PLEASE NOTE: SECTION 17 OF THESE TERMS OF USE CONTAINS AN ARBITRATION CLAUSE AND CLASS ACTION WAIVER. IT AFFECTS HOW DISPUTES WITH GCX ARE RESOLVED. BY ACCEPTING THESE TERMS OF USE, YOU AGREE TO BE BOUND BY THIS ARBITRATION PROVISION.

PLEASE READ THESE TERMS OF USE CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR RIGHTS AND OBLIGATIONS AS A MEMBER OF GCX, AS WELL AS REMEDIES AND RECOURSE (INCLUDING THOSE IN SECTION 7) GCX MAY TAKE IN CONJUNCTION WITH YOUR USE OF OUR SITE AND SERVICES. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS, AS WELL AS A CLAUSE THAT GOVERNS THE JURISDICTION AND VENUE OF DISPUTES.

Last Updated: July 8, 2024.

Welcome to gcx.raise.com and our associated mobile applications (collectively, the "Site" or "Raise" or "GCX" ), an online marketplace for gift cards run by Raise Marketplace, LLC ( "we" , "our" , "us" , "Raise Marketplace" or "GCX" ). Raise allows you ( "user" , "consumer" , "Member" , "guest" , or "you" ) to store, redeem, purchase, gift and sell gift cards, merchandise credits, vouchers, gift codes and other similar pre-paid closed-loop products in electronic form (collectively, "Gift Cards" ).

By clicking "I agree" on GCX or otherwise using GCX, you agree and acknowledge that you have fully read and consented to be bound by these Terms of Use (the "Terms of Use" ). These Terms of Use are a binding agreement and apply to you and all registered Members, guests or other persons who access, browse and/or otherwise utilize GCX to buy or sell any Gift Cards or use any of the services available on GCX. These Terms of Use set forth your rights and responsibilities when you use GCX, so please read them closely. If you do not agree to these Terms of Use, you may not access or use GCX or any of the services provided on GCX.

1. Modification of Terms of Use

We reserve the right at all times to update, modify or discontinue any part of these Terms of Use as we deem necessary or desirable, in our sole discretion. If we make changes to the Terms of Use, we will notify you by posting notice of the changes to the Terms of Use on GCX. Any changes to these Terms of Use will be effective upon the earlier dispatch of an e-mail or other notice to you informing you of changes to these Terms of Use or our posting of notice of the changes on GCX. We suggest that you revisit our Terms of Use page on GCX from time to time to ensure that you stay informed of any changes to our Terms of Use. Your use of GCX after we update the Terms of Use and post it on GCX will constitute your acceptance of the modified Terms of Use.

2. Registering, Eligibility and Member Account

There are no fees to join GCX, use many of the features on GCX or to act as a buyer of Gift Cards on GCX. However, sellers of Gift Cards on GCX may be charged sales commissions or listing fees as described in Section 3(g) of these Terms of Use, and may be charged Sale Price Reversals, Commission Recoveries and Card Refund Fees described in Section 7(d) of these Terms of Use. You can join GCX by registering and setting up a Member Account on GCX or via our mobile applications (" Member Account "). Use of GCX is intended solely for Members who are 13 years of age or older. If you are under the age of 13, you are not permitted to become a Member of GCX or establish a Member Account or use GCX. In addition, if you are between the ages of 13 and 17, you may only set up a Member Account and/or use GCX under the supervision of a parent or legal guardian who registers a Member Account on GCX for you and hereby agrees to be bound by these Terms of Use with respect to your use of GCX. If you serve as a parent/guardian of a minor between the ages of 13 and 17, who seeks to become a Member of GCX and who you have helped set up an Member Account, you represent and warrant that: (i) you are a custodial parent or duly appointed legal guardian of the minor for whom you have established a Member Account; (ii) the minor is between the ages of 13 and 17; (iii) that all information you have provided in the Member Account establishment process is true and correct; (iv) that the minor you have registered has your authority to use the payment method for which you have entered on GCX for the minor's Member Account and (v) you agree to take full legal responsibility for all activity conducted in the minor's Member Account and to be financially responsible for all such activity. If you are under the age of 18, you cannot sell a Gift Card on the Site, even if you have been set up by a parent or guardian to use the other features of GCX.

We permit limited access to GCX and services available on GCX to guests and visitors who have not registered a Member Account. In order to access all of the benefits of GCX, including the ability to buy and sell Gift Cards, you must set up a Member Account. You may only set up one Member Account on the Site. If GCX determines you have opened multiple Member Accounts, used any false, misleading, or stolen information to open a Member Account, or otherwise fail to adhere to these Terms of Use in the course of opening or maintaining a Member Account, as determined in our sole discretion, GCX reserves the right to terminate or suspend your access to GCX, terminate one or more of your Member Account(s), and treat all of your Member Accounts as if they are one Member Account, regardless of the name used to open the Member Account. Furthermore, you must fully comply with the following requirements: (i) provide complete, current and accurate information at time of registration, (ii) update all relevant Account information to keep it current and accurate (iii) provide and maintain a valid and current credit card on file at all times if you sell Gift Cards on GCX, (iv) select a security code for your Member Account that is not easy to guess or hack, and (v) maintain the security and confidentiality of your Member Account, including any access or use of security codes associated with your Member Account, so as to minimize the risk of unauthorized access of your Member Account. Finally, you agree to inform GCX immediately if you suspect that your Member Account at GCX has been hacked or subject to any unauthorized access or use. You agree that GCX may verify your information through whatever lawful means it deems reasonable and appropriate, to request additional information to confirm your identity and to deny you access to GCX if it determines any information provided is suspect, not accurate or cannot be confirmed.

We reserve the right to interrupt your service, your access to your Member Account, and/or your access to GCX or any services or Gift Cards offered on GCX, with or without prior notice, for any reason, at our sole and absolute discretion. In the event your Member Account or access to it is interrupted or terminated for any reason, whether intentionally or unintentionally, we will not be liable for any losses due in whole or in part by such interruption or termination of your Member Account or your access to GCX.

3. Promotional GCX Cash Program

GCX Cash is a promotional reward program offered by GCX to its Members. GCX may offer a variety of GCX Cash promotional points and reward points (collectively, “GCX Cash”) pursuant to various programs (“GCX Cash Programs”) in connection with the Site. The GCX Cash Terms available at https://gcx.raise.com/gcx-cash-terms govern your participation in any and all GCX Cash Programs. By participating in any of the GCX Cash Programs, including earning and redeeming any GCX Cash offered under any of the Programs, you agree to the GCX Cash Terms, which terms are incorporated herein by reference.

4. Use of GCX to Purchase, Sell, Gift, Store, Redeem and Manage Your Gift Cards

(a) Managing and Using Your Gift Cards on GCX, Gift Card Terms & Conditions and Your Responsibility Related to Gift Cards Stored, Used or Managed on GCX.. GCX allows you to more effectively buy, sell, gift, store, redeem and manage your Gift Cards. In addition to Gift Cards purchased on GCX, GCX provides you the functionality to store, redeem and manage your other Gift Cards not purchased on GCX within the GCX mobile wallet for in-store and online redemption. GCX provides this e-wallet storage and redemption feature for your convenience of use and you agree that when you add any other Gift Card into the GCX mobile wallet (or your web account) not acquired on GCX, that GCX is not responsible or liable for any of those Gift Cards. GCX is not responsible for any loss or damage resulting from the loss of any such Gift Card or the use of your GCX user account or GCX mobile wallet without your permission (including any Gift Card you have added therein).

