Terms of use and Conditions

AB.MONEY app

Welcome to AB.MONEY
User Agreement (is a Public Offer)
1. General Terms and Conditions
Acknowledgment
1.1. The Platform (the Website and the Apps) is supported by AB. Money LLC, a Delaware corporation, having its principal place of business at 1201 Orange St Ste 600 Wilmington Delaware 19801 – 1171 United State (hereinafter “AB.MONEY” or “we”, “Company”).

1.2. The terms of this User Agreement governing the use of the Platform and the agreement that operates between You and the Company. These User Agreement set out the rights and obligations of all users regarding the use of the Platform. Your access to and use of the Platform is conditioned on Your acceptance of and compliance with these User Agreement.

1.3. The terms of use and conditions, specified in this Agreement apply to all visitors, users and others who access or use the Platform. By accessing or using the Platform, You agree to be bound by User Agreement. If You disagree with any part of User Agreement then You may not access the Platform. You represent that you are over the age of 13. The Company does not permit those under 13 to use the Platform. Your access to and use of the Platform is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Platform or the Website or Apps and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Platform.

1.4. Our platform is a set of APIs, SDKs, tools, plugins, software code, technologies, content and services (hereinafter the “Platform”).Under this User Agreement, we shall provide you with access to the Platform, and you shall use it in strict compliance with the terms and conditions of the User Agreement described below.

1.5. You are reading the User Agreement (hereinafter the “Agreement”) that shall govern the relations between you and us and set out the terms and conditions upon which you may access and use the Platform, our websites, services, applications, products and content (hereinafter jointly the “Services”). For the purposes of this Agreement, the words “you”, “your” and the “User” shall mean you as a user of the services.
If you access or use the services on behalf of an enterprise or an entity, (a) “you” and “your” shall mean a legal entity or an entity, (b) you warrant that you are an authorized representative of the enterprise or a person authorized by that legal entity to accept this Agreement and to consent to these terms and conditions on its behalf, and (c) your business or entity is legally and financially liable for accessing or using our services and for accessing or using your account by any other persons related to your entity, including employees, agents or contractors.
By reviewing and acknowledging the terms of this User Agreement and the Privacy Policy available at http://abmeditations.com, as well as this Agreement itself at https://abmeditations.com/terms_and_conditions, you agree to the processing of your personal data in accordance with applicable data protection laws, including the EU General Data Protection Regulation (GDPR), the UK GDPR, and the California Consumer Privacy Act (CCPA/CPRA).
You must accept this Agreement by clicking the “agree” button or a similar button. This action shall constitute your acceptance of our offer and entry into a binding contract with us, obliging you to comply with the terms of this Agreement.
Your actual use of the Platform, including use without registering an account where technically permitted, shall also be deemed acceptance of this Agreement.
By accessing the Platform and using the Services, you acknowledge that you have read and agree with the Privacy Policy https://abmeditations.com/privacy_policy, which is an integral part of this User Agreement.

1.6. By signing up for the Platform, you acknowledge that you are of the eligible age for signing up in accordance with the applicable laws Privacy Policy and/or have obtained all necessary consents (for example, of your parents) in all respects in accordance with the applicable laws, among other things, for the purposes of compliance with data protection laws. Otherwise, signing up for the Platform and its use are prohibited.

1.7. This Agreement, the Privacy Policy, and any other applicable agreements or terms and conditions incorporated herein by reference can be found directly on the Platform, in the relevant app store or Google Play store on your mobile device where the Platform is available for download.
In addition, the User Agreement is available on our official website at https://abmeditations.com, as well as via the Telegram bot @abmoney_subscription_bot, which also enables you to purchase access to the Platform.
You may print or locally save copies of the Agreement and the Privacy Policy for your reference.

Official download links for the Application:

On the App Store: https://apps.apple.com/az/app/ab-money/id1567820703
On Google Play: https://play.google.com/store/apps/details?id=agency.ab.money

1.8. If you fail to comply with this Agreement or any other applicable terms and conditions, we may suspend or terminate your account as described below.

1.9. For your convenience, we have compiled as the Glossary all terms used in the Agreement and annexes to it.

1.10. From time to time, we make amendments to this Agreement and Privacy Policy the and any other legally binding documents, for example, when we update and expand the functionality of our Platform or when there is a change in the legislation. We will use reasonable efforts to notify all Users of any material changes to this Agreement and other documents within a reasonable timeframe, for example, by means of a notice on our Platform or by e-mail. However, you should regularly review the terms and conditions in order to check for such changes.
Your continued access to or use of the Platform after the date of the new terms and conditions shall constitute your acceptance of them. If you do not agree to a new version of the Agreement or other terms and conditions or rules, you must stop using our Platform.

2. Terms and Conditions of Use

2.1. Your Account

2.1.1. Access to the Service. ‍Subject to your compliance with these Terms and Conditions of Use (including any other applicable terms and conditions), we grant to you limited, non-exclusive, revocable permission to make personal, use of the Platform and the Content. This Access shall remain in effect unless and until terminated by you or Company. You agree that you will not redistribute or transfer the Platform or the Content. The Company software applications and the Content are licensed, not sold or transferred to you, and AB.MONEY  and its licensors retain ownership of all copies of the AB.MONEY software applications and Content even after installation on your devices.

2.1.2. Account Registration.
To access certain services or features on the Platform, you must create an Account. Account registration begins when you enter your valid email address in the application. Once your email is submitted, you may be prompted to complete your user profile (Account) within the app by providing accurate, complete, and up-to-date information, which may include your name, username, and other optional details.

‍When You create an account with Us, You must provide Us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your account on Our Platform. You are responsible for safeguarding the access to the Platform and for any activities or actions under Your access, whether Your access is with Our Platform or a Third-Party Social Media Service. You agree not to disclose Your access to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account. You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.

We may request additional information from you to support your registration or personalize your experience. You are solely responsible for all activity that occurs under your Account. Any actions taken through your device are presumed to be made by you.

