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TERMS OF SERVICE AND CONDITIONS

Website | Mobile App | Civic Engagement Platform | Community Services

IMPORTANT ARBITRATION AND CLASS ACTION NOTICE

These Terms contain a mandatory arbitration agreement, class action waiver, limitations of liability, content license, community rules, and rules for civic engagement, fundraising, creator monetization, organization accounts, and payments. Users should read the complete document before using UMERGE.

Contents. Document Map

Plain-Language Summary
Agreement Scope and Eligibility
Account Registration, Security, and Verification
What UMERGE Is – and Is Not
Community Standards and Prohibited Conduct
User Content and Content Licenses
UMERGE Intellectual Property
Civic Features, Petitions, Boycotts, Protests, Strikes, and Walkouts
Political, Government, Nonprofit, and Organization Accounts
Fundraising, Donations, Ticketing, Subscriptions, Tokens, and Marketplace Tools

Advertising, Sponsorships, Promotions, and Endorsements

Civic Score, Trust Signals, Verification, and Reputation Systems
AI Features, Recommendations, Search, and Automated Systems
Messaging, Live Rooms, Streaming, Events, and Safety
Privacy, Data, Cookies, and Communications
Moderation, Enforcement, Reporting, Appeals, and Investigations
Third-Party Services and App Store Terms
Copyright, Trademark, and DMCA Procedures
Feedback, Ideas, and Product Improvements
Developer, API, Scraping, and Security Rules
Compliance with Laws; Sanctions; Export; Anti-Corruption
Disclaimers and No Professional Advice
Limitation of Liability
Indemnification
Termination, Suspension, and Survival
Dispute Resolution; Arbitration; Class Action Waiver
Governing Law; Venue; International Users
Changes to the Terms; Additional Terms
General Legal Provisions
Contact and Legal Notices
Exhibit A – Community and Civic Integrity Standards
Exhibit B – Payment, Fundraising, Creator, and Marketplace Terms
Exhibit C – Business, Organization, Candidate, Government, and Nonprofit Terms
Exhibit D – Publication and Compliance Checklist

1. Plain-Language Summary

This summary is provided to make the Terms easier to understand. It is not a substitute for the full legal agreement below. If the summary conflicts with the full Terms, the full Terms control.

UMERGE is a civic engagement and social impact platform designed to help users discover issues, discuss ideas, participate in non-binding civic polls, support petitions and causes, attend or organize community actions, interact with public-interest content, and connect with communities, organizations, creators, businesses, candidates, elected officials, government entities, and nonprofits.

Users keep ownership of the content they create, but they grant UMERGE the rights needed to host, display, distribute, moderate, translate, recommend, promote, and improve the Services. UMERGE may remove content or restrict accounts when needed for safety, integrity, legal compliance, platform quality, or to protect the rights of others.

UMERGE is not a government agency, election authority, polling authority, law firm, financial adviser, charity, escrow agent, bank, broker, campaign treasurer, or emergency service. Civic votes and Civic Score signals on UMERGE are informational and community-engagement tools only; they do not create binding legal, election, credit, employment, housing, insurance, or governmental effects.

Users are responsible for complying with all laws that apply to their content and activities, including election, campaign finance, charitable solicitation, labor, tax, consumer protection, intellectual property, privacy, and advertising disclosure laws.

2. Agreement Scope and Eligibility

These Terms of Service and Conditions (the “Terms”) are a legally binding agreement between you and UMERGE CORP (“UMERGE,” “Company,” “we,” “us,” or “our”) governing your access to and use of UMERGE websites, mobile applications, web pages, WordPress-powered websites, software, civic engagement tools, profiles, feeds, live rooms, voting features, petitions, fundraising tools, creator tools, organization accounts, business tools, APIs, widgets, notifications, and all related online or offline services that link to these Terms (collectively, the “Services”).

By creating an account, accessing the Services, clicking to accept these Terms, using a UMERGE feature, submitting content, purchasing a paid service, participating in a live room, using organization tools, or continuing to use the Services after an update, you agree to be bound by these Terms, the Privacy Policy, Community Standards, supplemental feature terms, payment terms, and any other policies or notices that are incorporated by reference.

If you use the Services on behalf of a company, nonprofit, political committee, campaign, government entity, school, association, creator collective, agency, or other organization, you represent and warrant that you are authorized to bind that entity and that the entity accepts these Terms. In that case, “you” includes both you and the entity.

You may not use the Services if you are barred under applicable law, subject to sanctions restrictions that prohibit use, previously removed from the Services for serious misconduct, or under the age threshold described below.

Minimum age. You must be at least 13 years old to use UMERGE. If you are between 13 and the age of majority in your jurisdiction, you may use the Services only with the involvement, supervision, and consent of a parent or legal guardian who agrees to these Terms.

No child-directed service. UMERGE is not directed to children under 13, and users under 13 may not create accounts, submit personal information, participate in live rooms, purchase items, donate, fundraise, or use the Services.

Minor restrictions. Users under 18 may be restricted from certain features, including fundraising, political advertising, monetization, token purchases, creator payouts, business accounts, verified organization accounts, live hosting, paid events, and other features that require legal capacity or additional consent.
Account accuracy. You agree to provide truthful, current, and complete information and to keep it updated.

UMERGE may require additional information or verification before enabling sensitive features.

3. Account Registration, Security, and Verification

You are responsible for the activity that occurs through your account and for maintaining the confidentiality of your username, password, verification credentials, connected accounts, devices, and authentication methods. You must notify UMERGE promptly if you suspect unauthorized access or a security breach.

UMERGE may offer optional or required verification methods, such as email verification, phone verification, location or district verification, organization verification, government ID verification through a third-party provider, professional affiliation verification, nonprofit verification, candidate or campaign verification, public official verification, or other trust signals. Verification does not guarantee identity, truthfulness, legality, endorsement, safety, or quality.

UMERGE may deny, revoke, or limit verification if information is inaccurate, unverifiable, misleading, outdated, obtained through improper means, or used to deceive users. UMERGE may display badges, labels, account type indicators, location or district indicators, sponsorship labels, civic role labels, or other context to help users evaluate content.

Do not share accounts or credentials without UMERGE’s written permission.
Do not sell, transfer, lease, assign, or sublicense your account, username, Civic Score, verification badge, audience, access privileges, tokens, or account history without UMERGE’s express written permission.
Do not impersonate another person, organization, candidate, public official, government office, nonprofit, business, media outlet, union, school, or civic group.
Do not create multiple accounts to manipulate votes, Civic Score, trends, petitions, comments, donations, recommendations, reports, moderation outcomes, ad delivery, or platform metrics.

4. What UMERGE Is – and Is Not

UMERGE is a neutral technology platform for civic engagement, community discussion, issue discovery, social connection, education, advocacy coordination, community action, and related digital services. UMERGE may provide tools for users to express opinions, organize communities, support causes, share content, join discussions, view policy or civic information, participate in non-binding votes or polls, and interact with other users and organizations.

