshoot the Service: your IP address, device type and operating system, browser and application version, session and device identifiers, log and error data, authentication events and timestamps, and approximate location derived from your IP address. We do not collect precise geolocation, and we do not use GPS, Bluetooth beacons, or Wi-Fi triangulation. You consent to that collection and use for those purposes.

24.4 Consent regarding routing, addressing, and signaling information

You expressly consent to our collection, recording, decoding, and use of the dialing, routing, addressing, and signaling information described in Section 24.3, including IP addresses and session and device identifiers, for the operational and security purposes described there. This is your consent for purposes of Cal. Penal Code § 638.51(b)(1) and 18 U.S.C. § 3121(b)(3), and you separately authorize us, as the provider of the Service, to use that information for the operation, maintenance, and testing of the Service and for the protection of our rights and property and the rights and property of our users, as permitted by Cal. Penal Code § 638.51(b)(2) and 18 U.S.C. § 3121(b)(1). We do not use that information to build advertising or behavioral profiles, and we do not disclose it to any party for that purpose.

24.5 Consent regarding location information

The only location information we derive is the approximate region associated with your IP address, used to secure your account and detect fraud. To the extent Cal. Penal Code § 637.7 or any comparable law would otherwise apply, you consent to that use. We do not attach or use an electronic tracking device to determine your location or movement, and we do not sell, license, or disclose location information to data brokers or advertisers.

24.6 Our service providers act as our agents and as parties to the communication

We engage a limited set of vendors to deliver the Service: cloud hosting and storage, payment processing, application distribution, email delivery, and software development and maintenance. Those vendors necessarily receive, transmit, or store communications and data between you and us. You expressly consent to each such vendor receiving that data, in real time where applicable, and you agree that each acts solely as our agent and as an extension of us for that purpose, is authorized by us to receive that data, and is a party to the communication for purposes of the California Invasion of Privacy Act and the federal Wiretap Act. Each is bound by a written contract that prohibits it from using the data for its own independent purposes, from selling or sharing it, and from retaining it beyond what the contract permits. The categories of vendors we use, and the current vendors in each category, are identified in our Privacy Policy.

24.7 Federal consent and acknowledgment

You consent to the interception, access, use, and disclosure of your electronic communications with us within the meaning of 18 U.S.C. § 2511(2)(d), and you acknowledge that we are a party to those communications. You further acknowledge that, as the provider of the Service, we may intercept, disclose, or use communications in the normal course of our employment while engaged in an activity that is a necessary incident to the rendition of the Service or to the protection of our rights or property, as permitted by 18 U.S.C. § 2511(2)(a)(i).

24.8 Stored Communications Act — consent to our access and disclosure

To the extent we are a provider of “electronic communication service” or “remote computing service” within the meaning of 18 U.S.C. §§ 2510(15) and 2711(2), you give your lawful consent, as the subscriber and originator of Your Content, under 18 U.S.C. §§ 2701(c)(2), 2702(b)(3), and 2702(c)(2), to our access to, use of, and disclosure of Your Content and of records concerning you as described in these Terms and in our Privacy Policy — specifically: our access for storage, encryption, backup, delivery, password recovery, support you request, security, fraud prevention, and debugging; disclosure to the service providers described in Section 24.6; disclosure to any person at your direction; and disclosure as permitted by that statute and by Section 23. This consent is limited to the purposes stated. It is not consent to voluntary disclosure of the contents of Your Content to a governmental entity, and we will require the legal process the statute demands. You also authorize our access to your account and Your Content for those purposes for purposes of the Computer Fraud and Abuse Act, 18 U.S.C. § 1030, and Cal. Penal Code § 502.

24.9 Scope of these consents, and what this Section is not

The consents in this Section extend only to the practices actually described in it and in our Privacy Policy, and to no others. If we later decide to use any technology that Section 24.3 states we do not use — including analytics, advertising, session replay, keystroke capture, fingerprinting, or cross-site or cross-app tracking — we will first update our Privacy Policy to identify the technology, the vendor, the data collected, and the purpose; make available a cookie and tracking preferences control within the Service; and, where applicable law requires consent, obtain that consent through that control before the technology operates. The consents in this Section do not extend to any such technology, and no provision of these Terms may be read as consent to a practice we have represented we do not engage in.

