GANGSTA TERMS

Posted: May  12, 2022
Effective: May 12, 2022
Last Updated: April 11, 2022

This page explains our terms for Gangsta Pay App. By using the service you agree to these terms. If you use the service on behalf of your company, your company agrees to them too.

These Gangsta Pay App Terms of Service (the “Gangsta Pay App Terms”) are a legal agreement between you, as a current or prospective user of the Services, and  HALFCASH SOLUTION INC.. (formerly known as “Gangsta Pay.”) (hereafter, “Gangsta Pay,” “we,” “our” or us”), and governs your use of Gangsta Pay App, a financial platform, which includes mobile applications, websites, software, cloud-based solutions, digital cash bills, and other products and services (the “Service”), offered by HALFCASH SOLUTION INC. If you are using the Service on behalf of a business or entity, you acknowledge and agree that you have authority to bind such business or entity and that such business or entity accepts these terms. By using the Service you agree to be bound by these Gangsta Pay App Terms and any policies referenced within (“Policies”), including our Privacy Notice (see Section V.5).

Please note that you should review all Gangsta Pay Terms carefully, including those provisions which limit our liability (see Section XI.16) and those regarding individual arbitration for potential legal disputes (see Sections XI.18 and XI.19).

TABLE OF CONTENTS

1. Gangsta Pay Stored       Balance Disclosures
2. Gangsta Pay Revisions, Disclosures, and Notices
3. Gangsta Pay Account
4. Gangsta Pay Communications and Devices
5. Gangsta Pay Data and Service Usage and Ownership
6. Gangsta Pay Balance
7. Gangsta Pay Peer-to-Peer Service
8. Gangsta Pay Mobile QR Code Cash Bills
9. Gangsta Pay Digital Currency Services
10. Gangsta PayCash for Business
11. Gangsta Pay Transaction Information and Disputes
12. Gangsta Pay Other Legal Terms
13. Gangsta Pay Mobile Check Capture

1. Stored Balance Disclosures

List of All Fees for Gangsta Pay App
Stored Balance All Fees Amount Get Started
Account setup $0 Monthly Usage Monthly fee $0
Add Money Direct Deposit $0 Receive money $0
Add Cash – External Account $0

Receiving a merchant refund         $0
Spend Money
Sending money using your cash balance or debit card    $0
Get Cash
Cash Out (standard)
No fee to transfer money from your Gangsta Pay account to a linked account with the standard option. The money is typically available in 1-3 business days.

$0
Instant Deposit
Fee for expedited transfer from your Gangsta Pay account to a linked account. Funds are typically available within minutes. The applicable fee amount is disclosed at the time of the transaction.

$2
InformationCustomer service (in-app)             $0
Customer service (email)                                   $0
Customer service (phone)                                  $0
Other
Inactivity             $0

We currently do not offer overdraft or credit features.

Stored balances of Cash Bills customers are eligible for FDIC insurance through our partner bank. These funds are insured up to $250,000 by the FDIC if our partner bank that holds your funds fails and specific deposit insurance requirements are met. If you do not have a Cash Bills, your stored balance is not protected by FDIC deposit insurance at this time.

Contact Gangsta Pay at 1-646-335-7923, by mail at HALFCASH SOLUTION INC 2067 Valentine Ave Bronx New York 10457II. Revisions, Disclosures and Notices
We can make updates to the Terms at any time, and we’ll notify you of these updates as appropriate. By continuing to use our services after these updates, you agree to the revised terms.

You also agree to receive notices from us electronically.

We may amend the Terms at any time with notice that we deem to be reasonable under the circumstances, by posting the revised version on our website or communicating it to you through the Services (each a “Revised Version”). Your continued use of the Services after the posting of a Revised Version constitutes your acceptance of such Revised Version. Any Dispute (as defined in Section XI.18) that arose before the changes will be governed by the Gangsta Pay Terms in place when the Dispute arose.

You agree to Gangsta Pay E-Sign Consent. We may provide disclosures and notices required by law and other information about your Account (defined below) to you electronically, by posting it on our website, pushing notifications through the Services, or by emailing it to the email address listed in your Account. Electronic disclosures and notices have the same meaning and effect as if we had provided you with paper copies. Such disclosures and notices are considered received by you within twenty-four (24) hours of the time posted to our website, or within twenty-four (24) hours of the time pushed or emailed to you. If you wish to withdraw your consent to receiving electronic communications, contact Gangsta Pay Support. If we are not able to support your request, you may need to terminate your Account.

III. Gangsta Pay Account
1. Eligibility and Account Registration
Using Gangsta Pay requires that you open an account. You need to be a U.S. resident and at least 18 years old. If you want to use your account balance to send money to another Gangsta Pay customer, then you’ll need to give us some more information about you that we will use to verify your identity. 

This is also the part where you tell us you own the email or phone number you registered with and that the personal information you provide to us is correct. You agree to cooperate with us so that we can verify your identity. We might use third parties to help us do so. 

You must be a resident of the United States, at least 18 years and the age of majority in your State of residence, and you must register for an account (your “Account”) to use the Service. Certain features of the Service may only be available for use in the United States. Some features, such as the ability to send money to another Gangsta Pay customer with the balance in your Account, may be available only if you provide us with certain information about you and we are able to verify your identity.

A. Registering, Opening, Using, or Upgrading an Account

To register, open, use, or upgrade an Account, HALFCASH SOLUTION INC. may require that you submit certain information, including but not limited to your name, email address, text-enabled mobile phone number, street address, zip code, date of birth, social security number, and a government issued form of identification to HALFCASH SOLUTION INC. You represent and warrant that you own the email or mobile phone number you register with and all information entered or collected in the course of creating your Account and any information you subsequently add or update from your settings (“Account Information”) is true and accurate, and you agree to keep your Account Information current. All Account Information is subject to the Gangsta Pay Copyright and Trademark Policy.

B. Restricted Accounts

When you first open your Account, it will be a “Restricted Account.” With a Restricted Account, you may link an external, U.S.-issued bank account (an “Eligible Bank Account” as defined below) to make a payment to another Gangsta Pay customer (including payments made to a Cash for Business Seller, defined below), and you may transfer funds from your Gangsta Pay Balance (defined below) to your Eligible Bank Account, but you will not be able to make a payment to another Gangsta Pay customer (including a Cash for Business Seller) using your Gangsta Pay Balance. If you have a Restricted Account and you attempt to make a payment to another Gangsta Pay customer from your Gangsta Pay Balance, then you will be given the option of upgrading your Account to an “Unrestricted Account.” To upgrade your Account, you will need to provide us with certain personal information so that we can verify your identity.

C. Validating and Authenticating Your Identity You hereby authorize HALFCASH SOLUTION INC., directly or through HALFCASH SOLUTION INC. use of third parties, to make any inquiries we consider necessary to validate your identity or authenticate your identity and Account Information and, for Cash for Business Accounts, your company or employer. This may include asking you for further information or documentation about your Account usage or identity, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources. After we verify your identity, your Account will convert from a Restricted Account to an Unrestricted Account.

In connection with your use of the Service, you may not refuse to (a) cooperate in an investigation concerning activity that potentially violates the law or the Terms, (b) provide confirmation of your identity, or (c) provide confirmation of any information you provide us. If you decline to provide us with the information that we request or if we cannot verify your identity to our satisfaction (in our sole judgment and discretion) for any reason, then your Account will remain a Restricted Account and you will not be able to use your Gangsta Pay Balance to make payments to other Gangsta Pay customers. In addition, we reserve the right to change the account type, suspend or terminate the Account of anyone who provides inaccurate, untrue, or incomplete information. 

The first time you access your Account using a new device we may require you to authenticate your Account with additional information. If your Account cannot be verified you may be required to set up a new Account.

2. Authorized Users
a. You may authorize Accounts for up to four (4) dependents who are 18 years of age or older (each, a “Dependent” and each such Account, a “Dependent Account”). Any minor Dependent who uses a Dependent Account must do so only with the consent of their parent or legal guardian, who must themselves be of majority age. You acknowledge that the Gangsta Pay Terms and Privacy Notice will apply to you with respect to each Dependent Account and to each authorized Dependent, and you hereby expressly accept these Gangsta Pay Terms and Privacy Notice on behalf of each authorized Dependent and Dependent Account. You further agree to and accept full responsibility and liability for any Dependent’s use of a Dependent Account, including but not limited to (a) any transactions made by the Dependent Account; (b) any transaction made by others if an authorized Dependent allows them to use such Dependent Account; (c) fees and charges resulting from any transaction made by a Dependent or others if a Dependent allows them to use such Dependent Account; and (d) any other financial charges and legal liability that a Dependent may incur in connection with their use of a Dependent Account. You allow us to discuss the Dependent Account with an authorized Dependent. By authorizing a Dependent Account, you represent that you have permission to allow us to use and share information about the Dependent as described in the Privacy Notice and as allowed by applicable law. This includes information we may get from you, any authorized Dependent, and information about their transactions and use of a Dependent Account.

