Wino Ecosystem

Terms of Use

Get back

Wino Ecosystem

Terms of Use

Get back

Last update: 14 feb, 2026

1. Agreement to These Terms

These Terms of Use (“Terms”) govern your access to and use of the Wino Pay software application, website, documentation, and any related materials (collectively, the “Service”), operated by Mate App LLC, a Wyoming limited liability company (“Company,” “we,” “us,” or “our”). By downloading, accessing, or using the Service, you agree to be bound by these Terms and you acknowledge the Risk Disclosure and Privacy Policy. If you do not agree, do not use the Service.

1. Agreement to These Terms

These Terms of Use (“Terms”) govern your access to and use of the Wino Pay software application, website, documentation, and any related materials (collectively, the “Service”), operated by Mate App LLC, a Wyoming limited liability company (“Company,” “we,” “us,” or “our”). By downloading, accessing, or using the Service, you agree to be bound by these Terms and you acknowledge the Risk Disclosure and Privacy Policy. If you do not agree, do not use the Service.

1. Agreement to These Terms

These Terms of Use (“Terms”) govern your access to and use of the Wino Pay software application, website, documentation, and any related materials (collectively, the “Service”), operated by Mate App LLC, a Wyoming limited liability company (“Company,” “we,” “us,” or “our”). By downloading, accessing, or using the Service, you agree to be bound by these Terms and you acknowledge the Risk Disclosure and Privacy Policy. If you do not agree, do not use the Service.

2. Merchant-Only Use; Authority

The Service is intended solely for commercial/merchant use. You represent and warrant that you are acting on behalf of a business (including a sole proprietorship) and that you have the legal authority to bind that business to these Terms. The Service is not intended for personal, family, household, or retail consumer use.

2. Merchant-Only Use; Authority

The Service is intended solely for commercial/merchant use. You represent and warrant that you are acting on behalf of a business (including a sole proprietorship) and that you have the legal authority to bind that business to these Terms. The Service is not intended for personal, family, household, or retail consumer use.

2. Merchant-Only Use; Authority

The Service is intended solely for commercial/merchant use. You represent and warrant that you are acting on behalf of a business (including a sole proprietorship) and that you have the legal authority to bind that business to these Terms. The Service is not intended for personal, family, household, or retail consumer use.

3. Nature of the Service (Software Tool Only)

Wino Pay is a non-custodial software tool that enables merchants to (a) generate blockchain-based payment requests (such as invoice details, QR codes, or payment instructions) and (b) display publicly available blockchain transaction status information. The Company does not: (i) custody, hold, or control digital assets; (ii) hold, store, or have access to private keys, seed phrases, or wallet credentials; (iii) initiate, sign, route, or transmit blockchain transactions on your behalf; (iv) provide money transmission, payment processing, remittance, escrow, settlement as a financial service, banking services, lending, or brokerage services; (v) provide exchange, conversion, fiat on/off-ramp, or cash-out services; (vi) issue stablecoins or other tokens; or (vii) provide financial, investment, legal, or tax advice. All blockchain transfers occur directly between blockchain addresses controlled by users. You are solely responsible for selecting the correct wallet address, network, and transaction parameters.

3. Nature of the Service (Software Tool Only)

Wino Pay is a non-custodial software tool that enables merchants to (a) generate blockchain-based payment requests (such as invoice details, QR codes, or payment instructions) and (b) display publicly available blockchain transaction status information. The Company does not: (i) custody, hold, or control digital assets; (ii) hold, store, or have access to private keys, seed phrases, or wallet credentials; (iii) initiate, sign, route, or transmit blockchain transactions on your behalf; (iv) provide money transmission, payment processing, remittance, escrow, settlement as a financial service, banking services, lending, or brokerage services; (v) provide exchange, conversion, fiat on/off-ramp, or cash-out services; (vi) issue stablecoins or other tokens; or (vii) provide financial, investment, legal, or tax advice. All blockchain transfers occur directly between blockchain addresses controlled by users. You are solely responsible for selecting the correct wallet address, network, and transaction parameters.