UMERGE is not a governmental body, election administrator, public records custodian, polling institution, legal representative, union representative, campaign treasurer, charity, escrow agent, tax adviser, investment adviser, broker-dealer, bank, credit bureau, employment agency, emergency service, healthcare provider, or guarantor of any outcome. UMERGE does not endorse every user, organization, candidate, petition, boycott, fundraiser, event, statement, policy position, civic action, or item of content appearing on the Services.

UMERGE may facilitate access to third-party content, public information, user-generated content, official documents, legislation summaries, agency pages, news, civic data, AI summaries, or external links. Such material may be incomplete, outdated, incorrect, biased, or subject to third-party terms. Users must independently verify information before relying on it.

Non-binding civic votes. Unless UMERGE expressly states otherwise in writing, UMERGE polls, votes, sentiment indicators, issue ratings, candidate ratings, policy ratings, petition counts, boycott participation, protest RSVP counts, strike or walkout signals, and other engagement tools are non-binding community expression tools only.
No official election function. UMERGE does not conduct official elections, voter registration, ballot casting, ballot counting, campaign finance reporting, lobbying registration, public notice, or legally binding referenda unless expressly authorized by law and confirmed by UMERGE in writing.
No emergency use. Do not use UMERGE to seek emergency help. If you believe someone is in immediate danger, contact local emergency services.
No professional advice. Information on UMERGE is for general informational and community purposes and does not constitute legal, tax, medical, financial, investment, employment, housing, insurance, safety, lobbying, labor, political compliance, or other professional advice.

5. Community Standards and Prohibited Conduct

UMERGE is built for constructive civic engagement. You agree to use the Services in a lawful, respectful, authentic, and safe manner. UMERGE may maintain and update Community Standards, content policies, safety rules, advertising policies, fundraising policies, live room rules, youth safety policies, election integrity policies, and other guidelines that apply to your conduct and content.

The following conduct is prohibited. This list is illustrative, not exhaustive. UMERGE may determine, in its reasonable discretion, whether content or conduct violates these Terms, creates risk, undermines civic integrity, harms users, infringes rights, or is otherwise incompatible with the Services.

Illegal activity, including unlawful threats, harassment, stalking, fraud, bribery, extortion, money laundering, campaign finance violations, illegal charitable solicitation, illegal gambling, unlawful coordination, illegal weapons sales, non-consensual intimate imagery, exploitation of minors, trafficking, or evasion of law enforcement.
Violence, threats, intimidation, incitement, credible calls for physical harm, glorification of violent extremism, instructions for dangerous acts, or coordination of unlawful property damage, riots, assaults, sabotage, swatting, doxxing, or harassment campaigns.
Hate, harassment, bullying, dehumanization, targeted abuse, slurs, threats, non-consensual sexual content, gender-based harassment, disability-based harassment, or attacks on protected classes or vulnerable communities.
Misinformation or manipulation that may cause civic, electoral, health, safety, financial, or public-order harm, including voter suppression, false election procedures, fabricated official statements, deceptive emergency information, fake endorsements, forged documents, deepfakes without disclosure, or coordinated inauthentic behavior.
Spam, scams, phishing, malware, bot activity, scraping, fake engagement, fake donations, false reports, misleading redirects, unauthorized automation, mass account creation, follower or signature manipulation, or attempts to evade platform limits.

Impersonation or deceptive identity use, including fake candidates, fake public officials, fake nonprofits, fake government accounts, fake news accounts, or misleading affiliation claims.

Infringement or misuse of intellectual property, privacy rights, publicity rights, confidential information, trade secrets, sensitive personal data, financial data, government IDs, or private communications.
Sexual exploitation or abuse, especially involving minors. Any apparent child sexual abuse material or exploitation may be removed and reported to appropriate authorities.
Content or activity that interferes with, disrupts, damages, overloads, reverse engineers, probes, scans, tests, or circumvents the Services, security systems, rate limits, moderation systems, or access controls.

6. User Content and Content Licenses

The Services allow users to create, upload, livestream, post, comment, react to, share, repost, vote on, endorse, petition, donate to, promote, sell, display, transmit, or otherwise make available text, images, video, audio, live streams, messages, graphics, logos, profile information, avatars, names, petitions, fundraisers, links, ratings, votes, survey responses, ideas, feedback, metadata, and other materials (collectively, “User Content”). You are solely responsible for your User Content and for the consequences of posting or sharing it.

You retain ownership of rights you hold in your User Content. However, by submitting User Content to the Services, you grant UMERGE a worldwide, non-exclusive, transferable, sublicensable, royalty-free, fully paid license to host, store, cache, reproduce, modify, adapt, edit, translate, create derivative works from, publicly perform, publicly display, distribute, transmit, index, analyze, recommend, rank, promote, market, make accessible, and otherwise use your User Content for purposes of operating, providing, improving, securing, moderating, developing, marketing, and making the Services available in any media or distribution method now known or later developed.

This license includes the right to use your username, profile image, voice, likeness, organization name, trademarks or logos you submit, and public account information in connection with displaying, distributing, promoting, or contextualizing your User Content. It also includes technical modifications necessary to adapt User Content to different devices, formats, bandwidth, accessibility features, captioning systems, translation systems, moderation tools, search, recommendations, and platform integrations.

The license ends when your User Content is deleted from the Services, except that copies may remain where the content has been shared by others, included in public civic records or community discussions, cached, backed up, archived for legal, safety, security, fraud-prevention, audit, or compliance reasons, used in aggregated or deidentified insights, or reasonably necessary for UMERGE to defend or exercise legal rights.

You represent and warrant that you own or have all rights, licenses, consents, permissions, releases, and authority needed to submit your User Content and grant the license above; that your User Content does not violate law, these Terms, or the rights of others; and that your User Content is accurate where accuracy is legally required.

Public nature of content. Public User Content may be visible to users, non-users, search engines, organizations, media, governments, researchers, and third-party services. Do not post sensitive information unless you intend for it to be public.
Private communications. Direct messages, private groups, drafts, and restricted content may still be processed by UMERGE for delivery, safety, security, moderation, legal compliance, and abuse prevention.
Moral rights. To the maximum extent permitted by law, you waive and agree not to assert moral rights or similar rights against UMERGE or its users in connection with the permitted use of User Content under these Terms.
No compensation. Except where a separate written monetization agreement or feature-specific terms expressly say otherwise, UMERGE owes no compensation for User Content, feedback, engagement, account activity, Civic Score, recommendations, views, shares, or audience growth.

7. UMERGE Intellectual Property

UMERGE and its licensors own all rights, title, and interest in and to the Services, including software, source code, object code, designs, interfaces, layouts, algorithms, models, scoring systems, Civic Score logic, feed logic, recommendation systems, moderation tools, databases, trademarks, logos, trade dress, service marks, brand assets, icons, documentation, text, graphics, audiovisual works, and all improvements and derivative works (collectively, “UMERGE IP”).

Subject to your compliance with these Terms, UMERGE grants you a limited, personal, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for lawful purposes. No rights are granted except as expressly stated. You may not copy, modify, distribute, sell, lease, reverse engineer, decompile, scrape, frame, mirror, create competing services from, or otherwise exploit UMERGE IP without UMERGE’s written permission.