Notwithstanding the above, GCX does offer Buyers on GCX a 90 Day Money-Back Guarantee under the Return Policy, which ceases to apply to a Gift Card if it is resold on any platform other than GCX. The 90 Day Money-Back Guarantee may change from time-to-time and, subject to its then current terms, only covers the purchase price of the relevant Gift Card purchased on GCX. We do not guarantee any associated savings or discount a Buyer may receive in conjunction with the Gift Card purchased on GCX. The 90 Day Money-Back Guarantee only applies to Gift Cards purchased on GCX and does not apply to Gift Cards purchased or acquired outside of GCX that you have chosen to add to your GCX mobile wallet or Member Account.

For certain Retailer Gift Cards on GCX, you may be able to transfer Gift Card balances between Gift Cards of the same Retailer. This functionality allows you to transfer Gift Card balances of any Gift Card in your GCX mobile wallet, whether that Gift Card was acquired on GCX or whether you simply added a Gift Card outside of GCX for the purpose of better managing and using your Gift Card. In that circumstance, our 90 Day Money-Back Guarantee may not apply to that Gift Card, as we may no longer be able to identify where the balance came from in the Gift Card you transferred a balance to. Please read our 90 Day Money-Back Guarantee to fully understand how our guarantee applies or does not apply in that particular circumstance. Irrespective of our Guarantee, GCX is never responsible for the loss of any Gift Card balance transferred from a Gift Card not purchased on GCX, whether in the event of a Gift Card being closed by a Retailer or otherwise.

Gift Cards may be subject to various other terms and conditions related to a particular Retailer or Gift Card, including, without limitation, various limitations as to use of the Gift Card, combination with other offers, redemption and voucher use rules, and whether a Gift Card can be used online, in store or both. These terms and conditions are generally presented with the Gift Card on the Site and you agree specifically to have read and accepted these particular terms and conditions when you agree to purchase the Gift Card in question on GCX.

GCX is not a party to any transaction that you may enter into with the Retailer as a result of your purchasing a Gift Card on GCX. GCX is not responsible for the quality of goods or services you acquire from a Retailer or otherwise procure using a Gift Card acquired on GCX. If a Retailer were to go out of business or go into bankruptcy prior to your use of all the value on their Gift Card, you understand that your sole and exclusive recourse with respect to the unused value of the Gift Card for that particular Retailer is with the Retailer in question (and not GCX) and, as an unsecured-creditor, you may not be able to recoup the value of any unused Gift Card for such a Retailer. The 90 Day Money-Back Guarantee does not apply in the circumstances that a Retailer ceases to honor its Gift Cards due to its going out of business, into bankruptcy or similar circumstances.

(b) Seller's Representations and Warranties. As a Seller, you represent and warrant that:

Any Gift Card listed for sale on GCX is a valid and authentic Gift Card and is only being listed for sale on GCX;
Any Gift Card listed for sale on GCX is redeemable for the balance stated in connection with the Sale Transaction;
Any Gift Card listed for sale shall not have an expiration date or could result in a listing denial and/or refund to the buyer;
You have not in any way retained a way to redeem the Gift Card after the Sale Transaction;
The Gift Card and any interest therein is fully transferable to the Buyer in the manner contemplated by these Terms of Use;
You are the sole lawful owner of the Gift Card and all interests thereto and that the Gift Card has been obtained in a lawful manner;
The Gift Card is not subject to any liens or encumbrances of a third party;
The Gift Card is in the case of electronic Gift Cards, in your sole control;
You will only list Gift Cards that can be used or sold in the U.S.; and
You will comply with all other requirements to complete the Sale Transaction, including without limitation, any procedures required by the GCX.

(c) General Rules of Conduct on GCX. By using GCX and setting up a Member Account, you agree to the following rules when visiting or transacting on GCX:

You cannot purchase more than $10,000 worth of face value Gift Cards per day;
You cannot list a Gift Card in excess of $2,000 in face value;
Electronic Gift Cards must have a minimum balance of $5;
The Gift Card must be able to be used within the U.S.;
You may not list a Gift Card for more than its face value;
You may not create more than one Member Account on GCX;
You must reside in the U.S. and transact any purchase or sale transaction on GCX only from within the U.S.;
To be a Member of GCX, you must always maintain a valid and up to date credit or debit card (with available funds) on file with your Member Account;
To be a Seller on GCX, you must have a valid and current credit card on file with your Member Account. We may also require you to link your personal bank account at a U.S. financial institution, or a PayPal account;
You may not use or redeem any Gift Card you list for sale on GCX while it is listed or after it is sold on GCX;
You may only sell Gift Cards for which you are the rightful legal owner and which you have obtained legally;
You will not allow your Member Account to have a negative balance;
Your Member Account is for your own personal use and you are not permitted to have a friend or other person use your Member Account on GCX; to use it for commercial purposes without our prior written approval, or to have a friend or other person use your Member Account on GCX, with or without your permission;
You are responsible for your own tax reporting (if applicable) and payment of any applicable taxes with respect to any Sales Transactions on GCX; and
You may not use GCX in any manner that is illegal, fraudulent or otherwise inconsistent with, or in violation of, the Terms of Use or applicable law; and
You may be required to provide us with current and accurate information about yourself (such as your name, address, date of birth, Social Security number, and/or copy of your driver’s license or other government-issued documents or information to help us verify your identity. It is prohibited to use false information or impersonate another person through your Account.

(d) Selling Gift Cards. When you sell a Gift Card on GCX, you agree to transfer ownership of the Gift Card and all of your interest in the Gift Card to the Buyer in return for a payment in the amount designated in the Gift Card sale transaction on GCX ("Sale Transaction"). In each Gift Card Sale Transaction that is completed in accordance with the Terms of Use, you will receive an amount equal to the price at which you sell a Gift Card on GCX, less the applicable sales commissions and listing fees, which are covered in paragraph (g) below, and any other amounts you owe us. As a Seller on GCX, you may set the price at which you wish to sell your Gift Card(s) on GCX and you may remove any Gift Card from GCX prior to its sale in accordance with these Terms of Use. In addition, you may authorize GCX to automatically adjust your Gift Card sale price and/or commission rate for your Gift Card(s) on GCX; subject to certain parameters you will agree to at the time you place your Gift Card for sale on GCX. Once a Buyer has confirmed a Sale Transaction for a Gift Card, that Gift Card cannot be removed from GCX and Seller is bound to sell that Gift Card at the price set forth in the Sale Transaction. Similarly, once a Buyer has confirmed a purchase of a Gift Card on GCX, that sale is final and cannot be unilaterally canceled by the Buyer. Listing a Gift Card on GCX will not ensure that the Gift Card will sell on GCX. GCX may remove a listing of a Gift Card for sale on GCX for any reason and at any time, including if the Gift Card has not sold over a period of time or if GCX has any concerns related to the sale of any particular Gift Card. A Gift Card may be “locked” through a Gift Card processor, whom GCX partners with, once listed for sale. “Locked” means the Gift Card is not usable, and the funds on the Gift Card are locked. If the Seller chooses to remove the listing prior from the sale, the funds on the card will be unlocked. The Seller may adjust the price or discount of the listing when it’s locked. At the time the Gift Card sells, the funds from the Gift Card will be removed; the Gift Card will unlock and remain active if needed for future use.

Seller Classification & Tier Program

(a) Overview

GCX Seller Classification & Tier Program (“Program”) is designed to streamline your selling experience and provide structured benefits, such as tiered commission rates, listing limits, expedited payouts, and other perks. Your seller tier will be based on your quarterly sales volume and remains in effect for the following quarter. Details regarding your current tier status, commission rates, and other tier-related information will be visible under the Listings page within your GCX account.