3. Nature of the Service (Software Tool Only)

Wino Pay is a non-custodial software tool that enables merchants to (a) generate blockchain-based payment requests (such as invoice details, QR codes, or payment instructions) and (b) display publicly available blockchain transaction status information. The Company does not: (i) custody, hold, or control digital assets; (ii) hold, store, or have access to private keys, seed phrases, or wallet credentials; (iii) initiate, sign, route, or transmit blockchain transactions on your behalf; (iv) provide money transmission, payment processing, remittance, escrow, settlement as a financial service, banking services, lending, or brokerage services; (v) provide exchange, conversion, fiat on/off-ramp, or cash-out services; (vi) issue stablecoins or other tokens; or (vii) provide financial, investment, legal, or tax advice. All blockchain transfers occur directly between blockchain addresses controlled by users. You are solely responsible for selecting the correct wallet address, network, and transaction parameters.

4. Non-Custodial; Irreversible Transactions; No Chargebacks

You acknowledge and agree: (a) you control your wallet(s) and private keys at all times; (b) the Company cannot recover keys, reset wallets, freeze funds, stop transactions, or reverse transactions; (c) blockchain transactions are generally irreversible once broadcast and/or confirmed; and (d) there are no chargebacks. Any refund is solely between you and your customer and, if provided, must be completed by a separate new blockchain transaction initiated by you.

4. Non-Custodial; Irreversible Transactions; No Chargebacks

You acknowledge and agree: (a) you control your wallet(s) and private keys at all times; (b) the Company cannot recover keys, reset wallets, freeze funds, stop transactions, or reverse transactions; (c) blockchain transactions are generally irreversible once broadcast and/or confirmed; and (d) there are no chargebacks. Any refund is solely between you and your customer and, if provided, must be completed by a separate new blockchain transaction initiated by you.

4. Non-Custodial; Irreversible Transactions; No Chargebacks

You acknowledge and agree: (a) you control your wallet(s) and private keys at all times; (b) the Company cannot recover keys, reset wallets, freeze funds, stop transactions, or reverse transactions; (c) blockchain transactions are generally irreversible once broadcast and/or confirmed; and (d) there are no chargebacks. Any refund is solely between you and your customer and, if provided, must be completed by a separate new blockchain transaction initiated by you.

5. Supported Networks and Assets; Informational Status

The Service may display or reference supported blockchain networks and digital assets (including stablecoins). Supported networks and assets may change without notice. Any confirmation or status information displayed by the Service is provided for informational purposes only and may be delayed, inaccurate, incomplete, or unavailable due to third-party network conditions and dependencies.

5. Supported Networks and Assets; Informational Status

The Service may display or reference supported blockchain networks and digital assets (including stablecoins). Supported networks and assets may change without notice. Any confirmation or status information displayed by the Service is provided for informational purposes only and may be delayed, inaccurate, incomplete, or unavailable due to third-party network conditions and dependencies.

5. Supported Networks and Assets; Informational Status

The Service may display or reference supported blockchain networks and digital assets (including stablecoins). Supported networks and assets may change without notice. Any confirmation or status information displayed by the Service is provided for informational purposes only and may be delayed, inaccurate, incomplete, or unavailable due to third-party network conditions and dependencies.

6. Merchant Profile Data

To use certain features, you may be required to provide limited merchant profile information (for example, business name and logo). You are responsible for ensuring such information is accurate and that you have rights to use any logos, trademarks, or materials you provide.

6. Merchant Profile Data

To use certain features, you may be required to provide limited merchant profile information (for example, business name and logo). You are responsible for ensuring such information is accurate and that you have rights to use any logos, trademarks, or materials you provide.

6. Merchant Profile Data

To use certain features, you may be required to provide limited merchant profile information (for example, business name and logo). You are responsible for ensuring such information is accurate and that you have rights to use any logos, trademarks, or materials you provide.