You may withdraw your authorization at any time by contacting Gangsta Pay Support through the app or by calling 1-646-335-7923. If your Account is suspended or terminated, your authorization for any Dependent Accounts will be automatically withdrawn.

b. Feature Access. Dependent Accounts will have access to certain Gangsta Pay features, such as Peer-to-Peer Transactions and the Mobile QR Code CASH BILLS. Dependent Accounts may not have access to all Gangsta Pay features, or access to such features may be limited.

When you authorize a Dependent Account, you also authorize that Dependent to “Add Cash” to the Dependent Account as outlined in Section VI.2 (Funding Your Gangsta Pay Balance.) To the extent an “Add Cash” method is offered through a third party, you agree to and accept full responsibility for any Dependent’s use of such service for the Dependent Account.

c. Limits for Authorized Dependents. Authorized Dependents will be subject to the following limitations for Peer-to-Peer Transactions:

Per-Transaction Limit. The maximum amount that can be sent or received is $1,000 per transaction.Thirty-Day Limit. The maximum amount that can be sent or received in a thirty (30) day period is $1,000.We reserve the right to restrict spending from authorized Accounts at specific merchants or industries at our sole discretion.

d. Account Graduation. You agree that any Dependent you authorize to use a Dependent Account who is of majority age may initiate a request to become the sole owner of the Dependent Account by providing the information described in the Validating and Authenticating Your Identity section above. Once we verify their identity, a previously authorized Dependent will become the sole owner of the Dependent Account, including the sole owner of any funds or other assets held in the Dependent Account, and any associated Cash Bills.

3. Membership Name
You may choose your username for Gangsta Pay, which will be your “Name.” If you choose a Name that is confusing or deceptive, we may change it.

You may select a unique alpha-numeric name to identify yourself on the Service (a “Name”). You may not select a Name that misleads or deceives others as to your business or personal identity or creates an undue risk of chargebacks or mistaken payments, in our sole discretion. We may require you to change your Name or details of your Account Information at our sole discretion, and we may deactivate your account, or reclaim or make unavailable your Name, without liability to you.

4. Gangsta Pay Fees
The fees for using Gangsta Pay are found in the "Stored Balance Disclosures" Section of these Gangsta Pay Terms. We reserve the right to charge for, or change the fees associated with, the use of Gangsta Pay at any time subject to reasonable notice and these Gangsta Pay Terms. A fee may be imposed by HALFCASH SOLUTION INC. or an ATM operator for use of the Cash Bills (defined below) at an ATM, including for a balance inquiry, and by any network used to complete the ATM transaction, as described in your Cash Bills Terms (defined below).

5. FDIC Pass-Through Insurance
The Federal Deposit Insurance Corporation (FDIC) insures eligible deposits (up to $250,000) in the event the bank holding the funds fails. If you have been issued a Cash Bills as described in Section VIII of this agreement, your Gangsta Pay Balance is covered by FDIC insurance through our banking partner(s) (“pass-through insurance”).

IV. Communications and Devices
1. Text Messages and Other Communications
Here’s where we describe your consent to receive texts from us and your representations regarding texts we send to others relating to your payments. You also consent to us sending messages to your email. You can opt out of communications in ways that are specific to that communication method, such as by unsubscribing from emails, or replying to text messages with ‘STOP’.

By providing us with a mobile number, either when you sign up for an Account or update the contact information associated with your Account, you consent to receiving text (SMS) messages and push notifications from us. Such communications may include, but are not limited to requests for secondary authentication, receipts, reminders, notifications regarding updates to your account or account support, and marketing or promotional communications. You acknowledge that you are not required to consent to receive promotional texts or calls as a condition of using the Services. Call and text message communications may be generated by automatic telephone dialing systems. Standard message and data rates applied by your cell phone carrier may apply to the text messages we send you.

If you provide us with the mobile number of any other person or entity when initiating or requesting a payment through the Service, you represent and warrant to us that the person or entity has consented to receive text messages from us related to that payment. Standard text messaging rates may apply based on your plan with your mobile carrier.

You may opt-out of receiving promotional email communications we send to you by following the unsubscribe options on such emails. You may opt out of any promotional phone calls by informing the caller that you would not like to receive future promotional calls. You may opt-out of text messages from HALFCASH SOLUTION INC.  by replying STOP or by changing your notification preferences in the app. You acknowledge that opting out of receiving communications may impact your use of the Services.

2. Compatible Mobile Devices and Third Party Carriers
We do not warrant that the Services will be compatible with your mobile device or carrier. Your use of the Services may be subject to the terms of your agreements with your mobile device manufacturer or your carrier. You may not use a modified device to use the Services if the modification is contrary to the manufacturer’s software or hardware guidelines, including disabling hardware or software controls—sometimes referred to as “jail broken.”

V. Data and Service Usage and Ownership
1. Your Content
You retain all rights to your content when you upload it into our services, but you do give us broad rights to use, modify, display your content in our services. You can see specifics on the rights you grant us below.

Also, anything you provide us or make available to the public through our services must not contain anything that we think is objectionable (e.g., illegal, obscene, hateful or harmful to you, our customers or us). We can remove any content at any time.

The Services may include functionality for uploading or providing suggestions, recommendations, feedback, stories, photos, documents, logos, products, loyalty programs, promotions, advertisements and other materials or information (“Content”).

You grant us and our subsidiaries, affiliates, and successors a worldwide, non-exclusive, royalty-free, fully-paid, transferable, irrevocable, perpetual, and sub-licensable right to use, reproduce, modify, adapt, publish, prepare derivative works of, distribute, publicly perform, and publicly display your Content throughout the world in any media for any reason, including to provide, promote, and/or incorporate into the Services. You retain all rights in your Content, subject to the rights you granted to us in these HALFCASH SOLUTION INC. Terms. You may modify or remove your Content via your Account or by terminating your Account, but your Content may persist in historical, archived or cached copies and versions thereof available on or through the Services.

You will not upload or provide Content or otherwise post, transmit, distribute, or disseminate through the Services any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with HALFCASH SOLUTION INC. or its partners’ products and services, as determined by us in our sole discretion; or (f) in our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Services, or which may expose HALFCASH SOLUTION INC, its affiliates or its customers to harm or liability of any nature.

Although we have no obligation to monitor any Content, we have absolute discretion to remove Content at any time and for any reason without notice. Gangsta Pay may also monitor such Content to detect and prevent fraudulent activity or violations of the Gangsta Pay Terms. You understand that by using the Services, you may be exposed to Content that is offensive, indecent, or objectionable. We take no responsibility and assume no liability for any Content, including any loss or damage to any of your Content.

2. Security
We take security incredibly seriously, but can’t guarantee that bad actors will not gain access to your personal information. You need to do your part by keeping your passwords safe, being smart about who has access to your account and which of your devices can access our services, and letting us know if you think an unauthorized person is using your account.

If there is ever a dispute about who owns your account, we are the decider.

We have implemented technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes. You provide your personal information at your own risk.

You are solely responsible for safeguarding your password and for restricting access to the Services from your compatible mobile devices, computers, or through remote access. You will immediately notify us of any unauthorized use of your password or Account or any other breach of security. Notwithstanding Sections XI.18 and XI.19, in the event of any dispute between two or more parties as to account ownership, we will be the sole arbiter of such dispute in our sole discretion. Our decision (which may include termination or suspension of any Account subject to dispute) will be final and binding on all parties.

3. Your License
We grant you a limited, non-exclusive, revocable, non-transferable, non-sublicensable license to use the Services, as authorized in these Gangsta Pay Terms. We may make updates to the Services available to you, which you must accept to continue using the Services. This means you must ensure that you are using the most recent version of Gangsta Pay, which may require you to download and install updates manually. Any such updates may be subject to additional terms made known to you at that time.

4. Ownership
While we’re happy to let you use our services, you don’t have any ownership rights in them. We can act on any ideas you share with us about how we can improve our products and services free of charge.

We reserve all rights not expressly granted to you in these HALFCASH SOLUTION INC. Terms. The Services are protected by copyright, trademark, patent, and other laws of the United States and other countries. We own all rights, title, interest in and to the Services and all copies of the Services. These Gangsta Pay Terms do not grant you any rights to our trademarks or service marks.

For the purposes of these Gangsta Pay Terms, “Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights that may exist now or come into existence in the future, and all of their applications, registrations, renewals and extensions, under the laws of any state, country, territory or other jurisdiction.

You may submit feedback, comments, or ideas about the Services (“Ideas”). Submitting Ideas is entirely voluntary, and we will be free to use such Ideas as we see fit and without any obligation to you.

5. Sharing of Your Information
We will share Account Information and transaction information, including your name, the amount, and a description, with the other party to your transaction and in accordance with our Privacy Notice.

6. Copyright and Trademark Infringement
We respect the intellectual property rights of others and ask you to do the same. We have adopted a Copyright and Trademark Policy regarding any third-party claims that your material infringes the rights of others. We respond to all valid notices of such infringement, and our policy is to suspend or terminate the accounts of repeat infringers.

