Global Credits Network No Refund No Return Policy

Last updated December 4, 2019

WARNING – Seizures

Due to the nature of how web sites are programmed and displayed, certain elements on the website may cause some users to experience seizures or loss of awareness or other symptoms linked to an epileptic condition, even if they have never experienced anything like this before.

Anyone who has experienced such symptoms, or may be sensitive to such conditions, whether they are aware of such sensitivity or not, should consult a doctor before using the website. Global Credits Network, LLC shall not be liable for any health consequences as a result of your use of the Site(s) or Service(s).

You are encouraged to print this document and read offline if you are concerned about any health risks associated with reading this document in its digital form.

IMPORTANT NOTICE: This No Refund No Return Policy creates a legally binding Agreement between you, Global Credits Network and its parent company Global Credits Network, LLC (collectively the “Company”). By purchasing credits or tokens, whether you use such credits or tokens or not, you expressly agree to unconditionally abide by these terms along with any additional agreements in place during the period of your participation (including, but not limited to our Privacy Policy, Income Disclosure, Members Guidelines, et cetera).

This document outlines the understanding between you and Global Credits Network, LLC with respect to your purchase of credits or tokens and the related or unrelated use of those credits or tokens within the Global Credits Network, LLC platform of products and services.

IT IS IMPERATIVE THAT YOU UNDERSTAND THE EFFECT THIS DOCUMENT HAS ON YOU AND YOUR RIGHTS AS A CONSUMER. FAILURE TO UNDERSTAND THIS AGREEMENT MAY RESULT IN FINANCIAL LOSS TO YOU AND Global Credits Network, LLC SHALL NOT BE LIABLE FOR ANY SUCH LOSSES, TANGIBLE OR INTANGIBLE, AND YOU AGREE TO HOLD US HARMLESS FOR ANY RELATED LOSS(ES), (ECONOMIC OR OTHERWISE), HARM OR INCONVENIENCE(S) AS A RESULT OF THIS POLICY AND YOUR PURCHASE AND USE OF CREDITS OR TOKENS ON OUR PLATFORM.

Section 1 Background

The words "product" or "products" in all forms (including singular or plural, capitalized or not) do not refer to any physical or tangible item as would apply in any retail agreement. Product or products in this Agreement and any additional applicable agreements between You, Global Credits Network and Global Credits Network, LLC refer to intangible or digital offerings within the Global Credits Network, LLC platform as amended from time to time. Such "product(s)" may include, but are not limited in scope or capacity to, sports trading opportunities in which no physical or tangible item is transferred or sold. These transactions primarily involve the purchase of a digital credit or token for use on Our platform that is proprietary in nature and cannot be utilized outside of the Global Credits Network, LLC platform. Such credits or tokens have no commercial value to that respect, and You understand that they cannot be used outside of Our platform on other commercial or non-commercial sites.

The words "product" or "products" in all forms (including singular or plural, capitalized or not) may also in some circumstances apply to a conceptual offering that is neither physical, tangible or digital in nature. Such product(s) are also subject to the terms of this agreement.

When You purchase a credit or token from an authorized affiliate in a manner that is recognized and approved by Global Credits Network, LLC You are given certain privileges and rights, and consequently You assume certain risks and responsibilities that are outlined in this document and any other related documents including Our Privacy Policy, Income Disclaimer, Terms of Participation, Consumer Guidelines, Member Guidelines, Terms and Conditions, and any other agreements whether specifically or not specifically mentioned in this agreement.

Where applicable, any reference to Global Credits Network, LLC shall include any and all subsidiaries, executives, employees, contractors, consultants, licensees, affiliates or vendors doing business with, or having been known to do business with Global Credits Network, LLC.

Section 2

No Refund No Return Policy

When you purchase or receive a credit or token from an authorized affiliate, regardless of how you acquire such credits or tokens, you are expressly and unconditionally accepting and agreeing that the purchase or acquisition is complete and final and that there is absolutely no return or refund of such credits or tokens except under the specific conditions outlined in this No Refund No Return Policy or any other agreements between you and Global Credits Network, LLC in place at the time of your purchase or acquisition.