7. Fees; Subscriptions; Taxes

Access to certain features of the Service may require payment of a subscription fee. All fees are charged for software access only and are non-refundable unless required by law. You are solely responsible for any taxes, duties, or other governmental assessments associated with your use of the Service or your business activities, including taxes related to receiving or reporting digital asset payments.

7. Fees; Subscriptions; Taxes

Access to certain features of the Service may require payment of a subscription fee. All fees are charged for software access only and are non-refundable unless required by law. You are solely responsible for any taxes, duties, or other governmental assessments associated with your use of the Service or your business activities, including taxes related to receiving or reporting digital asset payments.

7. Fees; Subscriptions; Taxes

Access to certain features of the Service may require payment of a subscription fee. All fees are charged for software access only and are non-refundable unless required by law. You are solely responsible for any taxes, duties, or other governmental assessments associated with your use of the Service or your business activities, including taxes related to receiving or reporting digital asset payments.

8. Compliance; Prohibited Use

You may not use the Service to violate any applicable law or regulation, including laws related to money laundering, terrorist financing, sanctions, fraud, consumer protection, or tax compliance. You may not use the Service to facilitate, promote, or support: (a) money laundering; (b) terrorist financing; (c) sanctions evasion; (d) fraud or deceptive practices; (e) unauthorized money transmission or remittance services; (f) operating an unlicensed financial institution; or (g) processing payments for illegal goods or services. You are solely responsible for determining whether your acceptance of digital assets is lawful in your jurisdiction and for complying with all regulatory, licensing, tax, and reporting obligations.

8. Compliance; Prohibited Use

You may not use the Service to violate any applicable law or regulation, including laws related to money laundering, terrorist financing, sanctions, fraud, consumer protection, or tax compliance. You may not use the Service to facilitate, promote, or support: (a) money laundering; (b) terrorist financing; (c) sanctions evasion; (d) fraud or deceptive practices; (e) unauthorized money transmission or remittance services; (f) operating an unlicensed financial institution; or (g) processing payments for illegal goods or services. You are solely responsible for determining whether your acceptance of digital assets is lawful in your jurisdiction and for complying with all regulatory, licensing, tax, and reporting obligations.

8. Compliance; Prohibited Use

You may not use the Service to violate any applicable law or regulation, including laws related to money laundering, terrorist financing, sanctions, fraud, consumer protection, or tax compliance. You may not use the Service to facilitate, promote, or support: (a) money laundering; (b) terrorist financing; (c) sanctions evasion; (d) fraud or deceptive practices; (e) unauthorized money transmission or remittance services; (f) operating an unlicensed financial institution; or (g) processing payments for illegal goods or services. You are solely responsible for determining whether your acceptance of digital assets is lawful in your jurisdiction and for complying with all regulatory, licensing, tax, and reporting obligations.

9. Sanctions and Export Compliance

You represent and warrant that you are not (a) located in, organized under the laws of, or ordinarily resident in any jurisdiction subject to comprehensive sanctions, or (b) listed on, owned or controlled by, or acting on behalf of any person or entity listed on any sanctions list, including the OFAC Specially Designated Nationals and Blocked Persons List. You agree not to use, export, re-export, transfer, or otherwise make available the Service in violation of United States export control or sanctions laws.

9. Sanctions and Export Compliance

You represent and warrant that you are not (a) located in, organized under the laws of, or ordinarily resident in any jurisdiction subject to comprehensive sanctions, or (b) listed on, owned or controlled by, or acting on behalf of any person or entity listed on any sanctions list, including the OFAC Specially Designated Nationals and Blocked Persons List. You agree not to use, export, re-export, transfer, or otherwise make available the Service in violation of United States export control or sanctions laws.

