Terms of Use

Terms of Use

LAST UPDATED: 06 February 2023

Welcome to Monstro! We are a digital wealth platform that empowers and educates you across complex financial, legal and tax affairs.  We provide tools and insights to help you create, maintain, and optimize your financial plan.

These Terms of Use (these “Terms”) form a legally binding agreement between you (“you” or “your”) and Monstro, Inc. (“Monstro,” “we,” “us,” or “our”). These Terms govern your use of our mobile applications (each an “App”), our website (located at https://www.Monstro.com) (our “Site”), and any services available therein or as may be further described by these Terms (collectively, the “Services ”). You will be required to click accept these Terms in order to use the Services.  By accessing and continuing to use the Services you acknowledge and agree that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, certain terms put in place by our Partners (if applicable), our Submission Content Rules, and any other additional terms which we may make available to you from time to time (collectively, the “ Agreement ”) and you represent and warrant that you have the right, authority, and capacity to enter into these Terms (on behalf of yourself or the entity that you represent).  If you do not agree to the Terms, you should not install the App, use or browse our Site, or otherwise use our Services.  We reserve the right to update and modify these Terms at any time, so please review them frequently.  Your continued use of our Services will signify your acceptance of any changes to these terms.

THESE TERMS INCLUDE A BINDING ARBITRATION CLAUSE REQUIRING YOU AND US TO ARBITRATE ANY DISPUTE ON AN INDIVIDUAL BASIS INSTEAD OF BY JURY TRIALS OR CLASS ACTIONS, AND ALSO LIMIT THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE. PLEASE READ THESE TERMS CAREFULLY AS THEY MAY AFFECT YOUR RIGHTS.

Our Services.

As described in our Privacy Policy, we may use information you provide us or information we obtain with your permission or on your behalf to analyze, sort, and present certain information or features to you.

Any analysis, insights, estimates, outputs, or results (collectively, the “Outputs ”) we provide as part of our Services are for educational and informational purposes only. The Outputs are neither endorsed by, nor commissioned by, any of our Partners (defined below). The methodology used to produce the Outputs is proprietary in nature. We may elect to consider, ignore, emphasize, or de-emphasize certain factors in our sole discretion when producing the Outputs.

Monitoring of our Services.

Monstro has the right, but not the obligation, to monitor your use of our Services. We may access, use, preserve, transfer or disclose, at any time and without notice to you, any information (including “Personal Information” as defined in Privacy Policy) as reasonably necessary to: (1) comply with any applicable law, regulation, subpoena, or legal process, or respond to any governmental request or cooperate with law enforcement, if we believe such action is required or permitted by law; (2) enforce this Agreement, including to investigate potential violations; (3) protect the safety, integrity, rights, or security of our members, our Services or equipment, or any third party; or (4) detect, prevent, or otherwise address fraud, security, or technical issues related to our Services or the services of our Partners.

Third Party Integrations.

Monstro works with certain third-party data providers, financial institutions, integration partners, and any affiliates, partners, or service providers associated therewith (collectively, our “Partners ”) to provide the Services to you. You acknowledge that such Partners may require you to enter into separate and additional terms applicable to such Partners. You further acknowledge that proper use and functioning of the Services may be conditioned upon your acceptance of such separate and additional terms. Our Partners may add, remove, or amend such terms at any time. Your continuing use of the Services constitutes your consent and agreement to any such addition, removal, or amendment.

Ownership and Infringement.

Our Content.

All content and materials provided by us through our Services, including, without limitation, the Outputs, images, text, visual interfaces, information, data, computer code, and the method or manner in which organized, displayed, or presented (our “ Content ”) and all related intellectual property rights are the property of Monstro and/or our Partners. Our Content is protected by U.S. and international intellectual property laws and treaties. You are permitted to use our Content only on our Services and you may not copy, modify, sell, reproduce, distribute, republish, display, post, create derivative or collective works from, or transmit in any form (including in-line linking or mirroring) our Content, in whole or in part, without our express prior written consent. You may not reverse engineer or reverse compile any of our Services or the technology used to operate our Services. Nothing in the Agreement or our Services grants you, by implication, estoppel, or otherwise, any license or right to use our Content except as expressly stated in the Agreement.

Our Partners’ Intellectual Property.

Our Services may also display certain intellectual property owned by our Partners (e.g., names and/or logos of certain companies, products, or services) (collectively, our “Partners’ Intellectual Property ”). Nothing in the Agreement or our Services grants you, by implication, estoppel, or otherwise, any license or right to copy, modify, sell, reproduce, distribute, republish, display, post, create derivative works from or transmit in any form (including in-line linking or mirroring) any of our Partners’ Intellectual Property.

