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End User Terms 

Effective February 12, 2026

These End User Terms (these “Terms”) are between Vouched Identity, Inc. DBA Vouched (“Vouched”) and you. These Terms set forth the conditions pursuant to which you may access and use Vouched’s platform (the “Service”) that Vouched makes available to the entity through which you receive access to the Service (the “Participating Entity”). You and Vouched are each individually a “Party” and, together, the “Parties.”

PLEASE READ THE FOLLOWING TERMS CAREFULLY.

BY ACCESSING OR USING THE SERVICE, YOU AGREE THAT YOU HAVE READ AND UNDERSTOOD, AND, AS A CONDITION OF YOUR ACCESS TO OR USE OF THE SERVICE, YOU AGREE TO BE BOUND BY, THE FOLLOWING TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THE TERMS, THEN YOU DO NOT HAVE VOUCHED’S PERMISSION TO USE THE SERVICE. YOUR USE OF THE SERVICE CONSTITUTES AN AGREEMENT BY YOU TO BE BOUND BY THESE TERMS.

* IF WE DETERMINE THAT YOU ARE ABUSING THE SYSTEM, WE RESERVE THE SOLE RIGHT TO BLOCK YOU FROM USING THE SERVICE. *

1. Access and Restrictions. Vouched permits you to access and use the Services solely as required by your relationship with the Participating Entity and subject to the Participating Entity’s access rights and restrictions. Without limiting the foregoing, you will not, and will not attempt to: (a) reproduce, copy, distribute, modify, or reverse engineer the Services or any part thereof, (b) sublicense, resell, or make the Services, or any part thereof, available to others, ( c) introduce into the Services any unauthorized data, or any malware, viruses, Trojan horses, spyware, worms, or other malicious or harmful code, or any data that infringes, misappropriates, or otherwise violates the intellectual property rights or other rights of any third party, (d) use the Services or any component thereof, in the operation of a service bureau to support or process any content, data, or information on behalf of any party, (e) sell, transfer, sublicense, assign, share, or otherwise permit or enable any party to access the Services or any output therefrom, (f) access or use the Services, or output therefrom, to create a competing product or service, (g) publish benchmarks or performance information about the Services; (h) interfere with the operation of the Services, circumvent any access restrictions, or conduct any security or vulnerability test of the Services, or (i) use the Services for any purpose that is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of privacy, vulgar, defamatory, false, intentionally misleading, trade libelous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind, or is otherwise objectionable.

2. Term and Termination. These Terms are in effect at all times that you access or use the Service. Vouched may immediately terminate these Terms, and terminate or suspend your access to the Service, at any time and for any reason, including if: (a) you violate any provision of these Terms; or (b) Vouched terminates its agreement with the Participating Entity. Sections 2 through 9 will survive termination.

3. Intellectual Property. As between you and Vouched, Vouched retains all right, title and interest (including all intellectual property rights), in and to the Service. You agree that Vouched may retain any personal information Vouched collects about you and use such personal information for identity verification and fraud detection purposes as set forth in the End User Privacy Statement. 

4. Feedback. If you choose to provide observations or suggestions regarding problems with or proposed modifications or improvements to the Service (“Feedback”), then you do so on a non-confidential basis and you hereby grant Vouched an unrestricted, perpetual, irrevocable, non-exclusive, fully-paid, royalty-free right and license to exploit the Feedback in any manner and for any purpose. Vouched will have no obligation to provide you with attribution for any Feedback you provide.

5. Warranties and Disclaimer. VOUCHED DOES NOT CONTROL, AND SHALL HAVE NO LIABILITY FOR ANY ACT OR OMISSION OF, ANY PARTICIPATING ENTITY, INCLUDING A PARTICIPATING ENTITY’S USE OF ANY OF YOUR DATA. WITHOUT LIMITING THE FOREGOING, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” AND VOUCHED HEREBY DISCLAIMS ALL WARRANTIES OR CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. VOUCHED DOES NOT GUARANTEE THAT YOUR ACCESS TO THE SERVICE WILL BE UNINTERRUPTED. VOUCHED IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE SERVICE) OR ANY LOSS OF DATA. THE DISCLAIMERS IN THIS SECTION APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. VOUCHED DOES NOT DISCLAIM ANY WARRANTY OR OTHER RIGHT THAT VOUCHED IS PROHIBITED FROM DISCLAIMING UNDER APPLICABLE LAW. YOU ACKNOWLEDGE THAT YOU ARE SOLELY RESPONSIBLE FOR THE CONSEQUENCES OF YOUR DECISION TO AUTHORIZE VOUCHED TO SHARE YOUR DATA WITH A PARTICIPATING ENTITY.