The UMERGE name, logo, flame mark, product names, slogans, and related brand assets may not be used without written permission, except as expressly permitted by UMERGE brand guidelines or applicable law. Goodwill arising from use of UMERGE marks belongs exclusively to UMERGE.

8. Civic Features, Petitions, Boycotts, Protests, Strikes, and Walkouts

UMERGE may provide civic engagement features, including policy discovery, issue feeds, real-time sentiment, candidate or policy discussions, petitions, pledges, boycotts, protests, rallies, strikes, walkouts, event RSVPs, fundraising, live civic rooms, civic polls, comments, reposts, verified cause pages, and other action tools. These features are designed to facilitate expression, organization, education, awareness, and community engagement.

You are solely responsible for ensuring that your civic actions, petitions, boycotts, protests, strikes, walkouts, picketing, fundraising, campaigns, advocacy, lobbying, endorsements, public statements, organization activities, and related content comply with all applicable laws, permits, school rules, workplace rules, labor laws, election laws, campaign finance rules, charitable solicitation rules, tax rules, public safety rules, platform rules, court orders, and third-party rights.

UMERGE does not verify the legality, safety, accuracy, fairness, effectiveness, or enforceability of any civic action. UMERGE may label, limit, remove, downrank, restrict, demonetize, or require additional verification for civic actions that involve heightened legal, safety, public-order, reputational, financial, youth-safety, or platformintegrity risk.

Petition creators are responsible for accuracy, lawful signature collection, truthful target identification, lawful use of names or contact information, and compliance with applicable public-submission or lobbying rules.

Boycotts. Boycott creators must not incite threats, harassment, doxxing, vandalism, discrimination, coercion, unlawful restraint of trade, extortion, deception, or tortious conduct. UMERGE may use neutral labels such as “consumer action,” “public accountability,” or “economic advocacy” where appropriate.

Protests, rallies, strikes, and walkouts. Event creators and participants are responsible for permits, safety planning, public-order compliance, school or workplace rules, labor law, emergency access, nonviolence, accessibility, and accurate location/time information. UMERGE does not supervise physical events.
Government and public officials. Content involving government agencies, public officials, police, schools, courts, election offices, or public meetings must not falsely imply official authorization or misstate lawful procedures.
Civic data. District, policy, legislative, or public-record information may be approximate, outdated, incomplete, or dependent on third-party sources. Users should confirm with official sources before acting.

9. Political, Government, Nonprofit, and Organization Accounts

UMERGE may allow campaigns, candidates, political committees, public officials, government entities, agencies, schools, nonprofits, unions, civic groups, businesses, media organizations, creators, coalitions, and other organizations to create accounts or pages. UMERGE may require additional verification, disclosures, account roles, administrator controls, sponsorship labels, fundraising confirmations, or compliance documentation.

Organization account administrators represent that they are authorized to manage the account, publish content, access analytics, receive communications, manage payments, create fundraisers, purchase ads, or bind the organization to applicable terms. Organizations are responsible for administrator actions and for promptly removing access from unauthorized personnel.

Government and public-sector users are responsible for any public-records, open-meetings, procurement, accessibility, archiving, employee-use, ethics, endorsement, or information-security rules that apply to their use of UMERGE. UMERGE is not responsible for preserving government records unless a separate written agreement expressly requires it.

No false authority. You may not imply that UMERGE endorses a candidate, party, government agency, cause, fundraiser, nonprofit, public official, business, or political position unless UMERGE expressly states that endorsement in writing.
Political, campaign, lobbying, charitable, and public-sector accounts must comply with all applicable registration, disclosure, disclaimer, reporting, contribution, donor, foreign national, expenditure, archive, and recordkeeping obligations.
Verification is not endorsement. Verification badges, labels, or account type indicators help users assess authenticity but do not indicate UMERGE endorsement, safety, accuracy, legality, or trustworthiness.

10. Fundraising, Donations, Ticketing, Subscriptions, Tokens, and Marketplace Tools

UMERGE may offer or integrate paid features, subscriptions, paid events, ticketing, creator monetization, donations, charitable fundraisers, political fundraisers, cause fundraisers, tips, paid content, premium accounts, token-based features, wallet-like balances, UShop or marketplace tools, commerce features, order processing, and other payment-related services (collectively, “Paid Services”). Paid Services may be provided directly by UMERGE or through third-party processors, app stores, payment networks, banks, payout providers, tax providers, fraud vendors, identity vendors, or commerce platforms.

All Paid Services are subject to these Terms, supplemental payment terms, processor terms, app-store terms, refund policies, tax rules, payout eligibility, identity verification, sanctions screening, fraud screening, chargeback rules, and other requirements. UMERGE may add, remove, suspend, or modify Paid Services at any time.

Unless expressly stated otherwise, UMERGE is not a charity, professional fundraiser, broker, escrow agent, fiduciary, money transmitter, bank, tax adviser, campaign treasurer, or guarantor of the use of funds. Donors and supporters should evaluate causes independently. Fundraiser creators are solely responsible for truthful descriptions, lawful collection and use of funds, donor disclosures, refund obligations, taxes, recordkeeping, and compliance with charitable, political, consumer protection, and financial laws.

Payment authorization. By providing a payment method, you authorize UMERGE and its payment processors to charge applicable amounts, fees, taxes, tips, renewals, subscriptions, or other charges disclosed at purchase.
Subscriptions and renewals. Subscriptions may renew automatically unless canceled as described at purchase or in the applicable app store or account settings. You are responsible for canceling before renewal if you do not want continued charges.
Unless required by law or expressly stated in a feature-specific policy, payments, donations, tokens, tips, subscriptions, tickets, boosted content, and digital goods may be non-refundable.
Tokens and digital credits. If UMERGE offers tokens, credits, points, or wallet-like balances, they are a limited, revocable license for use inside the Services, have no cash value unless UMERGE expressly states otherwise, are not cryptocurrency, are not legal tender, are not deposits, and may be forfeited or restricted as permitted by law.
Sellers are responsible for lawful products, accurate descriptions, shipping, taxes, warranties, refunds, consumer disclosures, and regulatory compliance. UMERGE may facilitate transactions but is not necessarily the seller of record unless expressly stated.
You are responsible for any taxes, duties, levies, filings, receipts, donor acknowledgments, or reporting obligations arising from your use of Paid Services.

11. Advertising, Sponsorships, Promotions, and Endorsements

UMERGE may offer advertising, sponsored content, boosted posts, paid placements, promoted civic actions, creator sponsorships, branded content, campaign advertising, organization advertising, analytics products, lead generation tools, and related services. Advertising and sponsored activity may be subject to additional review, labeling, disclosure, eligibility, targeting, transparency, payment, and compliance rules.

Advertisers, sponsors, creators, organizations, candidates, campaigns, political committees, nonprofits, businesses, agencies, and endorsers are solely responsible for the accuracy, legality, substantiation, targeting, disclosures, disclaimers, records, permissions, and regulatory compliance of their ads, sponsorships, promotions, endorsements, contests, offers, and claims.