We are not liable for unauthorized access to or use of your Account, including unauthorized use caused by failure to secure your login credentials or device.

If you encounter any issues related to your Account, please contact us at ab.brandpay@gmail.com.

2.2. Access to the Platform
Types of Access. By accepting this User Agreement, you may be granted access to the Platform in connection with specific sales campaigns, product releases, or Subscription plans. The types of access may include:

(a) Free Access
Once registered, you may access a limited set of features and Content available on the Platform free of charge. This free access is granted under a non-exclusive, royalty-free license for personal, non-commercial use, in accordance with U.S. law and the terms of this Agreement. The scope of free access may be changed by us at any time.

Free access to selected portions of the Platform is granted upon installing the Platform and registering an Account, subject to the following conditions:

• Compliance with this User Agreement;
• Operational availability of the Platform;
• No withdrawal of consent to personal data processing;
• No cancellation of your acceptance of this Agreement or request for a refund;
• The Platform is installed on your personal smartphone or tablet.

(b) Paid Access (Subscription)
To access additional Content and Features beyond the free tier, you must purchase a Subscription. A Subscription is activated after successful registration (if not already completed) and full payment of the applicable fee.

By purchasing a Subscription, you receive:

• access to a curated set of Content and Features as described at the time of purchase;
• the right to use them solely for personal, non-commercial purposes;
• unlimited viewing and/or listening during the active Subscription period.

Access via Subscription
Subscription-based access provides paid, personal, non-transferable access to designated Content and Features for a fixed duration with no limit on the number of views or plays. Subscription offerings may vary in term length, content scope, and available features.

Subscription access becomes active only when:

• All applicable terms of this Agreement are fulfilled;
• Full payment is received;
• The Platform is installed and functioning;
• Your consent to data processing and acceptance of this Agreement remain valid and unrevoked.

The specific Subscription plans, pricing, and conditions are detailed in Appendix No. 2 to this User Agreement.
Subscription Auto-Renewal is a complimentary feature that may be enabled by default when you subscribe. It automatically extends your Subscription for the same term and charges your selected payment method without additional action from you.

You agree to Auto-Renewal when you:

• Enter your card details during checkout, or
• Use your Google Play or Apple App Store account (linked to a saved payment method) to subscribe on a mobile device.

The renewal price will match your previous Subscription cost as displayed in your Account.

To cancel Auto-Renewal, you must disable it in your Account settings or notify us in writing. If you disable it less than 24 hours before your current Subscription expires, we do not guarantee that the renewal will be stopped in time.

We reserve the right to disable Auto-Renewal for any user, at any time, without prior notice.

(c) Access to Specific Paid Projects
Access to time-limited or project-based paid content may be granted starting from the project release date announced on our Platform, and only if the same conditions above are met, including full payment.

The detailed terms, duration, content description, and any special conditions applicable to each Specific Paid Project shall be set forth in separate appendices to this User Agreement, if and when such projects are organized.

Access Delivery.
Access to the Platform is granted automatically upon accepting this Agreement for free services, and upon confirmed payment for paid services or subscriptions.
Login credentials are the email address details provided at registration.

Access Duration.
The duration of access to paid features or specific projects is determined at the time of purchase and displayed in the applicable offer on our website.
Subscription-based access is limited to the prepaid term, typically 30 calendar days, unless otherwise specified at the time of purchase.

2.3.Subscription Terms:

(a) Subscription pricing is displayed on the Platform, our website, our @abmoney_subscription_bot or within your Account. Pricing may vary depending on plan type, duration, and included Content or Features.
(b) Available Subscription durations are presented during the checkout process.
(c) Your Subscription starts as soon as payment is completed and access is granted.
(d) Payments may be made only through the methods provided within the Platform or on our website or through the methods provided within Telegram-bot @abmoney_subscription_bot.
(e) In certain cases, and subject to your agreement with your mobile carrier, payment may be made through direct carrier billing. This requires an active agreement between us and the carrier.
(f) Except for payments processed through Google Play or Apple’s App Store using your saved payment methods, we may change or update payment processors at our discretion without prior notice.
(g) If you pay through Apple store or Google play, your payment is governed by those platforms’ policies. You are responsible for resolving any payment issues directly with the relevant provider.
(h) All Subscription payments are final and non-refundable, unless required by law or explicitly stated otherwise in the Refund Policy (Appendix No. 3 to this Agreement), which is an integral part hereof. this Agreement. Because access is provided to digital Content, the Subscription cannot be canceled once activated.
(i) By purchasing a Subscription, you agree to enable auto-renewal, unless you turn it off before the end of the current billing cycle.
(j) If auto-renewal fails after three consecutive attempts (e.g., due to an expired or blocked card), we may notify you and suspend your access until payment is completed. Sending such notice is optional.
(k) Any fees imposed by your card-issuing bank or payment provider are your responsibility.
(l) Payment made through any supported method is considered payment made directly to us.
(m) Activation of your Subscription may be delayed due to processing time by external payment providers.
(n) We do not issue invoices or billing statements for individual Subscriptions.
(o) By completing your payment, you agree to the Content and Features included in the selected Subscription plan. We may add, remove, or modify included Content or Features at any time without notice. It is your responsibility to review the current offering before purchasing.
(p) We reserve the right to change Subscription pricing at any time without prior notice.
(q) If a Subscription is activated due to a technical or pricing error, we may cancel it and refund the charged amount to your original payment method.
(r) We are not responsible for your inability to make payment. You may only purchase Subscriptions at the rates available at the time of your transaction.
(s) A complete list of active Subscription plans, pricing, and conditions is provided in Appendix No.2 to this Agreement.

3. Platform Rules
On the Platform, you may use all functionality of the Platform that is available to you subject to your age limits.

4. Financing our Platform. Our Fee.
4.1.  License and Compensation. Access to the Platform is provided on the basis of a non-exclusive, non-transferable license granted to you for personal, non-commercial use.