VI. Gangsta Pay Balance
1. General
You may store funds in your Gangsta Pay, these make up your balance. You may add funds to your balance from your linked bank account or debit card. When you do, you are authorizing us to debit those sources. If we incur costs because you have insufficient funds in your account, you will cover those costs.

a. Functionality. Your balance consists of the funds you have in your Account that are available for new transactions and are not subject to pending transactions (your “Gangsta Pay Balance”). You are solely responsible for all funds necessary to complete any payments initiated through the Service. You agree to reimburse HALFCASH SOLUTION INC. for any fees, costs, or expenses it incurs as a result of insufficient or unavailable funds in connection with any payment you initiate through the Service.

b. Authorization. Each time you instruct us through the Gangsta Pay to add funds from your linked Eligible Bank Account or Direct Deposit (defined below) or linked debit card to your Gangsta Pay Balance or make any other transfer, you authorize us to immediately debit the Eligible Bank Account or debit card linked to your account at the time of the transfer for the amount instructed, either in a single or recurring transaction, as applicable. You are also authorizing us to move funds to your applicable Eligible Bank Account or applicable debit card for instructions to add funds that are canceled or otherwise returned. You can cancel this authorization by unlinking your Eligible Bank Account or debit card from your Cash Account.

c. Limitations. HALFCASH SOLUTION INC. may impose limits on the amount you can keep in your Gangsta Pay Balance and reserves the right to change these limits at any time. Funds in your Gangsta Pay Balance might not be available to use for all types of transactions. If you have a Restricted Account, then you may not use your Gangsta Pay Balance to make payments to other Gangsta Pay customers (including Cash for Business Sellers) unless you first upgrade to an Unrestricted Account.

2. Funding Your Gangsta Pay Balance
There are several ways you can add funds to your Gangsta Pay Balance (“Add Cash”), which are described here.

Subject to the limitations described in Section VI.1(c), you can keep funds received from P2P Payments (defined below) made to you through the Gangsta Pay in your Balance.

Once you have an Unrestricted Account, we may offer you the ability to “Add Cash” to your Gangsta Pay Balance in other ways, including, but not limited to, the following:

a. External Account.
Eligible Bank Account. You may use funds from your Eligible Bank Account to fund your Gangsta Pay Balance.Debit Card. You may link a debit card to fund your Gangsta Pay Balance. To do so, you must have a valid debit card issued by a U.S. bank or financial institution bearing the Visa Inc. (“Visa”), MasterCard International Inc. (“MasterCard”), or DFS Services, LLC (“Discover”) logo. Any such debit card, collectively with your Gangsta Pay Balance (if you have an Unrestricted Account) and an Eligible Bank Account, is referred to herein as an “Eligible Transaction Account”.

b. Direct Deposit. You may direct payments made to you from your employer or otherwise into your Gangsta Pay Balance using the bank routing and account number provided to you under the direct deposit program provided by our partner banks (the “Direct Deposit”). Such Direct Deposits, including limits on the dollar amount of Direct Deposit you can receive, are governed by the terms and conditions provided by the applicable bank.

c. Mobile Check Capture. Subject to the Mobile Check Capture Section of these Gangsta Pay Terms, we may also offer the ability to use a check to Add Cash to your Gangsta Pay Balance.

Certain funding features (including, but not limited to, cash loads and Direct Deposit) may be unavailable or delayed from time to time due to risk-based restrictions, scheduled maintenance, changes to our Services, unforeseen circumstances, or outages.

3. Transferring Funds to Your Bank Account
You can transfer funds from your Gangsta Pay balance out to your bank account (“Cash Out”). These transfers can take up to three days, or for a fee, be made instantly. We may limit your ability to transfer funds to your bank account, based on the circumstances. For example, we may delay transfers while we screen for fraud or risks. You are responsible for all amounts owed on your account even after it is closed.

a. Transfers to Your Bank Account. You may electronically transfer funds from your Gangsta Pay Balance to an Eligible Bank Account (“Cash Out”). By selecting an Eligible Bank Account as your deposit source you are requesting that we settle an electronic transfer to your bank account. HALFCASH SOLUTION INC. will settle these electronic transfers (via the Automated Clearing House (“ACH”) of NACHA - The Electronic Payment Association (“NACHA”)) to your Eligible Bank Account in the amount you instruct, and you will not be able to cancel the ACH transfer. Such transfer to your Eligible Bank Account via ACH will typically arrive within three (3) business days.

b. Instant Deposit. If this feature is available to you, you may Cash Out from your Gangsta Pay Balance to your Eligible Bank Account subject to the fees detailed in the Instant Deposit experience. Funds are typically available within minutes.

c. Limitations. HALFCASH SOLUTION INC. may limit how many Cash Outs you can initiate from your Gangsta Pay to your Eligible Bank Account and the amount of funds you can transfer in a single transaction. We reserve the right to delay or further limit such transfers at our discretion to protect HALFCASH SOLUTION INC. or a third party against the risk of reversals, chargebacks, claims, fees, fines, penalties and other liability. In addition, you may not transfer funds from your Gangsta Pay Balance to your Eligible Bank Account to evade a payment investigation. If you attempt to transfer your Gangsta Pay Balance while we are conducting an investigation, we may hold your funds at our discretion to protect HALFCASH SOLUTION INC. or a third party against the risk of reversals, chargebacks, claims, fees, fines, penalties and other liability. We also may defer or redirect payout or restrict access to your funds as necessary to comply with applicable law, subpoena or court order, or if requested by any governmental entity. You will remain liable for all obligations related to your Account even after the Account is closed.

4. Treatment of Funds
HALFCASH SOLUTION INC. will not mix your funds with HALFCASH SOLUTION. corporate funds. Your funds will be held in pooled bank accounts with the funds of other Gangsta Pay customers.

If you do hold funds in your Gangsta Pay Balance, HALFCASH SOLUTION INC. will hold such funds separate from its corporate funds and will not use your funds for any corporate purposes, nor will HALFCASH SOLUTION INC. voluntarily make your funds available to its creditors in the event of bankruptcy. HALFCASH SOLUTION INC. will combine your funds with the funds of other customers and place those pooled accounts in one or more bank accounts in HALFCASH SOLUTION INC. name.

5. Interest
You will not receive interest on the funds that you have in your stored balance.

You agree that you will not receive interest on or other monies derived from the funds that HALFCASH SOLUTION INC. handles and places in pooled accounts. It is likely that HALFCASH SOLUTION INC. will receive interest on funds held for its users. In consideration for your use of the Service, and with full knowledge and understanding that HALFCASH SOLUTION INC. will receive this interest, you irrevocably transfer and assign to HALFCASH SOLUTION INC. all rights that you may have in any interest that may accrue on funds held in pooled accounts.

VII. Peer-to-Peer Service
1. Description Of Service
The peer-to-peer Service (“Peer-to-Peer Service”) allows you to send funds or receive funds for peer-to-peer personal, non-commercial purposes.

2. Sending Funds
You will be able to send funds using our P2P service if you have a linked bank account or linked a credit card. If you have an Unrestricted Account you will also be able to send funds using our P2P service from your balance. You authorize us to move funds on your behalf. We won’t be responsible for certain incomplete transactions, as described here.

a. General. Once you have opened an Account and either have funds available in an Eligible Transaction Account or linked a credit card issued by a U.S.-based bank or financial institution bearing the trademark of Visa, MasterCard, Discover, or American Express Travel Related Payment Services Company, Inc. (“American Express”) (an “Eligible Credit Account), you will be able to send funds using the Peer-to-Peer Service. Note that your Gangsta Pay Balance will not be an “Eligible Transaction Account” until you have given us certain information and we have verified your identity, as set forth above. This means that until (a) you give us this information (b) we verify your identity and (c) you have an Unrestricted Account, you will not be able to use the Gangsta Pay Balance to send funds using the Peer-to-Peer Service. With a Restricted Account, you will not be able to make a payment to another Gangsta Pay customer (including a Cash for Business Seller) using your Gangsta Pay Balance. You may only send funds with the Peer-to-Peer Service using an Eligible Credit Account or an Eligible Bank Account. As a party initiating a transfer (“Sender”), you will send funds to your selected recipient (“Recipient”) by designating the Recipient and the transfer amount to us (a “Payment Instruction”).

b. Authorization. By initiating each Payment Instruction, you authorize us to debit your linked Eligible Transaction Account (including any Eligible Bank Account that is linked to your Account at the time of the Payment Instruction) or linked Eligible Credit Account by the amount you specify, and to send those funds to your designated Recipient (a “P2P Payment”) immediately upon your request. By submitting a Payment Instruction, you are also authorizing us to move funds to your applicable Eligible Transaction or applicable Eligible Credit Account for P2P Payments that are canceled or otherwise returned. You can cancel this authorization by unlinking your Eligible Bank Account from your Gangsta Pay Account.