You must clearly and conspicuously disclose material connections, sponsorships, compensation, free products, affiliate relationships, political sponsorship, and other paid or incentivized relationships as required by law and UMERGE policies. UMERGE may label sponsored content, restrict targeting, require disclaimers, preserve ad records, or reject ads that create legal or platform risk.

 Political and issue ads may require additional verification, disclaimers, residency or citizenship checks, payment restrictions, public ad library disclosures, targeting limits, and records retention.

Ads may not be deceptive, discriminatory, predatory, manipulative, infringing, unsafe, exploitative of minors, or designed to suppress lawful civic participation.

UMERGE may review, reject, remove, pause, or restrict ads or sponsored content for any lawful reason, including brand safety, regulatory risk, civic integrity, user safety, payment risk, or policy concerns.

12. Civic Score, Trust Signals, Verification, and Reputation Systems

UMERGE may offer a Civic Score, account tiers, trust indicators, participation history, verification badges, contribution metrics, community reputation signals, creator metrics, organization credibility indicators, engagement analytics, or other scoring and ranking systems. These tools are intended to encourage constructive civic participation, reduce abuse, contextualize behavior, unlock platform privileges, and improve content quality.

Civic Score and similar signals may be influenced by participation, verification, quality signals, community feedback, reported conduct, moderation outcomes, account age, authenticity indicators, civic activity, trust signals, policy violations, harmful behavior, spam signals, fraud indicators, or other factors. UMERGE may change the logic, weights, tiers, privileges, caps, penalties, or displays at any time.

Civic Score is not a credit score, consumer report, employment score, tenant screening score, insurance score, financial eligibility score, government benefit score, legal status, professional credential, or official measure of civic worth. It must not be used for decisions involving credit, housing, employment, insurance, education, government benefits, immigration, healthcare, or other regulated eligibility decisions.

No guarantee. A high Civic Score does not guarantee truthfulness, legality, expertise, endorsement, safety, or account integrity. A low score does not necessarily mean a user is unsafe or unlawful.
Appeals and corrections. UMERGE may provide tools to appeal score-affecting enforcement actions, correct verification information, or request review of account labels. UMERGE is not required to disclose confidential anti-abuse logic.
Gaming prohibited. Attempts to buy, sell, transfer, inflate, manipulate, automate, or evade Civic Score or trust signals are prohibited.

13. AI Features, Recommendations, Search, and Automated Systems

UMERGE may use artificial intelligence, machine learning, automated systems, ranking systems, recommendation systems, search tools, filters, civic data processing, content classification, safety systems, spam detection, language translation, captioning, summarization, trend analysis, personalization, and generative or assistive AI features.

AI and automated outputs may be inaccurate, incomplete, outdated, biased, offensive, or inappropriate. You should independently verify important information, especially legal, election, health, financial, safety, public policy, public-record, and emergency information. UMERGE does not guarantee that recommendations, summaries, captions, translations, labels, scores, search results, or AI outputs are accurate or complete.

UMERGE may personalize feeds, search, notifications, ads, recommendations, civic action cards, event suggestions, fundraising suggestions, and organization suggestions based on information such as your activity, settings, location or district signals, interests, follows, engagement, account type, Civic Score, verification level, content interactions, device information, and other signals described in the Privacy Policy.

 Synthetic media. You must disclose AI-generated or materially altered media when failure to disclose could mislead users about civic, political, public-safety, identity, newsworthy, or reputational matters.

No misuse. You may not use UMERGE AI tools to deceive voters, impersonate people, generate harassment, create malware, fabricate endorsements, manipulate civic processes, evade moderation, or violate rights. Transparency. UMERGE may provide controls or explanations for certain recommendation systems where required by law or product design, but may withhold details that would compromise safety, privacy, security, or anti-abuse systems.

14. Messaging, Live Rooms, Streaming, Events, and Safety

UMERGE may offer direct messaging, group messaging, chat, voice, video, livestreaming, live civic rooms, virtual protest rooms, event pages, ticketed events, organizer tools, polls, reactions, community rooms, and related interactive features. These features may be recorded, transcribed, moderated, reported, monitored by automated systems, restricted by age or verification status, or subject to additional rules.

Users who create or host live rooms, events, or community spaces are responsible for lawful operation, accurate descriptions, moderation, safety planning, accessibility, participant conduct, permissions, recordings, music or media rights, ticketing, refunds, and compliance with venue, platform, public-safety, school, workplace, labor, or government rules.

UMERGE may remove, end, restrict, age-gate, demonetize, delay, record, review, or report live content where necessary for safety, legal compliance, civic integrity, abuse prevention, technical performance, rights protection, or policy enforcement.

No dangerous coordination. Do not use live or event features to coordinate violence, harassment, unlawful entry, property damage, weapon use, doxxing, swatting, intimidation, or evasion of law enforcement.
No expectation of perfect privacy. Even private messages or closed rooms may be captured by recipients, reported, accessed for safety or legal reasons, or disclosed as required by law.
Recording consent. You are responsible for complying with laws requiring consent to record voice, video, or communications.

15. Privacy, Data, Cookies, and Communications

Your use of the Services is also governed by the UMERGE Privacy Policy, Cookie Policy, and any just-in-time notices or consent flows presented in the Services. Those policies explain how UMERGE collects, uses, shares, protects, stores, and transfers information, including account information, content, device information, usage data, location or district signals, verification data, payment information, communications, cookies, analytics, and advertising data.

By using the Services, you consent to receiving service communications, transactional messages, legal notices, safety notices, verification requests, policy updates, account alerts, moderation notices, and other communications related to the Services. You may also opt in to marketing communications, newsletters, SMS, push notifications, or other optional communications, which may be controlled through settings or unsubscribe mechanisms where available.

UMERGE may use cookies, pixels, local storage, SDKs, analytics tools, app-store tools, fraud-prevention tools, advertising tools, and similar technologies as described in the Privacy Policy or Cookie Policy. Some features may require enabling certain device permissions, such as notifications, camera, microphone, contacts, photos, or location.

Separate policies. Privacy rights, data deletion, access requests, parental requests, and consumer privacy rights should be handled through UMERGE’s Privacy Policy and designated privacy contact.

International transfers. Users outside the United States understand that their information may be processed in the United States or other countries where UMERGE, vendors, or service providers operate, subject to applicable law.

 Sensitive information. Do not upload government IDs, financial data, health information, immigration records, legal documents, addresses, minors’ information, or other sensitive data unless a feature specifically requires it and UMERGE provides appropriate instructions.

16. Moderation, Enforcement, Reporting, Appeals, and Investigations

UMERGE may, but is not obligated to, monitor, review, screen, label, downrank, remove, restrict, disable, suspend, terminate, demonetize, limit distribution of, or preserve User Content, accounts, live rooms, ads, fundraisers, listings, events, messages, transactions, or other activity when UMERGE believes such action is appropriate.