This license is subject to the functional capabilities of the Platform and may be offered:

• Free of charge, for access to a limited set of Content and Features, immediately upon Account registration;
• For a fee, in the form of:

(a) permanent access to paid features;
(b) limited-time access to paid projects;
(c) or a recurring Subscription.

Each of these access types is governed by the terms outlined in this Agreement and may be subject to separate access conditions as described on our website or within the Platform at the time of purchase.

4.2. Pricing and Changes. The fees applicable to each type of access (the “Fee”) are displayed on our website and/or within the Platform.

These fees may vary based on:

• the type and scope of Content and Features offered (in according with Appendix 2 to this Agreement);
• the Subscription period (in according with Appendix 2 to this Agreement);
• or access duration to specific paid projects.

We reserve the right to modify pricing at our sole discretion without prior notice. Any new prices apply only to future purchases and do not affect fees already paid. Subscription prices are valid for 30 calendar days from publication and apply prospectively. Paid access remains valid for the entire period covered by the original payment.

All fees are denominated in U.S. dollars (USD) or another applicable currency based on your location or payment provider.

4.3. Payment Methods. Payment may be made through:

• manual payment through our support or manager via PayPal, Zelle, or SWIFT transfer - available only through direct communication with our team and not supported as an automated method. This method requires coordination with our team via email or messaging platform and may involve individual instructions and timelines;
• third-party processors such as Apple’s App Store or Google Play;
• other supported payment methods shown during checkout.

You may also pay by invoice or business card if acting on behalf of a company or registered business. For users purchasing through Apple or Google, payments are governed by the applicable platform’s terms.

All payments must be completed before access is granted. We are not responsible for delays caused by third-party processors or financial institutions.

4.4. Payment Confirmation and Delivery.
You will be granted access to the purchased Content, Features, or Subscription after we receive confirmation of successful payment from the applicable payment processor. Login credentials or access information will be sent to the email address associated with your Account. You are solely responsible for ensuring the accuracy of your payment details and contact information. We are not responsible for any losses resulting from incorrect payment data.

You are responsible for any Taxes and must pay for Paid Service without any reduction for Taxes. If we are obligated to collect or pay Taxes in connection with the Paid Services, the Taxes will be charged to you. You must comply with any and all applicable tax laws, including the reporting and payment of any Taxes arising in connection with your subscription of Paid Services.

4.5. Fees, Taxes, and Third-Party Charges.

All platform fees are exclusive of:

• transaction fees charged by your bank or payment provider;
• applicable sales taxes, VAT, or other legally required duties. These charges are your responsibility and are not included in the Fee displayed at checkout unless explicitly stated. We do not collect or remit taxes on your behalf unless required by law.

4.6. Termination of Access Upon Refund.
Unless otherwise required by applicable law or the the Refund Policy, all payments are non-refundable, including Subscription fees and one-time purchases.

Once access to the Platform or any paid Content has been granted, the license is deemed delivered in full and cannot be canceled or refunded. In the event of a refund granted by our discretion or as required by law, all granted access will be revoked within one (1) calendar day, and cannot be restored.

4.7. Proof of Payment and Records.
You are responsible for retaining all payment confirmations and receipts throughout your use of the Platform. Upon our reasonable request, you agree to provide such documents for verification purposes.

4.8. Completion of Payment Obligation
Your payment obligation is considered fulfilled once:

• funds have been received by us through an authorized processor;
• or payment is confirmed by the Platform’s payment integration (Google, Apple, Stripe, etc.). We reserve the right to delay access to paid services until payment is verified.

4.9. Term of Use.
Your right to use the Platform’s paid Features and Content remains valid for the term of your Subscription or access period, unless otherwise terminated in accordance with this Agreement. Your license is valid only while the Agreement is in force and may be revoked if terminated earlier.

5. Granting License Rights to the Platform

5.1. We respect intellectual property rights and ask you to do the same. Your access to and use of the Services shall be conditional upon your consent not to use the Platform for the purpose of infringing any intellectual property rights.

5.2. We reserve the right to block access to the Platform and/or to delete the account of any User that infringes or allegedly infringes any copyright or other intellectual property rights, without a notice, at any time and at our sole discretion.

5.3. Granting you License Rights to Use the Platform. License and Ownership.
We represent and warrant that we hold all lawful rights necessary to grant you a non-exclusive license to use the AB.MONEY Platform under the terms of this Agreement. All rights to the Platform and its components are owned by us or licensed to us under sublicensable agreements, including open-source licenses such as LGPL, BSD, MIT, and others.

5.4. Platform Availability and Functionality.
We will make reasonable efforts to maintain the stability, performance, and continuous improvement of the Platform, including the correction of any known defects. However, the Platform is provided “as is”, and we make no guarantees that it will be error-free or uninterrupted. Specifically:

• We do not guarantee the absence of bugs or technical faults;
• We are not responsible for compatibility with your devices, operating systems, or third-party software;
• We are not liable for any direct or indirect losses arising from the use of the Platform;
• We are not liable for service interruptions caused by power outages, network failures, malware, unauthorized access attempts, or third-party attacks on our infrastructure.

5.5. Technical Requirements.
We guarantee the Platform will be operational on supported operating systems, provided you use up-to-date versions as specified in he current technical documentation.
We may update technical requirements for your device’s operating system. If so, you will need to update your operating system to continue using the Platform.

5.6. License Scope and Limitation.
We grant you a non-exclusive, non-transferable, royalty-free license to use the Platform solely in accordance with this Agreement. This license may be offered free of charge (for limited functionality) or as part of a paid plan or Subscription. We reserve the right to modify, expand, or limit the scope of the Platform’s features and content at any time, without notice.

5.7. Copyright Policy
Intellectual Property Infringement
‍We respect the intellectual property rights of others. It is Our policy to respond to any claim that Content posted on the Platform infringes a copyright or other intellectual property infringement of any person. If You are a copyright owner, or authorized on behalf of one, and You believe that the copyrighted work has been copied in a way that constitutes copyright infringement that is taking place through the Platform, You must submit Your notice in writing to the attention of our copyright agent via email at ab.brandpay@gmail.comand include in your notice a detailed description of the alleged infringement. You may be held accountable for damages (including costs and attorneys' fees) for misrepresenting that any Content is infringing Your copyright.