IT IS EXTREMELY IMPORTANT THAT YOU ONLY PURCHASE CREDITS OR TOKENS FROM AUTHORIZED AFFILIATES OF GLOBAL CREDITS NETWORK OR Global Credits Network, LLC THROUGH APPROVED AND RECOGNIZED GLOBAL CREDITS NETWORK OR Global Credits Network, LLC AFFILIATE SITES. Credits or tokens cannot be sold or purchased on such sites as eBay, Amazon, Facebook, craigslist or similar sites, whether specifically mentioned in this document or not. If you purchase or receive a credit or token from an unauthorized affiliate or site, regardless of how you acquire such credits or tokens, those credits or tokens shall be deemed fraudulent and invalid and they will not be applied or credited to your account, and you assume all responsibility for such purchases or acquisitions. Global Credits Network, LLC shall bear no legal responsibility to recognize such credits or tokens and shall remain harmless for any consequences or loss(s), economic or otherwise, regarding those tokens. Further, You understand, acknowledge and agree that You have absolutely no recourse under such circumstances and We have no further responsibilities or obligations to You.

If you have concerns regarding the legitimacy of any credits, tokens, affiliates or sites, immediately contact us at [email protected] PRIOR to purchasing or acquiring such tokens or using such sites.

Global Credits Network, LLC does not monitor, regulate or control access to such sites mentioned above or any other sites whether specifically mentioned or not, outside of the Global Credits Network, LLC proprietary platform, and we are not responsible for the content or functionality for such sites, and We assume no liability in any capacity for your activities on, or use of such sites.

Section 3

Jurisdictional Obligations

Certain jurisdictions may require a period of time in which refunds on digital products must be extended, or a written No Refund No Return Policy must be posted. For such jurisdictions, You understand and agree that by accessing this document in electronic or digital form as posted on our website or any additional form in which you access this document, You have been given notice and that this constitutes our compliance with such requirements in those applicable jurisdictions. You further agree that in such jurisdictions that require Us to provide a period of time to honor refunds, that period is one (1) hour immediately following Your purchase, PROVIDED that;

1) You notify us at [email protected] with a written request within the one (1) hour window as noted in this Section.

2) You have not used those credits or tokens in ANY capacity, including, but not limited to:

a) Using those credits or tokens to participate in or receive benefit from any Global Credits Network or Global Credits Network product(s) or service(s) offered on our platform.

b) Transferring, or making promise to transfer, those credits or tokens to any individual or entity for any reason.

c) Pledging those credits or tokens as collateral for any specific or unspecific purpose.

d) Any activity We deem deceptive or fraudulent, whether by you or any individual.

3) No affiliate commission(s) was/were paid to You or anyone else as a result of the purchase. In such cases, the amount of commission(s) paid, whether in kind or not, will be deducted from the amount of refund You are requesting, unless such commission(s) is/are returned by the affiliate(s) who received commission(s) related to Your purchase. The affiliate(s) must agree and notify us by email to [email protected] within the same one (1) hour period of time following the transaction. It is YOUR responsibility to contact ALL affiliate(s) who received commission(s) and request that they contact us to indicate their agreement.

For jurisdictions that do not require a refund period or refund policy, YOUR PURCHASE IS FINAL AND THERE ARE NO REFUNDS GIVEN FOR ANY REASON.

Section 4

Warranty disclaimers

You expressly understand and agree that purchase of credits or tokens your use of those credits or tokens on our Site or any derivative product(s) or service(s) is at your sole risk and that you can lose some or all of the credits you use to participate. The Service (including the Service and the Content) is provided on an "AS IS" and "as available" basis, without warranties of any kind, either express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose or non-infringement. You acknowledge that Global Credits Network or Global Credits Network LLC has no control over, and no duty to take any action regarding: which users gain access to or use the Service; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content. You release Global Credits Network and Global Credits Network LLC from all liability for you having acquired or not acquired Content through the Service. The Service may contain or direct you to other websites containing information that some people may find offensive or inappropriate. Neither Global Credits Network or Global Credits Network makes any representation concerning any

Content contained in or accessed through the Service, and Global Credits Network nor Global Credits Network LLC will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Service. Global Credits Network LLC makes no representation that participation in any product(s) or service(s) is lawful under any particular jurisdiction. It is your sole responsibility to make sure Your participate is authorized and legal.