UMERGE may act for reasons including violation of these Terms or policies, legal compliance, safety, civic integrity, fraud prevention, security, user protection, intellectual property protection, reputational risk, payment risk, technical integrity, regulatory risk, or to protect UMERGE, users, partners, or the public.

UMERGE may use automated systems and human review. Enforcement decisions may not be perfect, and UMERGE may correct or reverse decisions. UMERGE may provide appeal mechanisms, but is not required to provide appeals for every decision, disclose confidential detection methods, or restore content or accounts where doing so would create risk.

Users may report content, accounts, messages, fundraisers, ads, live rooms, or transactions. False, abusive, or bad-faith reporting is prohibited.
UMERGE may preserve and disclose information to law enforcement, regulators, courts, parties, rights holders, payment processors, safety organizations, or others when UMERGE believes disclosure is lawful, necessary, or appropriate.
No duty to remove all harmful content. UMERGE does not guarantee that all offensive, unlawful, false, harmful, or objectionable content will be removed or that users will not encounter such content.

17. Third-Party Services and App Store Terms

The Services may contain or integrate third-party websites, APIs, payment processors, app stores, WordPress plugins, hosting providers, analytics tools, social login providers, maps, video services, livestreaming providers, messaging tools, notification services, AI providers, cloud providers, identity vendors, content delivery networks, ad networks, donation processors, shipping providers, or other third-party products and services.

Third-party services are governed by their own terms and policies. UMERGE does not control and is not responsible for third-party services, content, data practices, availability, security, accuracy, fees, disputes, refunds, outages, or damages. Your use of third-party services is at your own risk.

If you download or use a UMERGE mobile application through Apple App Store, Google Play, or another app marketplace, you also agree to the applicable marketplace terms. The app marketplace may be a third-party beneficiary of relevant mobile-app terms and may enforce them where applicable.

18. Copyright, Trademark, and DMCA Procedures

UMERGE respects intellectual property rights and expects users to do the same. You may not upload or share content that infringes copyrights, trademarks, trade secrets, publicity rights, privacy rights, or other rights. UMERGE may remove content or terminate repeat infringers consistent with applicable law.

If you believe content on UMERGE infringes your copyright, you may submit a notice containing: (1) your physical or electronic signature; (2) identification of the copyrighted work claimed to be infringed; (3) identification of the material claimed to be infringing and information reasonably sufficient to locate it; (4) your contact information; (5) a statement that you have a good-faith belief that use is not authorized by the copyright owner, its agent, or law; and (6) a statement under penalty of perjury that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner’s behalf.

If your content was removed under a copyright notice and you believe it was removed by mistake or misidentification, you may submit a counter-notice containing the information required by applicable law. UMERGE may forward notices and counter-notices to the parties and may restore content if permitted by law.

Before public launch, UMERGE should designate a DMCA copyright agent with the U.S. Copyright Office and publish matching agent information on the website. Until finalized, use the following placeholder for internal routing only: Copyright Agent, UMERGE CORP, [INSERT MAILING ADDRESS], Email: [INSERT COPYRIGHT EMAIL], Phone: [INSERT PHONE]. Do not publish incomplete DMCA agent information.

Trademark complaints should include the trademark registration or rights claimed, the allegedly infringing content, the basis for your complaint, and your contact information.
False or abusive notices may create legal liability. Rights holders and users should consult counsel before submitting formal legal notices.
UMERGE may refuse incomplete notices, request additional information, or take other action allowed by law.

19. Feedback, Ideas, and Product Improvements

If you submit ideas, suggestions, concepts, designs, feature requests, bug reports, business proposals, product names, workflows, content strategies, algorithms, or other feedback to UMERGE, you grant UMERGE a worldwide, perpetual, irrevocable, transferable, sublicensable, royalty-free, fully paid license to use, reproduce, modify, distribute, create derivative works from, commercialize, and otherwise exploit the feedback without restriction, compensation, attribution, or obligation to you.

Do not submit confidential information as feedback unless you have a separate written agreement with UMERGE. UMERGE is not obligated to keep feedback confidential or to implement any suggestion.

20. Developer, API, Scraping, and Security Rules

Unless UMERGE provides written permission or official developer terms, you may not access the Services through automated means, scrape content, harvest data, create unauthorized datasets, crawl profiles, bypass rate limits, reverse engineer APIs, intercept traffic, use bots, emulate users, use unauthorized plugins, or build products that compete with or replicate UMERGE.

You may not test, scan, or probe the vulnerability of the Services; attempt to breach security or authentication; interfere with service operation; introduce malware; exploit bugs; access non-public systems; exfiltrate data; or use the Services to attack others. If UMERGE publishes a security reporting program, you must follow its rules.

UMERGE may throttle, block, revoke, watermark, fingerprint, monitor, or audit access to protect the Services, users, data, partners, and platform integrity.

21. Compliance with Laws; Sanctions; Export; Anti-Corruption

You agree to comply with all laws, regulations, rules, orders, and policies that apply to your use of the Services, including laws concerning privacy, data protection, consumer protection, advertising, intellectual property, elections, campaign finance, lobbying, charitable solicitation, fundraising, labor, employment, taxation, sanctions, export control, anti-money laundering, anti-bribery, anti-corruption, accessibility, public records, youth safety, and online safety.

You may not use the Services if you are located in, organized under the laws of, ordinarily resident in, or controlled by a country, region, entity, or person subject to sanctions that prohibit the transaction, or if your use would violate export controls or trade restrictions. You may not use the Services for bribery, corruption, illicit payments, money laundering, terrorist financing, or evasion of sanctions or reporting obligations.

22. Disclaimers and No Professional Advice

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND

“WITH ALL FAULTS.” UMERGE DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE,

INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AVAILABILITY, SECURITY, RELIABILITY, AND COURSE OF DEALING.

UMERGE does not warrant that the Services will be uninterrupted, secure, error-free, accurate, complete, free from harmful content, free from defects, compatible with your systems, or available in any particular location. UMERGE does not warrant that content, Civic Score, recommendations, AI outputs, analytics, fundraising tools, ads, events, or civic data will meet your expectations or achieve any result.

No content on the Services constitutes legal, tax, financial, investment, medical, psychological, public safety, labor, election compliance, campaign finance, lobbying, employment, housing, insurance, or other professional advice. You should consult qualified professionals before making decisions with legal, financial, health, safety, public policy, or other significant consequences.

23. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UMERGE, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES,

CONTRACTORS, AGENTS, INVESTORS, LICENSORS, SERVICE PROVIDERS, AND PARTNERS WILL NOT BE LIABLE

FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES;

LOST PROFITS; LOST REVENUE; LOST DATA; LOSS OF GOODWILL; BUSINESS INTERRUPTION; PERSONAL INJURY;

PROPERTY DAMAGE; REPUTATIONAL HARM; CIVIC, POLITICAL, OR ORGANIZATIONAL OUTCOMES; DONATION OR FUNDRAISING DISPUTES; OR OTHER LOSSES ARISING OUT OF OR RELATED TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UMERGE’S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT

OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO UMERGE FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) $100.