(b) Tier Determination

Quarterly Review: GCX will determine your tier status by reviewing your total sales volume for the previous quarter. Your assigned tier will remain in place for the next quarter.
Automatic Tier Adjustment: You can move up tiers within the quarter automatically. However, if you do not meet the sales volume requirements for your current tier, you will be moved down for the next quarter. Your tier will adjust based on increases or decreases in sales volume to match the appropriate level.
Discretionary Assignment: GCX reserves the right, in its sole discretion, to move a seller to a different tier or remove a seller from the Program at any time, including but not limited to instances of suspected fraud, policy violations, or other risk-related concerns.

(c) Tier Levels & Benefits

The Program may include multiple tiers (e.g., Bronze, Silver, Gold, Platinum, Diamond, Diamond Plus), each of which may have distinct requirements and associated benefits. Examples of tier parameters include, but are not limited to:

Quarterly Volume Thresholds (e.g., total sales amount that qualifies you for a particular tier)
Commission Fees (percentage of sale price retained by GCX)
Listing Fees (per-listing fees, if any, and any fee waivers for auto-listed cards)
Refund Fees (applicable only if a card is deemed invalid or results in a seller debit)
White-list Eligibility (ability to list certain brands)
Auto-listing Eligibility (faster listing without manual balance checks)
Payout Terms (e.g., number of days before proceeds are disbursed)
Listing Expiration (duration before an unsold listing expires)
Card Limit (maximum face-value amount)

A detailed, up-to-date table of Seller Tiers & Benefits—including thresholds, commissions, fees, and other conditions—will be maintained under the Listings page in your account and may also be published on the GCX website. Please review that table carefully, as it is considered part of these Terms of Use.

(d) Tier Changes & Amendments

Periodic Updates: GCX reserves the right to modify or discontinue any aspect of the Program, including eligibility criteria, tier thresholds, commission rates, listing fees, payout schedules, or other tier-specific benefits, at any time and in its sole discretion.
Notice: If GCX makes material changes to the Program, we will notify you by posting an updated version of the Seller Tiers & Benefits table under your Listings page or by sending you an email or other electronic notice. Continued use of GCX or the Program after such notice constitutes your acceptance of the changes.
Conflicts: If there is any conflict between this Section and other sections of these Terms of Use regarding selling, commissions, or fees, the more specific terms of this Section shall govern with respect to the Program. Otherwise, these Terms of Use apply in full.

(e) Additional Requirements

Compliance: You must continue to comply with all GCX policies, including those governing prohibited activity (Section 6), liability, and any other requirements set forth in these Terms of Use.
Suspension or Removal: Failure to comply with these Terms of Use or any tier-specific conditions may result in suspension or removal from the Program, adjustments to your tier status, or other remedial actions described in these Terms of Use.
Arbitration: Any disputes arising from or related to the Program are subject to the Arbitration Clause and Class Action Waiver set forth in Section 17 of these Terms of Use.

(e) Gifting Gift Cards. You are able to electronically gift certain Gift Cards on GCX to other Members and non-Members. You are responsible for providing the correct information about the gift recipient, including their name, email address and/or mobile phone number, which is used to electronically send the Gift Card to the giftee. Gift Cards sent as gifts are covered by our 90 Day Money Back Guarantee, similar to any Gift Cards bought on GCX.

As mentioned above, gifts can be sent to other GCX Members and non-Members alike. If the giftee is a Member who has an existing GCX account, then the gifted Gift Card will be placed in their GCX account or mobile wallet, and they will be notified of the gift via email and/or text. If the giftee is not an existing GCX Member (or has not yet installed the GCX mobile application), a provisional user account will be set up to securely store the Gift Card. The giftee will be notified of the gift via email or text. Within the first thirty days of receiving the gift, the giftee will be able to access the Gift Card details (serial number and pin, plus a printable voucher in some cases) without registering for a GCX account. As a security precaution, giftees will be required to register for a full GCX account (as opposed to a provisional user account) to access the digital Gift Card that has been gifted to them after thirty days have passed.

(f) Gift Card Sale Transaction Verification & Payment Processing.

No Sale Transaction is complete, and GCX will not facilitate the payment of funds to a Seller for a Sale Transaction, until GCX verifies (i) the balance on all Gift Card(s) associated with such Sale Transaction (to the extent possible), (ii) other details related to the Gift Card(s) sold, (iii) the Buyer of the Gift Card(s) in the Sale Transaction and (iv) the Seller of the Gift Card(s). As a part of the verification process, GCX may require a Seller or Buyer to provide additional identification information, including, without limitation, a copy of a valid driver's license (or other form of identification) prior to or after listing Gift Cards for sale. In addition, as a part of the verification process, the Seller authorizes GCX to charge to the Seller's credit card a $1.00 authorization charge (or such other amount identified to Seller at time of verification on GCX), which amount will be refunded following successful authorization. Members may also be asked to go through additional security procedures and share additional information to confirm their identity. GCX reserves the right to reject any Gift Card(s) that we believe (in our sole discretion) may: (i) be fraudulent, invalid, inauthentic or stolen, (ii) have come from an unauthorized or illegal source, (iii) be related to any illegal activity or (iv) otherwise pose a financial risk to us, our Members, or Retailers. Not all Gift Cards can be sold on GCX. GCX accepts no responsibility for any Gift Card listed on GCX and reserves the right to refuse to process or sell any Gift Card on GCX and may cancel any Sale Transaction in its sole discretion.

Certain payment processing services for GCX are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the "Stripe Services Agreement"). By agreeing to these Terms of Use or using GCX, you further agree to be bound by the Stripe Services Agreement, as the same may be modified by Stripe from time to time. As a condition of us enabling payment processing services through Stripe, you agree to provide us accurate and complete information about you, and if applicable, your business. You further authorize us to share all such information, including all transaction information, related to your use of the payment processing services provided by Stripe.

(g) Risk of Loss. GCX accepts no liability for any lost Gift Card. Once a Sale Transaction has been confirmed through our confirmation process and the sold Gift Card's title is transferred to the Buyer, the Buyer is then fully responsible for such Gift Card.

(h) Commission and Seller Fees In connection with all sales of Gift Cards on GCX, GCX charges the Seller of a Gift Card a sales commission (the “Sales Commission”) and a Listing fee for any Gift Cards listed and sold on GCX. The Sales Commission and any applicable listing fee (collectively, “Seller Fees”) are paid by the Seller from the proceeds of the Gift Card sale transaction (the “Sale Transaction”) and are deducted from the sale proceeds prior to crediting the Seller’s GCX account balance.

Sales Commission
- The Sales Commission is up to fifteen percent (15%) of the Gift Card sale price in the Sale Transaction on GCX, unless:
  - You have negotiated a different Sales Commission rate with GCX under a separate arrangement or written agreement with GCX; or
  - GCX has otherwise informed you of a different commission rate or structure at the time you enter into a Sale Transaction on GCX.
- For example, if you sell an electronic Gift Card with a face value of $100 for $90, the standard Sales Commission would be $13.50 (15% of $90). You would receive $76.50 (the $90 sale price minus $13.50 commission), less any applicable listing fee (as described below).
Listing Fee
- The Listing fee is up to $0.30 for all cards that are listed and sold on GCX, unless:
  - Your account is auto-listing eligible and you choose to auto-list and bypass the balance check process, the applicable Listing fee is waived.
- Manually Listed Cards / Balance Check Requests: If you opt out of auto listing or request a balance check for any Gift Card, then a listing fee will apply to each such listing. The listing fee, if applicable, will be disclosed to you at the time you place your Gift Card for sale on GCX.
- Fee Deduction Any listing fee will be deducted along with the Sales Commission from the sale proceeds before crediting your GCX account balance.
- For example, if you sell a $100 face-value Gift Card for $90 and you did not auto-list the listing would incur a $0.30 listing fee. The Sales Commission is $13.50 and the listing fee is $0.30. You would receive $76.20 ($90 - $13.50 - $0.30) after the Sale Transaction is consummated.

