TERMS OF SERVICE

YOUR TRUST IS IMPORTANT TO US.

LAST REVISION: May 1, 2018

Company Basics

Name: EPIMONI LLC

Type of Entity: Limited Liability Company (LLC)

Headquarters: Casper, Wyoming, USA

Domain Address and Electronic Property: epimoniapp.com, travel-epimoni.com

Areas Served: All 50 states within the U.S.

Ownership: Private investors

Direct Email Address: support@epimoniapp.com

Mailing Address: 5508 Vista Way, Casper, WY, 82601

 

What We Do

EPIMONI is a free-to-download mobile application and web-based system that brings borrowers, savers, and investors together in a completely transparent environment where they can leverage the power of a group. The application brings a centuries-old savings method to a modern platform. Users with varieties of financial goals join rotational Pools where they participate in cycles of contributions and withdrawals. The members of a Pool all contribute a set, uniform amount to the “pot” and they take turns withdrawing from it.

 

Definitions and Agreement

In these Terms, “you” and “your” refer to the individual that use the Services. “EPIMONI”, "Epimoni" “epimoniapp.com”, “travel-epimoni.com”, “we”, “us”, or “our”, as well as any affiliated or related company, refers to EPIMONI LLC. By using any EPIMONI service, website, application, product, software, data, content, and/or service (collectively, the "Services"), you are declaring that you understand and agree to the terms of this policy. When you registered for our services, you agreed to accept this policy.

 

EPIMONI LLC & “the Services”

EPIMONI provides an online financial borrowing and lending platform service (“the Services”) that allows users to connect directly with each other to share money among themselves. By using the Services, you agree to comply with and be legally bound by the terms and conditions of this Terms of Service (“Terms”) document. Whether you become a registered user of the Service or not, these Terms govern your access to and use of the Services. These Terms constitute a legal agreement between you and EPIMONI LLC. Please carefully review these Terms, and our Privacy Policy. If you do not agree to these Terms, you have no right to obtain information from or otherwise continue using the Services.

 

EPIMONI LLC & “Content”

Information and content published on Epimoniapp.com, travel-epimoni.com, our official social media platforms, and other official promotional material is named “Content” and shall not be copied or used without the written consent of EPIMONI LLC.

 

Eligibility for Membership

To be eligible for membership with EPIMONI LLC, you must meet the following requirements:

-You are at least 16 years of age, are authorized to submit a User registration, and are authorized to sign your User registration form.

-You are solely and fully liable for all Content, conduct, postings and transmissions that are made under your user name and password.

-You are solely responsible for reviewing, evaluating, and participation in any Pool.

-You understand EPIMONI LLC is not involved in any transactions between members.

-You are solely responsible for compliance with any and all laws, rules, regulations, and tax obligations that may apply to your use of the Services.

-You will not use manual or automated software, devices, scripts robots, other means or processes to access, “scrape”, “crawl” or “spider” any web pages or other Service contained in the Services.

-You will not use the Services for any commercial or other purposes that are not expressly permitted by these Terms.

-You will not damage the Service, including, without limitation, through the use of viruses, cancel bots, Trojan horses, harmful code, flood pings, denial-of-service attacks, packet or IP spoofing, forged routing or electronic mail address information or similar methods or technology;

-You will not use the Services to transmit, distribute, post or submit any information concerning any other person or entity, including without limitation, photographs of others without their permission, personal contact information, or credit, debit, calling card or bank account numbers.

-You will not use the Services in connection with the distribution of unsolicited commercial email ("spam") or advertisements.

-You will not "stalk" or harass any other User of the Service or collect or store any personally identifiable information about any other User other than for purposes of using the Services at intended.

-You will not recruit or otherwise solicit any other User to join third party services or websites that are competitive to EPIMONI LLC.

-You will not impersonate any person or entity, or falsify or otherwise misrepresent yourself or your affiliation with any person or entity.

-You will not use automated scripts to collect information or otherwise interact with the Services.

-You will not post, upload, publish, submit or transmit any Content that: (i) infringes, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy; (ii) violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability; (iii) is fraudulent, false, misleading or deceptive; (iv) is defamatory, obscene, pornographic, vulgar or offensive; (v) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (vi) is violent or threatening or promotes violence or actions that are threatening to any other person; or (vii) promotes illegal or harmful activities or substances.

-You will not use, display, mirror or frame the Services, EPIMONI’s name, any EPIMONI trademarks, logos or other proprietary information, or the layout and design of any page or form contained on a page.

-You will not attempt to probe, scan, or test the vulnerability of any EPIMONI LLC system or network or breach any security or authentication measures.

-You will not attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Service or Collective Content.

 

Membership Verification

Membership with EPIMONI LLC is obtained through completion of the verification process. Information that is required to be submitted through the verification process includes:

-Legal First Name

-Legal Last Name

-Email Address

-Physical Address

-Cell Phone Number

-Date of Birth

-Bank Account Authorization

 

Cooperation with Law Enforcement

EPIMONI LLC has the right to investigate and prosecute violations of any of the requirements set forth in these Terms. EPIMONI LLC may involve and cooperate with law enforcement authorities in prosecuting Users who violate these Terms. EPIMONI LLC has the right to ensure your compliance with these Terms, or to comply with applicable law or the order or requirement of a court, administrative agency or other governmental body.

 

Warranty and Liability

You understand and agree that EPIMONI LLC is not a party to any agreements entered into between users, and that EPIMONI is not a bank, a money services business, a money transmitter, or an issuer of stored value products. The Services enable users to communicate directly and to share funds among themselves. EPIMONI has no control over the conduct of users of the service, any information exchanged between users, or any sharing decisions by or among users, and disclaims all liability in this regard.

