Terms of Service

About us

We’re Ramp Network and we provide services that allow you to seamlessly exchange fiat currency for digital assets (via our On-Ramp service). You’ll need your own digital asset wallet to use Ramp - we don’t provide this for you. For more information on Ramp Network, please see our website: https://ramp.network/.

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How we’re regulated

We’re registered in the US with FINCEN as a money services business and in the UK with the FCA as a cryptoasset service provider business.

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Eligibility

To use Ramp, you’ll need to meet our eligibility criteria. That means being old enough, satisfying all our KYC (Know-Your-Customer)  and AML (Anti-Money Laundering) requirements and not being sanctioned or located in a sanctioned country. Check out the full list of criteria below.‍

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Fees

You can access our Transaction Fees here.

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Using Ramp

To use Ramp, you must comply with certain requirements. This includes making sure you provide Ramp with the correct digital asset wallet address and that the digital asset wallet is solely under your control. All transactions are final and irreversible. Ramp is under no obligation to issue a refund for any reason.

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Support

You can check out our FAQs page here. For anything else, we’re here to help - just drop us a line at support@ramp.network.

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No advice

None of the information we provide on our website or as part of the Services is or should be treated as financial advice. We’re not affiliated with any digital asset offered for sale and trading in assets is at your own risk. You should make sure you’ve done your own due diligence and speak to a financial advisor before making investment decisions.

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Things you need to know

Blockchain transactions are irreversible and non-refundable and prices of digital assets go up and down. Your Blockchain  Wallet Address and certain data will be displayed permanently and publicly. You agree to relinquish any right of rectification or to the erasure of personal data, which is not possible on most Blockchain networks.

1. About us

Who we are

Hello, we’re Ramp Network ( referred to as “Ramp”,”we”, “us”, “our”) and our Services allow you to seamlessly exchange digital assets for Fiat currency.

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US customers

If you’re based in the United States, you’re entering into these Terms with Ramp Swaps LLC, a US limited liability company, with its registered office address 8 The Green, STE B, Dover, County of Kent, DE 19901 (Ramp US).

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Non-US customers

If you’re based anywhere else, its Ramp Swaps Ltd, a company incorporated in England and Wales under company number 11850124 with its registered office at Fourth Floor, Verse Building, 18 Brunswick Place, London N1 6DZ. (Ramp Global).

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How we’re registered

Ramp US is registered with FINCEN as a money services business. Ramp Global is registered with the UK FCA as a cryptoasset business. Neither Ramp US or Ramp Global trade in regulated securities or assets. For non-US customers, you should be aware that the Financial Ombudsman Service and the Financial Services Compensation Scheme don’t apply to our Services.

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2. About the services

Services

We offer two services which allow you to:

• On-Ramp. Buy Digital Assets using Fiat currency.
• Off-Ramp. Sell your Digital Assets for Fiat currency.

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Accessing the Services

Ramp US is registered with FINCEN as a money services business. Ramp Global is registered with the UK FCA as a cryptoasset business. Neither Ramp US or Ramp Global trade in regulated securities or assets. For non-US customers, you should be aware that the Financial Ombudsman Service and the Financial Services Compensation Scheme don’t apply to our Services.

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Cool off

Where a cool off period applies, you consent to us beginning the supply of the digital content before the end of that 14 day period and you waive any right to cancel that you may have under applicable  law.

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3. Eligibility and proof of identity

Eligibility criteria

You can only sign-up for and use the Services if you:

• are at least 18 years old,
• satisfy all of our due diligence, “know-your-customer” and anti-money laundering requirements,
• are not prevented by law or regulation from using the Services in your jurisdiction, and
• are not a resident or citizen of any jurisdiction under US, UK or EU sanctions and are not personally sanctioned by the US, UK or EU which include, but are not limited to the countries of Iran, North Korea, Sudan, Syria, Cuba and Russia (the” Eligibility Criteria”).

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Ramp is subject to AML, KYC, and U.S. sanction requirements under the Bank Secrecy Act (“BSA”), Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act (“USA PATRIOT Act”), and the Office of Foreign Assets Control (“OFAC”).

Under applicable AML and OFAC rules, Ramp  is obligated to maintain certain information about you, including User records and transaction history, for five years , or a longer period as may be required under applicable laws. Under certain circumstances, Ramp may be required to report to the competent authorities of any unusual transactions, or of any suspicion it may have that you  might be involved in any financial crime or illicit activity.

