Terms of Service

Blue Guruz Inc., is a U.S. registered company based in Newark, Delaware operating as BGI Service Inc. ( collectively, "BGI" , "we" or "us" ) and our service website at www.bgzservices.com, along with our related websites, networks, applications, and other services provided by us (collectively, our "Service" ). These Terms of Service constitute a legally binding contract between you and Blue Guruz Inc. regarding your use of Blue Guruz Inc. Payment Solutions.

These terms provide that all disputes between you and BGI will be resolved by BINDING ARBITRATION. YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under this contract, except for matters that may be taken to small claims court. Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury, and your claims cannot be brought as a class action. Please review Section 18 ("Dispute Resolution and Arbitration") for the details regarding your agreement to arbitrate any disputes with BGI.

1. Blue Guruz Inc. Overview.

BGI enables businesses to collect payments towards invoices from individuals and companies located in the Caribbean region in their local currency (TTD / BBD / XCD).

2. Use of the Service.

The Service allows customers to pay invoices they receive from businesses outside their home country for which Blue Guruz Inc. and affiliates serve as payment agents (each payment recipient, a "Designated Entity" ). We may work with local banks, foreign exchange providers, and other third-party service providers (each, a "Service Provider" ) to receive and/or settle payments to a Designated Entity’s bank account.

3. Eligibility.

You must be at least 18 years of age to use the Service. By agreeing to these Terms, or by providing a notification to a Designated Entity that payment will be directed to the Designated Entity by BGI on the Designated Entity’s behalf through the Service (each, a "Transaction" ), you represent and warrant to us that: (a) you are at least 18 years of age; (b) you have not previously been suspended or removed from the Service; and (c) your use of the Service is in compliance with all applicable laws and regulations. If you are using the Service on behalf of an entity, organization, company, or other payors, you represent and warrant that you have the authority to bind that organization to these Terms and you agree to be bound by these Terms on behalf of that organization, or other payors. The Service may not be available in whole or in part in different locations, countries, and jurisdictions.

4. Accounts and Registration.

To access features of the Service, you may be required to register for an account. When you register for an account, you may be required to provide us with some information about your company, such as your tax id, company documents email address or other contact information. You agree that the information you provide to us is accurate and that you will keep it accurate and up-to-date at all times. When you are registered, we will provide you with login information.

You are solely responsible for maintaining the confidentiality of your account and password, and you accept responsibility for all activities that occur under your account. You agree to keep your access credentials confidential and secure. If you have reason to believe that your account has been compromised, then you must immediately notify us at [email protected]

5. Payment.

5.1. Payments Generally.

Entering into a Transaction, or using other features of the Service, may require you to pay fees and/or may result in compensation for BGI for currency conversion or services provided by BGI as agent of the Designated Entity. The total Transaction amount displayed will be inclusive of any fees including foreign exchange fees applicable to the Transaction. By continuing with the Transaction, you agree to pay the total Transaction amount requested by BGI. We are not responsible for any fees or charges for the Transaction that may be imposed by a financial institution or other payment provider, including Service Providers, associated with your Transaction. We are not responsible for any insufficient funds charges, chargeback fees, or other, similar charges that might be imposed on you by your bank or other provider or a Service Provider. We are not responsible for any taxes, duties, levies, withholdings or other liabilities that may be imposed on your Transaction (collectively, "Taxes"), and we are not responsible for any penalty, fine, surcharge, interest, charges or costs relating to such Taxes.

5.2. BGI’s Role.

You acknowledge that the payments made by you to the Designated Entity are transactions between you and the Designated Entity and not BGI. BGI is a third-party service provider facilitating payment processing as agent and on behalf of the Designated Entity and is not a party to any payment processed through the Service. Further, BGI is not your financial institution or a money transmitter, and does not receive, hold, process or transfer any funds on your behalf. BGI is not responsible if you do not complete a payment to a Designated Entity.

5.3. Payments Accepted on Behalf of Designated Entities.

You agree to pay to us, on behalf of the Designated Entity, the amount you indicated when you submitted notice of the Transaction through the Service. If additional charges apply to the processing of this Transaction for the Designated Entity, we will notify you. Payment is due to the Designated Entity through the Service at the time you submit your Transaction through the Service. If as a result of your Transaction we are charged with non-sufficient funds fees, chargeback or reversal fees, or other similar fees, you agree to reimburse us for all such fees. In some instances, for Transactions funded from the sender’s bank account, you agree that we or our Service Provider may charge your bank account for less than the amount of the transfer as part of our effort to confirm ownership of the account.