Your Account; Registration.

You will need to register for a Monstro member account (an “Account ”) to access many aspects of our Services, including, without limitation, offers for products and services made available by our Partners to the users of the Services. Registering for an Account is optional, but if you do not register for an Account, you will not be able to access certain aspects of our Services.

By registering for an Account, you certify that:

  • You are 18 years of age or older

  • You have a valid U.S. Social Security number

  • Any information you provide to us, both when you register and in the future, is and will be true, accurate, current and complete

  • You are only registering an Account for yourself

  • You will keep all information up-to-date

  • You will create a unique password to create and access your Account that is unique to Monstro and not re-used across other, unaffiliated services

  •  You must not sell, transfer, or assign your Account to anyone else. You must keep your password confidential, you must not share it and you may not allow anyone else to log into our Services as you. You are responsible for all activities that occur under your Account. If you believe your Account is no longer secure, notify us immediately by email  or through our help channels.

Your Submissions.

Submissions; Submission Content Rules.

We may provide you and others with the opportunity (through conversations or comments around specific topics which the Services may present to you from time to time) to submit, post, and publish certain content and materials, including documents, messages, photos, images, data, and text (“ Submissions ”). We encourage you to build connections with other Monstro users by viewing, posting, sharing, or otherwise interacting with, where applicable, the Services. We may, from time to time, develop certain rules, policies, or guidelines regulating or governing the content of Submissions (our “ Submission Content Rules”). By submitting, posting, or publishing Submissions you agree to abide by our Submission Content Rules.

License to your Submissions.

By submitting, posting, or publishing Submissions on or through our Services, you grant to Monstro a non-exclusive, unrestricted, perpetual, irrevocable, transferable, sublicensable, royalty-free license to publish, host, store, transfer, distribute, modify, create derivative and collective works from, reproduce, display, perform, transmit, process, or otherwise use, in any manner and for any purpose, and in all forms or distribution methods now known or later developed, your Submissions, in whole or in part, to provide, optimize, improve, and promote or market our Services, and to create new products and services. This license includes the right to use your name, persona, username, likeness, and any other information associated with your Account without compensation. This license also includes the right to publish your Submissions in a searchable format that may be accessed by other users of our Services. You also grant to other users of our Services a non-exclusive license to access and use your Submissions in connection with our Submission Content Rules.

Representations and Warranties Regarding Your Submissions.

You are solely responsible for your Submissions. By submitting, posting, or publishing your Submissions, you represent and warrant that (a) you are the creator and owner of your Submission or have the necessary licenses, rights, consents, and permissions to authorize us and other users to use your Submissions and (b) your Submissions comply with our Submission Content Rules.

Editorial Control of Submissions.

We make no representation, warranty, or guarantee that the Submissions will be complete, accurate, reliable, truthful, or useful. You may see Submissions that may be inaccurate, offensive, indecent, or objectionable. We have the right, but not the obligation, to review, monitor, edit, control, distribute, refuse to distribute, block access, re-format, alter, delete, or remove any Submission for any reason, including, without limitation, to satisfy applicable law, enforce the Agreement (including our Submission Content Rules), or protect the rights, property or safety of Monstro, our Partners, our users, or any third party, in each case without notice to you and in our sole discretion. We disclaim all liability for any Submissions and you hereby waive any legal or equitable right or remedy you have against us with respect to any Submissions. For additional details on our use of Submissions, please review our Privacy Policy.

Feedback.

We may provide you with opportunities (through email, social media, feedback forms, surveys, or other channels) to identify inaccurate information or problems, suggest modifications to help improve the Services, share general comments, suggestions, or feedback, and provide us with an indication of how you perceive the quality, usefulness, and value of the Services (“ Feedback ”). By submitting, posting, or otherwise providing us your Feedback, you hereby grant us a non-exclusive unrestricted, perpetual, irrevocable, transferable, sublicensable, royalty-free license to use your Feedback in any manner and for any purpose to provide, optimize, improve, promote or market our Services, and to create new products and services. This license includes the right to use your name, persona, username, likeness, and any other information associated with your Account for the foregoing purposes without compensation, all in accordance with our Privacy Policy.

Disclaimers.

