TERMS OF USE

1. Definitions

   The following terms shall bear the meanings ascribed to them below:
   1. Account means an RLT holder’s account created on the Platform, providing an RLT holder with access to the Platform and the Services;
   2. Affiliate means in relation to a person, any person which, directly or indirectly, is controlled by that person or controls that person;
   3. AML means anti-money laundering;
   4. Authorized Representative means a natural person that has been duly authorized by an Entity to act on its behalf;
   5. Blockchain means a system in which a record of transactions made in digital assets are maintained across several computers that are linked in a peer-to-peer network;
   6. Eligible RLT Holder means the holder of an RLT that has complied with:
      1. the KYC Policy;
      2. the staking requirements published by Reality Holdings from time to time;
      3. any other requirements published by Reality Holdings from time to time, and is not an Excluded RLT Holder;
   7. Eligible RLT means an RLT held by an Eligible RLT Holder;
   8. Entity means, collectively, or separately and individually as the context may require, a corporation, unincorporated association, a company, a partnership, fiduciary, sole proprietorship or other legally recognized entity or group;
   9. Excluded RLT Holder means a holder of an RLT that has failed to comply with:
      1. the KYC Policy;
      2. the staking requirements published by Reality Holdings from time to time; or
      3. any other requirements published by Reality Holdings from time to time;
   10. Group means, collectively, Reality Holdings and Reality Investments, and any of their Affiliates;
   11. KYC means 'know-your-customer';
   12. KYC Policy means the KYC policy of the Group;
   13. Platform means the Reality platform, which includes the Reality website (www.realitycompany.tech) and mobile application;
   14. Prohibited Countries means, collectively:
       1. the following countries: Egypt, Iraq, Qatar, Oman, Morocco, Algeria, Tunisia, Bangladesh, North Korea, Iran, Sudan, South Sudan, Syria, Cuba, China and Russia;
       2. any other country against which the United States, the United Kingdom or the European imposes financial sanctions or embargoes; and
       3. any country identified by Reality Holdings from time to time;
   15. Reality Holdings means Reality Holdings Limited, a private company duly incorporated in accordance with the laws of the Isle of Man;
   16. Reality Investments means Reality Investment Holdings Limited, a private company duly incorporated in accordance with the laws of the Isle of Man;
   17. RLTA means the Reality Coin (Alpha) digital token issued on a Blockchain by Reality Holdings, and RLTAs shall be construed accordingly;
   18. RLTI means the Reality Coin (Infinity) digital token issued on a Blockchain by Reality Holdings, and RLTIs shall be construed accordingly;
   19. RLTs means, collectively, the RLTA and RLTI digital tokens issued on a Blockchain by Reality Holdings, otherwise collectively known as 'Reality Coins' and RLT shall be construed accordingly;
   20. Services means any services of whatsoever nature provided by any member of the Group to any holder of an RLT or any other person;
   21. Virtual Wallet means an on-Blockchain virtual address in which RLTs and other digital assets can be held and transferred;
   22. Terms means these terms of use;
   23. Third Party Services means any services provided by a third party to an Eligible RLT Holder via or in connection with the Platform, the holding of RLTs or in exchange for any RLTs;
   24. We means, collectively, the Group and its Affiliates, and our, us, or Reality shall be construed accordingly;
   25. Whitepaper means the Reality Whitepaper published on the Platform on 29 March 2022, as may be updated from time to time.

2. Introduction

   1. These Terms apply to RLTs, the holders of RLTs, the purchase of RLTs, the exchange of RLTs for Services, Third Party Services and the use of the Platform.
   2. These Terms govern each RLT holder's access to and use of our Services and the Platform.
   3. Any Services provided by us are provided: (i) solely to Eligible RLT Holders; and (ii) subject to your consent to and compliance with these Terms.
   4. By accessing the Platform and or utilizing any of our Services, you agree to be bound by these Terms.
   5. By accepting these Terms you agree and acknowledge that your access to the Platform and any Services is subject to any applicable laws.