Ramp is required to comply with applicable AML and KYC requirements at all times. In furtherance of our AML/ KYC compliance programs, we reserve the right to require you to provide documentation and information, including but not limited to, copies of your government-issued identification documents such as a passport or a driver's licence. Ramp may also require you to provide your Social Security Number in order to use the Services as reasonably necessary for Ramp to effectuate a background check prior to authorizing you  to use the Services, or at any point thereafter.

Ramp may also gather and use information about you from third parties, to help us confirm your identity, perform our AML/KYC checks and/or determine your access to the Services. You represent and warrant at all times that any and all information provided by you to us is true, accurate, and not misleading in any respect. If any such information changes, it is your obligation to provide the new information to us as soon as practicable following such change.

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You agree that you will not grant any person access to the Services by using your credentials as granting access may violate applicable laws and regulations. You further agree that you will not use a VPN or other similar devices to access the Services where it is prohibited by law.

Ramp, as an FCA registered cryptoasset business, is subject to the requirements of the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (“MLRs”). Under the applicable rules, Ramp is obligated to obtain adequate information at all times to  prevent financial crime including money laundering and terrorist financing. Under certain circumstances, Ramp may be required to obtain additional information to allow us to meet our AML obligations and comply with the reporting obligations of the MLRs. The Financial Ombudsman Service or the Financial Services Compensation Scheme do not apply to the crypto asset activities carried out in the UK.

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4. How it works

Using Ramp

To use the Services, you simply need to fill out a form which provides all the information we need to complete your transaction (or “Order”).

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How it works

Here’s how it works:

Your responsibilities

You are solely responsible for ensuring that:

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If you don’t, we’re not responsible or liable to you for any loss you suffer as a result, including but not limited to your loss of fiat money, Digital Assets, or investment opportunities.

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Ramp will display to  you the Blockchain Wallet  Address to which the Digital Assets will  be transferred based on information obtained either from you or the host application you used to launch the widget.  You are obliged to verify whether the displayed  Blockchain Wallet Address that has been disclosed in the application is the correct one. You are obligated to provide a Digital Asset address that is owned by you and is under your full control and authorisation, to which Digital Assets will be transferred. You represent that the Blockchain Wallet  Address is solely under your control. You are obligated to verify whether a transfer of Digital Assets may be successfully effectuated to the Blockchain Wallet Address that you have provided  to Ramp. Certain digital  wallet providers may impose limits to that respect, which may result in the Digital Assets being released by Ramp but not accepted to the digital wallet. In the event that this occurs, Ramp will not be liable and the service will be considered rendered.

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Inaccurate Data

Ramp is not responsible for any inaccuracy in the data provided by you. You are obliged to check all the information before submitting it to Ramp. Blockchain transactions are irreversible and Ramp will not be able to reverse any transactions already executed in case you made a mistake in the provided data or instruction. Ramp is under no obligation to provide you with a refund or compensation of any sort for erroneous transactions caused by your input of inaccurate data.

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Blockchain Data

Blockchain transactions are irreversible, and any information stored in  the Blockchain will remain publicly viewable and immutable for an indefinite period of time. Your Blockchain Wallet Address and certain data will be displayed permanently and publicly. You agree to relinquish any right of rectification or to the erasure of personal data, which is not possible on most Blockchain networks.

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Use of third parties

We use third party exchanges and payment systems to settle your Orders. We’re not responsible or liable for any delay or errors made by them. We’re also not responsible for the consequences of any limits set by your or any third party wallet providers.

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Trades

Trades made for purposes of Ramp’s execution of your Order are usually settled using Blockchain and online payment systems (for the transfer of Fiat). Ramp does not provide a settlement platform on its own and is not liable for any errors or delays in the functioning of settlement systems.

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Limits on Orders

We may impose certain limits on the minimum or maximum number of trades you can enter into in a given time. We can set and change these limits at our discretion.

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Cancelling Orders

We reserve the right to cancel your Order, without advance notice to you, if we don’t receive the correct purchase price from you in time. In the event that an Order is canceled because we don’t receive the correct purchase price from you in time, you may be required at Ramp’s discretion to bear the costs of resending Fiat money to you. For purposes of clarity,  the price paid needs to be exactly equal to the purchase price indicated by Ramp.

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5. Refunds

On-Ramp Service

You must carefully enter and review all order details, including the quantity and our offered price, prior to submitting your order. 

