Welcome to Mosaic. These Terms of Use (“Agreement”) constitute an agreement between MIG INC., and anyone accessing our Site. Anyone who accesses our Site is considered a User, whether they register or not. Please read this whole Agreement before accessing our Site. By using this website (the “Site”) and services (together with the Site, the “Services”) offered by MIG INC. (together with its parents, subsidiaries, affiliates, agents, representatives, consultants, employees, officers, and directors — collectively, “Mosaic,” “we,” or “us”), you’re agreeing to these legally binding rules (the “Terms”) in effect on the date of use of this Site which may be modified at any time without notice to you. You’re also agreeing to our Privacy Policy and agreeing to follow all other operating rules, policies and procedures that may be published by Mosaic from time to time on the Site, each of which is incorporated by reference and each of which may be updated by Mosaic from time to time without notice to you.

You agree to access the information on the Site solely for the purpose of evaluation of prospective opportunities on the Site. Please also note that the Terms are in addition to any other agreements between you and Mosaic, including any customer or account agreements, and any other agreements that govern your use of products, services, content, tools, and information available on the Site. This Agreement does not alter in any way the terms or conditions of any other agreement you may have with MIG INC., or its subsidiaries or affiliates, for the Service or otherwise. If you do not agree to all the terms of this Agreement and/or Mosaic’s Privacy Policy, you are not eligible to participate in Mosaic’s Service or otherwise use this Site.

Each time you access our Site you are agreeing to the following terms:

1.  Types of Content

As used in this Agreement, "Content" means, collectively, the text, data, graphics, images, scripts, photos, video files, audio files, and all meta data made available through the Site, regardless of who created or uploaded the Content. Unless modified, the term Content refers to all Content, including but not limited to the following categories of Content:

“User Content” means, collectively, the Content which you and other users of our Site (“Users”) upload to the Site, and which is intended to be visible to others. Mosaic is under no obligation to allow User Content. We reserve the right to remove and permanently delete any third-party Content from the Site without notice. Unless otherwise specified, MEX does not pre-screen, edit, or fact-check User Content.

“Company Content” means content created by companies (posters, platforms and other intermediaries) and which is displayed on our Site, or information about companies that is displayed on our Site. Unless otherwise specified, Mosaic does not pre-screen, edit or fact-check Company Content. Substantially all of the information about Posters is “Company Content” as it is created by the Posters or their agents.

“Mosaic Content” means the Content we create and upload to the Site.

“Third-party Content” means Content created by a third party that we, or a third party with our consent, upload to the Site. We reserve the right to remove and permanently delete any third-party Content from the Site without notice. Unless otherwise specified, Mosaic does not pre-screen, edit or fact-check third-party Content.

“User Registration Information” means the information which you submit when you register including your email address, screen name or other information. This information is also covered by our Privacy Policy, and by the terms of set forth herein.

2.  Eligibility for Use of the Services

The Service is only available to individuals who are at least eighteen years old. You represent and warrant that if you are an individual, you are at least 18 years old, that you are fully able and competent to enter into the terms and conditions set forth in this and other agreements on the Site, and that all registration information you submit is truthful, accurate and complete. If you are accessing the Site and/or using the Services on behalf of an entity, such as your employer or a company you work for or control, you warrant and represent that you have the legal authority to bind that entity to these Terms of Use.

3.  User Profile

You must complete the registration process by providing us with current, complete and accurate information. You are solely responsible for updating any and all pertinent registration information. Failure to do so shall constitute a breach of the Terms, which may result in immediate termination of your Profile. You will also choose a password and a user name. Mosaic reserves the right in our sole discretion to refuse registration of or cancel a User Name, and domain name. You are solely responsible for maintaining the confidentiality of your password and Profile. You agree to notify Mosaic immediately in writing of any unauthorized use of your Profile or any other breach of security. You will not share your password, let anyone else access your Profile, or do anything else that might jeopardize the security of your Profile. You will not transfer your Profile to anyone. You acknowledge and agree that you are liable for any damages or losses to Mosaic and other Users by any use of your Profile, either authorized or unauthorized.