3. Eligibility

   1. To access and use the Platform or the Services, you must first create an Account on the Platform.
   2. To be eligible to access and use the Platform and the Services, you must:
      1. be eighteen years of age or older;
      2. have the ability to enter into and be bound by these Terms;
      3. comply with these Terms and any other requirements and policies of the Group (including in relation to the KYC Policy) and;
      4. register for a valid Account on the Platform.
   3. Please note that we are not obliged to accept any application from an applicant and maintain the sole and absolute discretion to accept or reject applications to create Accounts.
   4. In certain jurisdictions, applicable laws and regulations prohibit us from providing access to and use of the Platform and the Services. As such, access to and use of the Platform and the Services is not available where prohibited by law or by the Group's policies. As at 29 March 2022, this includes in any Prohibited Countries.
   5. Due to changing regulatory requirements and interpretations, we reserve the right to:
      1. revise the list of Prohibited Countries;
      2. reject applications to open Accounts, purchase RLTs or exchange RLTs for any Services; and
      3. refuse access to and use of the Platform and the Services; and
      4. close or freeze any Accounts.
   6. Under applicable AML rules, we are obligated to maintain specific information about you, including your records and transaction history, for five years or a longer period as may be required under applicable laws. Please note that in certain circumstances, we may be required to report to the competent authorities any unusual transactions, or of any suspicion we may have that an RLT holder might be involved in any financial crime of illicit activities.

4. Your Reality Account

   1. Your Account allows you to:
      1. view the balance of your RLTs;
      2. have access to the Platform and the Services;
      3. conduct certain transactions via the Platform;
      4. after its establishment, access the Reality Block Exchange; and
      5. purchase RLTIs and other Services in future.
   2. We strongly suggest that you take steps to protect your Account. For instance, by:
      1. never re-using passwords across sites and services;
      2. refreshing your password frequently;
      3. never sharing your password with third parties;
      4. never providing anyone else with access to your Account; and
      5. never clicking on links from unknown emails or messages.
   3. Please note that you are solely responsible for:
      1. the activities conducted on your Account;
      2. ensuring that your Account, Account IDs, passwords or any other codes that you use to access your Account, the Platform and the Services are secured.
   4. We are not responsible for any loss of your access to the Platform or any information, or for any loss that you may sustain due to compromise of your access to the Platform or the information.
   5. We will not be liable for following any instruction we receive through your Account, even if it was not authorized by you, or if it was entered by mistake or is otherwise inaccurate. To verify the authenticity of any instruction we receive through your Account, we may require your signature or identification in any form we deem necessary, at our sole discretion, and we may accept digital images and electronic signatures for documents that need to be signed. You agree to reimburse us (and we may charge you or deduct from the balance of your Account) for all claims, costs, losses and damages, including reasonable attorneys' fees, that result from our following of your instructions to take any action related to your Account.
   6. Please note that your Account is not a deposit or checking account, and we do not hold any digital assets or RLTs on your behalf. Your Account is also not insured against any losses.
   7. We may freeze, suspend or terminate your Account at any time in our sole discretion, in addition to taking any action and seeking any remedy we may be entitled to in law or in equity, in any event it may have any suspicion of your involvement in any fraudulent activity of any kind, misuse of the Platform or the Services, inaccurate or misleading information provided by you, or any money laundering or other financial crime related to you or your Account.
   8. For any Account, we may follow any instructions regarding your Account provided that we reasonably believe such instructions are authorized by the Account holder, and we will not be held liable for following any instructions provided by an Eligible RLT Holder.

5. Reality Account Types

   1. Please note that:
      1. we are required to comply with applicable AML and KYC requirements before and after you register for an Account; and
      2. the creation of an Account is subject to applicable AML and KYC requirements.

   Individual Account

   2. Your Account is owned by only one natural person who is and will continue to be the only person authorized to take any action in the Account. By opening an Individual Account, you represent and warrant that you are and shall at all times continue to be the sole beneficial owner of the Account and user of the Platform and all Services facilitated or generated therefrom.
   3. When you register for an Individual Account, we will ask for documentation and information, including copies of your government-issued identification document. We may also gather and use information about you from third parties to:
      1. help us confirm your identity;
      2. perform AML and KYC checks; and/or
      3. determine your access to and use of the Platform and the Services.