You understand and agree that when you initiate a P2P Payment Instruction, processing will begin, and funds will leave your Eligible Transaction Account as early as the moment you initiate the Payment Instruction. However, we will complete the transfer of funds to the Recipient once the Recipient has provided all required information. You hereby authorize and direct us to retain such funds until the earlier of such time as the Recipient has provided all required information or fifteen (15) days.

c. Our Liability. We shall incur no liability if we are unable to complete a P2P Payment Instruction because of inaccurate or insufficient Payment Instructions, or the failure of the Recipient to claim the P2P Payment, or because either you or the Recipient does not provide us with any information that we request, or we are unable to verify your identity or the identity of the Recipient to our satisfaction.

3. Funding Sources Used for Payments Made Through the Service
You may link an Eligible Bank Account to your Gangsta Pay to fund payments. HALFCASH SOLUTION INC. reserves the right to limit which banks or what types of accounts constitute an Eligible Bank Account. When you initiate a payment through the Gangsta Pay, if you have a Restricted Account, then you will not be able to make a payment to another Gangsta Pay customer (including a Cash for Business Seller) using your Gangsta Pay Balance. If you have a Restricted Account and you wish to make a payment to another Gangsta Pay customer, you may: (1) use an Eligible Bank Account or Eligible Credit Account; or (2) upgrade to an Unrestricted Account to make the payment with your Gangsta Pay Balance.

If you have an Unrestricted Account and have sufficient funds in your Gangsta Pay Balance to satisfy the full payment amount you can choose whether you want the payment fulfilled by your Gangsta Pay Balance, Eligible Bank Account or Eligible Credit Account. If you do not have sufficient funds in your Gangsta Pay Balance to cover the full transaction, then you may choose the funding source from your Eligible Transaction Accounts or Eligible Credit Accounts.

4. Requesting Funds
You may also request funds to be transferred to you through the Peer-to-Peer Service by designating the amount of funds requested and your selected Sender (a “Cash Request”). If the Sender approves your Cash Request, your Cash Request will become the Sender’s Payment Instructions and be processed as described in these Gangsta Pay Terms.

5. Receiving FundsAny P2P Payment you receive via the Peer-to-Peer Service will be stored in your Gangsta Pay Balance.

6. Peer-to-Peer Service Payment Amount LimitsIf you’re sending large amounts of money over the thresholds described here, you will need to provide additional ID so that we can make sure you are who you say you are.

We will require you to provide us with additional identification information if you wish to send more than one thousand dollars ($1,000) (in any one transaction or in multiple transactions) over any thirty (30) day period or to receive more than one thousand dollars ($1,000) (in any one transaction or in multiple transactions) over any thirty (30) day period. HALFCASH SOLUTION INC. may impose other limits on the amount you can send in any one transaction or in multiple transactions over any seven (7) day period, subject to some restrictions. We may adjust these limits at any time at our discretion.

7. Peer-to-Peer Service Fees
You can send money to others through our P2P service for free, unless you choose to send funds using a credit card. We can change these fees in the future.

There are currently no fees for sending funds via an Eligible Transaction Account using the Peer-to-Peer Service. The fee for sending funds using an Eligible Credit Account through Peer-to-Peer Service will be displayed at the time of the transaction. We reserve the right to charge for or change the fees associated with use of the Peer-to-Peer Service at any time with reasonable notice, subject to these Gangsta Pay Terms.

8. Payment Cancellation, Stop Payment Requests and Refused Payments
Our ability to stop or cancel a P2P Payment Instruction depends on how the Payment Instruction was initiated, and whether the Payment Instruction has begun processing. We are not required to stop, cancel, or recover funds associated with a misdirected Payment Instruction.

P2P Payments not claimed by a Recipient fifteen (15) days after the processing has begun will be canceled automatically. We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Eligible Transaction Account or Eligible Credit Account, as applicable. If we are not able to do so, we may use other reasonable means to return the P2P Payment to you, as permitted by applicable law.

9. Invalid P2P Payments
If we believe you received a payment that should not have been made for some reason (for example, fraud), you give us permission to reverse that payment. We are not responsible for any payments that you receive, even if you don’t know who sent the payment.

If you receive a P2P Payment and we later determine in our sole discretion that the P2P Payment was invalid for any reason, you hereby authorize us to move funds from the applicable Eligible Transaction Account or Eligible Credit Account in an amount equal to the P2P Payment.

You acknowledge and agree that we will not be liable in any way for any P2P Payments that you may receive, regardless of whether you authorized the Sender to send them to you.

10. Risk of Fraudulent Transactions
The Peer-to-Peer Service is a money transmission service. As a result, fraudulent transactions may result in the loss of funds with no recourse.

VIII. Cash Bills
1. Issuance of the Cash Bills
A bank may provide you with a virtual or physical Cash Bill. By requesting the Cash Bill, you agree to any additional applicable terms from the issuing bank. We may cancel, repossess, or revoke your Cash Bills at any time.

HALFCASH SOLUTION INC. may arrange for an issuing bank to provide you with access to a mobile QR code cash bills (a “Cash Bills”). By using the Cash Bills, you agree to the issuing bank’s terms, as applicable (each the “Cash Bills Terms”), which may be updated from time to time. For avoidance of doubt, the applicable Cash Bills Terms are between you and the issuing bank of your cash bills  program, not Gangsta Pay, and in the event of any inconsistency between these Gangsta Pay Terms and the applicable Cash Bills Terms, the applicable Cash Bills Terms shall govern your use of the Cash Bills and your relationship with the issuing bank.

The Cash Bills may be issued in virtual or physical form. To activate the virtual Bills, and to request a physical Bills, you will need to follow in-app prompts.

You may have the option to choose our design Cash Bills. If you choose to redesign your Bills, we may charge an additional fee. We reserve the right to reject designs or signatures and Bills applications for any reason. Prohibited signatures include, but are not limited to, those signatures that depict inappropriate subject matter, the intellectual property rights of others, or an ink-intensive design.

Once you receive your Mobile CASH BILLS, you must follow the directions  to activate your bills prior to use. Your personal identification number (“PIN”) will be the code you set as your Cash PIN, and you may reset the PIN in the Gangsta Pay App. Your Mobile Bills may be cancelled, repossessed, or revoked at any time without prior notice at our discretion (including for depicting a prohibited signature) subject to applicable law.

2. Using the Cash Bills
You can use your Cash Bills to make purchases using any available Gangsta Pay balance. You agree we can move funds from your balance to your Cash Bills for purchases that you make with your Cash Bills.

Your Cash Bills may be used to make purchases with a merchant using any available amounts in your Gangsta Pay Balance. Upon activating the Service, you instruct HALFCASH SOLUTION INC. to use the available funds in your Gangsta Pay Balance to load your Gangsta Pay Account for making purchases with your Cash BiLL.

3. Payment Transaction Limits
You agree that you won’t make a purchase or transaction in excess of the funds available in your balance and if you do, you agree that we can recover any negative balance.

You can only make transactions using your Cash Bills to the extent that you have funds in your Gangsta Pay Balance to support those transactions. You agree not to make a purchase or other transaction in excess of the funds available in your Gangsta Pay Balance. If you do make a purchase or other transaction that exceeds the funds available in your Gangsta Pay Balance, you agree that we can recover any negative balance incurred.

4. No Right to Stop Payment
You do not have the right to stop payment on a transaction originated with your Cash Bills.

5. “Disable Bills” Feature
You may use the “Disable Bills” feature of Gangsta Pay to disable your Cash Bills if you lose your Cash Bills or think it has been stolen.

In the event of a lost, stolen, or misplaced Cash Bills, or you otherwise want to prevent future transactions from your Cash Bills, you may disable your Cash Bills with the Gangsta Pay App “Disable Bills” feature within the Gangsta Pay App. Use of this feature will not prevent processing of pending transactions initiated prior to disabling your Cash Bills. In the event you have found your Bills, or otherwise want to enable a disabled Cash Bills, you must select the “Enable Bills” option within the Gangsta Pay App before your “disabled” Cash Bills can be used for transactions. You are responsible for preventing unauthorized disabling and enabling activity on your device relating to your Cash Bills. Such activity, when not authorized, may be deemed invalid in HALFCASH SOLUTION INC. sole discretion.

6. Gangsta Pay Cash Bills  Cancellation
If we determine that you are no longer eligible for a Gangsta Pay Cash Bills, we will let the issuing bank know and your Cash Bills may be canceled without notice.

We may suspend access to or cancel your Cash Bills at our sole discretion. We will inform the issuing bank if we determine that you are no longer eligible for your Cash Bills. If you are no longer eligible for your Cash Bills it may be canceled at any time without notice as detailed in the applicable Cash Bills Terms and your funds will be returned to you unless they are the subject of an investigation into suspected unlawful activity, or if HALFCASH SOLUTION INC. is otherwise required by law to withhold your funds.

7. Disclaimer
We make no guarantees regarding your Cash Bills and we are not responsible if it gets stolen, lost, destroyed, or used without your permission. Except as otherwise set forth herein or required by applicable law, HALFCASH SOLUTION INC. is not responsible if your Cash Bills is lost, stolen, destroyed, or used without your permission.

