Terms of Service - Playbooki - Win as a Community

Playbooki Terms of Service

Effective: October 10, 2026

Welcome to Playbooki ("we," "us," "our," "Playbooki Inc," or "Playbooki"), a service provided by Playbooki Inc ("Playbooki"). By accessing or using our website or any related services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service. These Terms govern your use of the Service, including any subscription plans, content, tools, or community features we provide.

Playbooki is a platform on which independent creators ("Bookis") offer their own content to their subscribers. That content, whatever its subject, including sports picks, market and crypto commentary, courses and other material, is created, published and priced by the Booki, not by Playbooki. Bookis are not employees, agents or representatives of Playbooki. Playbooki does not write, verify, endorse or guarantee any Booki's content, qualifications, record or results.

1. Acceptance of Terms

By creating an account, subscribing to a plan, or otherwise using the Service, you confirm that you are at least 18 years of age (or the age of majority in your jurisdiction) and have the legal capacity to enter into this agreement. These Terms constitute a legally binding agreement between you and Playbooki Inc. We may update these Terms. When we make a material change we will notify you by email to the address on your account, by a notice in the Service, or both, before the change takes effect. We may ask you to confirm your acceptance the next time you sign in. If you do not agree to the updated Terms, you must cancel any subscriptions and stop using the Service before the change takes effect. Using the Service after the effective date means you accept the updated Terms. We keep a record of the version you accepted and when.

2. Description of Service

Playbooki provides a subscription-based platform offering premium content, community forums, and other features from independent creators on subjects such as sports, markets and investing, education and entertainment. The Service may include:

Access to exclusive written, audio, or video content.
Tools for data analysis or insights.
Community features such as discovery page, direct messaging, or user-generated content.
Optional add-ons or upgrades are available for additional fees.

The Service is provided "as is" and may evolve over time. We reserve the right to modify, suspend, or discontinue any aspect of the Service at our discretion, with or without notice.

2A. Information Only; No Betting, Investment or Professional Services

2A.1 Content is opinion. Everything a Booki publishes on the Service is that Booki's own opinion, offered for general information, education or entertainment. It is not advice prepared for your personal situation, and it is not legal, tax, financial, medical or other professional advice. No result is guaranteed, whatever words are used to describe it, and past results do not predict future results. You alone decide what to do with what you read, watch or hear, and you alone bear the outcome.

2A.2 Sports and betting. Playbooki is not a sportsbook, bookmaker or gambling operator. We do not accept, place or settle bets, and we do not hold money for betting. If you choose to bet, you do so at your own risk and with your own money. You are responsible for making sure that betting is legal where you are and that you are old enough to bet there. If you or someone you know has a gambling problem, help is available in the United States at 1-800-GAMBLER.

2A.3 Markets, investing and crypto. Playbooki is not a broker-dealer, investment adviser, commodity trading adviser, exchange or money transmitter. We do not execute trades, manage money, or hold funds or assets for anyone. Content about stocks, options, futures, currencies, crypto-assets or any other investment is not a recommendation or an offer to buy or sell anything. Unless a Booki states otherwise, and you have checked it yourself, you should assume that the Booki is not a licensed or registered adviser, and that the Booki may hold, buy or sell what they discuss. Trading and investing can lose money, including all of the money you put in; options, leverage and crypto-assets carry particular risk. Consider speaking to a licensed professional before you act.

2A.4 Courses and education. Courses, lessons, templates and similar content are offered as general education. They are not accredited and carry no academic credit unless clearly stated. No income, earnings, job or other result is promised. Examples and testimonials show individual experiences and are not typical.

2A.5 No liability for your decisions. Playbooki is not liable for any loss you suffer from betting, trading, investing, or otherwise acting on content published by a Booki.

3. Account Registration and Security

To access certain features of the Service, you must create an account. You agree to:

Provide accurate, current, and complete information during registration.
Maintain the confidentiality of your account credentials (username, password, etc.).
Notify us immediately of any unauthorized use of your account.
Be solely responsible for all activities conducted through your account.

We reserve the right to suspend or terminate your account if we suspect fraudulent activity, misuse, or violation of these Terms.

