Terms and Conditions

Last Updated: June *, 2025

AGREEMENT TO OUR LEGAL TERMS

Thank you for using Halfmore.

These Legal Terms (the “Legal Terms”) are a binding agreement between you and Halfmore, Inc. and its subsidiaries and affiliates ("Halfmore," "we," "us," "our"), a company registered in California, United States at 135 Seale Ave, Palo Alto, CA 94301.

We operate the website https://www.halfmore.co (the "Site"), the mobile application (the "App"), as well as any other related products and services that refer or link to these Legal Terms (collectively, the "Services"). Please read these Legal Terms carefully.

Our Services provide a technology platform that enables users (“you” or “your”) to establish and manage lawful household employment relationships with your minor children. Through our tools, you may designate your child as a domestic worker under applicable federal and state labor laws, perform required administrative functions, facilitate the generation of earned income, and contribute to a custodial Roth Individual Retirement Account (“Roth IRA”).

Halfmore does not offer investment advisory, brokerage, or financial account services. Instead, we provide technology-based solutions and administrative infrastructure to support legal compliance in connection with household employment, including but not limited to:

(i) generating employment agreements and related legal documents;
(ii) managing payroll processing, time tracking, and wage payments; and
(iii) providing reporting tools to assist with applicable tax filings.

Our Services include the ability to transfer funds from your funding sources, such as your bank account (the “Bank Account”), into your child’s bank account or a joint account owned by and between the Custodian and your child (the “Joint Account”), and then to the Roth IRA. The “Custodian” hereby refers to you or a parent of a child who is authorized to establish and manage the Roth IRA on behalf of his or her child or minor.

By using our Services, you acknowledge that you are the employer of record and that our platform acts solely as a facilitator of the administrative processes required to establish and maintain a compliant household employment relationship. Any investment decisions or custodial Roth IRA contributions made on behalf of your minor child are your responsibility and must comply with all applicable IRS rules governing custodial accounts and earned income eligibility.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity, and Halfmore concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to and will be deemed to have been made aware of and to have accepted the changes in any updated Legal Terms by your continued use of the Services after the date such updated Legal Terms are posted.

All minor users who are in the jurisdiction in which they reside (generally under the age of 18) must have permission of and be directly supervised by their parents or guardian to use the Services. If you are a minor, you must have your parents or guardian read and agree to these Legal Terms prior to you using the Services.

We recommend that you print a copy of these Legal Terms for your records.

1. OUR SERVICES

Halfmore Services Overview

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

Our Services may be subject to the requirements of Gramm-Leach-Bliley Act (GLBA), which governs the privacy and security of your financial information. While we take reasonable measures to protect your information as required by GLBA, it is your responsibility to ensure that your use of the Services does not violate GLBA. For more details, please review our GLBA notice.

As the provider of the Services, Halfmore does not own, control, offer or manage the employment relationship between the Custodian and your child. Halfmore is not a party to any contracts entered into directly between the Custodian and your child nor is Halfmore a labor services provider, contractor, employer or insurer.

Third Party Account Linking

You may have the option to use a secure third-party service to link your financial accounts, such as the Bank Account, the Joint Account or/and a custodial Roth IRA (each, a “Linked Account” and collectively, the “Linked Accounts”) through our App. By linking any Linked Account, you expressly authorize and direct Halfmore to:

(a) access to third party sites, databases, and other services associated with the Linked Accounts;

(b) access, retrieve, and use your Linked Account Information or any other information you direct us to access on an ongoing basis (“Linked Account Information”);

(c) share your Linked Account login credentials or other information; and

(d) have full power and authority to take any additional steps necessary to access, retrieve, and use your Linked Account Information in accordance with these Legal Terms and our Privacy Policy.