8. Cash Bills Fees
You may be charged certain fees in connection with your use of the Cash Bills.

Fees related to use of your Cash Bills may be added or modified from time to time. Such fees may include:

ATM withdrawals (in and out of network): $2
Cash Bills redesign or upgrade: $5
Limited edition Cash Bills designs: fee disclosed when you order the Gangsta Pay Cash Bills
All Cash Bills fees will be deducted from the available balance in your Gangsta Pay Balance when the fee is assessed.

IX. Gangsta Pay Digital  Currency Services
This section last updated April 12, 2022.

This section governs your use as an individual of the Digital Currency (as defined below) services offered through
 HALFCASH SOLUTION
 INC.GANGSTA PAY
 QR CODE CASH BILLS.

Value of digital currency can change quickly and dramatically, and can result in sudden and substantial losses including loss of the entire value of the digital currency. You should therefore carefully consider whether transacting or holding digital Currency is suitable for you in light of your financial condition.

1. Definitions

Defined terms will have the same meaning as those found in the Gangsta Pay Terms, unless otherwise re-defined herein. Capitalized terms in these Digital Currency Terms will have the following meanings:

“External Digital Currency Address” means any digital Currency address, wallet, or account that is maintained outside of the Services, and is not owned, controlled, or operated by HALFCASH SOLUTION INC..

“Fiat Currency” means government-issued currency.

“Hosted Balance” means the Digital Currency you have purchased for or deposited in your Digital Currency Account (defined below) which you own and HALFCASH SOLUTION INC. holds for your benefit as a specific deposit. As a specific depositor, you continue to own the Digital Currency in your Hosted Balance. HALFCASH SOLUTION INC. only keeps possession of your Hosted Balance for your benefit as a specific depositor.

“Supported Network” means any blockchain network, second-layer protocol built on top of a blockchain network, or other Digital Currency network or protocol that we may make available to you in connection with some or all of the Digital Currency Services.

“Digital Currency” means  currency that may be purchased, sold, saved and transferred using the Gangsta Pay App.

“Digital Currency Services” means  other digital currency services available in Gangsta Pay App.

2. Gangsta Pay Digital Currency Account
a. Eligibility. To be able to access and use the Digital Currency Services, you must have a “Gangsta pay Digital Currency Account.” To register for a Digital Currency Account you must: (a) have an Account, (b) be an individual person, not an entity, using the Digital Currency Services for personal use, (c) be a resident of the United States, (d) be at least 18 years, and the age of majority in your State of residence, or older, (e) use the Digital Currency Services in the United States, and (f) have provided the information as discussed in the next section.

b. Identity Verification. In order to use the Digital  Currency Services, you may be required to provide HALFCASH SOLUTION INC. with certain personal information in addition to the Account Information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, government identification number, and information regarding your bank account (e.g., financial institution, account type, routing number, and account number), source of funds and employment information. In submitting this or any other personal information as may be required, you verify that the information is accurate and authentic, and you agree to update HALFCASH SOLUTION INC. if any information changes.

c. Availability. HALFCASH SOLUTION INC. may not make all of the Digital Currency Services available in all markets and jurisdictions, and may restrict or prohibit use of all or a portion of the Digital Currency Services from certain states, territories, or jurisdictions (“Restricted Locations”). You must not attempt to use the Digital Currency Services if you are located in any of those Restricted Locations. You must not attempt to circumvent any restrictions imposed via the Digital Currency Services, such as by obscuring your IP address or submitting any inaccurate information regarding your location.

3. Purchasing Digital Currency
a. Funding. In order to complete a purchase transaction via the Digital Currency Services, you must first hold Fiat Currency in your Gangsta Pay Balance.

b. Authorization. When you submit a Digital Currency purchase order (a “Buy”) via the Digital Currency Services, you authorize us to execute a Digital Currency purchase transaction in the amount you instruct and debit your Gangsta Pay Balance in the total amount of the Buy transaction, including any applicable fees.

c. Buy Transaction. To initiate a Buy you will choose the amount of Digital Currency you wish to buy from HALFCASH SOLUTION INC. using Fiat Currency from your Gangsta Pay Balance and tap “Buy”. You must have sufficient Fiat Currency in your Gangsta Pay Balance before submitting any “Buy” transaction. A “Buy” transaction is a sale from HALFCASH SOLUTION INC. to you. Once complete, your Hosted Balance will reflect the amount of Digital Currency that you own. All right to and title in the Digital Currency bought will pass from HALFCASH SOLUTION INC. to you. A Buy will not necessarily result in HALFCASH SOLUTION INC. broadcasting any transaction to a Digital Currency network.

d. Auto-Invest and Recurring Buys. You may be able to set recurring Buy transactions to purchase Digital Currency in Gangsta PAY (a “Recurring Buy”) at periodic intervals of your choosing. If you set up a Recurring Buy, you authorize and instruct HALFCASH SOLUTION INC. to debit Fiat Currency from your Gangsta Pay Balance or Eligible Bank Account (as applicable) in the amount you instruct for each Recurring Buy and on the periodic interval you instruct (e.g. daily, monthly, weekly). HALFCASH SOLUTION INC. will execute each Recurring Buy in the amount and interval you instruct. Recurring Buys will be placed as market orders on the applicable day and will be executed at the then-effective Conversion Rate (defined below). Recurring Buys may not occur at the same time on each day of the periodic interval. You may not receive prior notification of Recurring Buys before they occur. HALFCASH SOLUTION INC. may set minimum transaction requirements for Recurring Buys. If you do not have sufficient funds available for any Recurring Buy, we may make additional attempts to pull funds, wait to retry on the next scheduled Recurring Buy, or cancel the Recurring Buy altogether. You may cancel Recurring Buys at any time. Recurring Buys will continue until cancelled by you or Gangsta Pay. HALFCASH SOLUTION INC. may cancel or modify any Recurring Buy for any reason in its sole discretion.

e. No Guarantee. HALFCASH SOLUTION INC. does not guarantee the availability of “Buy” transactions, and the act of purchasing Digital Currency from HALFCASH SOLUTION INC. does not result in a guarantee that you may purchase supported Digital Currency from HALFCASH SOLUTION INC. at a later time.

f. Settlement. We will use commercially reasonable efforts to complete transactions within two days of the date upon which you have initiated a “Buy” transaction via the Digital Currency Services.

4. Transferring Digital Currency
a. Withdrawals. You may transfer Digital Currency, up to the total amount of Digital Currency from your Hosted Balance to an External Digital Currency Address, minus the fees detailed below (a “Digital Currency Withdrawal”). You are solely responsible for providing accurate instructions and directions for any Digital Currency Withdrawal, and we are not liable to you or any third party for any delay or loss incurred from a Digital Currency Withdrawal executed according to your instructions. You should verify the accuracy of the External Digital Currency Address prior to initiating a Digital Currency Withdrawal. Digital Currency Withdrawals may not be reversed or refunded once they have been initiated. We do not have control over any Supported Network for any Digital Currency Withdrawal and cannot guarantee that the Supported Network will confirm the transaction or execute it correctly.

b. Deposits. You may transfer Digital Currency from an External Digital Currency Address to your Hosted Balance, minus the fees detailed below and subject to the restrictions in these terms (a “Digital Currency Deposit”). Only supported Digital Currencies may be deposited with Gangsta Pay, and any Digital Currency Deposit you initiate must conform to the protocols of the receiving Digital Currency wallet. The person initiating a Digital Currency Deposit is solely responsible for executing the transaction correctly, including payment of any applicable network fees. We are not responsible for any erroneous or delayed Digital Currency Deposit for any reason, including erroneous instructions or address information. Digital Currency Deposits must be recognized by the required number of network confirmations, or otherwise authorized pursuant to network confirmation requirements, for the relevant Supported Network, and may be delayed before appearing in your Hosted Balance.

c. Transfer Limitations. We may, in our sole discretion, impose limitations or restrictions on the size, type, or manner of any transfer transactions, such as a limit on the total amount of Digital Currency that may be transferred.

d. Transfer Fees. We may charge fees for Digital Currency Deposits or Digital Currency Withdrawals, including fees imposed by the relevant Supported Network if applicable, which will be shown to you at or prior to your confirmation of the transaction.

e. Compatibility. Only supported Digital Currencies may be transferred to or from your Hosted Balance. We are not responsible for delay or loss associated with any attempted transfer transaction of unsupported Digital Currencies or of any Digital Currency transaction that is not made on a Supported Network or that is incompatible with the destination address.

f. Transfer Settlement Risk of Loss. Once a Digital Currency Withdrawal or Digital Currency Deposit is submitted to the Supported Network, the transaction will be unconfirmed and remain in a pending state for a period of time sufficient for the Supported Network to confirm the transaction, which can vary. A Digital Currency Withdrawal or Digital Currency Deposit is not complete while it is in a pending state. Pending Digital Currency Withdrawals that are initiated from your Hosted Balance will be in a pending transaction state, and the relevant value of the pending Digital Currency Withdrawal will not be available in your Hosted Balance. If your attempted Digital Currency Withdrawal over a Supported Network fails, the relevant Digital Currency amount will remain in your Hosted Balance. You bear the risk of loss of value once you have initiated a transfer transaction to or from your Hosted Balance in the event that the receipt of digital currency is delayed and the value of digital currency decreases during the period of delay. We are not responsible for delays or loss incurred as a result of any errors in the initiation of a transfer transaction and have no obligation to assist in the remediation of such transactions.

g. Third Parties. We are not responsible for any goods or services that you may receive from, or any action by, a third party with respect to any transfer of Digital Currency. We are not responsible for ensuring that a third party you transact with will complete the transaction or is authorized to do so. If you have a dispute with any third party with respect to any Digital Currency transfer you should resolve the dispute directly with that third party.