5.4. Payment Instructions.

5.4.1. Credit/Debit Card Payments.

BGI makes available to you the option to pay the Designated Entity by credit or debit card. If this option is available, your card will be charged in your local currency by BGI on behalf of your Designated Entity for the amount of the payment and any applicable fees or charges. Such fees or charges will be disclosed to you prior to your initiating the Transaction. The merchant of record for such transactions will be Blue Guruz Inc.

5.4.2. YOU REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL RIGHT TO USE OR ARE OWNER OF, AS APPLICABLE, THE CREDIT OR DEBIT CARD TO INITIATE A PAYMENT THROUGH THE SERVICE.

5.5 Effective Date of Payment to Designated Entity.

Once BGI receives your funds on behalf of the Designated Entity, your payment to the Designated Entity will be considered paid and your obligation to the Supplier, discharged. You will receive a payment confirmation email alerting you to BGI’s receipt of your funds. This will constitute proof of payment for your Transaction to the Designated Entity. Please note that the Designated Entity may take three or more business days to reflect payment in its customer account system.

5.6 Foreign Exchange Fees.

The exchange rate applied to a particular Transaction is effective only for that Transaction, for the Designated Entity that you indicated you will pay , and not for any other Transaction. The payment amount received from the payor, including applicable processing, currency conversion and brokerage fees (the "Amount Received" ) will be the only amount processed by BGI on the Designated Entity’s behalf. If there are Transactions with missing amounts, the additional amounts might not be considered for the original exchange rate provided.

5.7. Material Currency Fluctuations and Other Extraordinary Events.

BGI may, in its sole discretion and at any time, cancel a Transaction due to material changes in exchange rate fluctuations or due to other circumstances beyond our control. In such instances, you will be notified of the cancellation and have the option to redo a Transaction with us at a newly quoted exchange rate. If delivery of the funds you have paid have been initiated, you will receive a refund of the amount remitted in the Transaction to your originating payment account as soon as is practicable.

5.8. Delays; Availability.

Your payment may be delayed or cancelled in the course of our efforts to verify your identity, validate your Transaction instructions, contact and locate you, and otherwise comply with internal protocols of verification of identity against government-issued sanctions or watch lists, or any other applicable national, federal, state, or local law. Your payment may be delayed or cancelled if you engage any third party service provider that BGI has not designated or approved to process, transfer, and/or settle funds on your behalf. In such situations, BGI needs to exert additional efforts to verify your service provider’s identity, validate Transaction instructions conducted through such service provider and contact and locate such service provider to ensure that Transactions comply with applicable national, federal, state, or local law. Business hours and currency availability may also cause a delay. While we make reasonable efforts to ensure that Transactions are processed in a timely manner, we make no representations or warranties that we will complete processing of a Transaction or regarding the time needed to complete processing. The Service is largely dependent on many factors outside our control. Nevertheless, you may be entitled to a refund in certain circumstances, at our discretion, as described in these Terms. The Service may not be available to all users at all times. We may, at our sole discretion, refuse Transactions from certain payors to certain Designated Entities, including payors and Designated Entities located in countries or territories subject to applicable economic or trade sanctions and entities and individuals that are included on the U.S. Department of the Treasury’s Office of Foreign Assets Control’s list of Specially Designated Nationals and Blocked Persons, HM Treasury’s Office of Financial Sanctions Implementation’s Consolidated List of Financial Sanctions Targets, the Financial Action Task Force’s list of Non-Cooperative Countries or Territories, and such other sanctions or watch lists as may be issued from time to time by the United Nations or governmental and regulatory authorities anywhere in the world.

5.9. Refunds.

The Service is provided by BGI, as agent of a Designated Entity to make payments to a Designated Entity. BGI, and its affiliates, are not responsible for providing refunds of any payment Transaction made through the Service to a Designated Entity. You should contact the Designated Entity directly for further details on obtaining a refund. Subject to limited exceptions, all refunds will be returned to the originating account in the originating currency. Refund amounts will be adjusted to account for changes in the value of the U.S. dollar or foreign currency from the time your Transaction was submitted. Additional fees, including, but not limited to, debit or credit card processing fees may also occur which we may, or may not, charge.

5.10. Verifying Information; No Changes.

You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information you have provided to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources. We do not let you change the details of your payment once you have submitted it on the Service. It is your responsibility to make sure your payment details are accurate before they are submitted.