You agree that your Profile will be self-directed and that you are solely responsible for all decisions, instructions, and activity placed in your Profile. Although the Site may provide data, information or Third-Party Content, Company Content or Mosaic Content relating to investment strategies and/or opportunities to buy and/or sell securities, you should not interpret any Content as tax, legal, financial, or investment advice by us or a recommendation by us to invest in any opportunity (“Opportunity”) posted on the Site. Any decision to act shall be based solely on your own consideration and analysis of the risks involving a particular Opportunity and is made at your own risk. You acknowledge and agree that you are solely responsible for determining the suitability of any action or strategy and accept the risks associated with such decisions, which include the risk of total loss of capital. We have no special relationship with or fiduciary duty to you and your use of the Site or the Services does not create such a relationship. You agree and acknowledge that you are responsible for conducting your own legal, accounting and other due diligence review of the investment opportunities posted on the Site. You are strongly advised to consult a licensed legal professional and investment advisor for any legal, tax, insurance, or investment advice as the Site does not provide any of the foregoing advice or recommendations.

4.  Mosaic Rules for Using its Site

Mosaic’s Site may be accessed and used only for lawful purposes. You agree to abide by all local, state, Federal and foreign laws, treaties and regulations that cover your use of Mosaic’s Site. 

Additionally, you agree to abide by the following rules:

You must not do anything to violate or attempt to violate any security and access control provisions implemented in or in connection with the Site or the Content; or do anything to interfere or attempt to interfere with the operation of Mosaic’s Site, the display of the Content, or the use of the Site by other Users.

By way of example only, we require that you do not:

• take any action to violate or attempt to violate any security and access control provisions implemented in or in connection with the Site or the Content;

• log in with a password not assigned to you; 

• access Content not intended for you;

• test the security measures on Mosaic’s Site and/or attempt to identify system vulnerabilities;

• forge any of the header information in any posting or tamper with the TCP/IP packet header;

• use Mosaic's Site to send altered, deceptive or false source-identifying information;

• modify, reverse engineer, disassemble, decompile or otherwise attempt or allow others to attempt to discover the underlying computer code for the Site; or

• attempt to probe, scan or test the vulnerability of any Mosaic system or network or breach or impair or circumvent any security or authentication measures protecting the Sites.

You are also prohibited from:

• impersonating or misrepresenting your affiliation with any person or entity;

• committing fraud;

• using the Site in any manner not permitted by this Agreement or encouraging or instructing any other individual to do so;

• allowing a third party to access the Content under your account;

• entering false or misleading information on any forms requesting information from you;

• providing false or misleading information in any Content you upload or provide to use or creating user accounts by automated means or under false pretenses or misleading others as to the origins of your communications;

• tricking, defrauding, deceiving or misleading Mosaic's Site or other users, especially in any attempt to learn sensitive information;

• making improper use of Mosaic's Site support services or submitting false reports of abuse or misconduct;

• creating or transmitting unwanted electronic communications such as "spam," to other users or members of Mosaic or otherwise interfering with other users' or members' enjoyment of Mosaic’s Site;

• disparaging, tarnishing, or otherwise harming, in our opinion, MIG INC., Mosaic, Mosaic's Site and/or any of its users or members;

• disseminating or transmitting viruses, worms, Trojan horses, RATs, keyboard loggers, time bombs, spyware, adware, cancelbots, passive collection mechanisms ("PCMs"), or any other malicious or invasive code or program, or upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including, without limitation, clear graphics interchange formats ("gifs"), 1x1 pixels, web bugs, cookies or other similar devices;

• copying or adapting Mosaic’s Site software including but not limited to Flash, PHP, HTML, JavaScript or other code;

• reverse engineering, decompiling, reverse assembling, modifying or attempting to discover any software (source code or object code) that a Mosaic Site creates to generate web pages or any software or other products or processes accessible through the Site;

• except as may be the result of standard search engine or Internet browser usage, using or launching, developing or distributing any automated system, including, without limitation, any spider, robot (or "bot"), cheat utility, scraper or offline reader that accesses Mosaic's Sites or uses or launches any unauthorized script or other software;

• accessing or searching or attempting to access or search Mosaic’s Site by any means (automated or otherwise) other than through the currently available, published interfaces that are provided by Mosaic (and only pursuant to those terms and conditions), unless you have been specifically allowed to do so in a separate agreement with us;

• covering or obscuring any notice, banner, advertisement or other branding on Mosaic’s Site;

• selling access to Mosaic's Site, or any part thereof other than through a mechanism approved by Mosaic; or

• interfering with or disrupting (or attempt to do so) the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, mail-bombing Mosaic's Site, or by scripting the creation of content in such a manner as to interfere with or create an undue burden on Mosaic's Site.