(i) Payment Options & Fees for Buyers and Sellers.

Buyers: When you make a purchase on GCX, whether on the website or mobile applications, GCX may accept various forms of payment from time to time, including credit cards, debit cards, credit provided by us in your Member Account and Apple Pay, however we may change the accepted payment methods in our discretion. It is your responsibility to retain the relevant payment card (if any) or purchase method and ensure it is linked to your Member Account or otherwise available to GCX or its payment processor, for the purpose of receiving any refund to which you may be entitled under these Terms of Use. By making the purchase on GCX, you warrant that you are authorized to use the designated debit or credit card or other payment method and you authorize us or our service provider to charge your designated credit or debit card or other payment method for any order you place on GCX, in the stated amount of the transaction plus any other amount necessary to correct an error. Transactions may be initiated immediately upon your completion of a sale transaction, and you may be unable to cancel it. When you provide your payment information, you authorize us (or a third party payment processor) to process and store your payment and related information. In the event that the designated credit or debit card or other payment method cannot be verified, is invalid or is otherwise not acceptable to GCX, we may (i) suspend or cancel your order automatically, (ii) prohibit you from buying and/or selling Gift Cards on GCX until a valid, verifiable credit/debit card is on file with your Member Account and/or (iii) suspend or terminate your account on GCX. Payment card processing fees may apply even if the designated debit or credit card has expired or changed by the time we submit the charges to your card. We are not responsible for any debit card or overdraft fees, credit card interest, or any other fees charged by the provider of your payment method, associated with any order you place using GCX. If you use a crypto currency and it is converted to U.S. dollars and we cancel or reverse your transaction, we are not responsible for conversion of your U.S. dollars to a particular crypto currency. You agree to fully cooperate with GCX in an effort to resolve any problems we encounter in order to process your requested order on GCX.

Sellers: Prior to being able to request and receive any cash payment for a Gift Card sold on GCX, you must set up an ACH Direct Deposit with GCX or you may also opt to request cash payment via PayPal to a Verified account subject to the terms below. GCX will not make any payments of sales proceeds via any direct deposit feature (or similar feature) of a pre-paid debit card. Under certain circumstances, you may have the ability to receive a credit in your Member Account to be exclusively used on GCX, as consideration for the sale of a Gift Card on GCX. The terms of such credit will be set forth on the Site. In addition, you are required to have a valid credit card on file with GCX at all times, to enable GCX to exercise its recourse rights set forth in Section 7(d) below. Upon request from the Seller for any proceeds credited to Seller's account for the sale of a Gift Card and subject to GCX's recourse set forth in Section 7(d), GCX will pay the requested amount as follows:

Payment by ACH will be honored at no additional charge;
Payment by PayPal may be subject to additional fees identified at the time you select your payment method and PayPal may assess additional charges and fees that GCX is not responsible for;
Each Seller may make one payment request per day; and
If you sell a certain number of Gift Cards on GCX, you may be eligible for other payment methods.

(j) 1099-K Reporting Policy and Disclosure Information.

You are responsible for determining your tax liability, if any, associated with any transaction you make on GCX, and for remitting your required tax payment(s) to the appropriate tax authority. If a seller meets the threshold requirements for tax reporting in a calendar year, GCX will generate a Form 1099-K for the seller, file it with relevant taxing authorities, and provide the seller access to it (or deliver copies of it). These threshold requirements relate to reportable payment transactions under Internal Revenue Code 6050W.

1099-K reportable payment transactions include the following details for completed transactions:

Gift card price
Associated sales tax (If Applicable)
Merchant Fees (If Applicable)

The total gross amount does not include any adjustments for credits, cash equivalents, discount amounts, fees, refunded amounts, or any other amounts after completion. Some states have their own tax reporting thresholds. These could be different from the federal threshold mandated by the Internal Revenue Service. Whenever a seller meets the federal threshold, GCX will also file copies of Form 1099-K with state taxing authorities that have 1099-K filing requirements. Consult your tax advisor to determine any thresholds that may exist and apply to you in your state.

All Form 1099-Ks will utilize the unique GCX user account number that is generated – and permanently connected – to your account when you create it. All affiliated and attributable tax reporting information will be associated and reported exclusively at this account level.

If you discover an issue with your reported 1099-K, contact GCX via the Help Center. Provide details about the issue, so that we can work to correct your Form 1099-K.

If you have already submitted a Tax Identification Number for W-9/CIP purposes, the information should not be changed. (This is because GCX accounts are non-transferrable.) In this case, the individual must be the owner of the business and be authorized to utilize the EIN. GCX may review the EIN and business information for confirmation. Likewise, you may switch from an EIN to an SSN if the business has been dissolved and you wish to continue selling under your own SSN. These are the only cases where the information can be changed.

Users cannot transfer account ownership to another individual.

All tax documentation and statements provided by GCX do not constitute, nor should be construed as, legal or tax advice. Please consult your tax advisor, accountant, or the Internal Revenue Service for assistance in utilizing your Form 1099-K when filing tax returns.

GCX may hold, remit, and report user funds if it receives a government notice or as part of a government process.

5. Authorized Use & Termination of Access.

You can use GCX only for its intended purposes and solely in accordance with these Terms of Use. Subject to your full compliance with these Terms of Use, GCX grants you a limited, nonexclusive, non-sublicensable license to access and use GCX solely for the purpose of purchasing, selling or managing Gift Cards or receiving other available services and features on GCX. This limited use and access license is revocable at any time by us.

Your Member Account with GCX and any access to the products, services, your GCX Cash, and/or any portion of our Site, including any of our mobile applications, is and shall remain at the sole and absolute discretion of GCX. Therefore, we reserve the right to temporarily or permanently terminate, suspend, or refuse to permit your access to any portion of GCX (including any of our mobile applications and your Member Account) and any of the services provided on GCX for any reason, all at our sole and absolute discretion, with or without notice and without liability to you of any kind. You further agree that you will remain bound to the terms of these Terms of Use at all times during any suspension and after termination of your Member Account or access to GCX, with respect to any purchase or sale transactions, occurrences or acts or omissions on your part prior to or during the suspension, or prior to termination. We reserve the right to terminate or change any of the services available on GCX including any services or programs related to GCX Cash. You do not have a contractual or legal right to continue to use our Service, for example, to sell or buy on our Websites or Apps. We will not be liable to you for the effect that any changes to the Service may have on you, including your income or your ability to generate revenue through the Service.

You are not entitled to the proceeds of any transaction you make on the GCX platform which (i) you were not entitled or eligible to make under these Terms of Use, (ii) which are subject to a chargeback or otherwise returned to the Buyer under our then-current refund policy, (iii) which you earn from transaction that was not conducted in accordance with these Terms of Use, or (iv) if you otherwise violate these Terms of Use. GCX reserves the right to limit your ability to access funds associated with your Member Account for any reason without prior notice. GCX may conduct an investigation to determine whether you have violated these Terms of Use and the scope of losses associated with such violation(s). If GCX requests additional information from you, you must provide such information promptly. Failure to do so may prolong the investigation and suspension of your Member Account and forfeiture of the balance in your Member Account. GCX maintains sole discretion to determine the appropriate scope of investigation and associated conclusions.

If GCX determines you have violated these Terms of Use, then your Member Account may be terminated. If the balance of your Member Account is less than the amount of funds you have earned through your violation of these Terms of Use, then you authorize GCX to take additional steps to recover such funds, by (i) charging the debit or credit card associated with your Member Account, (ii) initiating an electronic fund transfer from the bank account associated with your Member Account immediately, or (iii) taking any other actions to collect such funds. GCX may also hold you responsible for reasonable costs incurred by GCX as a result of investigating and remediating your violation of these Terms of Use. These costs may include, but are not limited to, bank fees, collection fees, and attorneys’ fees, where permitted by law.