6. Prohibited Conduct.

BY USING THE SERVICE YOU AGREE NOT TO:

6.1. use the Service for any illegal purpose or in violation of any local, state, national, or international law;

6.2. violate, or encourage others to violate, any right of a third party, including by infringing or misappropriating any third party intellectual property right;

6.3. distribute any User Content or other content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, harassing, threatening, embarrassing, hateful, or otherwise inappropriate;

6.4. interfere with security-related features of the Service, including by: (a) disabling or circumventing features that prevent or limit use or copying of any content; or (b) reverse engineering or otherwise attempting to discover the source code of any portion of the Service except to the extent that the activity is expressly permitted by applicable law;

6.5. interfere with the operation of the Service or any user’s enjoyment of the Service, including by: (a) uploading or otherwise disseminating any virus, adware, spyware, worm, or other malicious code; (b) making any unsolicited offer or advertisement to another user of the Service; (c) attempting to collect personal information about another user or third party without consent; or (d) interfering with or disrupting any network, equipment, or server connected to or used to provide the Service, or violating any regulation, policy, or procedure of any such network, equipment, or server;

6.6. use the Service for any of the following activities: sexually-oriented materials or services, gambling activities, fraud, money-laundering, the funding of terrorist organizations;

6.9. register for more than one dashboard account on the Service, without our prior written permission;

6.10. provide false, inaccurate, or misleading information;

6.11. refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;

6.12. use an anonymous proxy;

6.13. use any robot, spider, other automatic device, or manual process to monitor or copy our Site without our prior written permission;

6.14. frame any elements of the Service with any other website without our prior written permission;

6.15. perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation, accessing any other Service account without permission, or falsifying your age or date of birth;

6.15. perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation, accessing any other Service account without permission, or falsifying your age or date of birth;

6.17. refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;

6.18. use the Services in any manner not expressly authorized by BGI, including, without limitation, aggregation of payments without the payor and payment details that BGI, its Service Providers, and/or other financial institutions require and any behavior that suggests or implies a partnership, affiliation, joint venture, or other relationship with BGI or

6.19. attempt to do any of the acts described in this Section 6, or assist or permit any person in engaging in any of the acts described in this Section 6.

7. Third-Party Services and Linked Websites.

BGI may provide tools through the Service that enable you to export information, including User Content, to third party services, including through features that allow you to link your account on BGI with an account on the third party service, such as Twitter or Facebook, or through our implementation of third party buttons (such as "like" or "share" buttons). By using one of these tools, you agree that we may transfer that information to the applicable third-party service. Third party services are not under our control, and we are not responsible for any third party service’s use of your exported information. The Service may also contain links to third-party websites. Linked websites are not under our control, and we are not responsible for their content. We prohibit the use of any links to the Service from any other websites unless we approve the establishment of the link in advance.

8. Termination of Use; Discontinuation and Modification of the Service.

You may terminate your account at any time by contacting customer service at [email protected] If you terminate your account, you remain obligated to pay all outstanding fees, if any, incurred prior to termination relating to your use of the Service. If you violate any provision of these Terms, your permission from us to use the Service will terminate automatically. In addition, BGI may in its sole discretion terminate your user account on the Service or suspend or terminate your access to the Service at any time for any reason or no reason, with or without notice. We also reserve the right to modify or discontinue the Service at any time (including by limiting or discontinuing certain features of the Service), temporarily or permanently, without notice to you. We will have no liability whatsoever on account of any change to the Service or any suspension or termination of your access to or use of the Service.

9. Privacy Policy; Additional Terms.

10.1. Privacy Policy.

Please read the BGI Privacy Policy carefully for information relating to our collection, use, storage and disclosure of your personal information. The BGI Privacy Policy is incorporated by this reference into, and made a part of, these Terms.

10.2. Additional Terms.

Your use of the Service is subject to all additional terms, policies, rules, or guidelines applicable to the Service or certain features of the Service that we may post on or link to from the Service (the "Additional Terms" ), such as end-user license agreements for any downloadable software applications, or rules that applicable to a particular feature or content on the Service, subject to Section 11. All Additional Terms are incorporated by this reference into, and made a part of, these Terms.

10. Modification of these Terms.

We reserve the right, at our discretion, to change these Terms on a going-forward basis at any time. Please check these Terms periodically for changes. If a change to these Terms materially modifies your rights or obligations, you may be required to accept the modified Terms in order to continue to use the Service. Material modifications will be effective upon the published effective date. Immaterial modifications are effective upon publication. Disputes arising under these Terms will be resolved in accordance with the version of these Terms that was in effect at the time the dispute arose.