• including any offensive comments that are connected to race, national origin, gender, sexual preference or physical handicap;

• including hateful, profane, obscene, indecent, pornographic, sexual or otherwise objectionable content or language;

• defaming, libeling, ridiculing, mocking, disparaging, threatening, harassing, intimidating or abusing anyone;

• promoting violence, illegal drug use, or substance abuse or describing how to perform a violent act, use illegal drugs or abuse other substances;

• violating the contractual, personal, intellectual property or other rights of any person, or promoting illegal activity;

• violating this Agreement, any local, state, federal or non-US law, rule or regulation or the rules of conduct posted with respect to any individual feature of Mosaic’s Site; or

• revealing any personal information about another individual, including another person's address, phone number, e-mail address, credit card number or any information that may be used to track, contact or impersonate that individual.

This list of prohibitions and requirements above is illustrative and not intended to be complete or exclusive. We reserve the right to prohibit your access to Sites for any action that MIG INC., in our respective sole judgment, determine to be inappropriate or disruptive to the Site, or to any other User.

Remember, you are solely responsible for all activities on the Site initiated through your user name and password.

Also, we may refuse to grant you a screen name that impersonates someone else, is protected by trademark or other proprietary right law, or is vulgar or otherwise offensive. If we become aware of any breach of this Agreement or the foregoing rules we will investigate and may work with law enforcement authorities in such investigations and for the purpose of prosecuting offenders. You agree to notify Mosaic immediately of any unauthorized use of your account or any other breach of security of which you become aware.

Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Site. YOU WAIVE AND HOLD HARMLESS MIG INC., AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY MOSAIC AND ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER MIG INC. OR SUCH PARTIES OR BY LAW ENFORCEMENT AUTHORITIES.

MIG INC. reserves the right to moderate or review User or Company Content; however, the foregoing prohibitions do not impose on us, and we do not assume any obligation to monitor or remove any Content. By using the Site you hereby acknowledge and agree that you may be exposed to content that is offensive, indecent or objectionable to you. Your access to the Site is undertaken at your own risk and we are not responsible for any offensive or otherwise objectionable materials in the Content.

5.  Third-party Links

We may provide links to other websites or resources over which Mosaic does not have control ("External Websites"). Such links do not constitute an endorsement by Mosaic of those External Websites. You acknowledge that Mosaic is providing these links to you only as a convenience, and further agree that we are not responsible for Third-Party Content of such External Websites or any business dealings you may have with such External Websites. Your use of External Websites is subject to the terms of service and privacy policies located on the linked External Websites.

6.  Specific Rules Concerning Comments about Companies

Mosaic’s Site may present information obtained from issuers and platforms concerning funding of companies. Because of the complexity of securities regulation, we currently do not allow any User comments about specific companies. Comments naming or providing information that clearly indicates a specific company may be deleted.

7.  Investor Requirements

Mosaic may host Opportunities subject to registration or to exemptions to registration in your jurisdiction. Before you can act on any Opportunity described on the Site, you must register with the Site or platform, and with a qualified financial institution.  Only your financial institution will qualify you for participation at their sole discretion.  

8.  Poster Requirements

Poster’s representations and warranties are described on an individual basis.  Opportunities described on Mosaic's Site may be regarded as or constitute an offering of securities in your jurisdiction.  Only registered representatives of your financial institution can comment on the suitability and availability of any Opportunity described on Mosaic's Site.  

9.  Opportunities

Opportunities described on the Site are only suitable for prospective participants who are familiar with and willing to accept the high risks associated with the Opportunities described, including the risk of complete loss of committed capital. Participation in many posted Opportunities requires high risk tolerance, low liquidity need, and long-term commitments. Users must be able to afford to lose their entire sum of committed capital. Unless identified otherwise, no Opportunity is guaranteed, and may lose value.

Users must read each posted Opportunity and accompanying documents for more information and discuss any questions with each Poster directly prior to participating. No assurance can be given that any Opportunity currently qualifies or will continue to qualify under one or more of such exemptive provisions due to, among other things, the adequacy of disclosure and the manner of distribution, the existence of similar Opportunities in the past or in the future, or a change of any securities law or regulation that has retroactive effect. No governmental agency has reviewed the Opportunities posted on this Site and no state or federal agency has passed upon either the adequacy of the disclosure contained herein or the fairness of the terms of any Opportunity. The exemptions relied upon for such Opportunities are significantly dependent upon the accuracy of the representations of the Users to be made to the Site and Posters on the Site in connection with an Opportunity. In the event that any such representations prove to be untrue, registration exemptions relied upon by a Poster in selling securities might not be available and substantial liability to such Poster would result under applicable securities laws for rescission or damages. These risks are non-exhaustive and are intended to highlight certain risks associated with investing in securities that are not registered with the SEC. 