If you have opened multiple Member Accounts, GCX will treat all of your Member Accounts as one consolidated Member Account for purposes of this Section 5. This means that if you do not comply with these Terms of Use with respect to your use of one Member Account, GCX may pursue any remedies it may have under these Terms of Use, with respect to any of your Member Accounts. For example, if we have a right to withdraw funds from the balance in one Member Account, we may withdraw funds from any of your Member Accounts. This is true even if you have used different names or contact information to open each Member Account. We may determine whether you have opened more than one Member Account in our sole discretion.

6. Prohibited Activity.

In connection with using or accessing GCX (including your Member Account), whether via the website, our mobile applications or otherwise, you agree not to do, and not to facilitate any third party doing, any of the following (each a "Prohibited Activity" ):

(a) Modify, alter or otherwise make any derivative uses of the GCX content, trademarks, technology platform or its underlying software, or any portion thereof;

(b) Copy, reverse engineer, decompile, disassemble or attempt to discover the source code of the GCX technology platform or its underlying software;

(c) Use any automated or non-automated means of data gathering, data mining or extraction methods on or in connection with GCX, including any use of "robots", "scrapers", "spiders", "readers" or similar devices;

(d) Infringe upon or violate the rights of GCX, its users, third parties or Retailers;

(e) Download, copy or imitate any portion of the GCX technology platform, its underlying software and content, or its user interface, or the Site, except as expressly permitted by GCX;

(f) Use GCX in any way that could damage, disable, overburden, place excessive demand on or impair our Site, mobile applications or any services we offer via GCX;

(g) Attempt to gain unauthorized access to (i) any Member's personal information, personal profile, e-wallet or Member Account or (ii) GCX and its mobile applications, including but not limited to any GCX accounts, computer systems and/or network systems, through any means, including via a proxy server, or use any unauthorized access whether or not intentionally acquired;

(h) Aggregate or scrape any content, data or other information from the Site (whether using links, scraping technology or other technical means) to be aggregated or shown with material from other sites or on a secondary site without our express written permission;

(i) Hyperlink to the Site or deep-link to any portion of our Site without our written consent;

(j) Interfere with our Site's or our mobile applications' operations, attempt to access or steal any data and information on or related to the Site;

(k) Seek to transact any fraudulent or illegal activity, through any means or corrupt practices, including but not limited to any of the following: hacking, password mining, deceptive impersonation of another person, misrepresentation of your affiliation with a person or entity, hiding or attempting to hide your true identity or location (including via proxy server or otherwise) or providing false, inaccurate or altered documentation, information or identification;

(l) Circumvent or seek to circumvent any security measures or other features meant to protect the security of the Site and GCX Members' security;

(m) Make any unsolicited offers, advertisements, proposals, or send junk mail, spam or chain letters to other GCX users or any other similar type of solicitation not approved of by GCX in writing;

(n) Upload to GCX images, content or other material that is illegally obtained, in violation of a third party's intellectual property rights, or offensive, libelous, defamatory, harassing, threatening, inappropriate, deceptive or misleading in any way;

(o) Send or receive what we reasonably believe to be potentially fraudulent funds or otherwise use GCX in a manner that we believe is intended to facilitate a criminal or fraudulent activity or enterprise;

(p) Seek to access or use GCX from a country other than the U.S.;

(q) Use the Site in a manner that results in or may result in complaints, chargebacks, customer refunds, invalid Gift Cards, fees, penalties or other liability to GCX, its other members or partners;

(r) Make any fraudulent, improper or false refund request or claim under the GCX refund policy or any similar customer guarantees provided by us from time-to-time;

(s) To provide any additional information about yourself as a Seller to the Buyer of a Gift Card or otherwise seek to sell Gift Cards directly to any Buyer on GCX;

(t) Engage in, or be involved in, any criminal and/or fraudulent activities, including not limited to, the following with regard to any Gift Cards bought and/or sold on GCX: (i) use of a Gift Card by the Seller after sale or in a manner that diminishes the value represented on GCX; (ii) any sale (or attempted sale) of a Gift Card to multiple parties; (iii) the use of any fraudulent or unauthorized payment method to acquire Gift Cards on GCX; (iv) provision of fraudulent, invalid, stolen or improperly obtained Gift Cards for sale on GCX or (v) the use of Gift Cards to perpetrate or facilitate any other criminal activity;

(u) Violate any terms and conditions set forth in the GCX Cash Terms; and

(v) Use GCX other than for its intended purposes (including for any malicious, threatening, unethical, harassing, fraudulent or illegal activity) or otherwise in violation of these Terms of Use.

7. Your Liability - Actions We May Take and Fees We May Assess.

(a) General. You are responsible for all chargebacks, fees, fines, penalties and other liabilities incurred by us, any Member, a Retailer or any third party caused by or arising out of your breach of these Terms of Use, any Prohibited Activity and/or your use of GCX.

(b) Actions We May Take - Related to Prohibited Activity or Any Breach of these Terms of Use. If GCX, in its sole discretion, believes that you have breached these Terms of Use or engaged in any Prohibited Activity, we take various actions to protect GCX, our Members, Retailers or others from claims, refunds, chargebacks, fees, fines penalties or any other liabilities or exposure. The actions we may take include, without limitation, the following:

We may close, suspend or limit your access to your Member Account or GCX (including limiting your access to your funds, your GCX Cash and/or your Gift Cards, your ability to sell or purchase Gift Cards or request payment from us);
We may refuse to allow you to be a Member or otherwise access GCX in the future;
We may hold your funds (including any GCX Cash) if reasonably needed in our sole discretion to protect against the risk of liability, in connection with the sale of potentially Invalid Cards (as defined below), member refunds or as otherwise provided in this these Term of Uses;
We may terminate any Gift Card Sale Transactions on GCX and withhold any payments associated with such transactions;
We may close, suspend, and limit your access to your funds, due to a high refund rate that is associated with gift cards sold that were defective and/or unable to be used properly;
We may contact your bank and/or credit card issuer, Retailers, law enforcement and any other third parties impacted by your activities;
We may investigate any Prohibited Activity or breach of these Terms of Use or the GCX Cash Terms and may notify and cooperate with appropriate law enforcement agencies;
We can and may share any information related to your Member Account, transaction history, payment information and other information related to your usage of GCX with law enforcement or relevant Retailers in connection with any investigation into any potentially criminal, fraudulent or Prohibited Activity;
We may use information you provide us or related to your activity on GCX to investigate any potentially fraudulent or criminal activity or any Prohibited Activity, including to ensure you have not made improper or fraudulent refund requests under any GCX refund policy or member guarantee;
We may recover amounts owed to us by charging the credit or debit card you have provided or debiting the bank account associated with your Member Account;
We may take legal action against you; and
We may, in our sole discretion, terminate all access to this Site, your Member Account and our services for any reason and at any time.