4. Subscription Plans and Payments

4.1 Subscription Tiers: Playbooki offers various subscription plans (e.g., monthly, annual), each with specific features and pricing as detailed on our website. Subscriptions are subject to change, and we will notify you of material changes in advance.

4.2 Payment: You agree to pay all fees associated with your chosen subscription plan. Payments are processed through third-party payment processor Stripe, and you authorize us to charge your provided payment method on a recurring basis as applicable. When you subscribe to a package, you agree to recurring billing of applicable Fees, starting on the date you sign up, and repeating thereafter based on the subscription period for that package. You agree to pay for subscriptions only through the payment channels authorized by Playbooki. Free trials. Where a Booki offers a free trial, we may place a temporary authorization on your card for the price of the first paid period to confirm the card can pay. This authorization is released and is not a charge. Unless you cancel before the trial ends, the trial becomes a paid subscription and your card is charged the price shown at sign-up. A trial is offered once per person for each Booki; we may refuse a trial where the same card, device, email or network has already had one.

4.3 Auto-Renewal: Subscriptions automatically renew at the end of each billing cycle unless canceled by you prior to the renewal date. You may cancel your subscription via your account settings. Cancelling stops future charges. It does not refund the current period, and you keep access until that period ends. If a renewal payment fails, your access to that Booki's content may end.

4.4 All sales are final. Every payment on the Service is non-refundable. This includes subscriptions and their renewals, tips, pay-per-view purchases and paid live streams. It applies whether or not you used the content, whether or not you meant to cancel earlier, and whatever the outcome of any pick, trade, course or other content. No refund or credit is given for a partly used period. The only exceptions are where the law requires a refund, or where Playbooki decides in its sole discretion to give one; a refund given once creates no right to another.

4.4.1 Immediate access. Content is digital and is made available to you as soon as your payment is accepted. You ask for that immediate access when you pay, and you acknowledge that, where the law gives consumers a period to withdraw from a purchase, you lose that right once access begins.

4.4.2 Billing errors. If you believe you were charged by mistake, for example twice for the same purchase or without your authorization, write to support@playbooki.com within 30 days of the charge so that we can look into it.

4.5 Chargebacks and payment disputes.

4.5.1 Before you dispute a charge with your bank or card issuer, you agree to contact support@playbooki.com and give us a reasonable chance to resolve it.

4.5.2 If you dispute a charge, we may suspend your account and your access to paid content while the dispute is open. We will respond to the bank with the records of your account, including your acceptance of these Terms, your purchases, and your use of the content.

4.5.3 A dispute filed for a charge you authorized, for content you were given access to, is a breach of these Terms. We may close your account, refuse future purchases, and recover from you the amount of the charge and the fees the dispute cost us, to the extent the law allows.

4.6 Referral program.

4.6.1 How it works. If you have an account, you can share your personal link to a creator's page. When a person who followed your link within the previous 30 days, and who has never paid that creator before, buys a membership from that creator, you earn a share of that person's first membership payments to that creator. The percentage and the number of payments are those the creator offers you when that person first subscribes, as shown to you on that creator's page: the creator's general ones, or ones the creator has given you personally. Creators set them, and may change them or switch referrals off for people who subscribe later. Tips, pay-per-view and other purchases earn nothing. Playbooki decides in good faith whether a subscriber was referred and by whom.

4.6.2 When you can be paid. Each amount you earn is pending for 30 days after the payment it comes from, and is then available. Available earnings can be paid out once per calendar month when they total at least $25, through our payment provider, to an account that you connect and that passes the provider's identity checks. Payouts are available only in the countries where our payment provider supports them for Playbooki. A payment processing fee, shown before you confirm, is deducted from each payout. We may ask for tax information before paying you, may hold a payout until we have it, and may withhold tax from a payout where the law requires it. Earnings are not a deposit or a stored balance: they earn no interest, cannot be transferred or spent, and can only be paid out as described here.

4.6.3 Refunds and disputes. If a payment is refunded, disputed or reversed, what you earned from it is cancelled. If it was already available or paid out, we may deduct it from your other earnings, now or later, and you will repay it on our request.