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Ramp will present you with pricing for your On-Ramp Order. If you accept the pricing displayed and submit the order, this constitutes your acceptance of the pricing displayed for the Digital Asset for which you submitted the order. If you do not accept the pricing displayed, you may elect and are under no obligation to  proceed with submitting the Order. You agree and acknowledge that if you are effectuating a bank transfer for purposes of placing an Order, Ramp shall recalculate the pricing based on the new market price of the Digital Asset for which you have placed an Order. You further acknowledge and agree that this may cause an decrease or increase in the market price of your Order. 

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Ramp is under no obligation to provide refunds to orders which were placed using inaccurate data entered by you as further outlined in Section 4 of these Terms of Use. Once you submit your Order, you are bound to the terms of that Order. You may not, and we are not obligated to, cancel, reverse or change any order once it has been submitted.

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You acknowledge that due to the irreversible nature of cryptocurrency transactions, your Order can’t be canceled once it has been processed or completed. You further acknowledge that Ramp shall not help or refund you if you’ve sent your cryptocurrency to the wrong wallet address, as we don’t have any control over your wallets or any address you send your cryptocurrency to.

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Off-Ramp Service

You must at all times accurately enter the quantity of the Digital Asset you are seeking to trade via Off-Ramp Service prior to submitting your Order. Failure to accurately enter the quantity of Digital Asset may result in an Order Failure. For purposes of clarity, this means that if you over declare or under declare the quantity of the Digital Asset you are sending to us for purposes of Off-Ramp Service, this may result in an Order Failure causing Ramp to refund you, minus any applicable network fees. Failure to accurately enter the quantity of Digital Asset may also result in Ramp adjusting the Order amount to match the amount of Digital Assets that were to Ramp. However, Ramp reserves the right not to provide this adjustment and opt to refund you, minus any applicable network fees. 

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If you delete your payout method after submitting an Off-Ramp Order, Ramp reserves the right to proceed with the Order to the payout method entered in the absence of written notice to Ramp that you would like to cancel the Off-Ramp Order or you have written to Ramp that you would like to change your payout method.

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You must at all times complete an Off-Ramp Order request via our Ramp Site. In the event that you send Digital Assets without completing an Order request via our Ramp Site, Ramp shall not issue you a refund for any reason and those funds will be permanently and irreversibly lost.

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YOU ACKNOWLEDGE AND AGREE that if you send Digital Assets from a blockchain network that we do not support or you attempt to send a Digital Asset that is not eligible for Off-Ramp Service, this will result in either permanent loss of the Digital Asset or an Order Failure. In the event of an order failure for this reason, Ramp shall refund you, minus any applicable network fees. 

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YOU ACKNOWLEDGE AND AGREE that if your bank or financial institution prohibits, blocks, or limits crypto-related transactions, this shall result in an Order Failure causing Ramp to refund you, minus any applicable network fees. 

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Inability to Complete Order 

In the event that Ramp is not able to complete your Order for any reason (such as price movement, market latency, compliance check failure,  inability to find a counterparty for your transaction, or order size), we may refund your Order. In the event of an Order Failure relating to certain compliance check failures, we may have a legal obligation not to refund the order and are under no obligation to disclose the specific reason for our election not to refund the order. 

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Pending Orders

You acknowledge and agree that your Order may be pending for several hours. Ramp shall not be obligated to issue a refund due to pending Orders. Reasons for delays include but are not limited to additional verification checks for compliance purposes, blockchain network congestion or ther blockchain network related issues which fall outside the scope of our control.

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6. Your Obligations

Representations and warranties

You represent and warrant to us when you enter these Terms and on an ongoing basis:

• you meet the Eligibility Criteria,
• any information you provide to us is true and accurate,
• you comply with all applicable laws and regulations when using the Service.
• you have full lawful ownership of the payment accounts and wallets you’re transferring to and from,  

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• you will not engage in any activity, directly or indirectly, that would cause us to be in violation of any laws, rules, and regulations applicable to you and us, including but not limited to (i) any applicable laws designed to fight the funding of terrorism and money laundering (including but not limited to the anti-money laundering and anti-terrorism laws, rules), and (ii) economic sanctions programs of the United States, United Nations, Canada, European Union, or the United Kingdom, or of any other countries where you have informed by us in writing that you conduct business.

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• you will not access or use the Services to engage in activities relating to gambling or similar games of chance, 
• you will not access or use the Service for purposes of accessing, streaming or downloading pornographic content of any kind.