EPIMONI does not endorse or provide a guarantee to the validity of the information provided by users. Though we have several measures in place to reduce dishonest or un-representative behavior of the users, it is the sole responsibility of the users to investigate the information provided by other users.

 

Other Applicable Policies

In addition to these Terms, your access to and use of the Content and the Services is subject to EPIMONI LLC’s then-current policies relating to the Content and the Services, including. You agree to be bound by these policies by using the Service, you are consenting to have your personal data transferred to and processed by EPIMONI LLC and its affiliates. As part of providing you the Service, EPIMONI LLC may need to provide you with certain communications, such as service announcements and administrative messages. These communications are considered part of the Services, which you may not be able to opt-out from receiving.

 

Fees

Anyone that registers through the verification process is granted free access to our Service. There is no fee to download the app or access the browser version. There is also no fee to access your account; join or create a Pool; contribute to a Pool; or interact with other members. The only fee that you will be charged is a $4.00 deduction from your total withdrawal. This fee is used to cover our costs and for acting as the intermediary for facilitating this service to our users. The size of the Pool or your Position is not relevant, as every member is charged the same withdrawal fee. Our $4.00 fee is very minimal and does not negatively impact your total amount saved since your Bonus will be larger than the fee.

Charges, Fees, and Usage Costs

Download App

$0

Create Account

$0

Annual Fee

$0

Monthly Fee

$0

Late Fee

$0

Transaction Fee - Contributions

$0

Transaction Fee - Withdrawals

$4.00

 

Stated Withdrawal and Contribution Amounts

Before joining a Pool, every member is required to check the agreement box to these Terms and accept their transaction schedule. The schedule outlines the dates and amount of each Pool contribution that will automatically be deducted from their connected bank account. The schedule also outlines the date and amount of the Pool withdrawal that will automatically be deposited in to their connected bank account. By selecting that he or she agrees with the stated withdrawal and contribution amounts, the user is bound to the commitment.

 

Admin Control

We may access your account in “overlord mode” to fix problems. We don’t share personal information we find there with third parties. We also reserve the right to submit changes to your profile information if you request it or need assistance.

 

Email List

We send out members occasional emails with news; informative material relating to personal finance; promotions; and various information about our platform. The frequency of the emails will vary, but we can ensure we will not send more than 1 email per every 7-day period. We will not send you spam. We will send you emails to keep you up-to-date with your money, your Pools, and to inform you about changes to the product or problems with your account. You can adjust the communication settings in your account.

 

Your Information and Data

EPIMONI LLC is based in the United States and we conform with laws regarding privacy; data collection and integrity; and electronic security. We store and process user information in the U.S. and we provide information to governments where required by law. We do not sell or rent your personal data to third parties for marketing services.

We analyze some of your information and browsing data to improve the Services but we do not share this information with third parties. Please review our Privacy Policy for all the details.

 

Social Media

EPIMONI LLC uses your Facebook, Google, and LinkedIn information, if you elect to login using these platforms. The data we collect from your Facebook, Google, and LinkedIn accounts helps us verify who you are.

EPIMONI LLC’s official social media accounts can be found at the links below:

Facebook: https://www.facebook.com/EpimoniApp

Instagram: https://www.instagram.com/epimoniapp

LinkedIn: https://www.linkedin.com/company/epimoniapp

YouTube: https://www.youtube.com/channel/UCDl2Y_Ugyt2q212H8DSC_ZQ

 

Taxes

You understand and agree that you are solely responsible for determining your applicable tax reporting requirements in consultation with your tax advisors. EPIMONI LLC cannot and does not offer Tax-related advice to any member. “Tax” or “Taxes” mean any sales taxes, value added taxes (VAT), goods and Service taxes (GST) and other similar municipal, provincial, state and federal indirect or other withholding and personal or corporate income taxes.

 

Advertisement

We may include advertisements on the platform on its own behalf or on the behalf of paid advertisers. By clicking on the advertisements, the User may be shifted to a Web site of the advertiser or receive other messages, information, or offers from the advertiser. Users acknowledge and agree that EPIMONI LLC is not liable for the privacy practices of advertisers or the content of their Web sites, information, messages or offers. Users are wholly liable for all communications with advertisers and for all transactions subsequently executed.

 

Termination of Account

You may cancel your account at any time by contacting us at support@epimoniapp.com. If your account is deleted, we do not have an obligation to delete or return to you any Content you have posted to the Service.

We may, in our discretion and without liability to you, with or without cause, with or without prior notice, and at any time: (a) terminate these Terms or your access to our Service, and (b) deactivate or cancel your User account. Upon termination, we will promptly pay you any amounts we reasonably determine we owe you in our discretion, which we are legally obligated to pay you. In the event EPIMONI LLC terminates these Terms, or your access to our Service or deactivates or cancels your User account you will remain liable for all amounts due hereunder.

 

Modifications

EPIMONI LLC reserves the right, at its sole discretion, to modify or discontinue, temporarily or permanently, the Service or to modify these Terms, including any Fees, at any time and without prior notice. If we modify these Terms, we will post the modification on the Site or via the App; however, we reserve the right to make any such changes effective immediately to maintain the security of our Service of to comply with any laws or regulations. We will update the “Last Updated Date” at the top of these Terms. Modifications to these Terms shall automatically be effective upon posting. You agree to keep your email address on file up-to-date. By continuing to access or use the Service after we have posted a modification or have provided you with notice of a modification, you are indicating that you agree to be bound by the modified Terms.If the modified Terms are not acceptable to you, your only recourse is to cease using the Service.

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