9. Sanctions and Export Compliance

You represent and warrant that you are not (a) located in, organized under the laws of, or ordinarily resident in any jurisdiction subject to comprehensive sanctions, or (b) listed on, owned or controlled by, or acting on behalf of any person or entity listed on any sanctions list, including the OFAC Specially Designated Nationals and Blocked Persons List. You agree not to use, export, re-export, transfer, or otherwise make available the Service in violation of United States export control or sanctions laws.

10. Stablecoin and Blockchain Risks

Digital assets and stablecoins involve significant risks. Stablecoins may lose their peg, face liquidity or redemption constraints, or be subject to issuer actions, including freezing, blocking, or blacklisting of addresses. Blockchain networks may experience outages, congestion, increased fees, delayed confirmations, chain reorganizations, or other events that can cause transaction delays, failures, or unexpected outcomes. The Company does not guarantee any transaction confirmation, finality, or stablecoin peg.

10. Stablecoin and Blockchain Risks

Digital assets and stablecoins involve significant risks. Stablecoins may lose their peg, face liquidity or redemption constraints, or be subject to issuer actions, including freezing, blocking, or blacklisting of addresses. Blockchain networks may experience outages, congestion, increased fees, delayed confirmations, chain reorganizations, or other events that can cause transaction delays, failures, or unexpected outcomes. The Company does not guarantee any transaction confirmation, finality, or stablecoin peg.

10. Stablecoin and Blockchain Risks

Digital assets and stablecoins involve significant risks. Stablecoins may lose their peg, face liquidity or redemption constraints, or be subject to issuer actions, including freezing, blocking, or blacklisting of addresses. Blockchain networks may experience outages, congestion, increased fees, delayed confirmations, chain reorganizations, or other events that can cause transaction delays, failures, or unexpected outcomes. The Company does not guarantee any transaction confirmation, finality, or stablecoin peg.

11. Third-Party Services; Network Dependencies

The Service may rely on or interoperate with third-party services and networks, including wallet providers, blockchain networks, RPC providers, stablecoin issuers, and block explorers. The Company does not control third-party services or networks and is not responsible for their performance, availability, security, or actions. Your use of third-party services is at your own risk and subject to their terms.

11. Third-Party Services; Network Dependencies

The Service may rely on or interoperate with third-party services and networks, including wallet providers, blockchain networks, RPC providers, stablecoin issuers, and block explorers. The Company does not control third-party services or networks and is not responsible for their performance, availability, security, or actions. Your use of third-party services is at your own risk and subject to their terms.

11. Third-Party Services; Network Dependencies

The Service may rely on or interoperate with third-party services and networks, including wallet providers, blockchain networks, RPC providers, stablecoin issuers, and block explorers. The Company does not control third-party services or networks and is not responsible for their performance, availability, security, or actions. Your use of third-party services is at your own risk and subject to their terms.

12. Intellectual Property; License Restrictions

The Service and all related content, software, and materials are owned by the Company or its licensors and are protected by intellectual property laws. Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Service for your internal business purposes. You may not: (a) copy, modify, or create derivative works of the Service; (b) reverse engineer, decompile, or attempt to derive source code; (c) circumvent security features or access controls; (d) use the Service to build or benchmark a competing product; (e) scrape or harvest data from the Service at scale; or (f) remove proprietary notices. If you provide feedback or suggestions, you grant the Company a perpetual, worldwide, royalty-free license to use and incorporate them without obligation to you.

12. Intellectual Property; License Restrictions

The Service and all related content, software, and materials are owned by the Company or its licensors and are protected by intellectual property laws. Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Service for your internal business purposes. You may not: (a) copy, modify, or create derivative works of the Service; (b) reverse engineer, decompile, or attempt to derive source code; (c) circumvent security features or access controls; (d) use the Service to build or benchmark a competing product; (e) scrape or harvest data from the Service at scale; or (f) remove proprietary notices. If you provide feedback or suggestions, you grant the Company a perpetual, worldwide, royalty-free license to use and incorporate them without obligation to you.