You acknowledge and agree that when Halfmore accesses, retrieves, and uses your Linked Account Information, it is acting as your agent, and not as the agent of or on behalf of any other party. The Linked Account Information may include ACH authentication information (such as account and routing numbers), transaction data, identity verification information, and account balance details. By linking your Linked Account, you authorize and direct Halfmore to engage third-party service providers, such as Plaid or Astra, to indirectly perform any of these services on your behalf. If a third-party service provider is used to access your Linked Account Information, they will provide your Linked Account Information to Halfmore on your behalf to respond to your inquiries, fulfill your requests, and provide you with customer service, and facilitate your use of the Services.

Halfmore does not review, verify, or take responsibility for the accuracy, legality, or non-infringement of the Linked Account Information provided or displayed through the App or Site. By using the Services, you acknowledge and agree that Halfmore is entitled to rely on the foregoing authorization and direction you provide or grant regarding the Linked Account Information. You represent and warrant that you are the lawful owner of, or have the necessary authority to provide, all Linked Account Information to Halfmore. You confirm that you have the right to grant the permissions set forth herein, and Halfmore’s use of the Linked Account Information, including any actions taken by the third party service providers in accordance with these Legal Terms, does not and will not violate any applicable laws or infringe upon the rights of any third party.

Halfmore relies on third-party service providers to retrieve certain data and information displayed on its App or Site. While Halfmore makes reasonable efforts to ensure seamless integration and accuracy, Halfmore cannot guarantee the availability, accuracy, or timeliness of data retrieved from these providers. You acknowledge and agree that technical issues, delays, or other unforeseen problems with third-party service providers may occur, resulting in failure to retrieve data, data loss, or interruptions in service availability. Halfmore is not responsible for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data or communications. For example, Linked Account Information displayed on the App or Site is current only as fresh as the time shown, which reflects when the information was last retrieved from the relevant third party provider’s site. This information may not reflect the most up-to-date data available directly from the third party service provider’s site.

Fund Transfer and Verification Services

To use the fund transfer service within our App, you may be required to open an "Astra Platform" account with Astra, Inc. (“Astra Account”), and must accept the Astra Terms of Service and Privacy Policy. As part of the process, a Know Your Customer (KYC) verification will be conducted by Astra to ensure compliance with the financial regulations before any fund transfer can be made.
This service enables automated recurring payments and secure bank transfers. By using this service, you authorize Halfmore to collect and share your personal information with Astra, including but not limited to, your full name, date of birth, social security number, physical address, email address and financial details. You are responsible for the accuracy and completeness of this information

We use Plaid Inc. (“Plaid”), a third-party service provider, to verify the Linked Account Information, connect the App to the Linked Account, validate account details, confirm the availability of funds in your Linked Account, and facilitate the processing and completion of transactions. This integration service allows you to make timely payments and manage payroll for your child. You understand that your bank information will be accessed securely through our App using Plaid’s services. Notifications related to this bank account verification will be sent by Halfmore, and we will provide customer support for any issues related to Plaid’s account verification process. To learn more about Plaid’s privacy practices, please visit https://plaid.com/legal.

As a user, you are solely responsible for linking the correct and accurate funding sources for fund transfer and verification services. You must ensure that any Bank Account is in your name, and any Joint Account is correctly set up under your child’s name, together with your or the Custodian’s name. Halfmore is not responsible for any misdirect transactions or unintended fund transfers due to linking incorrect accounts. Please carefully verify all account details before initiating transfers.

For any support regarding the funds transfer and verification services, please contact Halfmore at support@halfmore.co.

Employer Identification Number (EIN) Assistant Service

Halfmore offers a service to assist household employers in obtaining an Employer Identification Number (EIN) through the Services. Our employees or agents will prepare and submit your EIN Application ("EIN Application") to the Internal Revenue Service (IRS) on your behalf. By using our Services, you authorize and appoint Halfmore as your third party designee for purpose of the EIN Application process. This authorization allows Halfmore to receive and respond to any IRS notices related to your EIN Application. Please note that Halfmore acts solely as your agent in this process and is not affiliated with, nor representative of, any governmental or regulatory agencies, including the IRS. As an alternative, you may apply for an EIN directly at no charge through the official IRS website at IRS.gov.