DMCA Notice and DMCA Procedure for Copyright Infringement Claims
‍You may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright's interest;
• A description of the copyrighted work that You claim has been infringed, including the URL (i.e., web page address) of the location where the copyrighted work exists or a copy of the copyrighted work;
• Identification of the URL or other specific location on the Platform where the material that You claim is infringing is located;
• Your address, telephone number, and email address;
• A statement by You that You have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
• A statement by You, made under penalty of perjury, that the above information in Your notice is accurate and that You are the copyright owner or authorized to act on the copyright owner's behalf.

You can contact our copyright agent via email at ab.brandpay@gmail.com. Upon receipt of a notification, the Company will take whatever action, in its sole discretion, it deems appropriate, including removal of the challenged content from the Platform.

5.8. Links to Other Websites. Our Platform may contain links to third-party web sites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services. We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.

5.9. Prohibited Activities.
You shall retain from activity listed below:
- Illegal or unlawful activity;
- Attempts to reuse any intellectual property;
- Decompile, disassemble, or reverse engineer the app;
- To share an account or content without authorization;
- Collect usernames or personal data of other users;
- To trick, harass, defraud, or mislead other users;
Interact, manipulate, or interfere with the security or software outside of its intended use;
- To disparage, tarnish, or otherwise harm the site in any manner.
Involvement in prohibit activity will let to termination of Your Account.

5.10. Access Restriction and Termination. We may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach the User Agreement. Upon termination, Your right to use the Service will cease immediately. If You wish to terminate Your Account, You may simply discontinue using the Platform.

We may immediately suspend or revoke your access to the Platform if we determine that:

• you have violated the terms of this Agreement;
• Your actions are fraudulent, abusive, or harmful to the Platform, our systems, or our brand reputation.

Suspension of access does not require prior notice and may be applied to part or all of the services made available to you under any Subscription.

We also reserve the right to limit or block access to specific Channels, which may be associated with certain Subscription tiers, if we determine that users of such Channels are in violation of the applicable Channel rules or policies. Blocking access to a Channel does not constitute termination of your license to the Platform as a whole and shall not be considered a breach of our obligations under this Agreement.

5.11. Communications and Advertising. By accepting this Agreement, you consent to receive operational, technical, and promotional communications from us within the Platform or via your registered contact information.

These may include:

• System messages and service announcements;
• Transactional emails;
• In-app notifications or banners;
• Marketing or advertising messages.

You may manage your communication preferences through your account settings or by contacting us directly. We do not share your personal data with third-party advertisers without your consent, and all data is processed in accordance with our Privacy Policy.

5.12. Personal Data Processing.
We may process your personal data in accordance with applicable data privacy laws and our Privacy Policy, which is an integral part of this Agreement. Please review the Privacy Policy to understand how we collect, store, and use your information.

5.13. Assignment of Rights.
We reserve the right to assign or transfer our rights and obligations under this Agreement to any third party in the context of a business transfer, merger, acquisition, or service provision, without requiring your additional consent. This assignment will not affect your rights under this Agreement.

6. User Rights and Responsibilities

6.1. User Rights and Responsibilities.
Permitted Use You may use the Platform in accordance with the terms of this Agreement and solely for its intended personal, non-commercial purposes. Your use must comply with applicable laws and regulations of the United States and must not violate the rights of any third party.

6.2.Platform Access and Support.
You have the right to access the Platform in accordance with your selected Subscription plan and to receive technical support if Platform-related issues occur. You may contact our support team for assistance at ab.brandpay@gmail.com

6.3. Data Privacy.
We are committed to the protection of your personal data to the extent required under applicable privacy laws, including but not limited to the California Consumer Privacy Act (CCPA/CPRA). For more details, please refer to our Privacy Policy.

6.4. User Commitments
By using the Platform, you agree to the following:

• You will comply with all terms of this Agreement and with all applicable law;
• You will not use the Platform for any purpose other than personal, non-commercial use;
• You will not attempt to destabilize, disrupt, hack, decompile, reverse engineer, or otherwise interfere with the Platform, its features, source code, or associated systems;
• You will not disable or circumvent any digital rights management (DRM), encryption, or security mechanisms within the Platform;
• You will not attempt to modify or alter any part of the Platform;
• You agree not to use the Platform in any manner not explicitly permitted by this Agreement;
• You are responsible for ensuring that your own devices are secure and protected against malware, viruses, and other threats that could interfere with your use of the Platform;
• You agree to indemnify us for any losses or damages (including lost profits or reputational harm) caused by your breach of this Agreement or violation of intellectual property rights associated with the Platform, and to pay a fixed penalty of 10,000 USD for each instance of such violation.

6.5. Device Limitation.
Your access to the Platform is limited to a maximum of two (2) personal devices. If you exceed this limit, we reserve the right to suspend or permanently revoke your access without refund or reinstatement

6.6. Refund Requests.
You may be eligible for a refund of Subscription fees only in limited and exceptional cases as defined in the applicable Refund Policy (see Appendix No. 3). All refund requests are subject to verification and approval.

6.7. Media and Publicity Consent
By accepting this Agreement, you grant us the right, free of charge, to use the following, in connection with promotional materials or social media posts published via:

• our official Instagram accounts (https://instagram.com/ab.money_, https://instagram.com/sashabelair_),
• our official Telegram channels and the AB.MONEY Platform, and our company website(s)

You grant us permission to use:

• your profile photo (avatar);
• your video appearance (visual likeness);
• your name, surname, nicknameand testimonial, including reviews or comments you submitted about the Platform or any services offered by us.

