Welcome to JAM ID. These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and the entity operating JAM ID ("JAM ID," "we," "us," or "our"). These Terms govern your access to and use of the JAM ID platform, including the JAM ID Wallet, the iJAM Coin, our websites, mobile applications, application programming interfaces (APIs), software development kits (SDKs), and all related services (collectively, the "Services").

By accessing, using, or interacting with the Services, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you may not access or use the Services.

1. Description of Services

JAM ID provides a decentralized digital identity layer that allows users to create, store, and manage verifiable credentials ("Credentials") within a user-controlled digital wallet (the "JAM ID Wallet"). The Services are designed to replace repetitive identity verification processes, enabling Users to prove their identity to third-party services ("Verifiers") securely and with minimal data disclosure. The ecosystem is powered by the JAM ID utility Coin ("iJAM Coin").

2. Eligibility and Account Security

• Eligibility: To use the Services, you must be at least 18 years of age or the age of legal majority in your jurisdiction.
• Family Integration: The Services may offer features for parents or legal guardians to create and manage profiles for their minor children. If you use these features, you represent and warrant that you are the legal parent or guardian of the child and that you accept these Terms on the child's behalf. You are solely responsible for monitoring and controlling the child's use of the Services, including any linked payment methods like the JAM ID Visa card.
• Account Registration: You must provide accurate, current, and complete information during the verification and registration process. You are responsible for maintaining the accuracy of this information.
• Security: You are solely responsible for the security of your JAM ID Wallet, including your private keys, passwords, and any other access credentials. You understand that the self-sovereign nature of the JAM ID Wallet means that if you lose your private keys, you may permanently lose access to your Credentials and any iJAM Coins held within. JAM ID does not store and cannot recover your private keys.

3. The iJAM Coin

• Utility Only: The iJAM Coin is a utility coin designed solely for use within the JAM ID ecosystem. Its functions include paying for transaction fees, credential activations, vendor subscriptions, and participating in the rewards system.
• Not an Investment: You acknowledge and agree that the iJAM Coin is not a security, investment product, or financial instrument. Holding iJAM Coins does not grant you any equity, ownership rights, profit-sharing claims, or voting rights in JAM ID or any related entity.
• Risk: You understand and accept the risks associated with utility Coins, including price volatility, market risks, regulatory changes, and technical risks. JAM ID does not guarantee the value or liquidity of the iJAM Coin. All acquisitions and uses of iJAM Coins are at your own risk.

4. User Conduct and Responsibilities

• Engage in any fraudulent, deceptive, or illegal activity, including money laundering, terrorist financing, or identity theft.
• Provide false, inaccurate, or misleading information during the identity verification process.
• Infringe upon the intellectual property rights of JAM ID or any third party.
• Attempt to reverse-engineer, decompile, or otherwise access the source code of the Services.
• Introduce any viruses, malware, or other harmful code to the platform.
• Interfere with the security or integrity of the network or any other user's experience.
• Use the "Accountable Anonymity" feature for any unlawful purpose. While this feature allows for pseudonymous interaction, you acknowledge that a court-traceable link to your verified identity exists and may be accessed pursuant to a valid legal order.

You are solely responsible for complying with all applicable laws and regulations in your jurisdiction, including those related to digital identity, data privacy, and the use of cryptographic Coins.

5. Third-Party Services and Partners

The Services may integrate with or provide links to third-party platforms, applications, and services (e.g., ticketing platforms, insurance providers, real estate services). Your use of these third-party services is subject to their own terms and privacy policies. JAM ID is not responsible for the content, security, or practices of any third-party service and provides these integrations for convenience only. Any dispute you have with a third-party Verifier is between you and that third party.

6. Intellectual Property Rights

All rights, title, and interest in and to the Services, including all software, text, graphics, logos, and trademarks, are the exclusive property of JAM ID and its licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services strictly in accordance with these Terms.

7. Disclaimers and No Warranties

The services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We disclaim all warranties, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the services will be uninterrupted, secure, or error-free. We also do not guarantee that the JAM ID platform will reach any projected milestones or capabilities. All forward-looking statements in the whitepaper or other materials are not guarantees of future performance.

8. Limitation of Liability

To the fullest extent permitted by law, in no event will JAM ID, its directors, employees, partners, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of, or inability to access or use, the services;
• Any conduct or content of any third party on the services;
• Any loss of your private keys or access credentials;
• Any unauthorized access, use, or alteration of your credentials or data.

9. Indemnification

You agree to defend, indemnify, and hold harmless JAM ID and its affiliates, officers, directors, and employees from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from your use of and access to the Services, or your violation of any term of these Terms.

10. Termination

We reserve the right to suspend or terminate your access to the Services at our sole discretion, without prior notice, for any reason, including but not limited to a breach of these Terms. You may stop using the Services at any time. Upon termination, all licenses and rights granted to you in these Terms will immediately cease.

11. Governing Law and Dispute Resolution

These Terms shall be governed by the laws of [Insert Governing Jurisdiction], without regard to its conflict of law provisions.

Any dispute, controversy, or claim arising out of or relating to these Terms shall be resolved through binding arbitration in accordance with the rules of [Insert Arbitration Association, e.g., the American Arbitration Association]. The arbitration shall take place in [Insert City, Jurisdiction], and the language of the arbitration shall be English.

12. General Provisions

• Entire Agreement: These Terms constitute the entire agreement between you and JAM ID regarding the Services and supersede all prior agreements.
• Changes to Terms: We may modify these Terms at any time. We will provide notice of any material changes by updating the "Effective Date" at the top of these Terms and/or through other communication channels. Your continued use of the Services after such changes constitutes your acceptance of the new Terms.
• Severability: If any provision of these Terms is held to be invalid or unenforceable, that provision will be struck, and the remaining provisions will remain in full force and effect.

Contact Information

For any questions about these Terms, please contact us at: johnissamail@gmail.com