By using our EIN assistant service, you agree to provide all necessary information, including, but not limited to your name, address, and Social Security Number, for the EIN Application. Please note that this EIN creation service does not provide legal advice, and no attorney-client relationship is established through the use of this service. While Halfmore makes reasonable efforts to protect your information in accordance with our Privacy Policy, we do not provide any guarantees of confidentiality regarding the information submitted.

Halfmore makes no guarantee regarding the accuracy, completeness, adequacy, or currency of the information provided through our Services. You are solely responsible for ensuring that all tax filings, including the EIN application, are completed correctly and in accordance with IRS regulations. Halfmore is not liable for any errors or omissions in the tax filing process or for ensuring that the EIN application is submitted correctly.

Payroll Service

Halfmore offers eligible employers with payroll and payroll tax related reporting services (collectively, the “Payroll Service"). This includes, but is not limited to, calculating and processing your payroll, making related payments, preparing and filing necessary tax documents such as forms related to employment eligibility and verification, payroll tax reporting, and authorization of third-party agents to manage your tax filings. Halfmore will file these documents with the appropriate tax authorities on your behalf to ensure compliance with federal and state tax reporting requirements. By using this service, you, as the employer, authorize Halfmore to act as your agent in providing the Payroll Service, including managing payroll and handling payroll tax filings and reporting. You are responsible for completing all required tax agency forms and electronic authorizations to confirm such authorization.

Please note that Halfmore will initiate the Payroll Service for your child only upon receipt of the required Subscription Fee, your EIN, and all requested information to Halfmore. You must ensure that such information is accurate and complete. Halfmore will not process payroll or tax documentation for any period prior to the activation of the Payroll Service. You further acknowledge that Halfmore is responsible solely for providing tax reporting services related to income generated through activities conducted on the Halfmore platform. If you child has additional income outside of our platform, your child is solely responsible for using the tax documents we provide – limited exclusively to the Halfmore platform-related-activities - and for ensuring accurate and complete tax reporting for all income sources independently. Additionally, Halfmore is not responsible for and cannot control the acts or omissions of tax agencies, and that tax agencies will review and process tax filings and notices at their own discretion and according to their own processing schedules. You accept final responsibility for any audits or assessments by any tax agency or authority, including without limitation, those resulting from your failure to provide correct and complete the required payroll information.

Employment Support Service

Halfmore offers a service to assist in the creation and facilitation of a letter of employment between you as the employer and your child as the employee (the “Letter of Employment”). This service allows you to set specific terms for the employment terms, including but not limited to defining an hourly wage, defining hours of work, assigning and selecting household tasks, and determining the schedule and compensation for these tasks. These terms will be used to generate the Letter of Employment, which can be electronically signed by you on behalf of your child through our App or the Site.

While Halfmore provides this service, Halfmore is not a legal advisor, tax advisor, or employment consultant. The Letter of Employment is generated based on the information you provide and is offered solely as a facilitation tool. Halfmore does not guarantee the legality or enforceability of the Letter of Employment or its contents.

By using this service, you acknowledge and agree that you are solely responsible for ensuring that all terms set through this service comply with applicable laws, including but not limited to child labor laws, family employment regulations, wage and hour requirements, and tax obligations. Any disputes, claims, or legal issues arising between you (the employer) and your child (the employee) are solely your responsibility.

Halfmore shall not be liable for any legal disputes, claims, penalties, damages, or issues arising from or related to errors, omissions, or inaccuracies in the Letter of Employment, your failure to comply with applicable laws or regulations, or any actions, inactions, or disputes between you and your child.

Publicly Available Sites for Educational Use Only

Halfmore is not a financial advisor, investment advisor, or tax advisor. The publicly available parts of the App and the Site are provided for educational purposes only and do not constitute personalized investment, legal, tax, or financial advice. By using these publicly available parts of the App and the Site, you acknowledge and agree that you are solely responsible for your own investment research and decisions. Halfmore will not be liable for any actions you take based on the information provided through these publicly available parts of the Services.