4.6.4 What is not allowed. You earn nothing on your own purchases, on a creator page that is yours, or on payments by a person who shares your payment method, device, household or network. You must not: send unsolicited messages or use automated means to spread your link; make false or misleading statements about a creator, about Playbooki or about what a subscriber can expect, including any claim of guaranteed results, winnings or income; suggest that Playbooki or a creator is a betting operator, or is endorsed by one; put your link together with an offer, bonus or sign-up link from a betting operator; impersonate anyone; use Playbooki's name in paid advertising without our written permission; or offer people money or rewards to subscribe. You must follow the laws that apply to you and to your audience, including advertising rules for gambling-related and investment-related content.

4.6.5 Say that you earn. Every time you share your link, you must say clearly, in the same post or message and next to the link, that you earn money when people subscribe through it (for example: "I earn a commission if you subscribe through this link"). Saying it only in your profile, in a hashtag that does not explain it, or somewhere a person has to click to find, is not enough.

4.6.6 Your status and taxes. You take part for yourself, not as an employee, agent or partner of Playbooki or of any creator. What you earn is not wages. You are responsible for your own taxes, and we report payments to tax authorities where the law requires.

4.6.7 Changes, suspension and ending. We may change or end the referral program, its fee or its minimum, for future payments. If we end it, or you close your account in good standing, we pay you your available earnings, less the fee, even if they are below the minimum. If we reasonably believe earnings were obtained in breach of these Terms, we may withhold them while we look into it, cancel them, and suspend or close your account. We may review how referral links are shared and may ask you to change or remove a post. The limits on Playbooki's liability in section 9 apply to the referral program.

5. User Conduct

You agree not to:

Use the Service for any illegal or unauthorized purpose.
Share, distribute, or reproduce premium content without our express written consent.
Engage in harassment, abuse, or disruptive behavior in community features.
Attempt to reverse engineer, hack, or interfere with the Service’s functionality.
Impersonate another person or entity or misrepresent your affiliation with any party.
Share your account, or resell or republish a Booki's paid content.
Copy content from the Service by automated means.
Dispute with your bank a charge that you authorized.

Violation of these rules may result in immediate termination of your account and access to the Service, without refund.

6. Intellectual Property

6.1 Ownership: All content, tools, designs, and software provided through the Service (excluding User Content, defined below) are owned by Playbooki Inc or our licensors and are protected by copyright, trademark, and other intellectual property laws.

6.2 License: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes, subject to these Terms.

6.3.1 User Content: Definition: "User Content" refers to any material you upload, post, submit, or otherwise share through the Service, including but not limited to:

Text (e.g., comments, forum posts, messages, or profile information).
Media (e.g., images, videos, audio recordings).
Documents (e.g., PDFs, spreadsheets, or other files).
Data or inputs provided to analytical tools or features of the Service.

6.3.2 Ownership: You retain ownership of your User Content, subject to the licenses and rights granted to Playbooki Inc under these Terms. We do not claim ownership of your User Content unless explicitly agreed otherwise in writing.

6.3.3 License Grant: By submitting User Content to the Service, you grant Playbooki Inc and its affiliates a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, transferable, and sublicensable license to:

Use, reproduce, modify, adapt, publish, translate, distribute, perform, and display your User Content in connection with operating, providing, and promoting the Service.
Create derivative works from your User Content (e.g., reformatting, summarizing, or incorporating it into other materials).
Share your User Content with other users, partners, or third parties as necessary to fulfill the purposes of the Service (e.g., displaying forum posts to community members or featuring content in marketing materials).

This license continues even if you stop using the Service or delete your account, to the extent that your User Content has been incorporated into the Service or shared with others.

6.3.4 Public vs. Private Content: You acknowledge that User Content you submit to public or community areas of the Service (e.g., forums, chat rooms, or public profiles) will be visible to other users and potentially the broader public. Content submitted to private areas (e.g., direct messages or restricted groups) may still be accessed by Playbooki for administrative, moderation, or legal purposes. We are not responsible for how other users or third parties use or share your publicly posted User Content.