12. Intellectual Property; License Restrictions

The Service and all related content, software, and materials are owned by the Company or its licensors and are protected by intellectual property laws. Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Service for your internal business purposes. You may not: (a) copy, modify, or create derivative works of the Service; (b) reverse engineer, decompile, or attempt to derive source code; (c) circumvent security features or access controls; (d) use the Service to build or benchmark a competing product; (e) scrape or harvest data from the Service at scale; or (f) remove proprietary notices. If you provide feedback or suggestions, you grant the Company a perpetual, worldwide, royalty-free license to use and incorporate them without obligation to you.

13. Disclaimers; No Warranty

The Service is provided on an “AS IS” and “AS AVAILABLE” basis. To the maximum extent permitted by law, the Company disclaims all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, and uninterrupted operation. The Company does not guarantee blockchain network uptime, transaction confirmation, accuracy of status information, or stablecoin peg.

13. Disclaimers; No Warranty

The Service is provided on an “AS IS” and “AS AVAILABLE” basis. To the maximum extent permitted by law, the Company disclaims all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, and uninterrupted operation. The Company does not guarantee blockchain network uptime, transaction confirmation, accuracy of status information, or stablecoin peg.

13. Disclaimers; No Warranty

The Service is provided on an “AS IS” and “AS AVAILABLE” basis. To the maximum extent permitted by law, the Company disclaims all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, and uninterrupted operation. The Company does not guarantee blockchain network uptime, transaction confirmation, accuracy of status information, or stablecoin peg.

14. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, business, goodwill, data, digital assets, or other intangible losses, arising out of or related to your use of (or inability to use) the Service. Without limiting the foregoing, the Company is not liable for: (a) loss of digital assets due to user error, incorrect addresses, wrong networks, or compromised wallets; (b) blockchain network failures, congestion, or reorganizations; (c) stablecoin depegging or issuer actions; (d) third-party wallet or service failures; or (e) regulatory or tax consequences imposed on you. To the maximum extent permitted by law, the Company’s total liability for all claims arising out of or related to the Service shall not exceed the total subscription fees paid by you to the Company for the Service during the twelve (12) months immediately preceding the event giving rise to the claim.

14. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, business, goodwill, data, digital assets, or other intangible losses, arising out of or related to your use of (or inability to use) the Service. Without limiting the foregoing, the Company is not liable for: (a) loss of digital assets due to user error, incorrect addresses, wrong networks, or compromised wallets; (b) blockchain network failures, congestion, or reorganizations; (c) stablecoin depegging or issuer actions; (d) third-party wallet or service failures; or (e) regulatory or tax consequences imposed on you. To the maximum extent permitted by law, the Company’s total liability for all claims arising out of or related to the Service shall not exceed the total subscription fees paid by you to the Company for the Service during the twelve (12) months immediately preceding the event giving rise to the claim.

14. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, business, goodwill, data, digital assets, or other intangible losses, arising out of or related to your use of (or inability to use) the Service. Without limiting the foregoing, the Company is not liable for: (a) loss of digital assets due to user error, incorrect addresses, wrong networks, or compromised wallets; (b) blockchain network failures, congestion, or reorganizations; (c) stablecoin depegging or issuer actions; (d) third-party wallet or service failures; or (e) regulatory or tax consequences imposed on you. To the maximum extent permitted by law, the Company’s total liability for all claims arising out of or related to the Service shall not exceed the total subscription fees paid by you to the Company for the Service during the twelve (12) months immediately preceding the event giving rise to the claim.

15. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, contractors, and affiliates from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your business, products, services, or customer relationships; (c) your violation of these Terms or any applicable law; or (d) any dispute between you and a third party, including customers.

15. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, contractors, and affiliates from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your business, products, services, or customer relationships; (c) your violation of these Terms or any applicable law; or (d) any dispute between you and a third party, including customers.

15. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, contractors, and affiliates from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your business, products, services, or customer relationships; (c) your violation of these Terms or any applicable law; or (d) any dispute between you and a third party, including customers.