Investment Performance and Risk of Loss

Halfmore does not guarantee the likelihood or probability of any investment achieving a particular outcome or performing in a predictable manner. No representation is made that any investment will or is likely to generate profits or avoid losses. Investments made through the custodial Roth IRA may decrease in value, and such investments carry certain tax-related considerations and risks.

The return, composite, and performance information shown on the Services concerning a particular investment option include information from third party sources, such as independent market quotations and index information. While Halfmore believes these third-party sources or information are reliable, we do not guarantee its accuracy or completeness of the information. Historical performance information shown on the Services may not reflect the actual performance of any specific investor’s account and may not account for all factors that could influence an individual’s investment performance. Past performance is not indicative of future results and returns in any given period may differ significantly from those of previous periods.

Authorized Approver

These Legal Terms govern the relationship between Halfmore, the Custodian, and your child. The Custodian has the right to designate a spouse of the Custodian or a parent of a child (“Authorized Approver”) to assume certain responsibilities and obligations related to the Roth IRA. The rights, privileges, and authorities of the Custodian are equally applicable or extended to the Authorized Approver subject to the following limitations:

(i) the Authorized Approver cannot close the Custodian’s Halfmore account;
(ii) the Authorized Approver cannot remove the Custodian’s access to or control over the custodial Roth IRA; and
(iii) the Authorized Approver may approve funds transfers to or from the Linked Account.

By designating the Authorized Approver, you, the Custodian: (i) represent and warrant that the Authorized Approver is at least eighteen (18) years old (or older if you reside in a state where the age of majority is older than 18); and (ii) agree to accept full responsibility for the Authorized Approver’s use of the Services, including any financial charges, legal liabilities, or obligations incurred by the Authorized Approver in connection with the Custodian’s Halfmore account as a result of his/her use of our Services. You, the Custodian, retain the right to revoke the Authorized Approver’s access or authority at any time through the App or the Site.

2. CONDITIONS OF USE

You agree to comply with all applicable laws, including, but not limited to, child labor laws, privacy laws, intellectual property laws, anti-spam laws, tax laws, and regulatory requirements. You are solely responsible for ensuring that the terms and conditions set up through our Services comply with these laws, particularly with respect to tasks and activities involving your child.

As the Custodian, you are responsible for supervising and protecting your child during their chore shifts and ensuring that any tasks or activities assigned through the Services comply with all applicable federal, state and local child labor laws and regulations. You are solely responsible for ensuring compliance with these laws, as Halfmore does not monitor, verify, or guarantee compliance.

The Services are designed solely to assist with administrative tasks related to household employment, including payroll processing and related tax reporting. They are not intended to provide financial, legal, or investment advice, nor to establish or manage the employment relationship itself. You agree to indemnify and hold Halfmore harmless from any claims, damages, or liabilities arising from non-compliance with applicable child labor laws or other applicable regulations related to the use of the Services.

You must be 18 years of age or older to use the Services, and your child must be a U.S. citizen or lawful permanent resident.

3. INTELLECTUAL PROPERTY RIGHTS

Our intellectual property

We are the owner or the licensor of all intellectual property rights in our Services, including but not limited to all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").

Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.

The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to:

  • access the Services; and
  • download or print a copy of any portion of the Content to which you have properly gained access.

solely for your personal, non-commercial use.

Except as set out in this section or elsewhere in these Legal Terms, you may not copy, reproduce, aggregate, republish, upload, post, publicly display, encode, translate, transmit, distribute, sell, license, or otherwise exploit any part of the Services, Content, or Marks for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as expressly permitted in these Legal Terms, please contact us at support@halfmore.co. If we grant you permission to post, reproduce, or publicly display any part of our Services, Content or Marks, you must credit us as the owners or licensors of the Services, Content, or Marks and ensure that any applicable copyright or proprietary notices are clearly visible.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.

Any breach of these intellectual property rights will constitute a material breach of these Legal Terms, and your right to use our Services will terminate immediately.