6.3.5 Responsibility for User Content: You are solely responsible for the User Content you submit, including its legality, accuracy, appropriateness, and compliance with these Terms. You represent and warrant that:

You own or have the necessary rights, permissions, and consents to submit your User Content and grant the licenses described herein.
Your User Content does not infringe the intellectual property rights, privacy rights, or other rights of any third party.
Your User Content complies with all applicable laws, regulations, and industry standards.

6.3.6 Prohibited Content: You agree not to submit User Content that:

Is unlawful, defamatory, obscene, pornographic, harassing, threatening, or otherwise offensive.
Contains viruses, malware, or other harmful code.
Promotes illegal activities, violence, or discrimination based on race, gender, religion, or other protected characteristics.
Misrepresents your identity, affiliation, or expertise.
Includes unsolicited advertising, spam, or pyramid schemes.

We reserve the right, but not the obligation, to review, monitor, or remove any User Content at our sole discretion, without notice, if we believe it violates these Terms or is otherwise objectionable.

6.3.7 Moderation and Removal: While we may moderate User Content to ensure compliance with these Terms, we do not guarantee that all User Content will be reviewed or that objectionable content will be removed promptly. If you encounter User Content that you believe violates these Terms, you may report it to us at support@playbooki.com (mailto:support@playbooki.com). We will investigate reports but are not obligated to take action.

6.3.8 Backup and Loss: You are responsible for maintaining backups of your User Content. We do not guarantee that User Content will be preserved or recoverable in the event of technical failures, account termination, or other disruptions. We disclaim liability for any loss, deletion, or corruption of your User Content.

6.3.9 Feedback: If you provide suggestions, ideas, or feedback about the Service (distinct from User Content shared in community features), you grant us a worldwide, royalty-free, perpetual, and irrevocable right to use, implement, and incorporate such feedback into the Service without compensation or attribution to you.

6.3.10 Attribution: We may, but are not required to, attribute your User Content to you (e.g., by displaying your username or profile information). You waive any right to inspect or approve how your User Content is used and any claim to additional compensation or recognition beyond what is provided by the Service.

6.3.11 Third-Party Claims: If your User Content results in a claim or dispute from a third party (e.g., for copyright infringement or defamation), you agree to indemnify and hold harmless Playbooki Inc and its affiliates from any resulting damages, costs, or liabilities, as further detailed in Section 9.7 (Indemnification).

6.3.12 Storage and Retention: We may impose limits on the amount or type of User Content you can store or share through the Service (e.g., file size caps or quotas). We may also delete User Content after a period of inactivity or upon account termination, at our discretion, with or without notice.

6.3.13 Acknowledgment: You understand that by submitting User Content, you contribute to the community and functionality of the Service. The rights and responsibilities outlined in this section are necessary to enable us to operate and enhance the Service for all users.

6A. Bookis

If you publish or sell content on the Service as a Booki, the Booki Agreement also applies to you and forms part of these Terms. Each Booki is solely responsible for their own content, statements and records.

6B. Copyright Complaints

If you believe content on the Service infringes your copyright, send a notice to support@playbooki.com with: your contact details; the work you say is infringed; the exact location of the material on the Service; a statement that you believe in good faith the use is not authorized; a statement, under penalty of perjury, that your notice is accurate and that you are the owner or authorized to act for the owner; and your signature. We may remove the material and may close the accounts of people who infringe repeatedly.

7. Third-Party Links and Services

The Service may contain links to third-party websites, services, or advertisements. We are not responsible for the content, accuracy, or practices of these third parties. Your interactions with them are at your own risk and subject to their terms and policies.

8. Disclaimers

8.1 No Warranties: The Service, including all content, tools, features, and community functionalities, is provided on an "as is" and "as available" basis without any warranties of any kind, whether express, implied, statutory, or otherwise. To the fullest extent permitted by law, Playbooki Inc expressly disclaims all warranties, including but not limited to:

Warranties of merchantability, fitness for a particular purpose, or non-infringement.
Warranties that the Service will meet your expectations, requirements, or preferences.
Warranties of uninterrupted, timely, secure, or error-free operation.
Warranties that any defects or errors in the Service will be corrected.