24.10 Do Not Track and opt-out preference signals

Because we do not track you across other sites or over time, we do not respond differently to browser “Do Not Track” signals. Where applicable law requires, we treat a valid opt-out preference signal, including Global Privacy Control, as a request to opt out of the sale or sharing of personal information; because we neither sell nor share personal information, such a signal does not change how we handle your information, and we honor it as a matter of course. Our practices are described in our Privacy Policy.

24.11 Withdrawal of consent

You may withdraw the consent in Section 24.2 as to any recorded channel by using the mail alternative described there. The collection described in Sections 24.3 through 24.5 and the access described in Section 24.8 are strictly necessary to deliver the Service; they cannot be disabled while you use it, and your remedy is to stop using the Service and close your account. Any withdrawal is prospective only and does not affect the lawfulness of anything done before it, and it does not require us to delete records we are required to retain under Section 6.2(d) or applicable law.

24.12 Marketing and text messages; your privacy rights

We will send you transactional and service messages, including the notices required by Section 6.2, and you may not opt out of those while your account is active. You may opt out of marketing email at any time using the unsubscribe link. If you give us a mobile number and affirmatively opt in, you consent to receive text messages from us at that number, including messages sent using an automatic telephone dialing system; consent is not a condition of purchase. Message and data rates may apply; reply STOP to opt out. If you are a California resident, you have rights under the California Consumer Privacy Act as amended by the CPRA, Cal. Civ. Code §§ 1798.100 et seq., including rights to know, delete, correct, and opt out of the sale or sharing of personal information and to limit the use of sensitive personal information. Our Privacy Policy explains how to exercise them. We will not discriminate against you for exercising them.

25. Additional Terms for Apple App Store (iOS) Users

If you obtained our app from the Apple App Store, the following additional terms apply and, in case of conflict with the rest of these Terms as to your use of the iOS app, control:

  • (a) These Terms are between you and My Crypto Trail only, not Apple. My Crypto Trail, not Apple, is solely responsible for the app and its content.
  • (b) Your license to use the app is limited to use on Apple-branded products that you own or control, as permitted by the App Store Terms of Service.
  • (c) Apple has no obligation to provide any maintenance or support for the app.
  • (d) If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation, and any other claims, losses, or costs attributable to a failure to conform to a warranty are My Crypto Trail’s responsibility.
  • (e) My Crypto Trail, not Apple, is responsible for addressing any claims relating to the app, including product-liability claims, claims that the app fails to meet a legal or regulatory requirement, and claims under consumer-protection law.
  • (f) My Crypto Trail, not Apple, is responsible for investigating and resolving any third-party claim that the app infringes intellectual-property rights.
  • (g) You represent that you are not located in a U.S.-embargoed or terrorist-supporting country and are not on any U.S. Government prohibited-parties list.
  • (h) You must comply with any applicable third-party agreements (for example, your wireless data plan) when using the app.
  • (i) Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

26. Governing Law, Dispute Resolution, and Venue

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES MOST DISPUTES TO BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION AND LIMITS YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION.

26.1 Informal resolution first

Before starting an arbitration, the party raising a dispute must send a written Notice of Dispute — to you at the email address on your account, and to us at the address in Section 27 — describing the dispute, the facts supporting it, and the relief sought. The parties will try in good faith to resolve it informally for sixty (60) days after the notice is received, and either party may request a telephonic settlement conference during that period, which both parties will attend in good faith. This is a condition precedent to arbitration. The applicable statute of limitations and the period in Section 20 are tolled while this process is pending.