Your submissions

Please review this section and the "PROHIBITED ACTIVITIES" section carefully prior to using our Services to understand the (a) rights you grant us and (b) your obligations when posting or uploading Content through the Services.

Submissions: By submitting any questions, comments, suggestions, ideas, feedback, or other information about the Services ("Submissions"), you agree to assign all intellectual property rights in such Submission to us. You acknowledge and agree that we will own the Submission and have the right to use, modify, distribute, and disseminate it for any lawful purpose, commercial or otherwise, without obligation to acknowledge or compensate you.

You are responsible for what you post or upload: By submitting Submissions through the Services, you confirm the following:

  • you have read and agree to our "PROHIBITED ACTIVITIES" and will not post, send, publish, upload, or transmit any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, discriminatory, threatening, sexually explicit, false, misleading or otherwise objectionable;

  • to the extent permissible by applicable law, you waive any and all moral rights to your Submissions;

  • your Submissions are either original to you, or you have the necessary rights and licenses to submit them, and you have full authority to grant us the rights as outlined in this section; and

  • your Submissions do not constitute confidential information.

You are solely responsible for the content of your Submissions, and you expressly agree to indemnify and hold us harmless from any and all losses, damages, or liabilities arising from your breach of (a) this section, (b) violation of third party intellectual property rights, or (c) any applicable laws.

4.  YOUR REPRESENTATIONS

By using the Services, you represent and warrant that: (i) all registration information you submit or provide is true, accurate, current, and complete; (ii) you will maintain the accuracy of such information and promptly update it as necessary; (iii) you have the legal capacity to agree to and to comply with these Legal Terms; (iv) you are not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission and consent to use the Services; (v) you will not access the Services through automated or non-human means, including but not limited to bots, scripts or similar methods; (vi) you will not use the Services for any illegal or unauthorized purpose; and (vii) your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, outdated, or incomplete, we have the right to suspend or terminate your Halfmore account and refuse any future use of the Services, in whole or in part.

5. YOUR REGISTRATION

You may be required to register to access and use the Services. You agree to keep your password confidential and are solely responsible for all use of your account and password. We reserve the right to remove, reclaim, or change any username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

6.  SUBSCRIPTION FEE AND PAYMENT

You authorize Halfmore to automatically withdraw your subscription fee (the “Subscription Fee”) from your linked specified account (“Linked Withdrawal Account”) via recurring electronic ACH debit entries in the amount and frequency as stated during the enrollment process (the “Withdrawal Authorization”). The effective date of the Withdrawal Authorization is the first scheduled withdrawal date.

You agree to provide current, complete, and accurate payment and account information for any fees or charges associated with your use of the Services. This includes updating information such as your email address, account and routing numbers so that we can process and complete your transactions, and contact you as needed. All payments must be made in US dollars.

We reserve the right to change the Subscription Fee for the Services at any time. If there are changes to the Subscription Fee, we will notify you in advance via email to the email address you have registered with us. If you do not wish to accept the changes to the Subscription Fee, you may cancel your subscription in accordance with the instructions provided in the email. Your continued use of the Services after such notification constitutes your agreement to the updated Subscription Fees.

By subscribing our Services, you authorize us to charge your Linked Withdrawal Account for the Subscription Fee or any updated Subscription Fee. For recurring charges, you consent to automatic charges to your payment method on a recurring basis until you cancel the applicable Services. We reserve the right to correct any errors or mistakes in fees or charges, even if we have already requested or received payment.

We reserve the right to refuse or cancel any subscription to the Services at our discretion. This includes, but is not limited to, situations where multiple subscriptions are linked to the same account, payment method, or billing address. We may also limit or prohibit access and use of the Services if, in our sole judgment, the subscriptions or activity appear to be associated with resellers, distributors, or other parties using the Services in a manner inconsistent with personal or authorized use.