   Corporate Account

   4. This Account is owned by an Entity holding an Account in any capacity other than an individual capacity. An Entity can apply to open an Account through an Authorized Representative.
   5. Such Authorized Representative represents and agrees, on behalf of the Entity, as well as on their own behalf, that they:
      1. are fully authorized to execute all documents or otherwise complete our requirements in their stated capacity;
      2. have provided us all documents or other information necessary to demonstrate that authority; and
      3. will provide other documents and complete other requirements as we may request from time to time. We may refuse to recognize any such authorization if, in our reasonable judgment, it appears to be incomplete or improperly executed.
   6. By opening a Corporate Account, the Authorized Representative represents and warrants on behalf of the Entity that the Entity is and shall at all times continue to be the sole beneficial owner of the Account and user of the Platform and all Services facilitated or generated therefrom and that the ultimate beneficial owners of all assets and assets belonging to the Entity are as represented during the establishment of the Corporate Account. The Entity registered as the holder of a Corporate Account, the ultimate beneficial owner(s) of such Entity and any Authorized Representative(s) shall each be responsible for updating us immediately of any change in the details of the Entity, ultimate beneficial owner(s) and/or Authorized Representative(s), including any appointment or termination of the same, change of control in the Entity or change in the registration details of the Entity, and such persons shall be jointly and severally liable to us for any breach of these Terms in connection with the Corporate Account.
   7. When creating a Corporate Account, we may require additional identification information regarding the directors, officers, Authorized Representatives, equity owners and registered address of the business.
   8. We may also gather and use information about you from third parties to:
      1. help us confirm your identity;
      2. perform AML and KYC checks; and/or
      3. determine your access to and use of the Platform and the Services.

   Account Warranty

   9. By registering an Account, you undertake, represent and warrant at all times that any and all information provided by you is true, accurate, complete and not misleading in any respect. If any such information changes, you undertake to provide the new information to us as soon as possible after such change.

6. Account Balance

   1. Your Account balance visible through the Platform shall indicate the amount of RLTs owned by you.
   2. It is your sole responsibility to make sure that any RLT you wish to transfer on the Reality Blockchain is directed to the correct Virtual Wallet Address as provided to you by any third party.
   3. If you do not carefully follow these instructions, your RLTs may be irrevocably lost, and we may not be able to assist you in retrieving them. We will not be liable to you for any such loss.

7. Ownership of RLTs

   1. You hereby represent and warrant to us that any RLT exchanged by you for the purpose of utilizing the Platform and the Services is owned by you or that you are fully permitted to carry out transactions using such RLTs without restriction or limitation, and that your use of the Platform and the Services is solely for your own account and benefit, and not on behalf of any other person or entity. You further represent and warrant that all such RLTs are free from any claims, indebtedness, liens, or third-party interests.
   2. Under no circumstances do we hold any RLTs on behalf of third parties.

8. Disclosure

   1. Before applying for an Account, using the Platform or the Services, or purchasing an RLT, we strongly recommend that you:
      1. obtain independent legal, financial, tax, exchange control and other professional and technical advice; and
      2. read the White Paper, which lists several key risks relating to the Group and RLTs, to ensure that you fully understand and can afford to undertake the risks involved.
   2. It is important to note that there can be significant risks associated with digital assets and you are solely responsible to make sure that you understand these risks. Before making a decision on whether to use the platform, you should make a very careful assessment of your financial position.
   3. These Terms and your use of the Platform and any of our Services do not create a fiduciary relationship between us and you.
   4. Please note that RLTs are not legal tender. Any RLTs reflected in your Account are not held by any member of the Group and are not insured by any private or governmental insurance plan or any other insurance plan. Further, your RLTs are not covered by any compensation scheme. We also do not guarantee that any third party will accept RLTs as a medium of exchange.
   5. Your Account and the purchase of any RLTAs does not constitute an investment contract or a security.
   6. Given that the purchase of any RLTIs may constitute an investment contract or a security, the Group may need to obtain several regulatory approvals and licenses prior to issuing any RLTI.
   7. Before utilizing the Platform or using any of the Services you should ensure that you understand and have made an independent assessment of the nature and extent of your exposure to risk of loss in light of your own objectives, financial and operational resources and other relevant circumstances.
   8. Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the use, transfer, exchange, and value of RLTs. Transactions in RLTs may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable.
   9. The value of RLTs may be derived from the continued willingness of market participants to exchange RLTs for Third Party Services, fiat currencies or other digital assets. If such willingness is abolished for any reason, this may result in the potential for a permanent and total loss of value of RLTs.
   10. The volatility and unpredictability of the price of RLTs may result in significant loss over a short period of time. The nature of RLTs and digital assets generally may lead to an increased risk of fraud or cyber-attack, including rollback attacks or Blockchain reorganizations. The nature of RLTs and digital assets means that any technological difficulties experienced by us or third parties may limit, delay or prevent the access or use of RLTs and/or cause losses of RLTs. Although Reality Holdings takes precautionary measures to protect against cyber threats, circumstances may arise where losses or damages are incurred.
   11. In light of these risks, which are only some of the risks involved in using the Platform, the Services and holding or trading in RLTs, and do not constitute an exhaustive list of such risks, you should carefully consider whether holding or trading RLTs in general and/or using our Platform or Services is suitable for you in light of your financial condition.
   12. Reality Holdings and our third-party service providers and partners may experience cyber-attacks, extreme market conditions, or other operational or technical difficulties which could result in difficulties and downtime on the Platform. Provided that Reality Holdings has taken reasonable commercial and operational measures to prevent such events in technical systems controlled by Reality Holdings, we are not and will not be responsible or liable for any loss or damage of any sort incurred by you as a result of such cyber-attacks, operational or technical difficulties. Our policies and procedures may require additional security and/or compliance checks that require additional time to complete.

