Buyer Purchase Terms

These Buyer Purchase Terms (the "Agreement") are between RUBA GLOBAL LLC, a New Jersey limited liability company with its registered office at 99 Green Grove Ave, Keyport, New Jersey 07735 ("Ruba", "we", "us", or "our"), and the person completing a purchase through Ruba Checkout ("Buyer", "you", or "your").

This Agreement governs each purchase, subscription, and other Transaction you complete through Ruba Checkout. By affirmatively accepting this Agreement and submitting an order, you agree to it electronically. If you do not agree, do not submit the order.

Important: Ruba is the seller and Merchant of Record for each Transaction. The Seller identified at checkout owns, develops, supplies, fulfills, and supports the Product. Section 3 explains these separate roles.

Arbitration notice: Section 16 contains a binding individual arbitration agreement and class-action waiver. Arbitration replaces the right to have a covered dispute decided by a judge or jury in court. You may opt out as described in Section 16.8.

Definitions

In this Agreement:

"Buyer" means a person who purchases a Product from Ruba through Ruba Checkout.

"Card Network" means a payment card network such as Visa, Mastercard, American Express, or Discover.

"Chargeback" means a payment dispute, reversal, retrieval, or similar process initiated by a Buyer, issuing institution, Card Network, acquirer, or Payment Processor.

"Intellectual Property Rights" means all patent, copyright, trademark, trade-secret, design, database, moral, publicity, and other intellectual-property or proprietary rights, whether registered or unregistered, together with applications, renewals, and extensions of those rights.

"Merchant of Record" means Ruba's role as the seller to the Buyer for a Transaction, including charging the Buyer in Ruba's name and administering the associated payment, transaction documentation, applicable Transaction Taxes, refunds, and Chargebacks under the agreements governing the Transaction.

"Network Rules" means the applicable rules, standards, operating regulations, and requirements of Card Networks, acquirers, and Payment Processors.

"Payment Processor" means a regulated payment, acquiring, payout, banking, fraud, or related financial-service provider used to support the Services.

"Product" means approved software, software-as-a-service, an API, a digital download, a license key, digital content, a subscription, or another digital offering that Ruba has expressly approved for resale, including approved integration, implementation, or support fees that are secondary to that offering. An individual freelancer may sell an approved Product. A Product does not include physical goods, donations, crowdfunding, or an offering whose principal purchased value is consulting, custom design or development, agency work, coaching, managed technical support, or another manually fulfilled human service, or any prohibited or restricted offering, unless Ruba expressly approves it in writing.

"Product Information" means the information a Seller provides about a Product, including its description, functionality, pricing, billing interval, fulfillment method, tax classification, support terms, refund eligibility, cancellation method, legal restrictions, and associated websites or applications.

"Product Support" means fulfillment, delivery, access, maintenance, technical support, warranty service, and other support relating to the Product itself.

"Product Terms" means an end-user license agreement, terms of use, or other Product-specific terms that the Seller makes available and that govern your access to or use of the Product.

"Ruba Checkout" means the checkout interface made available by Ruba through which Buyers may purchase Products using the payment methods actually displayed at checkout.

"Seller" means the person or entity identified in Ruba Checkout as the Product's supplier, developer, creator, or licensor.

"Services" means Ruba Checkout and the transaction, payment, subscription, tax, receipt, refund, Chargeback, and related services Ruba provides to Buyers under this Agreement.

"Transaction" means a completed sale of a Product by Ruba to a Buyer through Ruba Checkout.

"Transaction Taxes" means sales tax, use tax, value-added tax, goods and services tax, and similar indirect transaction taxes charged on a Transaction. Transaction Taxes do not include income, business, payroll, property, or other direct taxes.

"Transactional Support" means first-tier support concerning Ruba Checkout, payment status, receipts, refunds, cancellations, and Chargebacks.

"Website" means Ruba's website at https://getruba.com.

1. Related Documents and Transaction Disclosures

1.1. This Agreement includes the Product, price, currency, billing interval, trial terms, refund eligibility, and other transaction-specific disclosures displayed to you in Ruba Checkout before you submit an order.