7.  SUBSCRIPTION POLICY

Subscription Plan

We offer subscription plans tailored to your needs. By subscribing to our Services, you agree to the following terms:

  1. Payment and Renewal

Subscription Fee is billed upfront for the full term following the completing of the free trial period, unless otherwise stated. Payment will be charged in accordance with Clause 6 set forth above. Unless cancelled in accordance with the cancellation policy below, your subscription will automatically renew for the same term at the then-current date. You can view your next recurring billing date by logging into your Halfmore account and viewing your account details.

  1. Early Termination Fee

If you choose to cancel your subscription before the end of the agreed subscription term, an early termination fee will apply. The fee is calculated as 50% of the remaining balance of the unused portion of the subscription term. The calculation is based on the standard, non-discounted subscription rate for the unused time or months of the term, excluding any discounts or promotional pricing applied to your subscription plan.

  1. Cancellation Policy

Subscriptions can be canceled at any time by contacting customer support or through your Halfmore account settings. Cancellation will take effect immediately. An early termination fee, as described above, will be charged, and only the remaining balance for unused time will be refunded if the full amount was paid upfront, unless otherwise specified.

  1. Modifications to Plans and Pricing

We reserve the right to modify the pricing or features of subscription plans at any time. Changes will take effect upon renewal, and you will be notified in advance.

8.  PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than those expressly provided by us. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us in writing.

As a user of the Services, you agree that you will not:

  • Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without our written permission.
  • Deceive, defraud, or mislead us and other users, especially in attempts to access sensitive account information such as user passwords.
  • Circumvent, disable, or otherwise interfere with security features of the Services, including features that prevent or restrict the use or copying of Content or enforce limitations on the use of the Services and/or the Content contained therein.
  • Engage in activities that disparage, tarnish, or otherwise harm us and/or the Services, as determined in our sole discretion.
  • Use information obtained from the Services in order to harass, abuse, or harm another person.
  • Make improper use of our support services or submit false reports of abuse or misconduct.
  • Use the Services in a manner inconsistent with any applicable laws or regulations.
  • Engage in unauthorized framing of or linking to the Services.
  • Upload, transmit, or attempt to distribute viruses, Trojan horses, or other harmful material, including excessive use of capital letters and spamming (continuous posting of repetitive text), or any other activity that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
  • Use automated systems, such as scripts or bots, for sending comments or messages, or engage in data mining or similar data gathering and extraction tools without authorization.
  • Delete or remove the copyright or other proprietary rights notice from any Content.
  • Attempt to impersonate another user or person or use another user’s account without authorization.
  • Upload or transmit (or attempt to upload or to transmit) any material designed to passively or actively collect data, such as clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms").
  • Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
  • Harass, annoy, intimidate, or threaten any of our employees or agents involved in providing the Services.
  • Bypass or attempt to bypass any measures designed to prevent or restrict access to the parts of the Services.
  • Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
  • Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
  • Use, launch, develop, or distribute automated systems, including without limitation, any spiders, robots, cheat utilities, scrapers, or offline readers to access the Services, except for standard search engines or Internet browser usage.
  • Act as a purchasing agent or intermediary to make unauthorized purchases on the Services.
  • Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
  • Use the Services to compete with us, generate revenue, or engage in unauthorized commercial enterprise.
  • Use the Services to advertise or offer to sell goods and services.
  • Sell, lease, or otherwise transfer ownership of your account or profile without our prior written consent.

9.  YOUR GENERATED CONTRIBUTIONS

We may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or through the Services. This includes but is not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit will be treated in accordance with our Privacy Policy. When you create or make available any Contributions, you thereby represent and warrant that:

  • The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
  • You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms.
  • You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.
  • Your Contributions are not false, inaccurate, or misleading.
  • Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
  • Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).
  • Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
  • Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
  • Your Contributions do not violate any applicable law, regulation, or rule.
  • Your Contributions do not violate the privacy or publicity rights of any third party.
  • Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.
  • Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.
  • Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation.

Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

10.  CONTRIBUTIONS AND FEEDBACK

You acknowledge and agree that we may access, store, process, and use any information including personal data that you provide in accordance with our Privacy Policy and your settings or preferences.

By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.