Some jurisdictions do not allow certain limitations of liability. In those jurisdictions, the limitations apply to the maximum extent permitted by law. Nothing in these Terms excludes liability that cannot be excluded under applicable law.

24. Indemnification

To the maximum extent permitted by law, you will defend, indemnify, and hold harmless UMERGE, its affiliates, officers, directors, employees, contractors, agents, investors, licensors, service providers, payment processors, and partners from and against all claims, demands, actions, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to: (1) your use of the Services; (2) your User Content; (3) your violation of these Terms or UMERGE policies; (4) your violation of law or third-party rights; (5) your civic actions, petitions, boycotts, protests, strikes, walkouts, events, fundraising, ads, sponsorships, endorsements, marketplace activity, or organization activities; (6) your disputes with other users; or (7) your fraud, negligence, misconduct, or unauthorized access.

UMERGE may control the defense and settlement of any indemnified claim, and you agree to cooperate. You may not settle any claim in a manner that imposes obligations on UMERGE, admits fault by UMERGE, or affects UMERGE’s rights without UMERGE’s written consent.

25. Termination, Suspension, and Survival

You may stop using the Services at any time and may delete your account if UMERGE provides that functionality. UMERGE may suspend, restrict, terminate, disable, or delete your account, content, privileges, Civic Score, verification, monetization access, ads, fundraisers, tokens, marketplace features, API access, or other features at any time where permitted by law, including for violation of these Terms, risk, legal compliance, inactivity, nonpayment, fraud, abuse, security concerns, or service discontinuation.

Termination may result in loss of access to content, messages, followers, fundraisers, tokens, account data, analytics, purchases, subscriptions, payouts, and other information. UMERGE may preserve information as needed for legal, safety, security, fraud-prevention, audit, backup, tax, dispute-resolution, or legitimate business purposes.

Provisions that by their nature should survive termination will survive, including ownership, licenses, payment obligations, disclaimers, limitations of liability, indemnification, dispute resolution, arbitration, class action waiver, governing law, confidentiality obligations if any, and general legal provisions.

26. Dispute Resolution; Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT MAY REQUIRE YOU AND UMERGE TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND LIMIT THE WAYS YOU CAN SEEK RELIEF.

Informal resolution. Before filing a claim, you agree to send a written notice describing the dispute, the relief requested, and your contact information to UMERGE at [INSERT LEGAL NOTICE EMAIL/ADDRESS]. UMERGE will have 30 days to attempt to resolve the dispute informally. This informal process does not apply where urgent injunctive relief is needed to prevent misuse of intellectual property, data, systems, confidential information, or safety-related harm.

Binding arbitration. Except for excluded claims, any dispute, claim, or controversy arising out of or relating to these Terms, the Services, your account, content, payments, civic features, ads, fundraising, or relationship with UMERGE will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its applicable consumer or commercial arbitration rules, or by another arbitration provider if AAA is unavailable or inappropriate. The arbitrator will have authority to resolve disputes about arbitrability except where the law requires a court to decide.

Class action and jury trial waiver. YOU AND UMERGE WAIVE ANY RIGHT TO A JURY TRIAL AND AGREE THAT

DISPUTES WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF, CLASS MEMBER, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE IN ANY CLASS, CONSOLIDATED, COLLECTIVE, OR REPRESENTATIVE ACTION.

Excluded claims. Either party may bring claims in small claims court if eligible. UMERGE may seek injunctive or equitable relief in court to protect intellectual property, confidential information, security, data, platform integrity, or users. Claims that cannot be arbitrated under applicable law are excluded to that extent.

Batch procedures. If 25 or more similar arbitration demands are filed against UMERGE by the same or coordinated counsel or organizations, the parties agree to use a staged or batch process designed by the arbitration provider or arbitrator to promote efficiency and fairness, including selection of bellwether cases, stays of non-bellwether cases, mediation, and coordinated fee allocation, where permitted by law.

Opt-out. You may opt out of arbitration within 30 days after first accepting these Terms by sending a written optout notice to [INSERT ARBITRATION OPT-OUT EMAIL/ADDRESS] with your name, account identifier, email, and a clear statement that you opt out of arbitration. Opting out does not affect other parts of these Terms.

27. Governing Law; Venue; International Users

These Terms and any dispute will be governed by the laws of the State of [INSERT STATE – commonly Delaware if UMERGE is a Delaware corporation], United States, without regard to conflict-of-law rules, except to the extent federal law or mandatory consumer law requires otherwise.

For claims not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in [INSERT COUNTY/STATE], except for small claims, injunctive relief, or claims that must be brought elsewhere under applicable law. You and UMERGE consent to personal jurisdiction in those courts.

UMERGE is operated from the United States. UMERGE does not represent that the Services are appropriate or available in every jurisdiction. If you access the Services from outside the United States, you do so on your own initiative and are responsible for compliance with local law. UMERGE may limit availability, features, payments, fundraising, ads, monetization, or account types by location.

28. Changes to the Terms; Additional Terms

UMERGE may update these Terms from time to time. If changes are material, UMERGE may provide notice through the Services, email, app notice, website notice, or other reasonable means. The updated Terms will be effective when posted or on the stated effective date. Your continued use of the Services after changes become effective means you accept the updated Terms.

Certain Services may be subject to additional terms, including privacy notices, creator terms, ad terms, payment terms, app-store terms, API terms, beta terms, organization terms, fundraiser terms, event terms, marketplace terms, and promotional terms. If additional terms conflict with these Terms, the additional terms control only for the specific feature or service to which they apply.

29. General Legal Provisions

Entire agreement. These Terms, together with incorporated policies and supplemental terms, are the entire agreement between you and UMERGE regarding the Services and supersede prior or contemporaneous agreements on the same subject, except for separate written agreements signed by UMERGE.

Severability. If any provision is found unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remaining provisions will remain in effect. If the class action waiver is found unenforceable for a particular claim, that claim must proceed in court and not in arbitration unless the parties agree otherwise.

No waiver. UMERGE’s failure to enforce a provision is not a waiver. Any waiver must be in writing and signed by

UMERGE.

Assignment. You may not assign or transfer these Terms or your account without UMERGE’s written consent. UMERGE may assign these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, corporate transaction, or by operation of law.

Force majeure. UMERGE is not liable for delay or failure caused by events beyond its reasonable control, including natural disasters, war, terrorism, civil unrest, labor disputes, internet or hosting outages, cyberattacks, government action, platform restrictions, payment network failures, or third-party service failures.

Interpretation. Headings are for convenience only. Examples are illustrative. The words “including” and “such as” mean “including without limitation.” The singular includes the plural and vice versa. Any translated version is provided for convenience, and the English version controls unless required by law.

30. Contact and Legal Notices

For general support, legal inquiries, privacy requests, or policy questions, contact UMERGE at admin@umerge.co. Legal notices should also be sent to: UMERGE CORP, [INSERT MAILING ADDRESS], Attention: Legal Department.

UMERGE may send notices to you through the Services, email, account alerts, push notifications, SMS, website postings, or mail. You are responsible for keeping your contact information current.