1.2. A Seller may make separate Product Terms available before or after purchase. Product Terms govern your license, access to, and use of the Product only to the extent you affirmatively accept them or they otherwise form a valid agreement under applicable law. They do not change Ruba's role as seller, authorize the Seller to charge or refund you outside Ruba, or override this Agreement concerning checkout, payment, Transaction Taxes, receipts, subscriptions, cancellations, refunds, or Chargebacks. A conflict concerning those subjects is controlled by this Agreement and the disclosures shown in Ruba Checkout.

1.3. Ruba's Privacy Notice explains how Ruba processes personal data. It is a notice and does not reduce rights or obligations under this Agreement or applicable law.

1.4. Ruba's Refund, Cancellation, and Dispute Policy (the "Refund Policy") forms part of this Agreement and explains the procedures Ruba uses to administer refund requests, subscription cancellations, billing errors, and Chargebacks. If the Refund Policy conflicts with this Agreement, this Agreement controls. A transaction-specific disclosure that expressly grants you a more favorable refund or cancellation right will be honored, and applicable law controls to the extent it cannot lawfully be varied.

2. Eligibility, Authority, and Acceptance

2.1. To submit an order, you represent that you have legal capacity to enter into this Agreement and are permitted to make the purchase under applicable law. If you purchase for an entity, you represent that you have authority to bind that entity, and "you" and "Buyer" refer to the entity.

2.2. You must provide the contact, billing, tax-location, payment, and other information that Ruba Checkout identifies as required for the Transaction. Optional fields may be left blank, but any information you provide must be complete, accurate, and current. You must not use another person's identity, account, or payment method without lawful authorization.

2.3. You are responsible for Transactions you knowingly authorize and for safeguarding Buyer accounts, access links, and credentials within your control. To the maximum extent permitted by law, Ruba is not responsible for unauthorized access caused solely by your intentional disclosure of an access link or credential to an unauthorized person. This does not make you responsible for an unauthorized charge merely because a credential or payment method was compromised, and it does not limit Ruba's responsibility for its own conduct or your rights under Section 9 or applicable law.

2.4. Your electronic acceptance has the same effect as a handwritten signature. Ruba may retain records of your acceptance, including the date, time, order, document version, and technical information associated with the acceptance.

2.5. If a Product is unavailable in your location, restricted by law or Network Rules, or not approved for sale, Ruba may refuse or cancel the order. If Ruba cancels an order after collecting payment and no amount is lawfully due for a completed or partially fulfilled Transaction, Ruba will refund the applicable collected amount.

3. Ruba's Role and the Seller's Role

3.1. For each Transaction, Ruba is the seller and Merchant of Record in relation to you. You purchase the Product from Ruba, and Ruba is responsible for Ruba Checkout, charging you, issuing Ruba's transaction documentation, providing Transactional Support, and administering applicable Transaction Taxes, refunds, and Chargebacks as provided in this Agreement.

3.2. The Seller remains the owner, developer, supplier, or authorized licensor of the Product and is responsible for the accuracy of Product Information, Product fulfillment, Product Support, Product warranties it expressly offers, and the Product's compliance with applicable law.

3.3. Transaction documentation may identify the Seller and display the Product name or the Seller's name and marks. That identification does not change Ruba's role as the seller and Merchant of Record for the Transaction.

3.4. The Seller may recommend pricing and refund treatment, but the final amount shown in Ruba Checkout and Ruba's administration of payments, Transaction Taxes, refunds, and Chargebacks are governed by this Agreement, applicable law, Network Rules, and Ruba's agreement with the Seller.

4. Orders and Contract Formation

4.1. The Product Information and price displayed before you submit an order are an invitation to place an order, not a guarantee that Ruba will accept it. By selecting the purchase button, you offer to buy the Product on the terms displayed in Ruba Checkout and this Agreement.

4.2. You may review and correct the information shown in Ruba Checkout before submitting the order. After submission, Ruba may request additional information or authentication needed to authorize the payment, prevent fraud, calculate Transaction Taxes, or comply with law.