We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights, or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services, and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

11.  MOBILE APPLICATION LICENSE

Use License

If you access the Services via the App, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, and to access and use the App on such devices strictly in accordance with the terms and conditions of this mobile application license contained in these Legal Terms (“Mobile Application License”). You shall not: (i) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App; (ii) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App; (iii) violate any applicable laws, rules, or regulations in connection with your access or use of the App; (iv) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the App; (v) use the App for any revenue-generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended; (vi) make the App available over a network or other environment permitting access or use by multiple devices or users at the same time; (vii) use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App; (viii) use the App to send automated queries to any website or to send any unsolicited commercial email; or (ix) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the App.

Apple and Android Devices

The following terms apply when you use the App obtained from either the Apple Store or Google Play (each an "App Distributor") to access the Services: (i) the license granted to you for our App is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS or Android operating systems, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor’s terms of service; (ii) we are responsible for providing any maintenance and support services with respect to the App as specified in the terms and conditions of this Mobile Application License contained in these Legal Terms or as otherwise required under applicable law, and you acknowledge that each App Distributor has no obligation whatsoever to furnish any maintenance and support services with respect to the App; (iii) in the event of any failure of the App to conform to any applicable warranty, you may notify the applicable App Distributor, and the App Distributor, in accordance with its terms and policies, may refund the purchase price, if any, paid for the App, and to the maximum extent permitted by applicable law, the App Distributor will have no other warranty obligation whatsoever with respect to the App; (iv) you represent and warrant that (a) you are not located in a country that is subject to a US government embargo, or that has been designated by the US government as a "terrorist supporting" country and (b) you are not listed on any US government list of prohibited or restricted parties; (v) you must comply with applicable third-party terms of agreement when using the App, e.g., if you have a VoIP application, then you must not be in violation of their wireless data service agreement when using the App; and (vi) you acknowledge and agree that the App Distributors are third-party beneficiaries of the terms and conditions in this mobile application license contained in these Legal Terms, and that each App Distributor will have the right (and will be deemed to have accepted the right) to enforce the terms and conditions in this Mobile Application License contained in these Legal Terms against you as a third-party beneficiary thereof.

12.  THIRD PARTY SERVICES

Third Party Websites and Content

Our Services may contain (or you may be sent via the Site or App) links to third-party websites ("Third Party Websites") and may provide access to articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third Party Content"). We do not investigate, monitor, or verify the accuracy, appropriateness, or completeness of any Third Party Websites and Third Party Content. We are not responsible for the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third Party Websites or the Third Party Content. The inclusion of, linking to, or permitting the use or installation of any Third Party Websites or any Third-Party Content does not constitute our approval or endorsement. If you choose to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk. Once you leave the Services these Legal Terms no longer govern, and you should review the applicable terms, conditions, and policies, of any Third-Party Websites or the Third Party Content including privacy and data collecting policies. Any purchases you make through Third Party Websites constitute direct transactions between you and the applicable third party. Halfmore does not participate in, control, or assume any responsibility for such transactions. You acknowledge that we do not endorse or verify any third party products, services, or content, and you agree to hold us harmless from any losses, damages, or harm resulting from your use of Third Party Websites or your interaction with Third Party Content, including any disputes that may arise between you and other third party service providers.

Third Party Tools and Analytics

We may use third party tools and analytics services to enhance the functionality our Services and improve user experience. These tools may collect and process information about your usage of our Services, including but not limited to behavioral metrics, device information, and interactions within the App and the Site. We may use Microsoft Clarity to analyze user interactions through behavioral metrics, heatmaps, and session replays while sanitizing personal information. This helps us identify areas for improvement and optimize our Services. Microsoft Clarity deidentifies or anonymizes personal information during data collection. It does not share or transfer your data to other third parties, including other apps on your device.

For more details on how Microsoft Clarity collects and uses your data, please refer to its Privacy Statement.

13.  SERVICES MANAGEMENT

We reserve the right, but not the obligation, to: (i) monitor the Services for violations of these Legal Terms; (ii) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (iii) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (iv) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (v) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

14.  PRIVACY POLICY

We care about data privacy and security. Please review our Privacy Policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please note that the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.