THE SERVICES AND ALL CONTENT AND MATERIALS AVAILABLE THEREIN, INCLUDING, WITHOUT LIMITATION, THE OUTPUTS AND THE SUBMISSIONS, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS OR IMPLIED. MONSTRO, ON BEHALF OF ITSELF, ITS AFFILIATES, ITS PARTNERS, AND ITS LICENSORS, DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SERVICES AND ALL CONTENT AND MATERIALS AVAILABLE THEREIN (INCLUDING, WITHOUT LIMITATION, THE OUTPUTS AND THE SUBMISSIONS), INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, QUALITY, ACCURACY, TITLE AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE OR TRADE.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SERVICES, INCLUDING, WITHOUT LIMITATION, THE OUTPUTS AND THE SUBMISSIONS, WILL CREATE ANY WARRANTY THAT IS NOT EXPRESSLY STATED IN THESE TERMS. YOU ACKNOWLEDGE THAT YOUR ACCESS AND USE OF THE SERVICES, INCLUDING, WITHOUT LIMITATION, THE OUTPUTS AND ANY SUBMISSIONS, IS AT YOUR OWN DISCRETION AND RISK AND THAT YOU BEAR SOLE AND EXCLUSIVE LIABILITY FOR ANY LOSS OR DAMAGE RESULTING FROM YOUR USE THEREOF. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING ANY COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE SERVICES), OR THE LOSS OF DATA THAT MAY RESULT FROM THE USE OF THE SERVICES.

YOU ACKNOWLEDGE THAT MONSTRO FUNCTIONS SOLELY AS AN INTERMEDIARY AND AGGREGATOR OF EDUCATIONAL INFORMATION AND THAT THE ACCURACY, RELIABILITY, AND COMPLETENESS OF ANY OUTPUTS DEPENDS ON THE ACCURACY, RELIABILITY, AND COMPLETENESS OF ANY DATA AUTHORIZED TO BE PROVIDED BY OUR PARTNERS ON YOUR BEHALF. MONSTRO EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY ERRORS OR OMISSIONS IN OUR OUTPUTS.

MONSTRO IS NOT INVOLVED IN THE SALE, TRADING, OR TRANSFERRING OF ANY SECURITIES, NOR IS MONSTRO IN THE BUSINESS OF PROVIDING ANY LEGAL, TAX, OR INVESTMENT ADVICE.  FURTHER, MONSTRO IS NOT REGISTERED AS AN INVESTMENT COMPANY UNDER THE U.S. INVESTMENT COMPANY ACT OF 1940, AS AMENDED, OR THE INVESTMENT ADVISERS ACT OF 1940.  ADDITIONALLY, MONSTRO IS NEITHER A REGISTERED REPRESENTATIVE UNDER THE FINANCIAL INDUSTRY REGULATORY AUTHORITY (“FINRA”), A MEMBER OF FINRA OR ASSOCIATED OR AFFILIATED (AS DEFINED BELOW) WITH ANY MEMBER OF FINRA, NOR A BROKER-DEALER REGISTERED WITH THE SEC UNDER THE EXCHANGE ACT OF 1934 (“EXCHANGE ACT”) OR ENGAGED IN A BUSINESS THAT WOULD REQUIRE IT TO BE SO REGISTERED, NOR IS IT AN AFFILIATE OF A BROKER-DEALER OR ANY PERSON ENGAGED IN A BUSINESS THAT WOULD REQUIRE IT TO BE REGISTERED AS A BROKER-DEALER. “AFFILIATE” MEANS, WITH RESPECT TO ANY SPECIFIED PERSON: (I) IF SUCH PERSON IS AN INDIVIDUAL, THE SPOUSE OF THAT PERSON AND, IF DECEASED OR DISABLED, HIS HEIRS, EXECUTORS, OR LEGAL REPRESENTATIVES, IF APPLICABLE, OR ANY TRUSTS FOR THE BENEFIT OF SUCH INDIVIDUAL OR SUCH INDIVIDUAL’S SPOUSE AND/OR LINEAL DESCENDANTS, OR (II) OTHERWISE, ANOTHER PERSON THAT DIRECTLY, OR INDIRECTLY THROUGH ONE OR MORE INTERMEDIARIES, CONTROLS, IS CONTROLLED BY, OR IS UNDER COMMON CONTROL WITH, THE PERSON SPECIFIED. AS USED IN THIS DEFINITION, “CONTROL” SHALL MEAN THE POSSESSION, DIRECTLY OR INDIRECTLY, OF THE POWER TO CAUSE THE DIRECTION OF THE MANAGEMENT AND POLICIES OF A PERSON, WHETHER THROUGH THE OWNERSHIP OF VOTING SECURITIES OR BY CONTRACT OR OTHER WRITTEN INSTRUMENT. “PERSON” SHALL MEAN AN INDIVIDUAL, ENTITY, CORPORATION, PARTNERSHIP, ASSOCIATION, LIMITED LIABILITY COMPANY, LIMITED LIABILITY PARTNERSHIP, JOINT-STOCK COMPANY, TRUST OR UNINCORPORATED ORGANIZATION.