4.3. A binding Transaction is formed when Ruba successfully confirms payment and sends or displays an order confirmation, unless the confirmation states that the order remains pending. Delivery or activation of the Product is performance of that Transaction; it is not a separate condition required for the contract to exist.

4.4. Ruba may reject or cancel an order before acceptance because of payment failure, suspected fraud, inaccurate information, Product unavailability, pricing or technical error, legal restriction, Network Rules, or a requirement of a Payment Processor. Ruba may correct an obvious error before acceptance. Ruba will not charge a rejected order, although a temporary authorization placed by a financial institution may remain until that institution releases it.

5. Prices, Payments, and Transaction Taxes

5.1. Before you submit an order, Ruba Checkout will display the amount Ruba will charge, the transaction currency, and any Transaction Taxes or other charges that Ruba is required to disclose separately. The final amount may include Transaction Taxes in the displayed price or add them before confirmation, depending on the applicable jurisdiction and checkout presentation.

5.2. You authorize Ruba and its Payment Processors to charge the payment method you select for the amount displayed at checkout and, for a subscription, the recurring amounts authorized under Section 7. You represent that you are authorized to use that payment method.

5.3. Ruba Checkout supports only the payment methods actually displayed to you. Your financial institution may impose currency-conversion, international-transaction, overdraft, or other charges under its agreement with you. Those institution-imposed charges are not collected or controlled by Ruba.

5.4. A Payment Processor may process payment credentials and require authentication under its own legally applicable terms and privacy notice. Ruba remains responsible to you for its obligations as seller under this Agreement and does not disclaim those obligations merely because it uses a Payment Processor.

5.5. Ruba may issue receipts, invoices, tax documents, and billing notices electronically to the email address associated with your order or Buyer account. You must keep that information accurate and promptly notify support@getruba.com of a material error.

5.6. You remain responsible for Transaction Taxes that applicable law requires the Buyer to pay and that Ruba is not required to collect. Ruba does not provide tax advice, and the tax treatment of your purchase may depend on your location, status, and use of the Product.

6. Delivery, Access, and Support

6.1. The Product Information or order confirmation will describe the applicable delivery or access method. Delivery may occur through an account, link, file, license key, access credential, integration, or other electronic method.

6.2. You are responsible for providing a working email address and for securing the accounts, devices, credentials, and links used to access the Product. You must promptly report suspected unauthorized access.

6.3. The Seller provides Product Support. Ruba provides Transactional Support. Contact support@getruba.com for checkout, payment, receipt, refund, cancellation, or Chargeback questions. Product-specific support instructions may be shown in the Product Information, order confirmation, receipt, or Buyer portal.

6.4. If the Product is not delivered or materially differs from the Product Information, contact Ruba and the Seller promptly with the order information and a description of the issue. Ruba may investigate, require the Seller to provide fulfillment or Product Support, replace access, suspend the Product, or issue a full or partial refund as appropriate under Section 8, Network Rules, and applicable law.

7. Subscriptions, Trials, and Automatic Renewal

7.1. If you buy a subscription, Ruba Checkout will disclose before you submit the order the recurring price, currency, billing interval, whether the subscription renews automatically, any trial or promotional period, and how to cancel. By submitting the order, you expressly authorize Ruba and its Payment Processors to charge the selected payment method at the disclosed intervals until the subscription is canceled or otherwise ends.

7.2. A subscription automatically renews for the interval disclosed at checkout unless you cancel it before the next renewal charge. You may cancel through the Buyer portal or another cancellation method Ruba makes available, including by contacting support@getruba.com. Ruba will acknowledge or confirm cancellation as required by applicable law. Cancellation procedures are described in the Refund Policy.

7.3. Unless checkout states otherwise or applicable law requires a different result, cancellation stops future renewal charges and takes effect at the end of the then-current paid billing period. You retain access through that period, subject to this Agreement and the Product Terms. Cancellation does not itself create a right to a refund for an amount already charged.

7.4. If a trial or promotional period converts to a paid subscription, the conversion date and recurring price will be disclosed before enrollment. You must cancel before the disclosed conversion time to avoid the first paid charge. Ruba will provide reminders or renewal notices where applicable law requires them.