6. Limitation of Liability. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW: (A) VOUCHED WILL NOT BE LIABLE TO YOU UNDER OR IN CONNECTION WITH THE SUBJECT MATTER OF THESE TERMS FOR ANY CONSEQUENTIAL, INDIRECT, INCIDENTAL, EXEMPLARY, PUNITIVE, RELIANCE, OR SPECIAL DAMAGES, OR ANY DAMAGES RELATED TO LOSS OF DATA, AND (B) VOUCHED‘S TOTAL LIABILITY UNDER OR IN CONNECTION WITH THE SUBJECT MATTER OF THESE TERMS WILL NOT EXCEED $100 USD. THE FOREGOING LIMITATIONS APPLY WHETHER OR NOT A PARTY HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES, AND IRRESPECTIVE OF ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY HEREIN.


7. Dispute Resolution and Arbitration

7.1. Generally. Except as described in Section 7.2 (Exceptions) and 7.3 (Opt-Out), you and Vouched agree that every dispute arising out of or related to these Terms, the Service, or communications from Vouched will be resolved through binding, individual arbitration. Arbitration uses a neutral arbitrator instead of a judge or jury, is less formal than a court proceeding, may allow for more limited discovery than in court, and is subject to very limited review by courts. This agreement to arbitrate disputes includes all claims whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms. Any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement will be resolved by the arbitrator. For clarity, jurisdictional and arbitrability disputes, including disputes over the formation, existence, validity, interpretation or scope of this binding arbitration agreement, and who are proper parties to the arbitration, shall be submitted to and ruled on by the arbitrator. The arbitrator has the authority to determine jurisdiction and arbitrability issues as a preliminary matter.


YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND VOUCHED ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

7.2. Exceptions. Although we are agreeing to arbitrate most disputes between us, nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either Party to: (a) bring an individual action in small claims court; (b) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law in aid of arbitration; or (d) to file suit in a court of law to address an intellectual property infringement claim.


7.3. Opt-Out. If you do not wish to resolve disputes by binding arbitration, you may opt out of the provisions of this Section 7 (Dispute Resolution and Arbitration) within 30 days after the date that you agree to these Terms (unless a longer period is required by applicable law) by sending a letter by certified U.S. Mail or by Federal Express to Vouched, Attention: Legal Department – Arbitration Opt-Out, 506 2nd Avenue, Suite 1400, Seattle, Washington 98104 that specifies: your full legal name, the email address and/or phone number associated with your account on the Service, and a statement that you wish to opt out of arbitration (“Opt-Out Notice”). Once Vouched receives your Opt-Out Notice, this Section 7 (Dispute Resolution and Arbitration) will be void and any action arising out of these Terms will be resolved as set forth in Section 8 below. The remaining provisions of these Terms will not be affected by your Opt-Out Notice.


7.4. Arbitrator. This arbitration agreement, and any arbitration between us, is subject to the Federal Arbitration Act (“FAA”) and will be administered by the JAMS under its rules applicable to consumer disputes (collectively, “JAMS Rules”) as modified by these Terms. The FAA governs, among other things, the interpretation and enforcement of this Section 7 (Dispute Resolution and Arbitration) and all of its provisions, including, without limitation, the class action waiver. State arbitration laws do not govern in any respect. Further, you and Vouched each agree that these Terms evidence a transaction involving interstate commerce and will be governed by and construed in accordance with federal law to the fullest extent possible. The JAMS Rules and filing forms are available online at www.jamsadr.com, by calling the JAMS at +1-800-352-5267 or by contacting Vouched.


7.5. Commencing Arbitration. Before initiating arbitration, a Party must first send a written notice of the dispute to the other Party by certified U.S. Mail or by Federal Express (signature required) or, only if that other Party has not provided a current physical address, then by electronic mail (“Notice of Arbitration”). Vouched’s address for Notice of Arbitration is: Vouched Identity, Inc., 506 2nd Avenue, Suite 1400, Seattle, Washington 98104. The Notice of Arbitration must: (a) identify the full legal name and the email address and/or phone number or account number of the Party making the claim; (b) describe the nature and basis of the claim or dispute; and (c) set forth the specific relief sought (“Demand”). The Parties will make good faith efforts to resolve the claim directly, but if the Parties do not reach an agreement to do so within 30 days after the Notice of Arbitration is received, you or Vouched may commence an arbitration proceeding. The payment of any fees will be decided by the applicable JAMS Rules. If the arbitrator finds that either the substance of the claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the applicable JAMS Rules and the other Party may seek reimbursement for any fees paid to JAMS.