11. Ownership; Proprietary Rights

11.1. Generally.

The Service is owned and operated by Blue Guruz Inc. The visual interfaces, graphics, design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the Service ( "Materials" ) provided by Blue Guruz Inc. as service - BGI - are protected by intellectual property and other laws. All Materials included in the Service are the property of Blue Guruz Inc. or our third-party licensors. Except as expressly authorized by Blue Guruz Inc., you may not make use of the Materials. Blue Guruz Inc. reserves all rights to the Materials not granted expressly in these Terms. 11.2. Trademarks.

The trademarks, logos and service marks appearing on the Service, including, but not limited to, the trademark: "BGI" are the trademarks and service marks of BGI. Other company, product, and service names and logos used and displayed on the Service may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to us. Nothing on the Service should be construed as granting, by implication or otherwise, any license or right to use any of trademarks and service marks displayed on the Service, without our prior written permission in each instance.

12. Feedback.

If you choose to provide input and suggestions regarding problems with or proposed modifications or improvements to the Service ( "Feedback" ), then you hereby grant BGI an unrestricted, perpetual, irrevocable, non-exclusive, fully-paid, royalty-free right to exploit the Feedback in any manner and for any purpose, including to improve the Service and create other products and services.

13. Indemnity.

You are responsible for your use of the Service, and you will defend and indemnify Blue Guruz Inc., its service providers, and their respective officers, directors, employees, consultants, affiliates, subsidiaries and agents (together, the "BGI Entities" ) from and against every claim, liability, damage, loss, and expense, including reasonable attorneys’ fees and costs, arising out of or in any way connected with: (a) your access to, use of, or alleged use of, the Service; (b) your violation of any portion of these Terms, any representation, warranty, or agreement referenced in these Terms, or any applicable law or regulation; (c) your violation of any third-party right, including any intellectual property right or publicity, confidentiality, other property, or privacy right; or (d) any dispute or issue between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (without limiting your indemnification obligations with respect to that matter), and in that case, you agree to cooperate with our defense of that claim.

14. Disclaimers; No Warranties.

THE SERVICE AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICE ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS, WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED. THE BGI ENTITIES DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SERVICE AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICE, INCLUDING: (A) ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (B) ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE. THE BGI ENTITIES DO NOT WARRANT THAT THE SERVICE OR ANY PORTION OF THE SERVICE, OR ANY MATERIALS OR CONTENT OFFERED THROUGH THE SERVICE, WILL BE UNINTERRUPTED (INCLUDING BUT NOT LIMITED TO INTERRUPTIONS THAT MAY AFFECT THE RECEIPT, PROCESSING, ACCEPTANCE OR SETTLEMENT OF PAYMENT TRANSACTIONS), SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, AND DO NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SERVICE OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE SERVICE WILL CREATE ANY WARRANTY REGARDING ANY OF THE BGI ENTITIES OR THE SERVICE THAT IS NOT EXPRESSLY STATED IN THESE TERMS. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO THE SERVICE, YOUR DEALING WITH ANY OTHER SERVICE USER, AND ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE SERVICE. YOU UNDERSTAND AND AGREE THAT YOU USE THE SERVICE, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN MATERIALS OR CONTENT THROUGH THE SERVICE AND ANY ASSOCIATED SITES OR SERVICES, AT YOUR OWN DISCRETION AND RISK, AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE SERVICE), OR THE LOSS OF DATA THAT RESULTS FROM THE USE OF THE SERVICE OR THE DOWNLOAD OR USE OF THAT MATERIAL OR CONTENT. SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OF WARRANTIES AND YOU MAY HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.

15. Limitation of Liability.

IN NO EVENT WILL THE BGI ENTITIES BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR ANY OTHER INTANGIBLE LOSS) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE SERVICE OR ANY MATERIALS OR CONTENT ON THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ANY BGI ENTITY HAS BEEN INFORMED OF THE POSSIBILITY OF DAMAGE. EXCEPT AS PROVIDED IN SECTION 19.4(iii), THE AGGREGATE LIABILITY OF THE BGI ENTITIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR ANY INABILITY TO USE ANY PORTION OF THE SERVICE OR OTHERWISE UNDER THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO THE GREATER OF: (A) THE AMOUNT YOU HAVE PAID TO BGI FOR ACCESS TO AND USE OF THE SERVICE IN THE 12 MONTHS PRIOR TO THE EVENT(S) OR CIRCUMSTANCES GIVING RISE TO CLAIM; OR (B) $100. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. ACCORDINGLY, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED TO AND DOES ALLOCATE THE RISKS BETWEEN THE PARTIES UNDER THESE TERMS. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION 15 WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

16. Governing Law.

These Terms are governed by the laws of the State of Delaware without regard to conflict of law principles. If a lawsuit or court proceeding is permitted under these Terms, then you and Blue Guruz Inc. agree to submit to the personal and exclusive jurisdiction of the state courts and federal courts located within the State of Delaware for the purpose of litigating any dispute. We operate the Service from our offices in Delaware, and we make no representation that Materials included in the Service are appropriate or available for use in other locations.