7.5. Ruba may change a subscription price only prospectively. Ruba will provide advance notice of a material price increase and obtain affirmative consent where required by applicable law. If you do not agree, you may cancel before the new price applies.

7.6. If a recurring payment fails, Ruba or a Payment Processor may retry it as permitted by law and Network Rules. Ruba may suspend Product access while an amount remains unpaid and may cancel the subscription if payment is not completed. Ruba will not charge an amount that you did not authorize merely because an earlier charge failed.

8. Refunds and Mandatory Consumer Rights

8.1. Refund eligibility may be disclosed in Ruba Checkout or the Product Information. For a Product problem, you may first contact the Seller using the Product Support information provided with the Product. You may request a refund directly from Ruba by following the Refund Policy and contacting support@getruba.com with the order information and reason for the request. A Seller may submit or recommend a refund through the Services, but must not directly collect or return payment outside Ruba for a Transaction completed through Ruba.

8.2. Ruba administers refund requests based on the checkout disclosures, the nature and delivery status of the Product, information supplied by you and the Seller, evidence of use or access, Network Rules, fraud or abuse indicators, and applicable law. Ruba may issue a full or partial refund or deny a request where permitted by those terms and law.

8.3. A refund may be denied where the Product was delivered as described and no disclosed refund right or mandatory legal right applies, or where the request involves fraud, material misuse, or duplicate recovery. Ruba will not deny or restrict a refund, cancellation, warranty, Chargeback, or other remedy that applicable law makes mandatory.

8.4. Approved refunds are returned to the original payment method where practicable. Processing time is controlled in part by the Payment Processor and your financial institution. Transaction Taxes will be refunded or adjusted to the extent required by applicable law.

8.5. Nothing in this Agreement waives a consumer guarantee, cooling-off right, statutory warranty, cancellation right, or remedy that cannot lawfully be waived in your jurisdiction.

9. Billing Errors, Chargebacks, and Duplicate Recovery

9.1. Follow the billing-error and Chargeback procedures in the Refund Policy and contact support@getruba.com promptly if you do not recognize a charge, were charged an incorrect amount, did not receive the Product, or believe a refund or cancellation was processed incorrectly. Contacting Ruba first is encouraged but is not a condition to exercising a non-waivable right with your financial institution or a government authority.

9.2. You retain Chargeback and billing-error rights provided by applicable law, Network Rules, and your agreement with the issuing institution. Ruba may provide the institution with order, consent, payment, delivery, access, support, and communication records relevant to a dispute.

9.3. You must provide truthful information and must not knowingly seek duplicate recovery for the same amount through a refund, Chargeback, insurer, Payment Processor, or other channel. If you receive duplicate recovery, Ruba may reverse a duplicative Ruba-issued credit where permitted by law.

9.4. A refund or Chargeback may result in suspension or termination of the corresponding Product access or subscription to the extent permitted by law and the Product Terms. A Chargeback does not by itself waive either party's rights concerning the underlying Transaction.

10. Product Licenses and Intellectual Property

10.1. A purchase gives you the right to access or use the Product; it does not transfer ownership of the Product or its Intellectual Property Rights. The Seller and its licensors retain ownership of the Product. Ruba and its licensors retain ownership of the Services, Ruba Checkout, Ruba's documentation, and Ruba's names, logos, trademarks, and other materials.

10.2. Your Product license is governed by the Product Terms and the license scope disclosed with the Product. If no separate Product Terms or license scope is provided, you may use the delivered copy or access solely for the ordinary personal or internal business purpose reasonably indicated by the Product Information, subject to applicable law.

10.3. You must not copy, resell, sublicense, distribute, make publicly available, circumvent access controls for, or reverse engineer a Product or the Services except to the extent expressly permitted by the Product Terms, the Product's applicable open-source license, Ruba's written authorization, or non-waivable law.

10.4. Material expressly distributed under an open-source license remains governed by that license. This Agreement does not take away rights that the applicable open-source license expressly grants.