No Investment Advice.

The Services and all content or materials available therein, including, without limitation, the Outputs and any Submissions, are provided for informational and educational purposes only and are not intended to address certain unique facts or circumstances that may be applicable to you. You should not construe any content and materials available through the Services (including the Outputs and any Submissions) as legal, tax, investment, financial, or other advice. Your access to the Services does not create a fiduciary relationship between you and Monstro. You are solely responsible for evaluating the merits and risks associated with the use of any content and materials available through the Services.

Limitation of Liability.

MONSTRO AND ITS REPRESENTATIVES, PARTNERS, AGENTS, AND ANY OF ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, PARENT ENTITIES, SUBSIDIARIES, AFFILIATES, REPRESENTATIVES, AGENTS, AND LICENSORS (COLLECTIVELY, THE “ MONSTRO PARTIES ”) WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE, LOSS OF DATA, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATING IN ANY WAY TO THE SERVICES AND ALL CONTENT AND MATERIALS AVAILABLE THEREIN, INCLUDING, WITHOUT LIMITATION, THE OUTPUTS AND ANY SUBMISSIONS.

EXCEPT AS EXPRESSLY PROVIDED IN THE “DISPUTE RESOLUTION; ARBITRATION” SECTION, BELOW, OR AS REQUIRED BY APPLICABLE LAW (E.G., ANY NON-WAIVABLE RIGHTS OR REMEDIES), THE TOTAL LIABILITY OF THE MONSTRO PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF, OR ANY INABILITY TO USE ANY PORTION OF, THE SERVICES, OR OTHERWISE ARISING OUT OF OR RELATING TO THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED, IN THE AGGREGATE, ONE HUNDRED UNITED STATES DOLLARS ($100.00).

IF ANY OF THE FOREGOING LIMITATIONS ARE FOUND TO BE INVALID, THE MONSTRO PARTIES’ TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

Indemnification.

You will defend, indemnify, and hold harmless the Monstro Parties from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by the Monstro Parties in connection with any claim by a third party arising out of or in any way related to: (1) your use of our Services and any content or materials therein, including, without limitation, the Outputs and any Submissions; (2) your violation or alleged violation of the Agreement; (3) your violation or alleged violation of any applicable law; (4) your infringement or alleged infringement of any intellectual property or other right of any other person or entity; or (5) any dispute between you and a third party, including any of our Partners. You must not settle any such claim or matter without our prior written consent. The Monstro Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.

Dispute Resolution; Arbitration.

Generally.

You and Monstro agree that any claim or dispute arising out of or in connection with the Agreement will be resolved by mandatory, binding arbitration. You and us further agree that the Federal Arbitration Act (“ FAA ”) governs the interpretation and enforcement of this arbitration provision; the arbitrator shall apply New York law to all other matters. Unless otherwise addressed by the FAA or the AAA Rules (defined below), all issues arising out of or in connection with the arbitration itself are for the arbitrator to decide, including, without limitation, issues of procedure (including discovery), interpretation, applicability, enforceability, and the payment of any fees, costs, or expenses associated with arbitration. The arbitrator shall address all claims arising out of or in connection with any aspect of the Agreement, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of the Agreement.  The decision of the arbitrator shall be final and not appealable, and judgment on the arbitration award may be entered in any court of competent jurisdiction.

Arbitrator.

Any arbitration between you and Monstro will be conducted under the Consumer Arbitration Rules (“AAA Rules”) of the American Arbitration Association (“AAA”), as modified by the Agreement, and will be administered by the AAA.

Notice and Process.

A party who intends to seek arbitration must first send a written notice of the dispute to the other by certified mail (“Notice ”). Monstro’s address for Notice is: 759 Parkway St #201, Jupiter, FL 33477 . The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“ Demand ”). You and Monstro agree to use good faith efforts to resolve the claim directly, but if you and Monstro do not reach a resolution within thirty (30) days after the Notice is received, you or we may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or Monstro must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. The arbitration proceedings, including any exchanged materials, shall be confidential and you and Monstro agree to use reasonable efforts to efficiently resolve any disputes.