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You further understand that you are solely liable for any legal claim, any financial penalties and/or other liability of Ours arising thereof, and will compensate and following notice by us will reimburse us within 14 days all costs, including, but not limited to: legal consulting expenses, court costs, fines, financial penalties and expenditure on disputes. You will promptly notify us in writing at legal@ramp.network if you learn that you have engaged in any activity in material violation of the foregoing laws, rules, or regulations.

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Use restrictions

When using the Services, you must behave lawfully and not breach these Terms  in any way. In particular, you agree that you won’t:

• use the Services for anything unlawful, criminal, harmful or fraudulent,
• access, store, distribute or transmit viruses, malicious code or other harmful technologies,
• expropriate data or do anything that infringes the intellectual property rights of a third party,
• reverse engineer, copy, modify, data scape, automate or re-sell any part of the Services,
• use someone else’s email address to access the Services or allow anyone else to access the Services using your email address,
• use any automated system to send more request messages to our servers than a human can reasonably produce in the same period or put an unreasonably large load on our infrastructure, and
• use the Services to exchange Digital Assets that are regulated securities, derivatives or financial instruments.

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Unauthorised access

You must tell us immediately if there has been any unauthorised access to your Ramp account or data by emailing support@ramp.network. We won’t be liable for any loss you suffer of any kind and this includes a loss  as a result of you giving access to your account to anyone else or for any other incidents which derive from access to your account for any reason.

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PAYMENT AND FEES

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What we charge

We charge you the price to buy or sell your Digital Assets plus the following fees (Fees):

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You can find out how much our fees are here.

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Taxes

You are responsible for complying with applicable law. You agree that Ramp is not responsible for determining whether or which laws may apply to your transactions, including tax law. You are solely responsible for reporting and paying any taxes arising from your use of the Services.

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Disclosure

We will make all reasonable efforts to let you know the conversion rate and how much you’ll be charged in Fees for each before you enter into a trade.

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7. Term, Termination & Suspension

Term

These Terms start when you access and use the Services and continue to apply until terminated by either you or us.

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When we can terminate or suspend your access

We can immediately suspend your access to and use of the Services or terminate these Terms without advance notice or liability to you if:

• you no longer meet the Eligibility Criteria,
• you breach these Terms,
• you don’t pay our Fees, or
• we’re instructed or required to do so by a governmental body, law or regulation.

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Please be aware that at any time, Ramp, subject to its sole discretion, is entitled to terminate your access to the Services, including Ramp’s right to: refuse processing, cancel and reverse any transaction, regardless of if corresponding funds have been debited from your payment method; suspend, restrict or terminate a Ramp user.

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Consequences of our suspension or termination

If you’ve initiated an Order or trade before we terminate or suspend your access, we’ll return the relevant Fiat currency or Digital Assets to you unless law or regulation doesn’t allow us to. Anything in these Terms which is intended to survive termination - including your indemnity, taxes, warranty disclaimers, IP, and governing law  - will remain in force.

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8. Confidentiality

Mutual obligations

Each party agrees to keep all confidential and sensitive information shared by the other party secure and confidential for the duration of these Terms, and only use the other’s confidential information in order to fulfill the purpose of these Terms.

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Sharing confidential information

A party may share the other’s confidential information with its officers, Affiliates, employees, contractors, members, representatives, professional advisors, agents and subcontractors ( the “Permitted Receivers”) on a need-to-know basis provided they are committed in writing to confidentiality obligations similar to what is set out in these Terms. Each party is liable for any act or omission of its Permitted Receivers that would constitute a breach of this Agreement if it were a party to it.

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Obligations on termination

Each party must take reasonable steps to destroy or erase any confidential information it holds from the other party within 30 days of the owner’s request, except that copies of confidential information may be retained if they are securely stored in archival or computer back-up systems and if necessary to meet legal or regulatory obligations.

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9. Intellectual Property

All intellectual property rights in Ramp and the Services are owned by us and remain owned by us. You’re not allowed to reproduce or store any part of Ramp, our Services or marks in any way without our prior written permission which we may deny for any given reason.

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10. Data Protection

We comply with all applicable data protection laws at all times and only use your personal data to provide you with the Services. Check out our Privacy Policy for full details on what we collect, why we need it and how we look after it.