16. Termination; Discontinuation

You may stop using the Service at any time. The Company may modify, suspend, or discontinue the Service (including the website or any hosted components) at any time. The Company does not have the ability to reverse, block, or halt blockchain transactions.

16. Termination; Discontinuation

You may stop using the Service at any time. The Company may modify, suspend, or discontinue the Service (including the website or any hosted components) at any time. The Company does not have the ability to reverse, block, or halt blockchain transactions.

16. Termination; Discontinuation

You may stop using the Service at any time. The Company may modify, suspend, or discontinue the Service (including the website or any hosted components) at any time. The Company does not have the ability to reverse, block, or halt blockchain transactions.

17. Dispute Resolution; Arbitration; Class Action Waiver

Except for disputes eligible for small claims court or claims seeking injunctive or equitable relief to prevent unauthorized use or infringement of the Company’s intellectual property, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration. The arbitration shall be conducted in Wyoming, United States, in the English language, by a single arbitrator, under the then-applicable rules of a recognized arbitration administrator (such as AAA or JAMS), unless the parties agree otherwise. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. If any portion of this Section is found unenforceable, then the remainder shall remain in effect, except that if the class action waiver is found unenforceable, then this entire Section shall be null and void.

17. Dispute Resolution; Arbitration; Class Action Waiver

Except for disputes eligible for small claims court or claims seeking injunctive or equitable relief to prevent unauthorized use or infringement of the Company’s intellectual property, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration. The arbitration shall be conducted in Wyoming, United States, in the English language, by a single arbitrator, under the then-applicable rules of a recognized arbitration administrator (such as AAA or JAMS), unless the parties agree otherwise. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. If any portion of this Section is found unenforceable, then the remainder shall remain in effect, except that if the class action waiver is found unenforceable, then this entire Section shall be null and void.

17. Dispute Resolution; Arbitration; Class Action Waiver

Except for disputes eligible for small claims court or claims seeking injunctive or equitable relief to prevent unauthorized use or infringement of the Company’s intellectual property, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration. The arbitration shall be conducted in Wyoming, United States, in the English language, by a single arbitrator, under the then-applicable rules of a recognized arbitration administrator (such as AAA or JAMS), unless the parties agree otherwise. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. If any portion of this Section is found unenforceable, then the remainder shall remain in effect, except that if the class action waiver is found unenforceable, then this entire Section shall be null and void.

18. Governing Law; Venue

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict of laws principles. To the extent any dispute is not subject to arbitration, you agree that it shall be brought exclusively in the state or federal courts located in Wyoming, and you consent to personal jurisdiction and venue in such courts.

18. Governing Law; Venue

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict of laws principles. To the extent any dispute is not subject to arbitration, you agree that it shall be brought exclusively in the state or federal courts located in Wyoming, and you consent to personal jurisdiction and venue in such courts.

18. Governing Law; Venue

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict of laws principles. To the extent any dispute is not subject to arbitration, you agree that it shall be brought exclusively in the state or federal courts located in Wyoming, and you consent to personal jurisdiction and venue in such courts.

19. Changes to These Terms

We may update these Terms from time to time. Updated Terms will be effective when posted within the Service or on our website, unless otherwise stated. Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance of the updated Terms.

19. Changes to These Terms

We may update these Terms from time to time. Updated Terms will be effective when posted within the Service or on our website, unless otherwise stated. Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance of the updated Terms.

19. Changes to These Terms

We may update these Terms from time to time. Updated Terms will be effective when posted within the Service or on our website, unless otherwise stated. Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance of the updated Terms.

20. Contact

Questions about these Terms may be submitted to: support@winobank.com

20. Contact

Questions about these Terms may be submitted to: support@winobank.com

20. Contact

Questions about these Terms may be submitted to: support@winobank.com

Have questions?

Reach us quick

Get in touch

Have questions?

Reach us quick

Get in touch

Have questions?

Reach us quick

Get in touch