5. Selling Digital Currency
a. “Sell” Transaction. To initiate a “Sell” transaction, you will choose the amount of Digital Currency you wish to sell to HALFCASH SOLUTION INC. from your Hosted Balance and tap “Sell”. In the event the “Sell” feature is available, HALFCASH SOLUTION INC. will then purchase such amount of the Digital Currency from you and deposit the value of Digital Currency in your Gangsta Pay as Fiat Currency. The price you receive for any Digital Currency sold to HALFCASH SOLUTION INC. may vary based on market factors, including the price and volume of the Digital Currency you are attempting to sell.

b. No Guarantee. HALFCASH SOLUTION INC. does not guarantee the availability of “Sell” transactions, or your ability to sell Digital Currency held in your Hosted Balance. The act of selling Digital Currency to HALFCASH SOLUTION INC. does create a guarantee that you may sell Digital Currency to HALFCASH SOLUTION INC. at a later time.

6. Peer to Peer Members Transfers
Gangsta Pay may allow you to initiate peer-to-peer members  transfers to other Gangsta Pay customers within the app (each transfer, a “P2P Membership Transaction”). P2P Members Transactions are “off-chain” transactions facilitated by HALFCASH SOLUTION INC.. As such they are not broadcast to the Any network and will not be reflected on the public ledger. All  transferred via P2P Members Transactions are custodied by HALFCASH SOLUTION INC. P2P Membership Transactions may only be completed between Digital Currency Accounts; if you initiate a P2P Membership Transaction to a Gangsta Pay Account that is not an Digital Currency Account, the recipient must take the necessary steps to become an Digital Currency Account before the transaction will be completed. If the recipient fails to open a Digital Currency Account for any reason within the required period of time, the attempted P2P Membership Transaction will be voided and  returned to your account. Once you accept a P2P Membership Transaction, any subsequent P2P Transaction to you will be automatically completed into your Hosted Balance.

We reserve the right to charge for or change the fees associated with P2P Membership Transactions at any time subject to these Digital Currency Terms. Any fees assessed will be reflected in app at or prior to your confirmation of the transaction.

We may impose transaction limits on P2P  Transactions in our sole discretion. Fraudulent transactions may result in the loss of Digital Currency with no recourse. It is your responsibility to provide accurate instructions for any P2P  Transactions, and HALFCASH SOLUTION INC. is not responsible for any P2P Transactions facilitated based on inaccurate or incomplete instructions. P2P Transactions occur in  denominations (i.e. “satoshis”). You may have the option to choose an estimated amount of a P2P Transaction denominated in dollars. Prior to sending any P2P Transaction you will be shown the amount of the transfer denominated in Cash; it is your responsibility to ensure that the transfer amount is correct. All estimated denominations of P2P Transactions in dollars are based on the then-effective Conversion Rate and are not a guarantee or promise of the amount of money that will be transferred. The value of money can fluctuate rapidly and HALFCASH SOLUTION INC. does not guarantee the dollar value of any P2P  Transaction. Members received via P2P Transaction may lose value, and recipients will not be reimbursed for such losses.

7. Fees
We may charge fees for Digital Currency transactions within Gangsta Pay App, including any purchase, sale, transfer, or transaction on any Supported Network. For any transaction you initiate, you agree to pay the fees shown to you at or prior to you confirming the transaction. We may change the fees at any time, with or without notice to you.

8. Conversion Rate
You may buy or sell Digital Currency through the Digital Currency Services. Any such buy or sell transaction is subject to the HALFCASH SOLUTION INC. “Conversion Rate” for the given transaction. “Conversion Rate” means the price of Digital Currency in terms of Fiat Currency as displayed in the Gangsta Pay App once you have selected “Buy” or “Sell” and such Conversion Rate is the price in terms of Fiat Currency at which you may buy Digital Currency from or sell Digital Currency to HALFCASH SOLUTION INC.. You acknowledge that HALFCASH SOLUTION INC may add a margin or “spread” between the quoted mid market price displayed on the Digital Currency dashboard and the quoted buy or sell price and, as such, that the quoted buy price Conversion Rate may not be the same as the sell price Conversion Rate at any given time. You agree, as a condition of buying or selling Digital Currency through the Gangsta Pay App, to accept the Conversion Rate as the sole conversion metric. You have no obligation to accept the offered buy or sell price for Digital Currency in the Gangsta Pay App.

9. Risk Disclosure
General. Digital currency values can fluctuate substantially which may result in a total loss of the value of the digital currency in your hosted balance. The supply of digital currency available to halfcash solution inc. To sell to you and the ability of halfcash solution inc. To purchase or transfer your digital currency depends on third party providers that are outside of halfcash solution inc.  Control, therefore, halfcash solution inc.  Makes no promises as to timing of digital currency purchases, sales, and transfers. Halfcash solution inc.  Does not own or control any of the software protocols that are used in connection with the digital currencies purchased, sold, or transferred through the digital currency services. Accordingly, halfcash solution inc.  Disclaims all liability relating to such protocols and any price fluctuations in digital currency, and makes no guarantees regarding the security, functionality or availability of such protocols.

Forks. By using the digital currency services, you acknowledge and agree that the underlying protocols are subject to sudden changes in operating rules (known as “forks”), and that such forks may materially affect the value, function, and/or even the name of the digital currency. In the event of a fork, you agree that we may temporarily suspend operations (with or without advance notice to you) and that we may, in our sole discretion, decide whether or not to support (or cease supporting) either branch of the forked protocol entirely. You acknowledge and agree that halfcash solution inc.  Assumes absolutely no responsibility whatsoever in respect of an unsupported branch of a forked protocol.

System failure. You accept all risks associated with the use of the digital currency services to conduct  digital currency transactions, including, but not limited to, in connection with the failure of hardware, software, internet connections, and failures related to any supported network. The nature of digital currency means that any technological difficulties experienced by halfcash solution inc.  May prevent the access or use of your digital currency.

Disruption Events. You agree that we are not liable for any price fluctuations in Digital Currency. In the event of material market events or other prevailing circumstances, we may do one or more of the following: (a) suspend access to the Digital Currency Services; or (b) prevent you from completing any actions via the Digital Currency Services. We will not be liable for any losses suffered by you resulting from such actions. Following any such event, when Digital Currency Services resume, you acknowledge that prevailing market rates, including the Conversion Rate, may differ significantly from the rates available prior to such event.

Limitation of Liability. Our responsibility is limited to the exercise of ordinary diligence in operating the Digital Currency Services and giving access to your Digital Currency and in preventing access to your Digital Currency by unauthorized persons. We are not responsible for any unauthorized access or loss or harm an unauthorized access may cause, unless caused only by our gross negligence or our willful misconduct. You will have no claim against us for loss of your Digital Currency unless you prove that the loss was not caused or contributed to by you.

Risks Inherent to Digital Currency. (a) Digital Currency transactions are irreversible, and, accordingly losses due to fraudulent or accidental transactions may not be recoverable and HALFCASH SOLUTION INC. shall not be held liable for any fraudulent or accidental transactions, (b) Digital Currency is not legal tender and is not backed by a government or central bank. As such, there is no protection, such as deposit insurance, to cover any losses associated with Digital Currency, (c) legislative and regulatory changes or actions at the state, federal or international level may adversely affect the use, transfer, exchange, and value of Digital Currency or the functionality or availability of any Supported Network, (d) each Supported Network is maintained by a vast, unidentified private computer network spread around the world, and choosing to participate in Digital Currency transactions on any Supported Network is at your own risk and based solely on your own understanding of the Digital Currency and Supported Network, (e) Digital Currency is a target for fraud and the potential for fraud is especially likely when you engage in transactions with External Digital Currency Addresses, (f) Digital Currency is a target for hackers and hacking can occur even when you use the strongest security settings and as such your Digital Currency may be irretrievably stolen, (g) your bank accounts are at increased risk of being hacked when linked to Digital Currency accounts, (h) some Digital Currency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that you have initiated the transaction (i) the value of Digital Currency may be derived from the continued willingness of market participants to exchange Fiat Currency for Digital Currency, which may result in the potential for permanent and total loss of value of a particular Digital Currency should the market for that Digital Currency disappear, (j) there is no assurance that a person who accepts Digital Currency as payment today will continue to do so in the future, (k) the volatility and unpredictability of the price of Digital Currency relative to Fiat Currency may result in significant loss over a short period of time, and (l) any bond or trust account held by HALFCASH SOLUTION INC. may not be sufficient to cover all losses incurred by our customers.