9. Blockchain

   1. Our Blockchain(s) may undergo software updates from time to time, which will result in a permanent divergence in the Blockchain (a Hard Fork). As a result the Blockchain will split into two separate and distinct Blockchains, and any RLTs on that original Blockchain may entitle its holders to a new type of digital asset.
   2. All determinations regarding Hard Forks will be made by Reality Holdings in its sole and absolute discretion and in accordance with applicable law.

10. Taxes

    It is soley your responsibility to determine what, if any, taxes apply to your use of the Platform, the Services and / or the sale of purchase of your RLTs, and to collect, report, and remit the correct tax to the appropriate tax authority. We may deduct or make any tax withholdings or filings that we are required by law to make, but we are not responsible for determining whether and which taxes apply to your transaction, or for collecting, reporting, or remitting any taxes arising from any transaction or in connection with your Account or RLTs. You are responsible for complying with applicable law. You agree that we are not responsible for determining whether or which laws may apply to your transactions, including tax law. You are solely responsible for reporting and paying any taxes arising from your use of the Platform, the Services and / or the sale or purchase of your RLTs.

11. Conversion Rates

    Any conversion between an RLT and another digital asset or fiat currency shall be made by us in accordance with the rates and prices applicable at the actual time of conversion. Applicable rates are indexed to those used by industry-leading platforms, as we may choose to use from time to time, in our sole discretion. We may change these rates at any time and without giving notice or updating these Terms, and you shall not have any claims regarding our choice of rate sources or rates used by us or made available by any third party.

12. Closing your Account

    Our right to freeze or suspend your Account
    1. We have the right to suspend, freeze or close your Account at any time for any reason without advance notice, including by blocking your access to the Account, the Platform or the Services. Accounts are not transferable or assignable in whole or in part.
    Your right to freeze or suspend your Account
    2. If you want to terminate your Account, you may do so by notifying us at support@realitycompany.tech. Once your Account is closed, you agree:
       1. to continue to be bound by these Terms;
       2. to immediately stop using the Platform and the Services;
       3. that we reserve the right (but have no obligation) to delete all of your information and Account data stored on our servers, and
       4. that we shall not be liable to you or any third party for termination of access to the Platform or the Services or for deletion of your information or Account data. You acknowledge that any legal obligations you may have under any other agreement with us or our Affiliates will not be affected in any way by the termination of these Terms and any such other agreement between you and us will continue to be in effect in accordance with its terms.

13. Liability for Unauthorized Transfers from Your Account

    If you believe that your Account has been used by an unauthorized party, or if your Account reflects activity or transactions that you did not conduct or authorize, you must notify us immediately via email to security@realitycompany.tech. YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING THE SECURITY AND CONFIDENTIALITY OF YOUR LOGIN DATA, AND YOU ACCEPT ALL RISKS OF UNAUTHORIZED ACCESS AND USE OF YOUR ACCOUNT.

14. Disclosure of Account Information

    We may disclose information to third parties about you, your Account, or the transactions you make:
    1. where it is necessary for the provision of our Services under these Terms;
    2. in order to verify the existence and condition of your Account for a third party, such as a referral partner;
    3. for the purpose of conducting our AML and KYC checks and compliance with applicable laws;
    4. if you give us written authorization;
    5. in order to comply with any request or order by any government agency or competent court; or
    6. as described in our Privacy Policy.