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11. Disclaimers

Warranty disclaimer

RAMP SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY UNDER THESE TERMS AND TO THE EXTENT ALLOWED BY APPLICABLE LAW ALL EXPRESS OR IMPLIED CONDITIONS, REPRESENTATIONS, AND WARRANTIES INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, OR ARISING FROM A COURSE OF DEALING, USAGE, OR TRADE PRACTICE, OR WARRANTY OF NON-INFRINGEMENT ARE DISCLAIMED.

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IN NO EVENT SHALL RAMP, ITS AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES, CONTRACTORS,  OR REPRESENTATIVES, BE LIABLE  FOR ANY LOST PROFITS, DIMINUTION IN VALUE OR BUSINESS OPPORTUNITY, ANY LOSS, DAMAGE, CORRUPTION OR BREACH OF DATA OR ANY OTHER INTANGIBLE PROPERTY OR ANY SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH AUTHORIZED OR UNAUTHORIZED USE OF THE RAMP SERVICES OR THESE TERMS, EVEN IF AN AUTHORIZED REPRESENTATIVE OF RAMP HAS BEEN ADVISED OF OR KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.

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RAMP MAKES NO REPRESENTATIONS ABOUT THE ACCURACY, ORDER, TIMELINESS OR COMPLETENESS OF HISTORICAL OR CURRENT ELIGIBLE DIGITAL ASSETS PRICE DATA AVAILABLE THROUGH THE RAMPS SERVICES. RAMP WILL MAKE REASONABLE EFFORTS TO ENSURE THAT REQUESTS FOR TRANSACTIONS ARE PROCESSED IN A TIMELY MANNER BUT RAMP  MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE AMOUNT OF TIME NEEDED TO COMPLETE PROCESSING (WHICH IS DEPENDENT UPON MANY FACTORS, INCLUDING THOSE OUTSIDE OF OUR CONTROL), AND RAMP SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHICH YOU MAY INCUR AS A RESULT OF ANY DELAY IN THE PROVISION OF THE SERVICES.

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12. Liability

Liability we can’t exclude

We don’t exclude liability for fraud, death or personal injury caused by negligence, or anything which cannot be excluded by law.

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Exclusions

We’re not liable for:

• loss which isn’t reasonably foreseeable, including any indirect or consequential losses,
• loss of data, funds, Digital Assets or any losses you suffer as a result of price fluctuations, inaccuracies in price information given in relation to Digital Assets or non-availability of Digital Assets, and
• Force Majeure: loss resulting from anything outside of our reasonable control, which includes anything any third party does or fails to do, including third party exchanges, token issuers and/or wallet providers, delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophe or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions.

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In no event shall you have any recourse, whether by setoff or otherwise, with respect to our obligations, to or against any assets of any person or entity other than Ramp, including, without limitation, any member, shareholder, Affiliate, investor, employee, officer, director, agent or advisor of Ramp.

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Limitation on liability

Our liability for any claim brought under these Terms is limited to the Fees paid by you in the 12 months directly before the claim.

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Written notification of errors

Pursuant to the  information published in Ramp's FAQ's, all claims of EFT Errors should be addressed in writing to support@ramp.network and include the following relevant information: user identification such as name and associated email account, the time and date when the error occurred, specific information regarding the alleged error.

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Liability of Third Parties. Ramp is not liable for the actions of any third party. You acknowledge and understand that issuers of certain digital assets may become insolvent or restructure and that this may cause extreme volatility and loss related to digital assets issued by those providers. Ramp bears no connection to any third party token issuer and is not liable for any insolvency proceedings and damage in connection, either directly or indirectly, caused by those insolvency proceedings in any jurisdiction or any court. You further acknowledge and understand that there have been increasing insolvency proceedings among digital asset platforms which may impact access to the digital assets that are held in wallets and or accounts which are provided by those platforms. Your purchase of digital assets should be made after careful care and consideration and your own personal research. Ramp makes no representations in regards to dealing with digital assets

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13. Indemnity

You agree to indemnify and hold harmless Ramp and its Affiliates, and their respective employees, managers, officers, directors, partners and shareholders from any losses, damages, suits and expenses, of whatever kind, including reasonable legal fees and the costs of any trades (e.g. any Network Fees) that we incur in connection with or arising out of your access to or use of the Services, or our activities in connection with such Services, and for your breach of these Terms or violation of any law, regulation, order or other legal mandate, or the rights of a third party, or any act or omission by you or any person acting on your behalf while using the Services, regardless of whether the specific use was expressly authorized by you.