26.2 Agreement to arbitrate

If the dispute is not resolved under Section 26.1, any dispute, claim, or controversy arising out of or relating to these Terms or the Service — including its formation, interpretation, breach, termination, enforceability, validity, or scope — will be resolved by final and binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules where you are a consumer, or under its Commercial Arbitration Rules where you use the Service for business purposes, in each case as in effect when the arbitration is commenced. The AAA’s rules are posted at www.adr.org.

26.3 Governing law

These Terms, and any dispute arising out of or relating to them or to the Service, are governed by the laws of the State of California, without regard to its conflict-of-laws principles. The Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., governs the interpretation and enforcement of this Section. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

26.4 Seat and venue

The seat and legal place of the arbitration is Los Angeles County, California, and any in-person hearing will be held there unless the parties agree otherwise or the arbitrator finds a different location necessary to avoid undue hardship to a consumer. If you are a consumer, you may elect to have any hearing conducted by telephone or videoconference, and a documents-only proceeding is available where the AAA rules permit.

26.5 The arbitrator

A single neutral arbitrator will be selected under the applicable AAA rules. The arbitrator has exclusive authority to resolve all issues of arbitrability except as provided in Section 26.7, will apply California substantive law and applicable federal law, will issue a reasoned written award, and may award any relief a court could award to the individual party seeking it, including statutory damages, individual injunctive relief, and attorneys’ fees where a statute authorizes them. The award is final and binding, and judgment on it may be entered in any court of competent jurisdiction.

26.6 Fees

Filing, administrative, and arbitrator fees are governed by the applicable AAA rules, including the cost allocation in the AAA Consumer Arbitration Rules, which caps what a consumer pays. Each party otherwise bears its own attorneys’ fees except as awarded under applicable law.

26.7 Class action waiver

EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not preside over any class or representative proceeding. If this section is found unenforceable as to a particular claim or request for relief, that claim or request is severed and litigated in court under Section 26.8 while the remaining claims proceed in arbitration.

26.8 Exceptions

Either party may (a) bring an individual action in small claims court if it qualifies and stays there, and (b) seek temporary or preliminary injunctive relief in court to prevent actual or threatened infringement or misappropriation of intellectual property or unauthorized access to a system. For any claim not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts in Los Angeles County, California, and waive any objection to that forum.

26.9 Survival

This Section survives termination of these Terms and closure of your account.

27. Notices

We may give you notice by email to the address on your account, through the Service, or by posting. You may give us legal notice by mail to Find Your Way Back, LLC, 1883 W Royal Hunte Dr, # 200A Cedar City, UT 84720 with a copy by email to support@mycryptotrail.com. Notice is effective when sent (for email or in-app) or when received (for mail).

28. Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms with a new “Last updated” date and, for material changes, provide notice by email and/or in the app at least thirty (30) days before the change takes effect, unless a shorter period is required by law or the change is favorable to you. Your continued use of the Service after an update means you accept the updated Terms, except where applicable law requires your affirmative consent. A material change to the automatic renewal terms of a paid subscription, including a price increase, is governed by Section 6.2(j). A change to the practices represented in Section 24.3 is governed by Section 24.9 and requires the notice and, where applicable law requires it, the affirmative consent described there. A change to Section 26 will not apply retroactively to a dispute of which we had actual notice before the change.

29. General

These Terms and the Privacy Policy are the entire agreement between you and us about the Service. If any provision is unenforceable, it will be modified to the minimum extent needed to make it enforceable or, if it cannot be, severed, and the rest remains in effect — except as expressly provided in Sections 26.7 and 26.8. We may assign these Terms in connection with a merger, acquisition, or sale of assets; you may not assign them without our consent. Our failure to enforce a provision is not a waiver. Except for Apple under Section 25, there are no third-party beneficiaries. We are not liable for delays or failures caused by events beyond our reasonable control. Headings are for convenience only, “including” means “including without limitation,” and these Terms will not be construed against the drafting party. These Terms are executed in English, which controls over any translation.

30. Contact Us

My Crypto Trail (Find Your Way Back, LLC)
1883 W Royal Hunte Dr, # 200A Cedar City, UT 84720
support@mycryptotrail.com

Notice to California residents: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

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