15. Conflict/Disputes Involving Your Account

    1. We are not liable to you for errors that may result in a financial loss to you. We may take any action that is authorized or permitted by these Terms or applicable laws without liability to you, even if such action causes you to incur fees, expenses or damages. If third parties make claims on your Account, or if we receive conflicting instructions from you, or if we become involved in or concerned about a dispute between you and any third party, we reserve the right to react in ways that we believe in good faith to be appropriate, including by closing, suspending or freezing your Account. You are liable for all expenses and fees we incur for such conflicts or disputes, including internal costs and attorneys' fees.
    2. We are not responsible for delays or losses incurred as a result of an error in the initiation of any transaction and have no obligation to assist in the remediation of such transactions. By initiating any transfer or using the Platform or the Services in any way, you attest that you are transacting in RLTs which conform to the particular Virtual Wallet into which assets are directed. We incur no obligation whatsoever with regard to RLTs sent to an incompatible Virtual Wallet Address. Erroneously transmitted RLTs will be lost. We recommend users request a transfer of a small amount of RLTs as a test prior to initiating a transfer of a significant amount of RLTs.
    3. We reserve the right to limit access to your Account and the Platform, which can include temporarily or permanently removing your Account access via the internet, and/or restricting your Account, and/or closing your Account without prior notice to you (unless prior notice is required by law), and we shall have no liability for such actions. In addition, we reserve the right to withhold or delay the transmission of assets to you if you fail to comply with these Terms. Our total aggregate liability to you for any claim is limited to the face value of the applicable item or transaction, or the actual value of any assets not properly credited or debited by us.

16. Legal Process Affecting Account

    If any legal action, such as an attachment, garnishment, levy, seizure, third party claim or enforcement action by any competent authority in any jurisdiction (Legal Process) is brought against or in connection with your Account, we may refuse to permit (or may limit) purchases from your Account until the Legal Process is satisfied or dismissed. We will not contest any Legal Process on your behalf, and we may take actions to comply with Legal Process without liability to you, if we reasonably believe any such action is appropriate under the circumstances. If we incur any expenses in connection with any Legal Process, including without limitation reasonable attorneys' fees, we may bill you directly for such expenses and fees.

17. Indemnification and Limitation of Liability; Legal Fees and Costs for Lawsuits

    1. You agree to indemnify and hold harmless Reality Holdings and its Affiliates, and their respective employees, managers, officers, directors, partners and shareholders from any losses, damages, suits and expenses, of whatever kind, including reasonable legal fees, that we incur in connection with or arising out of your access to or use of the Platform or the Services, or our activities in connection with such Platform (including the purchase of RLTs) or Services, and for your breach of these Terms or violation of any law, regulation, order or other legal mandate, or the rights of a third party, or any act or omission by you or any person acting on your behalf while using your Account, regardless of whether the specific use was expressly authorized by you. You agree to comply with all applicable laws, regulations, or rules, and to not use your Account, the Platform or the Services for any transaction or activity that is illegal or violates applicable laws, regulations or rules. Please note, your agreement to comply includes any and all applicable laws and regulations of the United States, as well as of your place of residency, citizenship, business, locality and any law applicable to you.
    2. We are not liable to you for claims, costs, losses or damages caused by an event that is beyond our reasonable control (e.g. the acts or omissions of third parties, natural disaster, emergency conditions, government action, equipment or communications malfunction). We are not liable for special, incidental, exemplary, punitive or consequential losses or damages of any kind. Any obligations of ours may be satisfied solely from the assets of Reality Holdings. Without limiting the generality of the foregoing, in no event shall you have any recourse, whether by setoff or otherwise, with respect to our obligations, to or against any assets of any person or entity other than Reality Holdings, including, without limitation, any member, shareholder, Affiliate, investor, employee, officer, director, agent or advisor of the Group.