7.6. Arbitration Proceedings. Any arbitration hearing will take place in the county and state of your residence unless we agree otherwise or, if the claim is for $10,000 USD or less (and does not seek injunctive relief), you may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a telephonic or video hearing; or (c) by an in-person hearing as established by the JAMS Rules in the county (or parish) of your residence. During the arbitration, the amount of any settlement offer made by you or Vouched must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based.


7.7 Arbitration Relief. Except as provided in Section 7.8 (No Class Actions), the arbitrator can award any relief that would be available if the claims had been brought in a court of competent jurisdiction. If the arbitrator awards you an amount higher than the last written settlement amount offered by Vouched before an arbitrator was selected, Vouched will pay to you the higher of: (a) the amount awarded by the arbitrator and (b) $10,000 USD. The arbitrator’s award shall be final and binding on all Parties, except (i) for judicial review expressly permitted by law or (ii) if the arbitrator’s award includes an award of injunctive relief against a Party, in which case that Party shall have the right to seek judicial review of the injunctive relief in a court of competent jurisdiction that shall not be bound by the arbitrator’s application or conclusions of law. Judgment on the award may be entered in any court having jurisdiction.


7.8. No Class Actions. YOU AND VOUCHED AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Vouched agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.


7.9. Modifications to this Dispute Resolution and Arbitration Provision. If Vouched makes any material change to this Section 7 (Dispute Resolution and Arbitration), you may reject the change by sending Vouched written notice of the particular change you reject within 30 days after Vouched gives notice of the change (unless a longer period is required by applicable law) by sending notice of the rejection by certified U.S. Mail or by Federal Express to Vouched, Attention: Legal Department – Arbitration Modification Rejection, 506 2nd Avenue, Suite 1400, Seattle, Washington 98104 and specifying your full legal name, the email address and/or phone number associated with your account on the Service, and a statement that you wish to reject the particular change.


7.10. Enforceability. If Section 7.8 (No Class Actions) or the entirety of this Section 7 (Dispute Resolution and Arbitration) is found to be unenforceable, or if Vouched timely receives an Opt-Out Notice from you, then the entirety of this Section 7 (Dispute Resolution and Arbitration) will be null and void and, in that case, the exclusive jurisdiction and venue described in Section 8 will govern any action arising out of or related to these Terms.


8. End User Privacy Statement and Biometric Privacy Notice. Vouched respects your privacy. Please review our End User Privacy Statement and Biometric Privacy Notice for more information about how we process your personal information (including your biometric information) in connection with our provision of the Services.


9. Miscellaneous. These Terms, including Vouched’s End User Privacy Statement and Biometric Privacy Notice , constitute the entire agreement between you and Vouched with respect to your use of the Service. These Terms generally do not apply to your access to and use of the Vouched websites (www.vouched.id as well as the other websites that Vouched operates under the Vouched brand) or your access to and use of the Services as a Participating Entity, each of which are governed by a separate agreement. Without limiting Section 7.10, in the event that any portion of these Terms is held unenforceable, the unenforceable portion will be construed in accordance with applicable law as nearly as possible to reflect the original intentions of the Parties, and the rest of these Terms will remain in full force and effect. Waiver of any breach or provision of these Terms will not be construed as a waiver of any other breach or provision. You shall not assign these Terms or any of your rights or obligations under these Terms without Vouched’s prior written consent, and any such attempted assignment will be void and of no effect. Vouched may assign these Terms and all of its rights and obligations hereunder without limitation. These Terms will bind the Parties’ respective heirs, successors, and permitted assigns. These Terms, except to the extent otherwise indicated in Section 7 (Dispute Resolution and Arbitration), are governed by Washington law. In the event a dispute arising out of or related to these Terms, the Service, or communications from Vouched is not resolved pursuant to Section 7 (Dispute Resolution and Arbitration) above, the federal and state courts having jurisdiction over King County, Washington, have exclusive jurisdiction over all actions arising hereunder.