10. Transaction History
Transaction information will be reflected in your transaction history in the Gangsta Pay App. You agree that failure to provide such confirmation shall not prejudice or invalidate the terms of such transaction.

11. Use of the Digital Currency Services
a. Conditions and Restrictions. We may, at any time and in our sole discretion, refuse any transaction, including any purchase, sale, or transfer request submitted via the Digital Currency Services, impose limits on the amount of Digital Currency you can purchase, sell, or transfer via the Digital Currency Services or impose any other conditions or restrictions upon your use of the Digital Currency Services, without prior notice. We may also make the purchase, sale, or transfer of Digital Currency in the Gangsta Pay App unavailable at any time, in our sole discretion. If the Digital Currency Services are unavailable, any purchase, sale, or transfer requests you may have submitted for such Digital Currency will be cancelled.

b. Cancellations. You may not cancel any purchase, sale or transfer requests via the Digital Currency Services. Once you have submitted a request, you may not change, withdraw, or cancel your authorization for us to complete such transaction.

c. Insufficient Funds. If you have insufficient funds in your Gangsta Pay App to purchase a requested amount of Digital Currency via the Digital Currency Services, you will not be able to complete the transaction.

d. Taxes. It is your responsibility to determine what, if any taxes may apply to the transactions you complete under the Digital Currency Services and it is your responsibility to report and remit the appropriate tax to the relevant taxing authorities. You agree that we are not responsible for determining whether taxes apply to the exchanges made under the Digital Currency Services. To the extent obligated by the relevant taxing authorities that we are required to deduct or withhold any amounts from payment, we will make the required payment net of such taxes. Any amounts so withheld will be treated as having been paid for all purposes of this agreement. You certify the information provided to HALFCASH SOLUTION INC. is accurate and consent to HALFCASH SOLUTION INC. using such information as is necessary to fulfill HALFCASH SOLUTION INC. federal, state and local tax payment or withholding purposes and tax filing obligations.

e. Currency Availability. HALFCASH SOLUTION INC. retains the right, in its sole discretion, to determine the types of Digital Currency that may be available through the Digital Currency Services, and may add or remove the availability of any Digital Currency from the Digital Currency Services at any time for any reason. HALFCASH SOLUTION INC. will make reasonable efforts to notify you of the likely removal of a Digital Currency. If the market for a Digital Currency is closed on the Gangsta Pay App, you will have 30 days to transfer the amounts remaining in your Digital Currency Account associated with such Digital Currency to an External Digital Currency Address. Any Digital Currency that is no longer supported within the Gangsta Pay App, and is not withdrawn within 30 days, will not be discarded; however, you must reach out to Support to arrange withdrawal. HALFCASH SOLUTION INC. will not be liable to you for any losses, liability or expenses related to the removal of a Digital Currency.

f. Independent Relationship. You agree that: (a) we are not acting as your broker, intermediary, agent, or advisor, or in any fiduciary capacity, and (b) no communication or information provided to you by us shall be considered or construed as advice.

12. Suspension; Termination; Discontinuance of Digital Currency Services
a. Suspension, Termination, Discontinuance of the Digital Currency Service. HALFCASH SOLUTION INC. may, in our discretion, with or without prior notice to you, and at any time, limit, suspend, modify, discontinue, either temporarily or permanently, any portion of our Digital Currency Services, if we think it is necessary to do so to protect us, our users, including you, or our employees from danger or loss, if required by laws that apply or by court order to limit or refuse the Digital Currency Services. If we exercise our rights to limit or refuse your access to the Digital Currency Services, we will not be responsible for any consequences of our refusal to give you access to the Digital Currency Services, including any delay, damage or inconvenience you may suffer as a result.

b. Suspension, Termination, Discontinuance of your Digital Currency Account. Without limiting other provisions in these Gangsta Pay Terms, we may suspend or terminate your Digital Currency Account or your access to any of the Digital Currency Services at any time in our sole discretion.

c. Suspension, Termination, Reversal of Transactions. We may suspend, refuse, freeze, decline, delay, redirect or reverse any transaction request, including purchase, sale, or transfer requests, for any reason, even after funds or Digital Currency has been credited to your Digital Currency Account, including for suspected fraud or illegal activity, in response to a subpoena, court order, or other government order, or if we believe that the transaction is erroneous.

d. Access to Digital Currency upon Termination. You will be permitted to transfer your Digital Currency or USD funds held in your Digital Currency Account for ninety (90) days after your access to the Digital Currency Services have been deactivated or cancelled, unless such transfer is otherwise prohibited (i) under the law, including but not limited to applicable sanctions programs, or (ii) by a facially valid subpoena or court order.

13. Digital Currency Gifting
Gangsta Pay may permit you to send or receive a Digital Currency-denominated gift to or from other Gangsta Pay users, respectively, or to receive such a gift from us as part of a promotional marketing interaction (each, a “Digital Currency Gift”). When initiating a Digital Currency Gift transaction, the sender does not, in fact, transfer Digital Currency to the recipient. Rather, the sender of a Digital Currency Gift is sending Fiat Currency to the recipient via Gangsta Pay Peer-to-Peer Service, using the Gangsta Pay Balance held by the sender, and Gangsta Pay will prompt the recipient of a Digital Currency Gift to complete a Buy order to purchase Digital Currency with the Fiat Currency received from the sender.

The recipient of a Digital Currency Gift has no obligation to purchase Digital Currency with the Fiat Currency received. If the recipient chooses not to complete a Buy order upon receipt of the Digital Current Gift, or if the recipient fails to complete a Buy order within 21 days of receiving a Digital Currency Gift, then (i) in the case of a Digital Currency Gift received from another Gangsta Pay user, the gifted funds will be deposited as Fiat Currency into the recipient’s Gangsta Pay Balance, and (ii) in the case of a Digital Currency Gift received from us as part of a promotional marketing interaction, the gifted funds will be returned to us. The recipient is solely responsible for submitting a Buy order to acquire Digital Currency using the Fiat Currency received via the Digital Currency Gift, and such Buy order is entirely at the direction and instruction of the recipient.

You acknowledge and agree that the value of Digital Currency at the time a sender initiates a Digital Currency Gift may be higher or lower, relative to Fiat Currency, than the value of Digital Currency at the time a recipient of a Digital Currency Gift chooses to accept such gift and place a Digital Currency Buy order. Moreover, Digital Currency purchased by the recipient, as a result of a Digital Currency Gift, may lose value, and any lost value will not be reimbursed or replaced by us. Purchasing is a risky activity and may involve loss. Please carefully review the Digital Currency risk disclosures before placing any  Custom Order. Following the receipt of a Digital Currency Gift and the placement of a subsequent Buy order of Digital Currency, a recipient will have to sell its Digital Currency in order to receive any Fiat Currency. Selling Digital Currency may have tax implications, and we will not provide any reimbursement or compensation for the tax consequences of selling Digital Currency. If you have questions about your particular tax situation, you should consult a tax advisor

1. Gifting
Gangsta Pay may permit you to send a “Gift”  to another person (the “Recipient”). When you send a Gift , you are sending an amount of Fiat Currency that the Recipient may use to initiate a self-directed purchase of the Gift you identified in the Gift. The Recipient may decline to make a self-directed purchase of the and instead accept the Gift as cash.

To receive a Gift, the Recipient must have a Gangsta Pay accounts

XI. Cash for Business
1. Transaction Processing for Sellers of Goods or Services
If you are a seller of goods or services, we will process your transactions as an agent on your behalf. We will charge you a fee, depositing the balance of payments from your customers into your Gangsta Pay balance. You allow us to void transactions if we believe that a chargeback for the transactions will occur.

If you are a seller of goods or services, your profile will be marked with an official insignia or will otherwise be designated as having a “Cash for Business Account.” You must have an Unrestricted Account to be a Cash for Business Seller. If you have a Cash for Business Account, you are also subject to the Cash for Business Payment Terms.

In connection with your Cash for Business Account, you authorize us to act as your agent for the purposes of holding, receiving, and disbursing funds on your behalf. Once you have a Cash for Business Account you will be able to accept payments from Gangsta Pay customers for the sale of goods and services, and we may charge you a fee for doing so. This fee will be disclosed to you when you sign up for your Cash for Business Account. Payments you receive, less the applicable fee, will be deposited to your Gangsta Pay Balance. To protect the integrity of the system and reduce risk that a transaction may be reversed on (or charged back to) your Cash for Business Account, in some cases where we reasonably believe a transaction is likely to be reversed (or charged back), you also direct and authorize us, as your agent, to void the transaction.

2. Purchases from Cash for Business Sellers
You may use your account or a linked card to purchase goods and services from Cash for Business sellers. By initiating a payment to a Cash for Business seller, you agree to let that seller debit your account or linked card to complete the transaction. You can use your Gangsta Pay Balance to purchase goods and services from Cash for Business sellers only after we have verified your identity.