18. Disclaimer of Warranty

    1. Access to the Platform and the Services is provided on an “as is” and “as available” basis without any warranty under these terms. Subject to applicable laws, all express or implied conditions, representations, and warranties including, without limitation, any implied warranties or conditions of merchantability, fitness for a particular purpose, satisfactory quality, or arising from a course of dealing, usage, or trade practice, or warranty of non-infringement are disclaimed. In no event shall any member of the Group, its service providers, or any of their respective officers, directors, agents joint venturers, employees or representatives, be liable for any lost profits, diminution in value or business opportunity, any loss, damage, corruption or breach of data or any other intangible property or any special, incidental, indirect, intangible, or consequential damages, whether based in contract, tort, negligence, strict liability, or otherwise, arising out of or in connection with authorized or unauthorized use of your Account, the Platform or the Services, or these Terms, even if an authorized representative of the Group has been advised of or knew or should have known of the possibility of such damages.
    2. No member of the Group makes any representations about the accuracy, order, timeliness or completeness of historical or current RLTs price data.
    3. Reality Holdings will use reasonable endeavors to ensure that requests for purchases of RLTs are processed in a timely manner but makes no representations or warranties regarding the amount of time needed to complete processing, and shall not be liable for any losses or damages which you may incur as a result of any delay in accessing the Platform or the provision of the Services.

19. Disputes and Binding Individual Arbitration

    Subject to applicable laws, any dispute arising from or in connection with these Terms, the Platform and / or the Services, shall, if so required by any party by giving written notice to that effect to the other, be resolved in Douglas, the Isle of Man, in accordance with the Arbitration Act 1976.

20. Our Ownership of the Platform, the Services and any Intellectual Property

    You agree and acknowledge that we own all right, title and interest to and in the Platform, the Services, the associated software, technology tools and content, any logos, identifying marks, images, illustrations, designs, icons, photographs, videos, text and other written and multimedia materials, the content displayed on Platform, and other materials produced by and related to the Group (collectively, the “IP”). You acknowledge and agree that no proprietary rights are being transferred to you in such materials or information, and that you have no intention of using such materials or information inappropriately or to in any way harm any member of the Group, its directors, officers or employees. You shall not prepare any derivative work based on the IP, nor shall you translate, reverse engineer, decompile or disassemble the IP.

21. Communications

    We may record and monitor our telephone conversations with you and your electronic communications with us (chat, email, and other forms of electronic exchange). Unless the law requires otherwise, you consent in advance to such recording and monitoring and we do not need to remind you of these activities. You must promptly notify us of any change in your contact information, including residential post and email address. Failure to notify us in a timely fashion may result in delay or non-receipt of notices or correspondence.

22. Waiver

    We may delay the exercise of any rights we have under these Terms, and any such delay shall not result in a waiver, relinquishment or modification of any of our rights. If we delay in any exercise of our rights, or if notwithstanding the foregoing we are somehow deemed to have waived any of our rights, you are still obligated to pay us. Any delay or waiver of our rights applies only to the specific instance in which we decide to delay or waive the provision and does not affect our other or subsequent rights in any way.

23. Changes in Terms

    Please be aware that the terms and conditions governing the Platform and the Services are subject to being amended from time to time . We reserve the right to discontinue or make changes to any of the Services. We may change these Terms, and we may add to or delete from these Terms, and the updated version will supersede all prior versions. We will provide notice of changes, additions, and deletions, as required by law. If we have provided advance notice and you do not agree with a change, you may close your Account(s). The continued maintenance of your Account following the effective date of any change will constitute your acceptance of such change and subject your Account to the modified Terms.

24. Assignment

    These Terms, or any of the rights and/or obligations provided hereunder, may not be assigned or otherwise transferred by you to any other person or Entity, whether by operation of law or otherwise, without our express written consent, and any attempted assignment in violation of this prohibition shall be void ab initio and of no effect. Reality Holdings may assign or transfer these Terms and/or any or all of its rights and/or obligations hereunder at any time to any Affiliate of the Group, with or without providing you with prior notice of the same. Reality Holdings may assign or transfer these Terms and/or any or all of its rights and/or obligations hereunder at any time to any third party by providing prior notice. Any permitted assignment or transfer of or under these Terms shall be binding upon, and inure to the benefit of the successors, executors, heirs, representatives, administrators and permitted assigns of the parties hereto.

25. Governing Law and Venue

    The relationship between you and Reality Holdings is governed exclusively by the laws of the Isle of Man. Any dispute arising out of, or related to, your Account or relationship with Reality Holdings must be brought exclusively in the competent courts located in the Isle of Man; however, Reality Holdings may bring equitable relief or collections actions in any applicable jurisdiction.

26. Force Majeure

    We will not be liable for delays in processing or other non-performance caused by such events as fires, telecommunications, utility, or power failures, equipment failures, labor strife, riots, war, nonperformance of our vendors or suppliers, acts of God, pandemic or epidemic events, or other causes over which we have no reasonable control.