10.5. To report alleged copyright infringement involving material available through Ruba, email dmca@getruba.com or mail: Copyright Notices, RUBA GLOBAL LLC, 99 Green Grove Ave, Keyport, New Jersey 07735. A notice should identify the copyrighted work, the material and its location, the complaining party's contact information, a good-faith statement that the disputed use is unauthorized, a statement under penalty of perjury that the notice is accurate and the sender is authorized to act, and a physical or electronic signature. Misrepresentations in a notice or counter-notice may create legal liability.

11. Acceptable Use and Third-Party Services

11.1. You must not use Ruba Checkout, the Services, or a Product to violate law; commit fraud; infringe another person's rights; evade sanctions, taxes, access controls, or security measures; distribute malware; interfere with systems or users; conceal your identity for unlawful purposes; or facilitate activity prohibited by applicable law or Network Rules.

11.2. You must not scrape, probe, disrupt, overload, copy, frame deceptively, or attempt unauthorized access to Ruba Checkout, the Services, non-public systems, accounts, credentials, or data. You must not falsely imply endorsement by Ruba or use Ruba's names or marks without authorization.

11.3. A Product may interoperate with or link to a third-party service. That third party may impose separate terms and process data under its own notice. Ruba is not the provider of an independently operated third-party service, but this sentence does not exclude liability Ruba has under this Agreement or non-waivable law.

12. Privacy and Data

12.1. The Privacy Notice explains the personal data Ruba collects, why Ruba uses and discloses it, the parties with whom it may be shared, applicable retention practices, and available privacy rights.

12.2. Ruba may share information with the Seller as necessary to fulfill and support the Product, prevent fraud, handle a Transaction, or comply with law, as described in the Privacy Notice. The Seller may separately control personal data it collects through the Product or receives for fulfillment and Product Support and must provide its own legally required privacy notice. Ruba is responsible for Ruba's processing of personal data, and the Seller is responsible for the Seller's independent processing. To the maximum extent permitted by law, Ruba is not responsible for a Seller's independent use of personal data outside Ruba's instructions or control. This does not limit Ruba's responsibility for Ruba's own processing, disclosures, instructions, or conduct, or any responsibility that applicable law does not permit Ruba to exclude.

12.3. Do not submit sensitive information through Ruba Checkout or Product-support channels unless it is requested for a lawful, disclosed purpose and the relevant channel is intended to receive it.

13. Suspension, Cancellation, and Termination

13.1. Ruba may reject, restrict, suspend, or terminate an order, Product access administered through Ruba, subscription, Buyer account, or use of the Services where:

• payment is declined, reversed, refunded, subject to a Chargeback, or overdue;

• Ruba reasonably suspects fraud, unauthorized activity, security risk, or material misuse;

• you materially breach this Agreement or applicable Product Terms;

• the Seller stops providing the Product or Ruba's authority to resell it ends;

• the Product or activity violates law, Network Rules, or Ruba's product-eligibility requirements; or

• Ruba is required or requested to act by law, a court, regulator, Payment Processor, Card Network, or other financial institution.

  13.2. Where legally permitted and reasonably practicable, Ruba will provide notice and a general reason. Ruba may act without advance notice where needed to prevent fraud, security harm, unlawful activity, further unauthorized charges, or violation of a third party's rights, or where notice is prohibited.

  13.3. Suspension or termination does not erase rights or obligations arising from a completed Transaction. Ruba will administer any refund, continued access, data export, or other remedy required by the checkout disclosures, Product Terms, or applicable law.

  13.4. Sections concerning accrued payments, refunds, Chargebacks, duplicate recovery, Intellectual Property Rights, privacy, limitations of liability, records, dispute resolution, and general terms survive to the extent reasonably necessary to fulfill their purpose.

14. Disclaimers and Limitation of Liability

14.1. To the maximum extent permitted by law, the Services are provided "as is" and "as available." Ruba disclaims implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. The Seller, not Ruba, develops and provides Product Support for the Product. Ruba does not warrant that a Product or the Services will be uninterrupted, error-free, compatible with every system, or suitable for a purpose not expressly agreed in writing.

14.2. Section 14.1 does not exclude an express promise Ruba makes in Ruba Checkout or transaction documentation, an express Product warranty made by the Seller, or a consumer guarantee, statutory warranty, or other right that cannot lawfully be excluded.