Exhibit A. Community and Civic Integrity Standards

This Exhibit supplements the Community Standards and applies to all users, creators, organizations, candidates, public officials, businesses, nonprofits, fundraisers, advertisers, and event organizers. UMERGE may update operational standards as the platform grows.

Use your real identity or a lawful pseudonym, but do not mislead users about who you are, who controls your account, where you are located, whether you are affiliated with a campaign, agency, media outlet, nonprofit, business, or government office, or whether content is sponsored or automated.

Civic integrity. Do not spread false information about voting procedures, election dates, eligibility, ballot counting, polling places, voter intimidation, census participation, government benefits, emergency procedures, or public-health and safety instructions.

Constructive engagement. Criticize policies, organizations, businesses, candidates, and public officials without threats, harassment, doxxing, slurs, dehumanization, or incitement.
Peaceful action. UMERGE supports lawful civic participation and peaceful advocacy. Users may not use the Services to coordinate violence, riots, property destruction, unlawful entry, intimidation, or obstruction of emergency services.
Fundraising integrity. Fundraisers must be truthful, transparent, and lawful. Creators must disclose how funds will be used, who receives funds, whether donations are tax-deductible, whether UMERGE or processors take fees, and whether the fundraiser is personal, charitable, political, or commercial.
Youth safety. Do not solicit minors for political, sexual, financial, dangerous, exploitative, or inappropriate activity. Do not publish private information about minors or encourage students to violate law or safety rules.
AI and synthetic media. Label materially altered or synthetic media when it could mislead people about real events, official statements, candidates, public officials, policy positions, civic emergencies, safety issues, endorsements, or identity.
Crisis and emergency content. Do not post false emergency information, fake missing-person notices, false law-enforcement instructions, or content that interferes with emergency response.
Doxxing and privacy. Do not publish private addresses, phone numbers, identification documents, financial details, medical details, private communications, precise locations, or other sensitive information without consent and lawful basis.
Appeal and fairness. Users may disagree with moderation decisions. Appeals must be made through UMERGE’s designated channels and may not include threats, harassment, or attempts to bypass enforcement.

Exhibit B. Payment, Fundraising, Creator, and Marketplace Terms

This Exhibit applies when UMERGE offers paid services, creator monetization, subscriptions, tips, tokens, donations, fundraisers, ticketed events, UShop, sponsored placements, product listings, or other commerce features. Additional processor or app-store terms may apply.

UMERGE may require identity verification, tax forms, payout account verification, business verification, nonprofit confirmation, campaign confirmation, sanctions screening, fraud review, age confirmation, or other checks before enabling payments or payouts.

UMERGE and third-party processors may deduct platform fees, payment processing fees, app-store fees, currency conversion fees, chargeback fees, refund fees, tax withholding, or other disclosed amounts.
Payout eligibility, timing, limits, reserves, holds, reversals, and documentation requirements may vary. UMERGE may hold or reverse payouts for fraud, disputes, chargebacks, legal compliance, policy violations, inaccurate information, or risk.
Refunds and chargebacks. UMERGE may issue refunds or reverse transactions where required by law, payment network rules, app-store rules, fraud review, or policy. Excessive chargebacks or refund abuse may result in restrictions.
Taxes and reporting. Creators, sellers, fundraisers, organizations, candidates, and recipients are responsible for taxes, deductions, receipts, acknowledgments, donor disclosures, campaign reporting, charitable filings, 1099s or equivalent forms, and other reporting requirements.

Marketplace safety. Sellers must not list prohibited goods or services, counterfeit items, regulated weapons, illegal drugs, unauthorized pharmaceuticals, stolen goods, personal data, fraudulent services, adult exploitation, or items that violate law or UMERGE policies.

No guaranteed income. UMERGE does not guarantee creator revenue, fundraising success, audience reach, impressions, donations, conversions, sales, views, or payouts.

Exhibit C. Business, Organization, Candidate, Government, and Nonprofit Terms

This Exhibit applies to accounts and tools used by businesses, nonprofits, political organizations, campaigns, candidates, public officials, agencies, schools, unions, civic groups, media organizations, community organizations, and similar entities.

The person creating or administering the account must have authority to act for the entity.
Compliance officer. Entities should designate a responsible administrator for legal compliance, data handling, ad approvals, fundraising, public communications, records, and account access.
Public officials and agencies. Use of UMERGE must comply with public records, accessibility, open meetings, ethics, employee conduct, archiving, procurement, endorsement, and information-security requirements.
Candidates and campaigns. Campaign-related activity must comply with federal, state, local, and foreign election laws, including disclaimer, reporting, donor, foreign national, coordination, expenditure, and recordkeeping rules.
Nonprofits and charities. Fundraising and advocacy must comply with charitable solicitation, tax-exempt, donor disclosure, lobbying, political activity, and state registration rules.
Business accounts must comply with advertising, consumer protection, product safety, data protection, employment, securities, antitrust, and endorsement laws.
UMERGE may provide aggregated or account-level analytics, but analytics are estimates and should not be treated as audited, certified, or guaranteed measurements.

Topic	Summary
What UMERGE collects	Account details, profile data, content, civic actions, communications, device data, usage activity, approximate or precise location when enabled, verification data when used, payment/donation metadata, ad/analytics data, and information from partners or public sources.
Why UMERGE uses it	To operate the platform, personalize feeds, recommend content, enable civic actions, calculate and display reputation or Civic Score features, process payments, verify accounts, improve safety, prevent abuse, measure performance, comply with law, and communicate with users.
What may be public	Public profiles, posts, comments, petitions, campaign pages, organizer pages, public fundraiser pages, public live room activity, public civic actions, badges, follower counts, and other information users choose to make public.
Sensitive civic data	Civic participation can reveal political opinions, community priorities, religious or social views, affiliations, union-related interests, or other sensitive information. UMERGE will use layered controls, notices, and consent where legally required.
Ads and analytics	UMERGE may use analytics and advertising technologies. Some sharing with ad partners may be considered “sharing,” “sale,” or “targeted advertising” under certain U.S. privacy laws, even when no money is exchanged.
Your controls	You may access, correct, delete, download, restrict, opt out, object, appeal, or control certain processing as provided by applicable law and product settings.
Minors	The Services are not intended for children under 13. Teens may
	receive additional protections, and UMERGE should use ageappropriate design and consent flows before enabling teenfacing features.

Term	Meaning
Personal Information / Personal Data	Information that identifies, relates to, describes, can reasonably be linked to, or could reasonably identify an individual or household, depending on applicable law.
Sensitive Personal Information	Information that may include precise geolocation, government ID, racial or ethnic origin, religious or philosophical beliefs, political opinions, union membership, health information, biometric identifiers, sexual orientation, immigration status, financial account credentials, or other data treated as sensitive under law.
Civic Action	A vote, poll response, petition signature, boycott participation, fundraiser donation, campaign action, protest/walkout/strike RSVP, comment, share, repost, live room participation, civic badge, report, or other engagement with civic or community content.
Civic Score	A UMERGE reputation or trust signal that may consider participation, verification, community contributions, safety signals, and platform rules. It is not a credit score, employment score, housing score, insurance score, government eligibility score, or official voting record.
Public Content	Content, profile information, interactions, civic actions, or other information that you choose to make public or that is public by feature design.
Processor / Service Provider	A vendor or partner that processes personal information for UMERGE under contractual restrictions.
Controller / Business	An entity that determines the purposes and means of processing personal information. For most UMERGE consumerfacing Services, UMERGE CORP is the controller/business.