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14. Other Important Information

Nobody else has any rights under these Terms

These Terms are a contract between you and us. No other person shall have any rights to enforce any of its terms.

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Even if we delay in enforcing this contract, we can still enforce it later

If we don’t immediately insist that you do something you are required to do under these Terms, or if we delay in taking steps against you in respect of your breach, we can still do so later on.

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Severability

If any provision in these Terms found to be unenforceable, that provision shall be severed with the remainder of these Terms remaining in full force and effect.

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Entire Agreement

These Terms constitute a complete and exclusive agreement between you and Ramp. In the event of inconsistency or discrepancy between the Terms and any other document accompanying it, the Terms shall prevail.

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Governing law and jurisdiction

Unless expressed otherwise or inadmissible by law, these Terms and all documents and contractual rights and obligations arising in relation to the Services,  are governed by the Governing Law and the courts of the Jurisdiction have exclusive jurisdiction to hear disputes in connection with them.

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Complaints

If you have any questions or a complaint about Ramp or the Services, drop us a line at support@ramp.network.

1. Disputes, Binding Individual Arbitration, and Class Actions and Class Arbitrations Waivers

A. Disputes

The Terms of this Section shall apply to all Disputes between you and Ramp. For the purposes of this Section, “Dispute” shall mean any dispute, claim, or action between you and Ramp arising under or relating to the Services and  the Ramp platform, these Terms, or any other transaction involving you and Ramp, whether in contract, warranty, misrepresentation, fraud, tort, intentional tort, statute, regulation, ordinance, or any other legal or equitable basis, and shall be interpreted to be given the broadest meaning allowable under law.

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B. Binding Arbitration

You and Ramp further agree: (i) to arbitrate all Disputes between the parties pursuant to the provisions in these Terms; (ii) these Terms memorialize a transaction in interstate commerce; (iii) the Federal Arbitration Act (9 U.S.C. § 1, et seq.) governs the interpretation and enforcement of this Section; and (iv) this Section shall survive termination of these Terms. ARBITRATION MEANS THAT YOU WAIVE YOUR RIGHT TO A JUDGE OR JURY IN A COURT PROCEEDING AND YOUR GROUNDS FOR APPEALS ARE LIMITED. The arbitrator may award you the same damages and relief as a court sitting in proper jurisdiction could, and may award declaratory or injunctive relief. In addition, in some instances, the costs of arbitration could exceed the costs of litigation and the right to discovery may be more limited in arbitration than in court. The decision of the arbitrator shall be final and enforceable by any court with jurisdiction over the parties.

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C. Small Claims Court

Notwithstanding the foregoing, you may bring an individual action in the small claims court of your state or municipality if the action is within that court’s jurisdiction and is pending only in that court.

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D. Dispute Notice.

In the event of a Dispute, you or Ramp must first send to the other party a notice of the Dispute that shall include a written statement that sets forth the name, address and contact information of the party giving it, the facts giving rise to the Dispute, and the relief requested (the “Dispute Notice”).

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Content of Dispute Notice

The Dispute Notice should include: your name, and email address; and the details of your complaint; and, where appropriate or required by us:address, and/or ‘telephone number; and/or; the transaction reference number; and/or; the name and title of the employee, agent or officer; and/or; any documents or other evidence you wish to rely on as proof. Making an inquiry is generally not subject to these requirements, but our ability to answer inquiries may be dependent on your providing us with additional relevant information and/or data. You can only make complaints on behalf of yourself and not on behalf of other customers, unless the circumstances require it.

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The Dispute Notice to Ramp must be addressed to: Ramp LLC at legal@ramp.network or to the most recent email or mailing address we have on file or otherwise in our records for you (the “Ramp Notice Addresses”). Any Dispute Notice response to you shall be delivered by one of the communication channels you have provided Ramp, which may include email or other electronic transmission, and you agree that such a delivery of a Dispute Notice to you shall be sufficient. Should you require obtaining a Dispute Notice by any other communication channel, you must inform Ramp of such a requirement in writing. Following submission and receipt of the Dispute Notice, you and Ramp each agree to act in good faith to seek to resolve the Dispute before commencing arbitration. If Ramp and you do not reach an agreement to resolve the Dispute within thirty (30) days after the Dispute Notice is received, you or Ramp may commence an arbitration proceeding pursuant to this Section.