This media usage authorization may be revoked at any time by emailing us at ab.brandpay@gmail.com

6.8. Marketing Communications.
You consent to receive informational and promotional messages via email or mobile message to the contact information provided at registration. You may unsubscribe from such communications at any time by following the opt-out instructions or contacting us directly at ab.brandpay@gmail.com.

6.9. Compliance with Channel Rules.
If your Subscription includes access to a Channel (a content environment provided as part of your paid plan), you must comply with the published rules of that Channel. Rules are available directly within the Channel interface.
Violation of Channel rules may result in immediate suspension or permanent restriction of access to that Channel, without the right to reinstatement or refund. Restriction of access to a Channel does not affect your overall license to the Platform unless otherwise stated.

6.10. Personal Data Processing.
Data is processed in accordance with our Privacy Policy and applicable data privacy laws.

7. Warranties and Liability.

7.1. Your Warranties and Liability.
You warrant that you have all powers and capacity required to enter into this Agreement and other rules, terms and conditions and shall be liable for assessing the accuracy, completeness and fitness of all opinions, estimates, services and other information, quality and functions of the goods provided through the Platform.

You may not transfer your rights or obligations under this Agreement without our consent.

Breach of Agreement.
Each party is responsible for fulfilling its obligations under this Agreement. A party that fails to perform or improperly performs its obligations shall be liable for any damages caused to the other party as a direct result of such non-performance or breach, to the extent permitted by applicable law.

No Warranty of Fitness for User’s Expectations.
You acknowledge that you are aware of the key
functional characteristics of the Platform. We make no guarantees that the Platform will meet your expectations, deliver specific results, or operate without issue on your personal devices or systems.

To the maximum extent permitted by applicable law, we shall not be liable for:

• any direct, indirect, incidental, special, consequential, or exemplary damages;
• lost profits, business interruption, or loss of business information;
• data loss, loss of opportunity, or reputational harm;
• damages arising from negligence or other legal theories;
• inability to use the Platform for any reason.

Use of the Platform is at your own risk and is provided “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied.

7.2. Limitation of Liability.
To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Platform, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose. Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

Except as explicitly stated in this Agreement, both parties’ liability for any damages under this Agreement shall be limited to the total amount paid by the User for the use of the Platform during the twelve (12) months preceding the claim, to the extent permitted by law. This limitation does not apply to willful misconduct, gross negligence, or violations of applicable law.

Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Platform, or the information, content, and materials or products included thereon; (ii) that the Platform will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the; Platform or (iv) that the Platform, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, time bombs or other harmful components. Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

7.3. Force Majeure.
We and you shall not be held liable for any failure or delay in performing obligations under this Agreement if such failure is caused by events beyond reasonable control, including but not limited to:

• natural disasters (e.g., flood, fire, earthquake, landslide);
• war, civil unrest, or acts of terrorism;
• governmental actions or regulatory restrictions;
• industry-wide or regional labor strikes;
• pandemics, epidemics, or global health emergencies;
• failure of third-party data centers or internet infrastructure beyond our control.

Such events will be considered force majeure only if they were unforeseeable and unavoidable through commercially reasonable efforts.

Exclusions from Force Majeure
The following events do not qualify as force majeure:

• business risks, including breach of contract by suppliers or subcontractors
• financial or economic downturns;
• currency devaluation or exchange rate fluctuations;
• lack of funds or budgetary limitations;
• criminal acts by unknown third parties;
• foreseeable disruptions in technology infrastructure.

Notice of Force Majeure
If a party is affected by a force majeure event, it must promptly notify the other party in writing. The notice must include:

• a description of the nature of the event;
• reasonable evidence or documentation (if available);
• an assessment of its impact on performance of obligations under this Agreement.

Failure to provide timely notice may limit the ability to claim force majeure.

7.4. Channel Restrictions and Violations.
If you violate the published rules of any Channel associated with your Subscription, we reserve the right to suspend or terminate your access to that Channel without refund or reinstatement. Channel rules are defined and updated within each Channel interface. Termination of Channel access does not affect your license to the Platform as a whole and shall not be considered a breach of this Agreement on our part.

7.5. Disputes Resolution.
If You have any concern or dispute about the Service, You agree to first try to
resolve the dispute informally by contacting the Company.

7.6. Applicable Law and Jurisdiction.
This Agreement, its subject matter and content shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law provisions, unless otherwise expressly provided by applicable law.

All disputes between the parties arising out of or relating to this Agreement shall be resolved through good-faith correspondence and negotiations as part of a mandatory pre-litigation procedure. If the parties are unable to reach an agreement within sixty (60) calendar days from the date on which one party receives a written claim from the other, the dispute shall be submitted to a court of competent jurisdiction located in the State of Delaware, and such court shall have exclusive jurisdiction, to the extent permitted by applicable law. Jurisdiction of any other courts is excluded unless otherwise required by mandatory provisions of applicable law.

7.7. Governing Law in Use of Platform.
The laws of the State of Delaware, excluding its conflicts of law rules, shall govern these Terms and your use of the Platform. However, depending on your location, your use of the Platform may also be subject to additional mandatory provisions of local, state, national, or international law.

7.8. For European Union (EU) Users.
If you are a consumer residing in the European Union, you will benefit from any mandatory provisions of the law of the country in which you are habitually resident. Nothing in this Agreement shall affect your rights under such mandatory consumer protection laws.

7.9. United States Legal Compliance.
You represent and warrant that:
(i) You are not located in a country that is subject to a United States government embargo, or that has been designated by the United States government as a “terrorist supporting” country; and
(ii) You are not listed on any United States government list of prohibited or restricted parties.

7.10. Entire Agreement.
This Agreement (including all rules, terms and conditions) shall constitute the entire legal agreement between you and AB.MONEY, govern your use of the Services/ Platform and supersede in full any prior agreements between you and AB.MONEY in relation to our Services/Platform.

7.11. Waiver.
Our failure to enforce any provision of this Agreement shall not be construed as a waiver of such provision or right.

7.12. Safety.
We do not warrant that our Services will be safe or free from any bugs or viruses. You shall be liable for configuring your information systems, computer programs and the Platform to access our Services. You must use your own anti-virus software.