(c) Actions We Take - Holds and Reserves on Funds and your Member Account.

i. Legal Process & Court Orders. We may, in our sole discretion, take various actions, including placing a hold, reserve or other limitations on your Member Account or the funds or credits in your Member Account in the event we suspect you have violated these Terms of Use or receive notice of a court order or other legal process that restricts the use of or access to your funds or requires their holding, release, or seizure. We will provide notice of such hold, reserve or limitation, unless the court or law enforcement otherwise directs us not to provide you notice, in which case the court order or other process will supersede any notice obligation in these Terms of Use. In addition, in the event we receive a notice of garnishment, lien or levy on your Member Account directing us to retain funds or directing us to pay funds from your Member Account to a court, government body, agency or third party, we may limit your Member Account, hold relevant funds and ultimately disburse funds as necessary.

ii. Invalid Cards, Risk-Based and Verification Reasons. We may, in our sole discretion, place holds on payment of funds to you or reserves on funds in your Member Account (including any GCX Cash), under the following circumstances: (A) if we provide a Buyer a refund under our return policy for a Gift Card sold by you on GCX, (B) as we investigate any Invalid Cards (as defined below), any Gift Card refund requests, or any potentially illegal or fraudulent activity or any Prohibited Activity, (C) if we believe there may be a high level of risk associated with you, your Member Account or your transactions on GCX, (D) until we have been able to complete certain verification procedures relate to you and the processing of your Sales Transactions (including third party processor verification requirements) and (E) in connection with our recourse in Section 7(d) below. Our determination that you are a higher risk account may be based on a variety of factors, including your activity on GCX and information we may receive from third parties or otherwise. If we place a reserve or hold on funds in your Member Account (or debit your GCX Cash in your Member Account), you will be informed of such reserve, hold or action. If your Member Account is subject to a reserve, we will provide you notice of this reserve, specifying the terms of the reserve or the policy under which such reserve is being placed.

(d) Financial Recourse and Fees We May Assess Against Sellers. AS A CONDITION TO BEING A SELLER ON GCX, YOU HEREBY AUTHORIZE GCX TO: (I) CHARGE YOUR PAYMENT METHOD (CREDIT CARD OR BANK ACCOUNT) ON FILE WITH GCX, (II) DEBIT YOUR MEMBER ACCOUNT ON GCX (INCLUDING YOUR GCX CASH) AND/OR (III) WITHHOLD ANY PAYMENT OWED TO YOU, FOR THE AMOUNTS DESCRIBED BELOW IN THE EVENT THAT ANY GIFT CARD YOU SELL ON GCX IS DETERMINED BY US TO BE AN "INVALID CARD," OR IF ANY GIFT CARD YOU SELL ON GCX IS SUBJECT TO A REFUND UNDER OUR THEN CURRENT REFUND POLICY, OR YOU ARE IN VIOLATION OF OUR TERMS OF USE. By violating our Terms of Use, you may be subject to a range of actions, including limits on your buying and selling privileges, restrictions on listings and account features, suspension of your account, application of fees, and recovery of expenses for policy monitoring and enforcement.

All of the following amounts will be charged against the funds and/or credits in your Member Account and/or your payment method on file with GCX, and you will be liable to us for any amounts that we could not charge due to insufficient funds or credits in your Member Account:

i. Fees, Commission and Member Account Adjustments: In the event you sell any Gift Card through GCX, that we determine in our sole discretion to be an "Invalid Card" (as defined below) or which we determine is subject to our then current money-back refund policy (the 90 Day Money-Back Guarantee), we will charge your Member Account (including your GCX Cash) and/or your payment method on file with GCX for the full amount of the proceeds that were credited to your Member Account for the sale of the Invalid Card (the "Sale Price Reversal" ). You also may also be liable for the full Sales Commission relating to the Invalid Card in question, even if we reduced the Sales Commission to less than fifteen percent (15%). In the event you sell an Invalid Card on GCX, you authorize us to charge your Member Account and/or your payment method on file with GCX for that Sales Commission or portion thereof necessary to ensure that you are charged for the full Sales Commission associated with such Invalid Card (the "Commission Recovery" ). In addition, GCX may charge your Member Account and/or your payment method on file with GCX a "Card Refund Fee" in amount of $5 for each such Invalid Card. In addition, if any Seller account violates these Terms of Use, GCX may charge a "Terms of Use Violation Fee" up to the amount of the account balance at the time the violation occurred.

An "Invalid Card" is any Gift Card that we determine, in our sole discretion: (1) to be invalid or not active for any reason, including without limitation if the Gift Card is determined to be fraudulent, counterfeit, stolen, inauthentic, unusable or non-transferable in any way, or we determine that you have resold, used or invalidated the Gift Card; (2) to be associated with any illegal or fraudulent activity or from an illegal or unauthorized source; (3) had a zero balance when sold by you or has a lower balance than you represented at the time of sale on GCX; (4) is a different brand from what you represented when selling the card on GCX.

ii. Additional Remedies: In addition to the above fees and remedies, GCX may seek any and all other forms of recourse against a Seller it determines has sold invalid, fraudulent, inaccurate or illegally obtained Gift Cards on GCX or any Seller who GCX determined was involved in any illegal or fraudulent activity in connection with its sale of Gift Cards on GCX. All of our remedies are cumulative.

(e) Our Right to Reverse Refunds. In the event GCX determines, in its sole discretion, that you have mistakenly, improperly or fraudulently sought and received a refund for a Gift Card purchased on GCX under our then current refund policy, you authorize GCX to charge your payment method on file (credit or debit card) with GCX or debit your Member Account (including any of your GCX Cash) the full amount of any such improper Gift Card refund(s) requested by you. Furthermore, in this circumstance, GCX reserves the right to suspend or terminate your Member Account on GCX.

(f) Dispute of any GCX Recourse. In the event you believe in good faith that there may have been an error in our assessment of any fees, charges or other permitted recourse to your Member Account associated with a Gift Card you sold or purchased on GCX (including the recourse in this Section 7), you may contact GCX Member Services (which information is available on our Site) or your account manager, if applicable. You must provide us with all relevant information to support the reason you believe the recourse we took with regard to your Member Account or a particular Gift Card you bought or sold on GCX was not warranted and we will then, at our discretion, engage in further investigation of the particular matter (to the extent possible) to determine if there was any error in our assessment of any fees or charges to your account or any other similar permitted recourse hereunder. You hereby agree to fully cooperate with GCX in any such further investigation and to only provide us with full and truthful information. GCX will communicate its determination (after any such investigation) in accordance with its then existing policies and procedures. The timing and terms of any additional investigative process will be entirely dependent upon our then current policies and procedures related to such matters, which may change from time-to-time. You further agree that GCX's determination after such additional investigation (to the extent possible) is final.

(g) Dormancy Fee. If you do not use your Member Account within a twelve (12) month period, GCX reserves the right to assess a dormancy fee. The GCX dormancy is [$5.00] for every month you do not use your Member Account. To avoid the dormancy fee, you must log in to your Member Account at least once every twelve (12) months and take one of the following actions: (i) sell a Gift Card, (ii) purchase a Gift Card, or (iii) initiate a transfer from your Member Account to an external bank account. If you fail to take one of these actions during a twelve (12) month period, GCX reserves the right to either assess the dormancy fee or terminate your Member Account. Dormancy fees will be assessed against the balance of your Member Account, if you maintain a balance, or by charging the debit or credit card connected with your Member Account. If GCX terminates your Member Account due to dormancy, you authorize GCX to initiate an electronic fund transfer from your Member Account to the external bank account, or such other payment method we may support, which is connected to your Member Account at the time your Member Account is terminated or we otherwise have on file for you.