15.  TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your Halfmore account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. We also reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

16.  MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason, at our sole discretion, without prior notice. While we make reasonable efforts to ensure that information on the Services remains accurate and up to date, we are not obligated to update any content on the Services, except as required by law. You agree that we shall not be held liable to you or any third party for any modification, price change, suspension, or discontinuation of the Services.

We cannot guarantee the Services will be available at all times. The Services may be subject to interruptions, delays, or errors due to hardware, software, or other issues, or during maintenance activities necessary to support the functionality of the Services. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services, in whole or in part, at any time or for any reason, without notice to you. You acknowledge and agree that we are not liable for any loss, damage, or inconvenience you may experience as a result of being unable to access or use the Services during periods of downtime, interruptions, or discontinuance.

17.  GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of California applicable to agreements made and to be entirely performed within the State of California, without regard to its conflict of law principles.

18.  CLASS ACTION WAIVER

You agree that any arbitration or proceeding shall be limited to the dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. You agree that you may bring claims against us only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

19. DISPUTE RESOLUTION

Informal Negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon a Party providing written notice to the other Party delineating the Dispute and announcing its intention to enter into an informal negotiation.

Binding Arbitration

If the Parties are unable to resolve a Dispute through good faith informal negotiations, the Dispute (except those Disputes expressly excluded below) shall be exclusively resolved through binding arbitration rather than court proceedings. YOU ACKWNOLEDGE THAT YOU ARE WAIVING YOUR RIGHT TO LITIGATE THE DISPUTE IN COURT BEFORE A JUDGE OR JURY. All arbitrations will be held in the English language, unless otherwise agreed to by the Parties. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable arbitrator rules or applicable law, the arbitration will take place in California. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in California, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non convenience with respect to venue and jurisdiction in such state and federal courts. Application of the Uniform Computer Information Transaction Act (UCITA) are excluded from these Legal Terms.

In no event shall any Dispute brought by either Party related in any way to the Services be commenced more than one (1) year after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

Restrictions

The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. These restrictions shall be enforced to the fullest extent permitted under applicable law.

Exceptions to Informal Negotiations and Arbitration

The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

20.  CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

21.  DISCLAIMER

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

22.  LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

23.  INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (i) your Contributions, (ii) use of the Services; (iii) breach of these Legal Terms; (iv) any breach of your representations and warranties set forth in these Legal Terms; (v) your violation of the rights of a third party, including but not limited to intellectual property rights; or (vi) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

24.  YOUR DATA

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall not be held liable to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

25. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

26.  CALIFORNIA USERS AND RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

27.  MISCELLANEOUS

These Legal Terms, any policies, or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the Parties hereto to execute these Legal Terms.

28.  FORCE MAJEURE

Neither Party shall be liable for any failure or delay in performing their obligations under these Legal Terms due to events beyond their reasonable control, including but not limited to natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics or epidemics, strikes, or shortages of transportation facilities, fuel, energy, labor or materials.

29. TAXES

We are not responsible for the calculation, determination, or anticipation of any taxes that may be assessed or owed by you related to the use of the website or Services. You acknowledge and agree that you are solely responsible for paying any taxes that may be incurred from using our Services.

30.  CONTACT US

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Halfmore, Inc.
135 Seale Ave
Palo Alto, CA 94301
United States
Phone: 650-304-4491
support@halfmore.co

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Halfmore, Inc. is a financial technology company, not a bank or investment advisor. Halfmore does not provide tax, legal, or investment advice. We do not serve in a fiduciary capacity, nor do we act as a broker-dealer or investment advisor. We expressly disclaim the provision of any fiduciary, broker-dealer, or investment advisory services, endorsements, recommendations, or advice. For tax, legal, or investment advice, please consult your own tax attorney or financial professional.

© 2025 Halfmore, Inc. All rights reserved.
650 Island Pl, Redwood City, CA 94065