17. General.

These Terms, together with the Privacy Policy and any other agreements expressly incorporated by reference into these Terms, are the entire and exclusive understanding and agreement between you and Blue Guruz Inc. regarding your use of the Service - BGI. Except as expressly permitted above, these Terms may be amended only by a written agreement signed by authorized representatives of all parties to these Terms. You may not assign or transfer these Terms or your rights under these Terms, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign these Terms at any time without notice or consent. The failure to require performance of any provision will not affect our right to require performance at any other time after that, nor will a waiver by us of any breach or default of these Terms, or any provision of these Terms, be a waiver of any subsequent breach or default or a waiver of the provision itself. Use of section headers in these Terms is for convenience only and will not have any impact on the interpretation of any provision. If any part of these Terms is held to be invalid or unenforceable, the unenforceable part will be given effect to the greatest extent possible, and the remaining parts will remain in full force and effect. Upon termination of these Terms, Sections 3, 5, 6 through 19 along with the Privacy Policy and any other accompanying agreements, will survive.

18. Dispute Resolution and Arbitration.

18.1. Generally.

In the interest of resolving disputes between you and BGI in the most expedient and cost effective manner, you and BGI agree that every dispute arising in connection with these Terms will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. This agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of these Terms, 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. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND BGI ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

18.2. Exceptions.

Despite the provisions of Section 19.1, 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; or (d) to file suit in a court of law to address an intellectual property infringement claim.

18.3. Arbitrator.

Any arbitration between you and BGI will be settled under the Federal Arbitration Act, and governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules" ) of the American Arbitration Association ( "AAA" ), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by contacting BGI.

18.4. Notice; Process.

A party who intends to seek arbitration 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 such other party has not provided a current physical address, then by electronic mail ( "Notice" ). BGI’s address for Notice is: Blue Guruz Inc. Inc., Attn: LEGALINC CORPORATE SERVICES INC., 2035 Sunset Lake Road Suite B-2 Newark, Delaware 19702. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) 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 is received, you or BGI may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or BGI must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. If the dispute is finally resolved through arbitration in your favor, BGI will pay you the highest of the following: (i) the amount awarded by the arbitrator, if any; (ii) the last written settlement amount offered by BGI in settlement of the dispute prior to the arbitrator’s award; or (iii) $1,000.

18.5. Fees.

If you commence arbitration in accordance with these Terms, BGI will reimburse you for your payment of the filing fee, unless your claim is for more than $10,000, in which case the payment of any fees will be decided by the AAA Rules. Any arbitration hearing will take place at a location to be agreed upon in Newark, Delaware, but if the claim is for $10,000 or less, you may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a non-appearance based telephone hearing; or (c) by an in-person hearing as established by the AAA Rules in the county (or parish) of your billing address. If the arbitrator finds that either the substance of your 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 AAA Rules. In that case, you agree to reimburse BGI for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules. 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. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.

18.6. No Class Actions.

YOU AND BGI 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 BGI 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.

18.7. Modifications to this Arbitration Provision.

If BGI makes any future change to this arbitration provision, other than a change to BGI’s address for Notice, you may reject the change by sending us written notice within 30 days of the change to BGI’s address for Notice, in which case your account with BGI will be immediately terminated and this arbitration provision, as in effect immediately prior to the changes you rejected will survive.

18.8. Enforceability.

If Section 18.6 is found to be unenforceable or if the entirety of this Section 18 is found to be unenforceable, then the entirety of this Section 18 will be null and void and, in that case, the parties agree that the exclusive jurisdiction and venue described in Section 17 will govern any action arising out of or related to these Terms.

19. Force Majeure.

We will not be liable for any failure or delay in performance under these Terms or in connection with the Service due to any cause beyond our reasonable control, including acts of war, acts of God, terrorism, earthquake, flood, embargo, riot, sabotage, labor shortage or dispute, governmental act or failure of the Internet.