TERMS OF USE

Effective Date: 11/3/2025

Welcome to Barr Management, LTD. DBA Associated Currency Exchanges (“we,” “us,” or “our”). These

Terms of Use (“Terms”) govern your access to and use of www.assoc-cx.com (the “Site”), our digital

marketing services (“Services”), and any related apps or tools. By accessing the Site or using Services,

you agree to these Terms. If you are entering on behalf of a business, you represent authority to bind it.

1. Changes to Terms

We may modify these Terms at any time. Changes will be posted on this page with an updated effective

date except in the event of an urgent situation, such as preventing abuse, harm, or responding to legal

requirements. Continued use after changes constitutes acceptance.

2. Eligibility

You must be at least 13 years old (or the minimum age required in your jurisdiction) to use the Service.

By using the Service, you represent that you meet this requirement. Why 13?

3. User Accounts

The permission given to you for access and use continues as long as you:

• You are responsible for maintaining the confidentiality of your account credentials.

• Notify us immediately of any unauthorized use.

• You’re responsible for activity under your account.

• You also agree that our Privacy Policy applies to your use of access and service.

We may suspend or terminate accounts for violations of these Terms.

4. User Content

• You retain ownership of content you submit (“User Content”).

• By submitting, you grant us a perpetual, royalty-free license to use, modify, and display it for

marketing (anonymized where possible).

• You are solely responsible for your User Content and represent that it does not violate third-

party rights or laws. Ensure it’s legal and non-infringing.

5. Prohibited Conduct

You agree not to:

• Use the Site or Service for illegal purposes, in violation of all applicable laws.

• Upload viruses, malware, or harmful code.

• Harass, threaten, or defame others.

• Scrape, spider, or automate access without permission.

• Use for spam, malware, or unauthorized commercial purposes.

• Interfere with the Site or Service’s operation, or bypass our systems or protective measures.

• Violate the rights of others, including privacy and intellectual property rights.

• Accessing our services in a fraudulent or deceptive way.

We grant a limited, non-exclusive, revocable license for personal use. No resale or commercial

exploitation without written consent.

6. Intellectual Property

• The Site and Service (excluding User Content) is owned by us and protected by copyright,

trademark, and other laws.

• You may not copy, modify, or create derivative works, or distribute without our written consent.

7. Third-Party Links & Services

Our Site links to external sites (e.g., social media, ad platforms). We are not responsible for their content

or privacy practices—review theirs before sharing data.

8. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS

OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,

OR NON-INFRINGEMENT.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BARR MANAGEMENT, LTD. DBA ASSOCIATED CURRENCY

EXCHANGES SHALL ONLY BE LIABLE FOR ITS BREACHES OF THESE TERMS, IT SHALL NOT BE LIABLE FOR

INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR

DATA, EVEN IF ADVISED OF THE POSSIBILITY.

10. Indemnification

You agree to indemnify and hold harmless Barr Management, LTD. DBA Associated Currency Exchanges

its affiliates, and personnel from any claims arising from your use of the Site or Service or violation of

these Terms.

11. Termination

We may suspend or terminate your access at any time, with or without cause or notice. Upon

termination, your right to use the Service ceases immediately. Upon termination, obligations (e.g.,

payments) survive.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of The State of Illinois, without regard to conflict of law rules. Any

disputes shall be resolved exclusively in the courts of Cook County, Illinois, and Barr Management LTD.

d/b/a Associates Currency Exchanges, and you hereby consent to the personal jurisdiction of the Court.

13. Miscellaneous

• Severability: If any provision is unenforceable, the remainder remains in effect.

• Entire Agreement: These Terms constitute the entire agreement.

• Contact: Questions → question@barrmgmt.com .