14.3. To the maximum extent permitted by law, neither you nor Ruba is liable to the other for indirect, incidental, special, exemplary, punitive, or consequential damages, or for lost profits, revenue, business opportunities, goodwill, or data, arising from this Agreement, even if advised that such damages were possible. This exclusion generally concerns losses resulting from secondary effects rather than the immediate loss caused by an alleged breach. It does not exclude proven direct damages merely because a claim arises under this Agreement. Depending on the facts and applicable law, potential direct damages may include an incorrect charge or a refund that Ruba was contractually or legally required but failed to issue. This exclusion also does not prevent Ruba from recovering an authorized unpaid charge, duplicate recovery received by a Buyer, or proven immediate loss caused by a Buyer's fraud, knowing misuse, unauthorized access, or infringement of Intellectual Property Rights. These examples are not exhaustive; whether a loss is direct or indirect depends on the facts and applicable law. Direct damages recoverable from Ruba remain subject to Sections 14.4 and 14.5.

14.4. To the maximum extent permitted by law, Ruba's total aggregate liability arising from the same or related events under this Agreement will not exceed the amount you paid to Ruba for the affected Product during the six months preceding the event giving rise to the claim. This is one combined cap for all claims arising from those events, not a separate cap for each legal theory or claim. There is no separate minimum-dollar liability floor. This Section limits Ruba's liability to you; it does not cap an authorized amount you owe Ruba or your liability for the conduct identified in Section 14.5.

14.5. Sections 14.3 and 14.4 do not limit liability for fraud, willful misconduct, gross negligence, death or personal injury caused by negligence, or liability that cannot lawfully be limited. They do not limit your obligation to pay an authorized charge or your liability for fraud, knowing misuse, infringement of Intellectual Property Rights, unauthorized access, or duplicate recovery.

14.6. Some jurisdictions do not permit particular warranty disclaimers, damage exclusions, or liability limits. In those jurisdictions, this Section applies only to the maximum extent permitted, and mandatory consumer rights remain available.

15. Changes and General Terms

15.1. Ruba may update this Agreement prospectively. An update does not retroactively change the terms governing a completed one-time Transaction. For an active subscription, Ruba will provide reasonable advance notice of a material change and obtain affirmative consent where required by law. If you do not agree, you may cancel before the change applies.

15.2. This Agreement, the Refund Policy, the disclosures identified in Section 1.1, and any Product Terms that validly apply are the entire agreement concerning the Transaction. They supersede prior statements on that subject. If Product Terms conflict with this Agreement, Section 1.2 controls.

15.3. You may not assign this Agreement without Ruba's prior written consent. Ruba may assign it to an affiliate or to a successor in connection with a merger, reorganization, financing, or sale of all or substantially all of the relevant business or assets, provided the assignment does not reduce a non-waivable consumer right.

15.4. Neither party is liable for delay or failure caused by circumstances beyond its reasonable control, including natural disasters, war, civil unrest, governmental action, telecommunications or utility failures, labor disputes, cyberattacks, and failures of financial or infrastructure providers. The affected party must use commercially reasonable efforts to limit the effect and resume performance. This provision does not authorize an unagreed charge or excuse a refund, cancellation, delivery obligation, or other remedy that applicable law makes mandatory.

15.5. A waiver must be in writing and authorized by the party giving it. It may be a private, case-specific notice or agreement and does not need to be added to this public Agreement. It applies only to the particular obligation, breach, event, and period identified in the writing. A delay, silence, or one-time waiver does not waive the same or another right in the future.

15.6. If a provision is unenforceable, it will be modified to the minimum extent necessary or severed without affecting the remainder, subject to the arbitration-specific rule in Section 16.10. Rights and remedies are cumulative. A Seller is not a third-party beneficiary of this Agreement merely because it supplied the Product.

15.7. Legal notices to Ruba must be sent to legal@getruba.com. Ruba may send notices to the email address or Buyer account associated with your Transaction. Email notice is effective when sent, except where applicable law requires another method. Notices relating to formal legal proceedings must also comply with applicable procedural law.