8.2 Accuracy and Completeness: While we strive to provide high-quality, reliable, and up-to-date information through the Service, we do not guarantee the accuracy, completeness, reliability, or timeliness of any content, data, or tools provided. This includes, but is not limited to:

Analytical tools or insights generated by the Service, which may rely on incomplete, outdated, or third-party data.
User-generated content shared in community features, which reflects the opinions or experiences of individual users and not Playbooki.
Any predictions, recommendations, or opinions expressed in premium content which are for informational or entertainment purposes only and not professional advice.

8.3 No Professional Advice: The Service is not intended to provide legal, financial, medical, or other professional advice. Any content or tools offered through the Service should not be relied upon as a substitute for consultation with qualified professionals. You are solely responsible for evaluating the suitability of any information or features for your specific needs and for any actions you take based on them.

8.4 Performance and Availability: We do not warrant that the Service will be available at all times or operate without interruptions, delays, or errors. Factors such as scheduled maintenance, technical issues, internet connectivity, or third-party service disruptions may affect access to the Service. We disclaim any liability for downtime or unavailability, whether planned or unplanned.

8.5 Third-Party Content and Services: The Service may include links to, integrations with, or content from third-party websites, applications, or services. We do not endorse, control, or assume responsibility for the accuracy, legality, or quality of such third-party content or services. Your use of third-party offerings is at your own risk and subject to the terms and policies of those third parties.

8.6 User Interactions: The Service may enable interactions with other users through community features such as forums, chats, or direct messaging. We do not monitor, verify, or endorse the statements, actions, or conduct of other users. We disclaim any responsibility for disputes, misinformation, or harm arising from your interactions with other users.

8.7 No Guarantee of Results: Subscription to or use of the Service does not guarantee any specific outcomes, benefits, or results. For example:

If the Service provides analytical tools, we do not guarantee their predictive accuracy or your success in applying them.
If the Service includes premium content, we do not guarantee that it will improve your skills, knowledge, or performance in any measurable way. Your experience with the Service depends on various factors outside our control, including your own efforts, external circumstances, and subjective preferences.

8.8 Beta Features: From time to time, we may offer access to experimental or "beta" features as part of the Service. These features are provided for testing purposes only and may be incomplete, unstable, or discontinued at our discretion. We disclaim any warranties or liability related to the performance or reliability of beta features.

8.9 External Factors: We are not responsible for any issues arising from factors beyond our reasonable control, including but not limited to:

Your hardware, software, or internet connection.
Changes in laws, regulations, or industry standards that affect the Service.
Actions of third parties, such as payment processors, hosting providers, or data sources.

8.10 Entertainment Purposes: Certain aspects of the Service may be intended for entertainment purposes only. We disclaim any implication that such content is factual, actionable, or suitable for serious decision-making unless explicitly stated otherwise.

8.11 No Endorsement: References to specific products, services, individuals, or entities within the Service do not constitute an endorsement or recommendation by Playbooki unless expressly stated. Any such references are for illustrative or informational purposes only.

8.12 Legal Compliance: We make no representation that the Service complies with the laws of every jurisdiction. You are responsible for ensuring that your use of the Service complies with all applicable local, state, national, or international laws and regulations.

8.13 Acknowledgment: You acknowledge that these disclaimers are an essential part of your agreement with Playbooki Inc. The absence of warranties and the allocation of risk outlined herein allow us to provide the Service at its current pricing and availability. If you are dissatisfied with these terms, your sole remedy is to discontinue use of the Service.

9. Limitation of Liability

9.1 General Disclaimer of Liability: To the maximum extent permitted by applicable law, Playbooki Inc, its affiliates, subsidiaries, officers, directors, employees, agents, licensors, and partners (collectively, the "Playbooki Parties") shall not be liable for any damages, losses, or injuries arising out of or related to your use of, or inability to use, the Service, including but not limited to:

Any errors, omissions, or inaccuracies in the content, tools, or features provided through the Service.
Any interruptions, delays, or failures in the availability or performance of the Service.
Any unauthorized access to or loss of your account, data, or User Content.
Any actions or decisions you make based on information or tools provided by the Service.

9.2 Types of Damages Excluded: Under no circumstances will the Playbooki Parties be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to:

Loss of profits, revenue, goodwill, or business opportunities.
Loss of data, whether temporary or permanent.
Emotional distress, physical injury, or property damage.
Costs of procuring substitute services or products.