Purpose	Examples
Provide and operate the Services	Create accounts, authenticate users, display profiles, publish content, enable searches, operate feeds, process civic actions, host live rooms, enable messaging, process donations, send notices, provide support, and maintain the platform.
Personalize and recommend	Rank feeds, recommend posts, people, organizations, issues, actions, petitions, fundraisers, policies, events, live rooms, and communities based on your activity, settings, location, follows, and interests.
Civic Score and trust systems	Calculate, display, explain, and update reputation or trust signals based on participation, verification, positive contributions, moderation history, safety reports, and other signals disclosed by product notices.
Safety, integrity and moderation	Detect spam, bots, manipulation, fake accounts, coordinated inauthentic activity, harassment, threats, fraud, misinformation patterns, platform abuse, payment abuse, and violations of policies.
Verification and compliance	Verify accounts, organizations, fundraisers, candidates, nonprofits, locations, age, identity, payout eligibility, tax information, and compliance obligations.
Communications	Send service messages, security alerts, updates, newsletters, marketing communications, campaign notifications, event reminders, push notifications, and support responses.
Payments and fundraising	Process donations, payments, refunds, chargebacks, payouts, receipts, tax forms, fraud screening, and records required by law or processor rules.
Advertising and measurement	Show and measure ads, sponsored content, promoted civic campaigns, attribution, conversion tracking, audience analytics, frequency capping, fraud prevention, and ad performance where enabled.
Research and improvement	Improve product design, accessibility, safety, ranking,
	recommendations, moderation, performance, user experience, market research, surveys, and business strategy.
Legal and rights protection	Comply with law, respond to lawful requests, enforce terms, protect rights and safety, investigate misuse, defend claims, preserve evidence, and complete corporate transactions.

Type	Examples	Controls
Strictly necessary	Login, security, load balancing, fraud prevention, form submission, consent storage, payment session management.	Usually required; cannot be disabled without impairing Services.
Functional	Preferences, language, remembering settings, improved user experience.	May be controlled in settings or browser.
Analytics/performance	Usage measurement, app performance, crash analytics, heatmaps, conversion analytics.	May require consent or opt-out depending on jurisdiction.
Advertising/targeting	Personalized ads, retargeting, lookalike audiences, ad measurement, frequency capping.	May require consent or opt-out; may be considered sale/share/targeted advertising.

Recipient	Examples
With other users and the public	Public profiles, public content, public civic actions, comments, signatures if public, organizer pages, public fundraiser details, live room activity, badges, and other information you choose to make visible.
With service providers/processors	Hosting, cloud infrastructure, databases, storage, CDN, analytics, payments, identity verification, communications, moderation, security, customer support, CRM, email, SMS, app analytics, and similar vendors under contractual restrictions.
With payment and donation partners	Payment processors, banks, payout providers, tax providers, fraud prevention vendors, and fundraising partners as needed to process transactions and comply with obligations.
With advertising and measurement partners	Ad platforms, analytics partners, attribution partners, and measurement providers if enabled, subject to opt-outs and applicable law.
With organizations or administrators	If you join an organization, event, private group, managed community, or partner-sponsored feature, administrators may see certain activity, membership, content, analytics, or profile
	information.
With legal, safety and compliance recipients	Law enforcement, regulators, courts, government authorities, emergency responders, rights holders, legal advisors, auditors, insurers, and other parties when legally required or necessary to protect rights, safety, and security.
With corporate transaction parties	Potential or actual investors, acquirers, lenders, merger partners, successors, advisors, or other parties involved in financing, diligence, restructuring, merger, acquisition, sale, bankruptcy, or transfer of assets.

Category	Examples	Sources	Uses	Retention
Account & profile	Name, username, email, phone, photo, bio, preferences, settings	User; social login; admin	Account, personalization, communications, security	Account life plus retention needs
Content	Posts, comments, images, videos, audio, live streams, captions, hashtags	User; devices; other users	Publishing, recommendations, moderation, analytics	Until deleted or no longer needed
Civic actions	Votes/polls, petition signatures, fundraisers, event RSVPs, endorsements, badges	User; platform activity	Civic features, analytics, integrity, public display	Feature-specific; legal/compliance needs
Messages	Direct/group messages, attachments, metadata, reports	User; recipients	Messaging, safety, support, abuse prevention	Account life or featurespecific limits
Location	Approximate/precise location, district, region, location tags	Device; user; IP; verification	Local civic content, district insights, safety	As needed; precise location minimized
Verification	Email/phone verification, ID checks, org docs, business/nonprofit/candidate docs	User; vendors; public records	Authenticity, trust, compliance, anti-fraud	Strict limits; longer for fraud/legal records
Payments/donations	Transaction amount, processor ID, receipts, refunds, payout/tax records	User; processor; bank	Transactions, compliance, fraud, accounting	Legal/accounting retention periods
Device & usage	IP, device IDs, logs, app activity, crash data, cookies	Automatic; vendors	Security, analytics, personalization, ads	Limited periods; aggregate where possible
Inferences & scores	Interests, recommendations, Civic Score factors, safety signals	Platform activity; models	Ranking, trust, safety, personalization	Updated over time; retained as needed

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Privacy Policy

Table of Contents

1. Overview and Scope

2. Quick Summary

3. Key Definitions

4. Who Controls Your Information

5. Eligibility and Age Rules

6. Information You Provide

6.1 Account, Profile and Identity Information

6.3 Communications and Support

6.4 Payment, Donation and Commerce Information

7. Information We Collect Automatically

8. Information From Third Parties

9. Sensitive Information and Civic/Political Data

10. How We Use Information

11. AI, Recommendations, Civic Score and Automated Processing

11.1 Feed and Recommendation Systems

11.3 Automated Decisions

11.4 AI Interactions

12. Public Content, Public Civic Actions and Search Visibility

13. Location, District and Community Data

14. Contacts, Invitations and Social Graph Features

15. Payments, Donations and Fundraising

16. Messages, Live Rooms, Calls and Community Features

17. Cookies, SDKs, Pixels and Similar Technologies

18. Advertising, Targeted Advertising and Measurement

19. Analytics, Research, Surveys and Aggregated Data

20. How We Share Information

21. Third-Party Services and Integrations

22. International Transfers

23. Retention

24. Security

25. Your Privacy Choices and Controls

26. U.S. State Privacy Rights

27. California Notice at Collection

28. GDPR/UK GDPR/International Privacy Rights

29. Children and Teens

30. Account Closure, Deletion and Appeals

31. Data Incident Notice

32. Changes to This Policy

Annex A – Data Category Matrix

Annex B – Vendor and Processor Matrix