7.13. Partial Invalidity.
If a court having jurisdiction to rule on this matter determines that any provision of this Agreement is invalid, such provision will be deleted from the Agreement without affecting the remaining part of this Agreement and other provisions will remain valid and enforceable.

7.14. Communication
Any notices may be sent by one party to the other party:

• By e-mail to the e-mail address of the User specified by him/her when signing up or to the e-mail address of ab.brandpay@gmail.com;
• In the form of a message to the User’s mobile phone number: by the User’s phone number specified by him/her when signing up.

8. Additional Terms and Conditions—App Stores.
To the extent permitted by applicable law, the following additional terms and conditions shall apply when accessing the Platform through certain devices.

8.1.Apple Products Note.
By downloading our Platform to devices manufactured by Apple, Inc.
(hereinafter “Apple”) or from the Apple AppStore, you acknowledge and agree that:

• This Agreement shall be valid between AB.MONEY and you; Apple shall not be a party to this Agreement;
• License granted to you under this Agreement shall be limited to your personal, limited, non-exclusive, non-transferable right to install the Platform on Apple devices that you own or control for your personal, non-commercial use in accordance with the Terms and Conditions of Use set out in the terms and conditions of Apple AppStore services;
• Apple shall not be liable for the Platform or its content and is not obliged to provide any services for maintaining or supporting the Platform;
• To the fullest extent permitted by applicable law, Apple will have no other warranty obligations with respect to the Platform;
• Apple shall not be liable for any claims of yours or of any third parties that relate to the Platform, your possession or use of the Platform, including, without limitation, (a) claims related to the product quality; (b) any claims to the effect that the Platform does not comply with all applicable laws and regulatory requirements; and (c) claims arising from consumer rights protection or from applying similar legislation;
• If any third party alleges that the Platform or your possession and use of the Platform infringes such third party’s intellectual property rights, Apple shall not be liable for investigating, defending, settling, or rejecting such intellectual property infringement claim.

8.2. Google Play.
By downloading the Platform from the Google Play operated by Google, Inc. or one of its affiliates (hereinafter “Google”), you acknowledge and agree that:

• In the event of a conflict between (a) the Google Play User Agreement, the Google Play Business and Program Policy or any other agreements that Google determines by default as the end-user license of the Google Play App Store (jointly referred to as the “Google Play Agreements”), and (b) other terms and provisions of this Agreement, the Google Play Agreements will apply to the use of the Platform that you downloaded from Google Play; an
• Google shall not assume any liability or obligations whatsoever arising out of AB.MONEY’s or your (or any other User’s) compliance or failure to comply with this Agreement or the Google Play Agreements.

9. Account deletion initiated by the User

9. 1. The User may at any time initiate the deletion of his account.

9.2. If the User changes his mind and wants to restore the account, he can send a request for restoration in the User's profile within 30 calendar days after deletion. After 30 days, the User's account is deleted without the possibility of recovery

9.3. ‍If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

10. Contact Us
Email: ab.brandpay@gmail.com

Appendix No. 1 to the User Agreement

Glossary
Each term defined in this Glossary shall have the same meaning regardless of where it is used in the Agreement or its appendixes. In this case, the words in the singular shall include the plural, and vice versa.

1. Access means the technical and legal ability granted to the User to enter and use the Platform, its Content, Features, and Services, subject to the terms and conditions of this Agreement. Access may be free or paid, and its scope and duration depend on the applicable Subscription or Tariff.
2. Account means a personal set of access credentials (including login and registration data) created by the User during the sign-up process, enabling personalized use of the Platform.
3. Agreement means the present legally binding User Agreement (also referred to as the “User Agreement”) governing the relationship between the User and the Company with respect to use of the Platform and Services.
4. Auto-Renewal means a functionality that automatically extends a paid Subscription for the same duration at the end of each billing period, by charging the User’s saved payment method, unless deactivated in advance.
5. Channel means a private Telegram-based communication space created and managed by the Company in connection with specific Subscription plans or Tariffs. The Channel is external to the Platform but may be linked from within the Platform interface upon purchase of a qualifying Subscription. The Company may post exclusive content, updates, or materials in the Channel, and may add or remove Users at its sole discretion. Access to a Channel is subject to the specific rules published in that Channel and does not constitute access to the Platform itself.
6. Company means the legal entity that owns and operates the Platform and provides the Services to the User. The Company is also referred to as “we”, “us”, or “AB.MONEY” in this Agreement.
7. Content means any materials, including but not limited to text, videos, images, sounds, music, scripts, illustrations, and design elements, published on the Platform and made available to Users under license.
8. Features means functional capabilities and technical tools offered by the Platform, including those available through free or paid Access, such as content playback, account management, or interaction with Services.
9. Free Access means the portion of the Platform and Services available to the User at no cost, upon Account registration, under a non-exclusive, royalty-free license for personal, non-commercial use.
10. Paid Access means access to certain Content and Features granted only after full payment of applicable fees. Paid Access includes Permanent Paid Access, Specific Paid Projects, and Subscription-based access.
11. Permanent Paid Access means a type of Paid Access providing long-term or unlimited access to selected Features or Content on the Platform after a one-time fee has been paid.
12. Platform means a set of software, APIs, SDKs, code, content, databases, and services that comprise the AB.MONEY application and its associated website. It includes all Services made available to Users and is accessible via mobile devices or online platforms.
13. Privacy Policy means the policy describing how the Company collects, uses, stores, and processes personal data. The Privacy Policy is an integral part of the Agreement and is available at http://abmeditations.com/privacy_policy )
14. Services means all tools, content, features, functions, interfaces, and support provided through or in connection with the Platform, including both free and paid offerings.
15. Site / Website means the official online presence of AB.MONEY, available at https://abmeditations.com/, where Users can learn about the Platform, register accounts, purchase access, and review legal documents including this Agreement.
16. Specific Paid Projects means time limited or topic-specific paid content offerings on the Platform, accessible from a specific launch date and only upon fulfillment of payment and other terms.
17. Subscriptions means recurring paid plans that grant the User access to a curated set of Content and Features on the Platform for a fixed period subject to renewal terms.
18. Tariffs means the pricing options applicable to different types of Access or Subscriptions. Tariffs are published on the Platform or Website and may change at the Company’s discretion.
19. Telegram-bot means an official chatbot available via the Telegram messaging platform under the username @abmoney_subscription_bot, used to communicate with Users and facilitate access to the Platform.
20. User means an individual who has reached the minimum required legal age under applicable law to accept this Agreement and use the Platform, or who has obtained all required consents. The User is the legal party to this Agreement.
21. User Agreement means the full set of legal terms and conditions governing access to and use of the Platform and Services, accepted by the User as a binding contract with the Company. Also referred to as the Agreement.