Section 5

Limitation on liability

YOU ACKNOWLEDGE AND AGREE THAT YOU ASSUME FULL RESPONSIBILITY FOR YOUR USE OF THE SITE AND SERVICE. YOU ACKNOWLEDGE AND AGREE THAT ANY INFORMATION YOU SEND OR RECEIVE DURING YOUR USE OF THE SITE AND SERVICE MAY NOT BE SECURE AND MAY BE INTERCEPTED OR LATER ACQUIRED BY UNAUTHORIZED PARTIES. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SITE AND SERVICE IS AT YOUR OWN RISK. RECOGNIZING SUCH, YOU UNDERSTAND AND AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER Global Credits Network NOR ITS SUPPLIERS OR LICENSORS WILL BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY OR OTHER DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER TANGIBLE OR INTANGIBLE LOSSES OR ANY OTHER DAMAGES BASED ON CONTRACT, TORT, STRICT LIABILITY OR ANY OTHER THEORY (EVEN IF Global Credits Network HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM THE SITE OR SERVICE; THE USE OR THE INABILITY TO USE THE SITE OR SERVICE; UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE OR SERVICE; ANY ACTIONS WE TAKE OR FAIL TO TAKE AS A RESULT OF COMMUNICATIONS YOU SEND TO US; ANY INCORRECT, ILLEGIBLE, MISDIRECTED, STOLEN, INVALID OR INACCURATE ENTRY INFORMATION; HUMAN ERRORS; TECHNICAL MALFUNCTIONS; FAILURES, INCLUDING PUBLIC UTILITY OR TELEPHONE OUTAGES; OMISSIONS, INTERRUPTIONS, LATENCY, DELETIONS OR DEFECTS OF ANY DEVICE OR NETWORK, PROVIDERS, OR SOFTWARE (INCLUDING, BUT NOT LIMITED TO, THOSE THAT DO NOT PERMIT AN PARTICIPANT TO PARTICIPATE IN THE SERVICE); ANY INJURY OR DAMAGE TO COMPUTER EQUIPMENT; INABILITY TO FULLY ACCESS THE SITE OR SERVICE OR ANY OTHER WEBSITE; THEFT, TAMPERING, DESTRUCTION, OR UNAUTHORIZED ACCESS TO, OR ALTERATION OF, ENTRIES, IMAGES OR OTHER CONTENT OF ANY KIND; DATA THAT IS PROCESSED LATE OR INCORRECTLY OR IS INCOMPLETE OR LOST; TYPOGRAPHICAL, PRINTING OR OTHER ERRORS, OR ANY COMBINATION THEREOF; OR ANY OTHER MATTER RELATING TO THE SITE OR SERVICE. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, Global Credits Network'S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO Global Credits Network FOR GENERAL USE OF THE SITE OR SERVICE DURING THE TERM OF YOUR REGISTRATION FOR THE SITE, INCLUDING ANY CREDITS USED FOR TRADES COMPLETED PRIOR TO THE CIRCUMSTANCES GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

Section 6

General Terms and Conditions

The terms of this No Refund No Return agreement (and any additional terms, rules and conditions of participation in particular product(s) or service(s) that Global Credits Network or Global Credits Network LLC may offer) constitute a binding agreement between you, Global Credits Network and Global Credits Network LLC with respect to the Service and may or may not supersede any prior agreements, oral or written, between you, Global Credits Network or Global Credits Network LLC. In the event of a conflict between these Terms and the additional terms, rules and conditions of participation in particular Sites, product(s) or service(s), the more restrictive interpretation will prevail to the extent of the conflict and you agree that the more restrictive interpretation shall be to the benefit of Global Credits Network LLC.

The failure of Global Credits Network LLC to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision, and we reserve the right to delay enforcement or action at Our discretion. If any provision of the Terms is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect and to the benefit of Global Credits Network LLC.

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the Service or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.

The section titles in the Terms are for convenience only and have no legal or contractual effect.

Section 7

Right to Appeal

You have the right to appeal any decision We make regarding this No Refund No Return policy, but We have no obligation to review or consider such appeal to the extent limited by applicable law in the jurisdiction in which the purchase was made or the appeal requested.