This exclusion applies regardless of whether such damages arise under contract, tort (including negligence), strict liability, or any other legal theory, and even if the Playbooki Parties have been advised of the possibility of such damages.

9.3 Cap on Liability: In the event that the Playbooki Parties are found liable for any claim, our aggregate liability to you or any third party shall not exceed the total amount you paid to us for the Service in the twelve (12) months immediately preceding the event giving rise to the claim. This cap applies to all claims, whether arising individually or in the aggregate, and is your sole and exclusive remedy.

9.4 Assumption of Risk: You acknowledge that your use of the Service is at your own risk. The Service may include content, tools, or features intended for informational or entertainment purposes only, and we do not guarantee their suitability for any specific purpose. You assume full responsibility for any outcomes resulting from your reliance on the Service, including financial losses, personal decisions, or interactions with other users or third parties.

9.5 Third-Party Interactions: The Service may facilitate interactions with third parties (e.g., other users, advertisers, or linked websites). The Playbooki Parties are not responsible for any disputes, losses, or damages arising from such interactions, including but not limited to financial transactions, misrepresentations, or breaches of trust. Any recourse you seek must be directed to the third party involved, not Playbooki.

9.6 Force Majeure: The Playbooki Parties shall not be liable for any failure or delay in performing our obligations under these Terms due to events beyond our reasonable control, including but not limited to natural disasters, pandemics, war, terrorism, labor disputes, government actions, power outages, or internet failures.

9.7 Indemnification: You agree to indemnify, defend, and hold harmless the Playbooki Parties from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of:

Your use or misuse of the Service.
Your violation of these Terms or any applicable law.
Your User Content, including any claim that it infringes the rights of a third party.
Your interactions with other users or third parties through the Service.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate fully with us in such defense.

9.8 Exceptions: Nothing in this section shall limit or exclude liability for: (i) death or personal injury caused by our gross negligence or willful misconduct, where such limitation is prohibited by law, or (ii) any other liability that cannot be excluded or limited under applicable law. In such cases, our liability will be limited to the minimum extent required by law.

9.9 Acknowledgment: You acknowledge that the limitations and exclusions of liability set forth in this section are a fundamental part of the bargain between you and Playbooki Inc and that the Service would not be provided without such limitations.

10. Termination

10.1 By You: You may terminate your account at any time by canceling your subscription and discontinuing use of the Service.

10.2 By Us: We may suspend or terminate your access to the Service at our sole discretion, with or without cause, and with or without notice, including for violations of these Terms.

10.3 Effect of Termination: Upon termination, your license to use the Service ends, and you must cease all use. Provisions of these Terms that by their nature should survive termination (e.g., intellectual property, limitation of liability) will remain in effect.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Service will be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, conducted in English. You waive any right to participate in a class action lawsuit or class-wide arbitration. Before starting arbitration, you agree to send a written description of your claim to support@playbooki.com and to allow 30 days for us to resolve it. YOU AND PLAYBOOKI EACH WAIVE THE RIGHT TO A TRIAL BY JURY. Claims may be brought only on an individual basis. Either of us may instead bring an individual claim in small-claims court. Any claim must be brought within one year of the event it is based on, to the extent the law allows. Matters that cannot be arbitrated will be decided only by the state or federal courts located in Delaware. You may opt out of arbitration by emailing support@playbooki.com within 30 days of first accepting these Terms.

12. Privacy

Your use of the Service is also governed by our Privacy Policy, available at playbooki.com/p/privacy-policy, which explains how we collect, use, and protect your personal information.

13. Miscellaneous

13.1 Entire Agreement: These Terms, together with the Privacy Policy and any additional terms referenced herein, constitute the entire agreement between you and Playbooki Inc regarding the Service.

13.2 Severability: If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect.

13.3 No Waiver: Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

13.4 Contact: For questions or support, contact us at support@Playbooki.com

13.5 Electronic communications. You agree that we may send you notices, agreements and records by email or within the Service, and that these satisfy any requirement that they be in writing.

13.6 Assignment. You may not transfer your rights under these Terms. We may transfer ours in connection with a merger, sale or reorganization.