Appendix No. 2 to the User Agreement

Subscription Plans and Tariffs

This Annex forms an integral part of the AB.MONEY User Agreement. It outlines the features, duration, and pricing of Subscription plans offered by the Company as of July 15, 2025.

1.LITE SUBSCRIPTION
1.1. Effective exclusively from July 15, 2025

1.2. Duration:
The Lite Subscription is valid for a period of 30 (thirty) calendar days from the date of receipt of full (100%) payment by the Company.

1.3. Price:
The Lite Subscription is available to Users for a fee according to current rates in USD

1.4. Scope of Access: Each Lite Subscription includes access to one (1) unit of Content: a proprietary guided meditation selected by the Company.

1.5. Content Rotation Schedule:

• Each month, the Company selects one proprietary meditation to be made available as the sole content for the Lite Subscription.
• This selection is valid from the 15th of the current month until the 14th of the following month.
• On the 15th day of each month, the selected meditation is replaced with a new one at the sole discretion of the Company.

1.6. Payment Timing and Access Rights:

• If the User purchases the Lite Subscription on the 15th day of the month, only one (1) unit of Content (the selected meditation for that month) will be available during the 30-day Subscription period.
• If the User purchases the Lite Subscription after the 15th of the month, two (2) units of Content will be made available during their 30-day Subscription period:

(a) The meditation selected for the current month, accessible until the 14th day of the next month.
(b) The new meditation released on the 15th day of the following month, available from that date until the end of the 30-day Subscription period.

1.7. Platform Access and Limitations:

• The Lite Subscription is compatible with other active Subscriptions under Annex 2.
• Access to and management of the Lite Subscription is facilitated through an official Telegram bot, with login credentials provided upon full payment.
• Meditations within the Lite Subscription are not cumulative; at any time, only one meditation is accessible to the User.

2. PRO SUBSCRIPTION
Available in two plans:

• Pro Subscription (Monthly Plan)
• Pro Subscription (Annual Plan)

Both plans provide identical access to the following features:
Included Features:

• 115+ meditations and melodies within the AB.MONEY app
• 200+ guided meditation recipes for various life situations
• 16 Sasha Belair podcasts
• Habit tracker functionality within the app
• Recordings of 40+ livestreams with Sasha Belair
• Access to the full AB.MONEY financial marathon recording
• Access to the AB.BRAND intensive-sprint recording
• Local city-based chat communities within the AB.MONEY network
• Buddy program participation
• Offline meetups organized globally

2.1. PRO SUBSCRIPTION - MONTHLY PLAN
2.1.1. Duration: Valid for 30 (thirty) calendar days from the date full payment is received.
2.1.2. Price: The Monthly Pro Subscription is available for a fee according to current rates in USD

2.2.PRO SUBSCRIPTION - ANNUAL PLAN
2.2.1. Duration: Valid for 365 (three hundred sixty-five) calendar days from the date full payment is received.
2.2.2. Price: The Annual Pro Subscription is available for a fee  according to current rates in USD

Appendix No. 3 to the User Agreement

Refund Policy
Refunds will be issued only pursuant to AB.MONEY LLC, 10 business day refund policy., this term also includes the deadline for providing a response on the return (refusal or approval).

If you are not satisfied for any reason with our Services, or you have not been provided access to our services within 5 business days you may request a refund of our service fees.

Our Refund Policy is limited to the refund of AB.MONEY LLC  service fees and DOES NOT INCLUDE REFUNDS FOR GOVERNMENT FEES, whether state, federal or local, payments made to any third parties in connection with the Services provided (such as payments to state or county agencies, federal agencies, newspapers for publication requirements, or notary fees), or shipping and handling fees,, and also is not responsible for any delay in refunding funds that occurs on the part of the payment system/intermediary

In the event of purchasing a subscription through the App Store and Google Play, refunds will be processed in accordance with the return policy established by each platform.

Appendix No. 4 to the User Agreement
REGULATIONS ON THE PROMOTION "WHEEL OF FORTUNE" DATED 15.07.2025

The Appendix No. 4 applies only to those above-mentioned users who have made a 100% prepayment for the Lite subscription tariff in accordance with Appendix No. 3.1 to the User Agreement https://abmeditations.com/terms_and_conditions, having entered into a license agreement for the provision of a non-exclusive license to use part of the AB.MONEY software product in the period from 07/15/2025 15:15 Moscow time to 07/17/2025 23:59 Moscow time inclusive, and who have made a 100% prepayment for the Lite subscription application use tariff in accordance with Appendix No. 2.1 to the User Agreement https://abmeditations.com/terms_and_conditions in the period from 07/15/2025 15:15 Moscow time to 07/17/2025 23:59 Moscow time.