8. Delinquent Payments, Negative Accounts & GCX Recourse.

If your Member Account becomes past due (or negative) for any reason, your Member Account will be subject to a late payment charge of 1.5% for each thirty (30) day period it is past due, on the balance of the past due amount or the highest amount permitted under applicable law, whichever is lower (the "Late Payment Fee" ). This Late Payment Fee will be charged to your Member Account on the last day of each month your Member Account has a negative balance. For Member Accounts with any amounts past due, GCX may also deduct the amount owed (plus any accrued Late Payment Fees) from your payment method on file with GCX or debit such amounts from any proceeds (or credits or GCX Cash) on current or future Gift Cards sold by you on GCX under your Member Account or any other Member Account we identify as yours or related to yours. In addition, we may close or suspend your Member Account for nonpayment or an outstanding negative balance, and you may be responsible for collection and related legal costs we incur. We may also first deduct any amounts (including Late Payment Fees) you owe us from any amount we owe you under your Member Account or any related Member Accounts. In the event your Member Account is suspended or terminated for any reason, any amount due on your account will be immediately due and payable. Closing of Member Accounts or opening and maintaining more than one Member Account does not alter your total liability to us, and we may combine amounts due to us from multiple Member Accounts. We may report information about your Member Account to credit bureaus, law enforcement or Retailers, so late payments, missed payments, or other defaults on your account may be reflected in your credit report.

9. Intellectual Property & Trademarks.

Unless otherwise indicated by us, the GCX Site and all content and other materials therein, including, without limitation, the GCX trademarks, logos and all other GCX designs, text, graphics, pictures, information, data, software, sound files, other files made available on GCX and the selection and arrangement thereof, and any documentation provided to you by or on behalf of GCX (but excluding any and all trademarks, service marks or other intellectual property of Retailers found on GCX) are the exclusive property of GCX. "GCX" and the GCX logo and any related slogans are GCX's trademarks in the United States and may not be copied or used without the prior written permission of GCX. Unless explicitly stated by us, nothing in these Terms of Use shall be construed as conferring any ownership in or license to any intellectual property rights, whether by estoppel, implication or otherwise.

All trademarks not owned by GCX that appear on this Site are the property of their respective owners. Reference to any products, services, merchants or retailers available on GCX does not constitute or imply any endorsement, sponsorship or recommendation by GCX. Furthermore, GCX is not the issuer of any of the Gift Cards available for sale on GCX, is not the seller of any secondary Gift Cards sold on GCX and is not related to any of the Retailers whose trademarks and Gift Cards appear on GCX for sale.

By posting or uploading any information, content or material to GCX's Site, you hereby agree to the following:

You hereby grant GCX an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display, and distribute said information, content or material and to grant and authorize sub-licenses of the foregoing.
You hereby grant GCX all rights necessary to prohibit any subsequent aggregation, display, copying, duplication, reproduction or exploitation of the information, content or material by any party for any purpose.

10. Copyright Complaints.

In accordance with the Digital Millennium Copyright Act ("DMCA") and other applicable laws, GCX may also terminate or suspend the account of any member who infringes any intellectual property rights of a third party, whether a repeat infringer or not. If you believe that any user content on GCX infringes upon any copyright that you own or otherwise control, you may file a notice of such infringement with our Designated DMCA Agent identified below, with the following information in writing: (i) a physical signature of the person authorized to act on behalf of the owner of the copyright interest; (ii) a description of the copyrighted work that you claim has been infringed upon; (iii) a description of where the material that you claim is infringing is located on the Site; (iv) your address, telephone number, and email address; (v) 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; and (vi) 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.

Designated DMCA Agent: Attn: DMCA Copyright Agent, GCX Legal Department, 2045 West Grand Avenue, Suite B #61404, Chicago, IL 60612, Email: legal@raise.com

11. Links to Other Websites.

GCX may link to third-party websites, services, and mobile applications ( "Other Websites" ). These links are provided as a convenience to you and not because we endorse these Other Websites. We are not responsible for the content or the accuracy of materials on these Other Websites, or the privacy practices of these Other Websites. If you decide to access any Other Website, you do so at your own risk and we are not responsible for any damages or liabilities caused or alleged to be caused by any use of the Other Websites.

12. Your Privacy.

We take the privacy of your personal data seriously. We encourage you to read our Privacy Policy for disclosures about how we may collect, use and share personal data and the choices you may have with respect to the data we may collect and use. Our Privacy Policy is incorporated into these Terms of Use and is available Privacy Policy.

13. Electronic Communications.

When you use GCX or otherwise send emails to GCX, you are communicating with us electronically and you consent to receive electronic communications related to your use of GCX, including push notifications. We will communicate with you by email, push notification or by providing notices on the Site. You agree that any communication we may send you via email or push notification will satisfy any legal requirement that any such communication be in writing. Any notice delivery by GCX via email will be effective when sent to the email address you provided to GCX or from which you otherwise email us. You further agree that you are responsible for maintaining an active email account on file with your Member Account and for any spam-filters (or similar content blockers) that may impact a GCX communication to you.

14. Disclaimer of Warranties & Waiver of Claims.

YOU EXPRESSLY AGREE THAT YOU ARE USING THE SITE AND ANY SERVICES OFFERED BY US AT YOUR OWN RISK AND THAT THE SITE AND SERVICES AVAILABLE ON THE SITE ARE PROVIDED "AS-IS" AND "AS-AVAILABLE". TO THE MAXIMUM EXTENT ALLOWED UNDER APPLICABLE LAW, GCX DISCLAIMS ANY AND ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS, WHETHER EXPRESS, IMPLIED OR STATUTORY, AS TO THE OPERATION OF THE SITE, INFORMATION CONTAINED ON THE SITE OR ANY OF THE GIFT CARDS OR OTHER OFFERINGS AVAILABLE ON THE SITE OR ANY OTHER PROGRAMS AVAILABLE OR ACCESSIBLE THROUGH THE SITE, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES NON-INFRINGEMENT, MERCHANTABILITY, SUITABILITY, UP-TIME, OR FITNESS FOR A PARTICULAR PURPOSE. GCX MAKES NO WARRANTY THAT THE SITE WILL BE UNINTERRUPTED, SECURE, VIRUS FREE OR ERROR FREE. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY GCX OR ANY REPRESENTATIVE OF GCX WILL CREATE A WARRANTY OR OBLIGATION ON THE PART OF GCX OR SUPERSEDE ANY OF THESE TERMS OF USE.

GCX IS NOT THE ISSUER OF THE GIFT CARDS SOLD ON GCX AND IS NOT RESPONSIBLE FOR WHETHER OR HOW A PARTICULAR RETAILER HONORS SUCH GIFT CARDS, PARTICULARLY IN THE CIRCUMSTANCE WHEN A RETAILER GOES OUT OF BUSINESS OR IS IN BANKRUPTCY OR LIQUIDATION. TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, YOU AGREE THAT YOU WILL NOT SEEK RECOURSE AGAINST (AND HEREBY WAIVE ANY AND ALL CLAIMS AGAINST) GCX IN THE CIRCUMSTANCE THAT A RETAILER DOES NOT HONOR A GIFT CARD BECAUSE IT IS UNABLE TO PAY ITS DEBTS, GOES OUT OF BUSINESS, LIQUIDATES, GOES BANKRUPT, OR OTHERWISE REORGANIZES. FURTHERMORE, GCX IS NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE RESULTING FROM LOST OR STOLEN GIFT CARDS IN YOUR MEMBER ACCOUNT OR GCX MOBILE WALLET OR USE OF YOUR GCX ACCOUNT OR GCX MOBILE WALLET (AND ANY GIFT CARDS THEREIN, INCLUDING ANY GIFT CARDS YOU ADD TO YOUR GCX MOBILE WALLET NOT OTHERWISE ACQUIRED ON GCX) WITHOUT YOUR PERMISSION AND YOU HEREBY AGREE TO WAIVE ALL CLAIMS AGAINST GCX RELATED TO SUCH MATTERS.