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E. Waiver of class actions and class arbitrations

YOU AND RAMP AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER PARTY ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, INCLUDING WITHOUT LIMITATION FEDERAL OR STATE CLASS ACTIONS, OR CLASS ARBITRATIONS. ACCORDINGLY, UNDER THE ARBITRATION PROCEDURES OUTLINED IN THIS SECTION, AN ARBITRATOR SHALL NOT COMBINE OR CONSOLIDATE MORE THAN ONE PARTY’S CLAIMS WITHOUT THE WRITTEN CONSENT OF ALL AFFECTED PARTIES TO AN ARBITRATION PROCEEDING. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, YOU AND RAMP AGREE THAT NO DISPUTE SHALL PROCEED BY WAY OF CLASS ARBITRATION WITHOUT THE WRITTEN CONSENT OF ALL AFFECTED PARTIES.

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F. Arbitration Procedure

If a party elects to commence arbitration, the arbitration shall be governed by the rules of the American Arbitration Association (“AAA”) that are in effect at the time the arbitration is initiated (the “AAA Rules”), available at https://www.adr.org/Rules or by calling 1-800-778-7879, and under the rules set forth in these Terms, except that AAA may not administer any multiple claimant or class arbitration, as the parties agree that the arbitration shall be limited to the resolution only of individual claims. If there is a conflict between the AAA Rules and the rules set forth in these Terms, the rules set forth in these Terms shall govern. You may, in arbitration, seek any and all remedies otherwise available to you pursuant to federal, state, or local laws. All Disputes shall be resolved by a single neutral arbitrator, and both parties shall have a reasonable opportunity to participate in the selection of the arbitrator as provided in the AAA Rules. The arbitrator is bound by these Terms. The arbitrator, and not any federal, state or local court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability or formation of these Terms, including, but not limited to, any claim that all or any part of these Terms is void or voidable. The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The arbitrator’s award shall be binding on the parties and may be entered as a judgement in any court of competent jurisdiction. You may choose to engage in arbitration hearings by telephone or by video conference. Hearings in any arbitration commenced by you that are not conducted by telephone or video conference shall take place in New York, New York, unless there is a location in the continental United States more convenient to you, in which case the arbitration shall take place either in New York, New York, or such other location in the continental United States, at your option.

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F. Initiation of Arbitration Proceeding

If either you or Ramp decide to arbitrate a Dispute, we agree to the following procedure:

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1. Write a Demand for Arbitration. The demand must include a description of the Dispute and the amount of damages sought to be recovered. You can find a copy of a Demand for Arbitration at https://www.adr.org/Forms?practice=all (“Demand for Arbitration”).
2. Send one copy of the Demand for Arbitration, plus the appropriate filing fee, to:
   American Arbitration Association
   Case Filing Services
   1101 Laurel Oak Road, Suite 100
   Voorhees, NJ 08043
   
   OR
   File online using AAA WebFile at https://www.adr.org
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   OR
   File at any of the AAA’s offices.
3. Send one copy of the Demand for Arbitration to the other party at the same address as the Dispute Notice, or as otherwise agreed to by the parties

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Hearing Format

In all hearing formats, the arbitrator shall issue a written decision that explains the essential findings and conclusions on which an award, if any, is based. During the arbitration, the amount of any settlement offer made by Ramp or you shall not be disclosed to the arbitrator.

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Exclusive Venue for Proceedings in Connection with Arbitration

Ramp and you agree that any proceeding to compel arbitration, confirm an award, or to seek interim or other relief in aid of arbitration, may be filed only in the competent state or federal courts located in New York County, New York.

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Notice to california residents

This notice is pursuant to the California Consumer Privacy Act. Under this Act, you have a right to ask Ramp about our data collection practices and your privacy-related rights under California law. We will comply with all  requests required under law.

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Deletion Rights

Subject to certain exceptions, you have the right to request that we delete any of your personal information that we collected from you and retained.

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Non-Discrimination

We recognize and respect that you have the right to not receive discriminatory treatment by the business for exercising any of your CCPA rights.

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Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above as a California resident, please submit a verifiable consumer request to us by contacting us as  at legal@ramp.network.

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Use of an Authorized Agent to Submit a Request

Only you or a person you formally authorize to act on your behalf, may make a verifiable consumer request related to your personal information as a California consumer.  If you use an authorized agent to submit such a request, we will require written proof that the authorized agent has been authorized to act on your behalf or a copy of the power-of-attorney document granting that right.