General Provisions:
1.1. These Regulations:
- are an addendum to the User Agreement of the AB.MONEY application (https://abmeditations.com/terms_and_conditions);
- regulate the relations between the Administration and Users who have made a 100% prepayment for the Lite subscription tariff for the AB.MONEY Application in accordance with Appendix No. 3.1 to the User Agreement https://abmeditations.com/terms_and_conditions, as well as those who meet the criteria specified in these Regulations;
- establish the conditions for participation of Users who meet the terms of the Regulations in the Wheel of Fortune promotion.
1.2. After making a 100% prepayment, the Client receives access to the @abmoney_pro_bot bot with the Wheel of Fortune promotion with the ability to use 1 (one) attempt to spin the Wheel of Fortune.
1.3. To participate in the Wheel of Fortune promotion, the Client must (depending on the method of purchasing the subscription plan):
1.3.1. After purchasing the Lite subscription plan for the AB.MONEY software product via the @abmoney_subscription_bot telegram bot, use the button in the specified bot interface ("Spin the wheel") to spin the wheel.
1.3.2. After purchasing the Lite subscription plan for the AB.MONEY software product using the AppStore/GooglePlay, you must open the link to the bot in the Lite subscription tab inside the AB.MONEY Application
1.4. Scrolling is carried out within the functionality of the @abmoney_pro_bot telegram bot, access to which the User receives after confirming the fact of purchase. After passing the check confirming the purchase, the User is given the opportunity to start the scrolling mechanism by clicking on the corresponding button in the Bot interface ("Spin the wheel").
As a result of activating the scrolling mechanism, the User is automatically sent a message on behalf of the Bot containing information about the result obtained in the format of a video and (or) a graphic and (or text description of the gift that has dropped out. The procedure for determining the scrolling result is carried out automatically, using a random algorithm, without the intervention of the Administration and without the possibility of influencing its outcome.
1.5. After the Wheel of Fortune has spun, the Client receives 1 (one) guaranteed gift randomly determined by the system from those declared by the Site Administration on the Wheel of Fortune itself, the gift will be indicated in the section of the Wheel of Fortune that coincided with the arrow of the Wheel of Fortune when the Client stopped scrolling the Wheel of Fortune.
1.6. Gifts provided as part of the "Wheel of Fortune" promotion are surprises and cannot be exchanged for cash equivalents or other gifts, including if the Client has received a request/statement/claim or any other document on the replacement of one gift for another according to the basis that the Client has previously had or has at the time the wheel of fortune stops a randomly drawn gift.

2. Conditions for receiving gifts / gaining access to gifts:
2.1. Guaranteed gifts for clients who qualify for the promotion consist of online and physical gifts. Receiving gifts and gaining access to gifts is provided to the client under the conditions specified in this Wheel of Fortune regulation and on the administration website about the Wheel of Fortune promotion.
2.2. The administration is not responsible for the absence of a guaranteed physical or online gift that the client has received, if the client specifies

3. Physical gifts:
3.1. Physical gifts include:
▪️AirPods Max headphones
▪️New red AB.MONEY money diary
▪️AB.MONEY stickers
▪️ IPhone 16
3.2. Physical gifts are limited in quantity and have a lower probability of dropping than online gifts.
3.3. The site administration has the right to unilaterally and at its own discretion replace the physical gift dropped by the Client with any available physical gift or online gift, if the physical gift dropped by the Client is missing or a technical error occurred, an incorrect distribution of the percentage ratio for the probability of dropping gifts and on any other grounds without the consent of the client.
3.4. After spinning the Wheel of Fortune and winning a physical gift, the client is automatically provided with a questionnaire via the telegram bot @abmoney_pro_bot to collect data for sending the order.
3.5. Delivery times for a physical gift: delivery within Russia – from 1 (one) month, worldwide – from 3 (three) months.

4. Electronic gifts:
4.1. Unless otherwise specified below, by default access to electronic gifts is provided automatically in the @abmoney_pro_bot telegram bot after spinning the wheel of fortune.
4.2. Electronic gifts include:
▪️Video from the meditation package "SELF-PROGRAMMING 2025"
▪️PDF version of the book "On the Rich"
▪️PDF file "How to work through female energy"
▪️Full calculation of the matrix of fate in the AB.MONEY application
4.3. Access to the calculation "matrix of fate" is provided by crediting the client's account profile in the AB.MONEY Application with 1 (one) full analysis of the matrix of fate in a period of 3 (three) to 5 (five) business days from the moment of spinning the wheel of fortune. Access is provided only to the email address specified during payment, for this it is important that during the Client's registration and 100% payment he specifies the email address to which he previously registered a personal account profile in the AB.MONEY Administration application.

5. Special conditions:
5.1. If the Client submits an application to cancel the contract and return the funds before the date of providing access to the ABMONEY Application under the Lite subscription in accordance with Appendix 2.1 to the User Agreement https://abmeditations.com/terms_and_conditions, he will not be provided with a gift.
5.2. If the gift has already been provided, the Administration has the right to withhold the full cost of the physical gift provided/sent to the Client or the access to the online gift provided to the Client according to the internal pricing for the Wheel of Fortune promotion.
5.3. In the event that the Client submits an application to cancel the contract and return the funds after the date of providing access to the ABMONEY Application under the Lite subscription in accordance with Appendix 2.1 to the User Agreement https://abmeditations.com/terms_and_conditions, the Administration has the right to withhold the full cost of the physical gift provided/sent to the Client or the access to the online gift provided to the Client according to the internal pricing for the Wheel of Fortune promotion in the event of a decision to return the funds.

6. Final Provisions:
6.1. This Legal Policy shall be deemed accepted and valid from the moment the Client makes a 100% prepayment for the tariff for providing access to the ABMONEY Application under the Lite subscription in accordance with Appendix 3.1 to the User Agreement https://ab.money/app_terms_of_use.
6.2. Any disputes and disagreements arising from this Legal Policy shall be resolved through negotiations between the parties. If it is impossible to reach an agreement, the dispute shall be considered in court in accordance with the current legislation.
6.3. This Legal Regulation shall enter into force from the moment of its posting at https://ab.money/fortuna_terms and shall remain valid until it is changed or terminated by the Customer.
6.4. In all other respects not provided for by this Regulation, the Parties shall be guided by the terms of the User Agreement of the AB.MONEY application at https://abmeditations.com/terms_and_conditions