15.8. The parties may execute and accept this Agreement electronically. Electronic records and signatures are admissible to the same extent as other records and signatures, subject to applicable law.

16. Governing Law and Dispute Resolution

16.1. You may contact support@getruba.com to seek an informal resolution before filing a claim. Doing so is optional and does not shorten a limitation period or prevent you from seeking urgent relief, contacting a government authority, or exercising a non-waivable right.

16.2. This Agreement is governed by the laws of the State of New Jersey, without regard to conflict-of-law rules. If you are a consumer, this choice does not take away a protection that the law of your place of residence makes non-waivable. The Federal Arbitration Act governs the interpretation and enforcement of Sections 16.3 through 16.10.

16.3. Agreement to individual arbitration and waiver of court and jury trial: Except for matters described in Section 16.7, you and Ruba agree that any dispute arising out of or relating to this Agreement, a Transaction, Ruba Checkout, or the Services, including a dispute about the formation, interpretation, enforceability, or termination of this Agreement, will be resolved by binding individual arbitration. Arbitration is a private process before a neutral arbitrator instead of a lawsuit in court. By agreeing to arbitration, you and Ruba each knowingly give up the right to have a covered dispute decided by a judge or jury in court.

16.4. The arbitration will be administered by JAMS under the JAMS Consumer Arbitration Minimum Standards and the JAMS Streamlined Arbitration Rules and Procedures then in effect, as applicable. It will be conducted in English by one neutral arbitrator. The hearing may be conducted remotely or at a location reasonably convenient for you, unless the parties agree otherwise. The arbitrator may award any individual remedy that a court could award and must issue a reasoned written decision.

16.5. Fees will be allocated under the applicable JAMS rules, consumer minimum standards, and law. Ruba will pay arbitration fees that applicable law or the JAMS consumer minimum standards require Ruba to pay. Ruba will not seek its attorneys' fees from a consumer unless the arbitrator determines that the claim was frivolous or brought for an improper purpose and applicable law permits the award.

16.6. Class-action waiver: To the maximum extent permitted by law, you and Ruba may bring claims in arbitration only in an individual capacity and not as a plaintiff, claimant, or class member in a class, collective, consolidated, private-attorney-general, or representative arbitration. The arbitrator may award relief only to the individual party and only to the extent necessary to resolve that party's claim. This Section does not prevent an individual from seeking public injunctive relief where applicable law makes that right non-waivable.

16.7. Either party may bring an eligible individual claim in small-claims court. Either party may ask a court for temporary or preliminary relief needed to protect the status quo while arbitration is pending. Ruba may ask a court to prevent actual or threatened unauthorized access, security harm, or infringement or misappropriation of Intellectual Property Rights. Nothing in this Agreement prevents you from reporting a matter to or seeking relief from a government agency where applicable law permits it.

16.8. You may opt out of Sections 16.3 through 16.6 by emailing legal@getruba.com within 30 days after your first Transaction. Your notice must identify you, the email address used for the Transaction, and the order or Transaction, and must clearly state that you opt out of arbitration. Ruba will not penalize you for a timely opt-out. Opting out does not affect the remaining provisions of this Agreement.

16.9. If you timely opt out or a claim is not subject to arbitration, the state and federal courts located in New Jersey have exclusive jurisdiction, except that either party may bring an eligible claim in small-claims court and a consumer may bring a claim in another court where a non-waivable law permits it. Each party consents to personal jurisdiction in the applicable court.

16.10. If a restriction in this arbitration agreement is unenforceable for a particular claim or remedy, it will be severed or modified only to the minimum extent necessary, and the remainder will continue to apply. If Section 16.6 is finally held unenforceable for a particular claim or remedy, that claim or remedy will be decided by a court after all arbitrable claims are resolved, unless applicable law requires a different order. A class-action waiver will not be enforced outside arbitration except to the extent applicable law expressly permits it.

Contact

RUBA GLOBAL LLC
99 Green Grove Ave
Keyport, New Jersey 07735
Legal notices and Agreement questions: legal@getruba.com
Transactional Support: support@getruba.com