As a Gangsta Pay customer, you may purchase goods and services from merchants who use Cash for Business (Cash for Business Sellers) or to make donations to charities or political campaigns who use Cash for Business. Note that you can fund these purchases from your Gangsta Pay Balance only if we have verified your identity as described above. If we have not yet verified your identity, then you will not be able to use your Gangsta Pay Balance to purchase goods or services from Cash for Business Sellers or to make donations to charities or political campaigns who use Cash for Business. You may only use other authorized linked accounts for such transactions.

Typically Cash for Business Sellers will be identified to you by a badge in the Gangsta Pay App. By initiating a payment transaction to a Cash for Business Seller, you authorize the Cash for Business Seller to charge your applicable Eligible Transaction Account or Eligible Credit Account to complete the purchase or donation and you consent to sharing information from your Account with the Cash for Business Seller. In the event you are entitled to a reversal, refund, chargeback, or other adjustment associated with any purchase you made through Cash for Business, you also authorize a credit to the applicable Eligible Transaction Account or Eligible Credit Account to accomplish that transaction. Purchases from Cash for Business Sellers using your Eligible Credit Account or Eligible Bank Account will be processed by HALFCASH SOLUTION INC. as an agent for Cash for Business Sellers in accordance with these Gangsta Pay Terms.

XII. Transaction Information and Disputes
1. Receipts and Account Statements
You can find your transaction receipts and account statements in your Gangsta Pay account.

Transaction receipts can be found in the activity section of your Gangsta Pay App and by logging into your Account at Gangsta Pay.app.

You have the right to receive an Account statement. You may view your Account statement by logging into your Account at Gangsta Pay.app.

You may obtain information about the amount of money you have remaining in your Account and can view your 12-month and 24-month history of Account transactions in the App or at (www.gangstapay.com)

2. Error and Dispute Resolution
Contact us if you see any errors or issues with your account. Our contact info is below, along with a description of the process and timeline for us to look into your issue. We’ll need some basic information from you to begin our investigation.

If you believe there are errors on your Account, or you have questions about your Account, you can:
a. Contact us through your Account in the app:
Open your profile and tap Support
Tap Something Else
Tap Cash Bills
Tap Dispute a Purchase and follow the prompts to Contact Support. Once you’ve contacted support, we’ll send you a form to initiate an investigation.

b. Call us at 1-646-335-7923. Please note (1) this is the only phone number customers can call for Gangsta Pay support, and (2) a Gangsta Pay representative will never ask you for your password, PIN, social security number or full debit card number.

c. Write us at HALFCASH SOLUTION, INC.., Attn: Cash Disputes, 2067 Valentine Ave Bronx New York 10457.

Please contact us as soon as you can if you think an error has occurred on your Account. You can report an error up to 60 days after the date we sent you the first statement on which you believe the error occurred.

In order for us to investigate your claim, you will need to provide:
Your name and Account information (including Name, email and/or phone number);
Why you believe there is an error,
The dollar amount involved; and
Approximately when the error took place.
If you contact us by telephone, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 45 days to investigate your complaint or question. If we decide such a step is necessary we will credit your Account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within 10 business days, we may, at our discretion, not credit your Account.

For errors involving new Accounts, as well as point-of-sale transactions, we may take up to 90 days to investigate your complaint or question. For new Accounts, we may take up to 20 business days to credit your Account for the amount you think is an error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error resolution procedures, call us at 1-646-335-7923, please note (1) this is the only phone number customers can call for Gangsta Pay support, and (2) a Gangsta Pay App representative will never ask you for your password, PIN, social security number or full debit card number.

For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

3. Your Liability for Unauthorized Transactions
Contact us as soon as possible if you think there has been unauthorized activity on your account. You could lose all the money in your Account.

Tell us AT ONCE if you believe your Cash Bills (including your Mobile numbers) has been lost or stolen, or if an electronic fund transfer has been made by logging in to your Account without your permission (an “Unauthorized Transaction”).

You may contact us through the Support tab of Gangsta Pay App as described in the Error and Dispute Resolution section above, by calling 1-646-335-7923, or by writing to us at HALFCASH SOLUTION INC, Attn: Cash Disputes, 2067 VALENTINE AVE BRONX NEW YORK 10457.

If you tell us within 2 business days (Monday through Friday, holidays not included) after you learn of an Unauthorized Transaction, you can lose no more than $50. If you do NOT tell us within 2 business days after you learn of an Unauthorized Transaction, and we can prove we could have stopped someone from making an Unauthorized Transaction if you had told us, you could lose as much as $500. If your statement shows transfers that you did not make, including those made by QR, code or other means, you must also tell us at once. If you do not tell us within 60 days of the date we sent you the first statement on which the Unauthorized Transaction appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you have a Cash for Business Account, you may be liable for all Unauthorized Transactions, regardless of when you report the activity to us.

The following are NOT considered Unauthorized Transactions:
If you give someone access to your Account (e.g. by giving them your login information) and they use your Account without your knowledge or permission, unless you have notified us that transfers by that person are no longer authorized;
If you, or someone else with whom you are acting in concert, act with fraudulent intent; or You reverse engineer or chargeback a transaction made with your Cash Bills.
A misdirected payment, such as a payment that is sent to the wrong person, is an authorized payment, and will not be considered an Unauthorized Transaction.

4. Our Liability

When we will cover your losses for certain incomplete or incorrect transactions, detailed here.

If we do not complete a transaction to or from your Account on time or in the correct amount in accordance with these Gangsta Pay Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

 If, through no fault of ours, you have insufficient funds in your Account, Eligible Transaction Account or Eligible Credit Account to complete the transaction;

If your funds are subject to legal process or other encumbrance that restricts transfers;

If the ATM where you are making the Transaction or using your Cash Bills does not have enough cash;

If the Gangsta Pay App was not working properly and you knew about the breakdown when you started the transaction;

If circumstances beyond our control prevent the transaction, despite reasonable precautions that we have taken.

5. Disputes with your Funding Source

When you contest a transaction with your external funding source (such as the bank that issued your linked debit card), your rights when requesting reimbursement for a completed transaction are determined by the funding source used to fund the applicable transaction.

Each of your external funding sources may provide you with different rights and resolution procedures for resolving disputes. Please consult the terms and conditions of your funding source to better understand your rights and their resolution procedures. All inquiries about a third party dispute should be directed to the external funding source.

XIII. OTHER LEGAL TERMS

1. Recovery of Funds

You give us permission to recover amounts you owe by debiting funds available in your Gangsta Pay account or any other account you may have with HALFCASH SOLUTION INC.. This may involve us making attempts to recover less than the full amount you owe to us. We might contact you or take other legal actions to collect amounts due.

You authorize HALFCASH SOLUTION INC. to recover funds from you in accordance with these Service Terms and any other agreement you have with us, including if you owe amounts to us or for reason of fraud or illegal activity.

You authorize HALFCASH SOLUTION INC. to debit, charge, setoff against and otherwise recover funds from your Account, your Gangsta Pay Balance, any Eligible Bank Account or Eligible Credit Account, any connected HALFCASH SOLUTION INC. Account, any Balance (as defined in the Payment Terms) or any Reserve (as defined in the Payment Terms) if applicable, and any payment instrument, linked bank, depository and other account registered in your Account. Your authorization will remain in full force and effect until the later of closure or termination of your Account, or the disbursement of all funds held on your behalf.

Further, in the event that any attempt to recover funds from you should fail, your authorizations hereunder include your grant to HALFCASH SOLUTION INC. of new, original authorizations to recover all or less than all of the amount you owe us or belong to us. You authorize HALFCASH SOLUTION INC. to take the above steps without prior notice to you and irrespective of (i) whether we have made demand under these Cash Terms, the Payment Terms, the General Terms or any other agreement you have with us; and (ii) whether the obligation is contingent, matured or unmatured. Your authorization hereunder includes all authorizations to take the above steps in complete compliance with the Network Rules and the NACHA Rules (as defined in the Payment Terms). You agree that your grant of the authorizations hereunder has the same legal effect as if you had signed a paper containing the same terms.

If HALFCASH SOLUTION INC. is unable to recover the funds by these means, HALFCASH SOLUTION INC. may attempt to contact you or may take other legal actions to collect the amounts due, to the extent allowed by applicable law.

We may also recover funds from your Account in connection with a disputed transaction. For example:

If a Gangsta Pay customer that sent you money disputes the payment and requests reimbursement for a payment you previously received, HALFCASH SOLUTION INC. may recover the amount disputed or owed from your Gangsta Pay balance.

If you initiate a transaction dispute with an external funding source and win that dispute, we may recover the funds from your Account.

If there aren’t sufficient funds in your Account to cover the disputed amount, you understand that HALFCASH SOLUTION INC. recovery of these funds may cause your account to become negative.

HALFCASH SOLUTION INC. is not liable for funds that we recover from your Gangsta Pay balance to cover: a negative balance on your linked HALFCASH SOLUTION INC. account(s); the amount owed to HALFCASH SOLUTION INC. under its terms of service; or a pending dispute or chargeback; or to protect against financial risk as outlined in these terms.

2. Compliance with Governmental Authorities
HALFCASH SOLUTION INC. may freeze, withhold, or remit funds in your Account in response to a facially valid subpoena, court order, search warrant, noti…