Venue.

Any arbitration hearing will take place at a location to be agreed upon in Palm Beach County, Florida.

Waiver of Jury Trial; No Class Actions.

YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THE AGREEMENT AND AGREEING TO ARBITRATION, YOU AND MONSTRO ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AGREE THAT YOU HAVE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS.

Modifications.

If Monstro makes any future change to this arbitration provision (other than a change to Monstro’s address for Notice), you may reject the change by sending us written notice within thirty (30) days of such change, in which case your Account will be immediately terminated but this arbitration provision, as in effect immediately prior to the amendments you reject, will survive.

Enforceability.

If any provision of this “Dispute Resolution; Arbitration” section is unlawful, void, or unenforceable for any reason, then that provision will be given effect to the greatest extent possible and the remaining provisions will remain in full force and effect.

Termination.

This Agreement shall remain in full force and effect until your Account is deactivated by you or by Monstro. The provisions set out in the “Dispute Resolution; Arbitration” section, above, shall survive termination.

App Store Requirements.

When you download the App, you may do so through a third party’s online application repository (the “App Store”). You acknowledge that this Agreement is between you and Monstro and not with the owner or operator of the App Store the (“App Store Owner”).

As between the App Store Owner and Monstro, Monstro is solely responsible for the App, the Services, and any content or materials available therein, including, without limitation, any Outputs or Submissions. You must have access to a wireless network in order to use the App and you agree to pay any fees associated with access to such network. You also agree to pay all fees (if any) charged by the App Store Owner in connection with your acquisition, download, installation, or use of the App. Your use of the App must comply with the App Store’s “Terms of Service” or equivalent terms. You acknowledge that the App Store Owner has no obligation whatsoever to furnish any maintenance and support services with respect to the App. In the event of any failure of the App to conform to any applicable warranty, you may notify the App Store Owner, and the App Store Owner will refund the purchase price for the App to you (if any) and, to the maximum extent permitted by applicable law, the App Store Owner will have no other warranty obligation whatsoever with respect to the App.

As between Monstro and the App Store Owner, any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty (if any) will be the sole responsibility of Monstro. You and Monstro acknowledge that, as between Monstro and the App Store Owner, the App Store Owner is not responsible for addressing any claims you have or any claims of any third party relating to the App or your possession and use of the App, including, without limitation, (1) product liability claims; (2) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation. You and Monstro acknowledge that, in the event of any third-party claim that the App or your possession and use thereof infringes such third party’s intellectual property rights, as between Monstro and the App Store Owner, Monstro will bear soley responsibility for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim to the extent required by this Agreement. You and Monstro acknowledge and agree that the App Store Owner, and the App Store Owner’s subsidiaries, are third-party beneficiaries of this Agreement as related to your license of the App, and that, upon your acceptance of this Agreement, the App Store Owner will have the right to enforce the terms of this Agreement against you to the extent related to your license of the App.

You represent and warrant that (1) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (2) you are not listed on any U.S. Government list of prohibited or restricted parties. Without limiting any other terms in this Agreement, you must comply with all applicable third-party terms of agreement when using the App.

Miscellaneous.

Severability.

If any provision of the Agreement is unlawful, void, or unenforceable for any reason, then that provision will be given effect to the greatest extent possible and the remaining provisions will remain in full force and effect. Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.

Assignment.

We may assign the Agreement to any party at any time without notice to you. You may not assign your rights under the Agreement, by operation of law or otherwise, without our consent.

Waiver.

Our failure to enforce any of our rights or act with respect to a breach by you or others of the Agreement does not constitute a waiver of any rights and will not limit our rights with respect to that breach or any subsequent breaches. No waiver by us of any of the provisions in the Agreement will be of any force or effect unless made in writing and signed by a duly authorized officer of Monstro.

Modification; Further Amendment.

We may modify the Agreement at any time. We will post modifications to these Terms on this page. If a change materially modifies your rights or obligations, you may need to accept the modified terms to continue to use our Services. Material modifications will take effect when you accept the modified terms; immaterial modifications will take effect when published. By continuing to use our Services following any modification to the Agreement, you are agreeing to the Agreement as modified.

Entire Agreement.

The terms of the Agreement constitute the entire and exclusive agreement between Monstro and you in connection with your use of the App, our Site, the Services, and any content or material contained therein, including, without limitation, the Outputs and any Submissions.

Governing Law.

The Agreement is governed by the laws of the State of New York, excluding conflicts of law provisions.