15. Limitation of Liability.

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT SHALL GCX, IT SUBSIDIARIES OR AFFILIATES OR ANY OF THEIR RESPECTIVE OFFICERS, EMPLOYEES, AGENTS, MERCHANTS, LICENSORS OR PARTNERS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES ON ACCOUNT OF LOST PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR LOST BUSINESS ARISING OUT OF, RELATED TO, OR IN CONNECTION WITH (I) THE USE OF THE SITE, THE SITE AND/OR MEMBER CONTENT, INCLUDING ANY PERSONAL INFORMATION, (II) THE USE OF THE SERVICES ON THE SITE (OR INABILITY TO USE THE SERVICES), (III) THE MARKETING, PURCHASE OR SALE OF ANY GIFT CARDS ON THE SITE, AND (IV) ANY SERVICES OR OFFERINGS PROVIDED BY ANY THIRD PARTIES ACCESSIBLE FROM OR THROUGH THE SITE, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY(INCLUDING, CONTRACT, TORT, WARRANTY, STRICT LIABILITY, ETC.) AND EVEN IF GCX WAS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL GCX'S TOTAL LIABILITY TO YOU, WHETHER IN CONTRACT, TORT, WARRANTY OR ANY OTHER THEORY OF LAW, ARISING UNDER THESE TERMS OF USE OR ARISING OUT OF OR RELATED TO THE USE OR INABILITY TO USE THE SITE AND/OR SERVICE PROVIDED VIA THE SITE EXCEED $200 IN THE AGGREGATE. YOU AGREE THAT ANY CAUSE OF ACTION HEREUNDER MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES OR THE CAUSE OF ACTION SHALL BE PERMANENTLY BARRED. BECAUSE CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS IN CERTAIN CONTEXTS, ALL OR A PORTION OF THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

16. Indemnification & Release.

You agree to defend, indemnify and hold us (and our affiliates, subsidiaries and our and their respective officers, directors, employees and agents (collectively with Raise Marketplace, LLC the "Indemnified Parties")) harmless from any claim or demand made by any third party due to or arising out of or related to: (i) your breach of these Terms of Use, (ii) your improper use of the Site or GCX's services, (iii) your violation of any third parties' intellectual property rights, (iv) your intentional misconduct, fraudulent acts or gross negligence, (v) any content you provide on the Site or (vi) your violation of any applicable law, including any applicable tax laws. You agree to pay any and all losses, costs, damages and expenses (including reasonable legal fees and expenses) (collectively "Damages") for which any Indemnified Party is found liable in respect of any such claim or demand and to reimburse each Indemnified Party immediately for any Damages that the Indemnified Party has directly incurred, suffered or paid. You hereby recognize that GCX is not the issuer of any Retailer Gift Card sold on GCX and not the seller of any secondary Gift Cards sold on GCX. To the extent permitted under applicable law, you agree to release GCX from any claim or liability arising out of or related to (x) how and whether a Retailer honors its Retailer Gift Card(s) purchased on GCX and (z) any Retailer's failure to honor a particular Retailer Gift Card purchased by you on GCX.

17. Legal Disputes

a. Binding Arbitration. By using this Site and agreeing to these Terms of Use, you agree that any claim, dispute, or controversy you may have against GCX arising out of, relating to, or connected in any way with these Terms of Use, GCX Cash or the GCX Cash Terms, this Site, or the purchase or sale of any Gift Cards or any other services offered on GCX (a "Dispute" ), shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association ( "AAA" ) and conducted before a single arbitrator pursuant to the applicable Rules and Procedures established by AAA, including, without limitation, the AAA Supplementary Procedures for Consumer Related Disputes, available at http://www.adr.org. ( "Rules and Procedures" ); except that you may bring a qualifying claim over a Dispute in a small claims court. The provisions of this Section 14 shall constitute your and GCX's written agreement to arbitrate Disputes under the Federal Arbitration Act ("Dispute Agreement") and that you and GCX are each giving up the right to go to court and have a Dispute heard by a judge or jury (except for the limited exclusion above in a small claims court or in the context of injunctive relief permitted below).

You agree further that: (A) the arbitration shall be held at a location determined by AAA pursuant to the Rules and Procedures (provided that such location is reasonably convenient for you), or at such other location as may be mutually agreed upon by you and GCX; (B) the arbitrator shall apply Illinois law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized at law; (C) there shall be no authority for any claims to be arbitrated on a class or representative basis; arbitration can decide only your and/or GCX's individual claims; and the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; and (D) in the event that you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, GCX will pay as much of your filing, arbitration and hearing fees in connection with the arbitration as the arbitrator deems necessary (not to exceed $10,000) to prevent the arbitration from being cost-prohibitive. GCX agrees not to seek attorney's fees and costs in arbitration unless the arbitrator determines the Dispute was frivolous. The arbitration shall be conducted based on written submission unless you request and/or the arbitrator determines that a telephone or in-person hearing is necessary.

(b) No Class Action. We each agree that we shall bring any Dispute against the other in our respective individual capacities and not as a plaintiff or class member of a purported class, representative proceeding or as an association. We each agree that any Dispute will be arbitrated only on an individual basis and not in a class, consolidated or representative action. The arbitrator may not vary these terms.

(c) Choice of Law & Forum. Any and all Disputes shall be governed by the laws of the State of Illinois without regard to any conflicts of laws provisions. In the event any Dispute were to proceed in court, you agree that (i) the federal and state courts of the state of Illinois and Cook County shall have exclusive jurisdiction to adjudicate any such Dispute, (ii) you and GCX irrevocably consent and submit to the exclusive personal jurisdiction and venue of such courts for the resolution of such Disputes and (iii) you and GCX agree to irrevocably waive any right to a trial by jury.

(d) Injunctive Relief. Notwithstanding anything to the contrary in this Dispute Agreement, either party may bring suit in court seeking an injunction or other equitable relief arising out of or related to the infringement of a party's intellectual property or any conduct that violates Section 5 of these Terms of Use.

(e) Severability. If Section 16(b) above or Section 16(a),(c) above is ruled to be unenforceable, then Section 16(a) shall be deemed unenforceable, but the rest of this Section 16 shall remain in full effect.

18. Miscellaneous Provisions

(a) Force Majeure GCX shall be excused from performance under these Terms of Use, and the GCX Cash Terms, to the extent it is delayed or prevented from performing, as a result of any event or series of events caused by: (i) weather conditions or elements of nature or acts of god, (ii) acts of war, terrorism, insurrection, riot, political unrest, (iii) labor strikes, (iv) embargoes, (v) error or disruption to computer hardware, networks or software failures or of third party providers or (vi) other causes beyond the reasonable control of GCX.

(b) Entire Agreement These Terms of Use and The GCX Cash Terms, including the Privacy Policy and other terms incorporated by reference, constitute the entire agreement and understanding between you and GCX with respect to the subject matter covered and supersedes any prior agreements, whether in writing or oral, with respect to such subject matter.

(c) Assignment These Terms of Use and the GCX Cash Terms are not assignable, transferable or sublicensable by you except with GCX’s prior written consent. GCX may transfer, assign or delegate these Terms of Use or the GCX Cash Terms and its rights and obligations hereunder without consent.

(d) Severability & Subject Headings To the extent that any term is deemed invalid or unenforceable by a court of law with jurisdiction over the matter, that term shall be severable and not affect the validity of remaining terms. The section headings used herein are for convenience only and shall be of no legal force or effect.

(e) Notice Any notice to the Site that is required or permitted by these Terms of Use or the GCX Cash Terms shall be in writing and shall be deemed effective upon receipt, when sent by confirmed e-mail to Legal@raise.com, when delivered in person by nationally recognized overnight courier, or when mailed by first class, registered or certified mail, postage prepaid, to Raise Marketplace, LLC, 2045 West Grand Avenue, Suite B #61404, Chicago, IL 60612, Attn: Legal.

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