WE STRONGLY ADVISE YOU TO CONSULT A LEGAL, TAX AND FINANCIAL PROFESSIONAL BEFORE PARTICPATING OR INVESTING, AND CAREFULLY REVIEW ALL THE SPECIFIC RISK DISCLOSURES PROVIDED AS PART OF ANY MATERIALS POSTED AND ASK THE POSTER ANY QUESTIONS YOU MAY HAVE OR REQUEST ADDITIONAL INFORMATION.

Mosaic’s Site is not a FINRA registered funding portal but may receive compensation calculated by reference to the purchase or sale of securities through the Site. Mosaic may not be a registered broker-dealer, investment adviser or investment manager in your jurisdiction, and we neither offer investment advice nor recommend or otherwise suggests that any investor participate in any particular Opportunity.

10.  Indemnification, Disclaimer of Warranty, Limitation of Remedies

By accessing Mosaic's Site and/or submitting User or Company Content to our Site you agree that you will:

Indemnify, and hold harmless MIG INC., its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Site, including, but not limited to, your User Content, any use of Company Content or the Site’s content, services, and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the Site.

In other words – YOU WILL BE HELD FULLY LIABLE FOR WHATEVER YOU UPLOAD OR POST TO OUR SITE. AND IF WE GET SUED BECAUSE OF SOMETHING YOU UPLOADED OR POSTED, YOU WILL HAVE TO PAY FOR US TO DEFEND THAT LAWSUIT.

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Site will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. 

TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT. YOUR USE OF THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. 

We have no special relationship with or fiduciary duty to you. You acknowledge that we have no control over, and no duty to take any action regarding: which users gain access to the Site; what Content you access via the Site; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content.

THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER OMNIBUS NOR ANY PERSON ASSOCIATED WITH OMNIBUS MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SITE. WITHOUT LIMITING THE FOREGOING, NEITHER MOSAIC NOR ANYONE ASSOCIATED WITH MOSAIC REPRESENTS OR WARRANTS THAT THE SITE, THE CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

TO THE FULLEST EXTENT PROVIDED BY LAW, MIG INC. AND MOSAIC HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL MIG INC., ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON ANY OF THE SITE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE OR EVEN IF WE WERE INFORMED OF THE POSSIBILITY OF SUCH DAMAGES.

NEITHER MIG INC., NOR MOSAIC, NOR ANY OF THEIR OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, PARTNERS, AGENTS, AND REPRESENTATIVES, THIRD-PARTY SERVICE PROVIDERS OR CONTENT PROVIDERS SHALL BE LIABLE TO YOU OR ANY THIRD PARTY FOR MORE THAN AN AGGREGATE AMOUNT OF FIVE HUNDRED DOLLARS ($500.00).

THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

11.  Third-party IP rights

Mosaic respects the intellectual property of others, and we ask you to do the same. If you believe that your work has been copied on the Site in a way that constitutes copyright infringement, please provide us with the following information:

• an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

• a description of the copyrighted work that you claim has been infringed;

• a description of where the material that you claim is infringing is located on the Site;

• your address, telephone number, and email address;

• a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

• a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Send notice of claims of copyright infringement on the Site to:

Attention: Support Desk

By mail: 3575 N 100 E STE #350, Provo, Utah USA 84604

By email: info@mosaic.online

12.  Applicable Law; Disputes

This Agreement will be governed by American law and the laws of the State of Utah, without regard to the choice of law or conflict of laws provisions of any other jurisdiction. You may bring any disputes, actions, claims, or causes of action related to this Agreement or in connection with this Site only in the courts located in Provo, Utah. However, at our sole discretion, we may require you to submit any disputes arising from the use of these Terms of Use or the Site, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying American law and the laws of the State of Utah. If any provision of these Terms of Use is held by a court of competent jurisdiction to be contrary to law, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties, with all other provisions remaining in full force and effect. The failure of Mosaic to enforce any right or provision in these Terms of Use shall not constitute a waiver of such right or provision unless acknowledged and agreed to by MIG INC. in writing.

13.  No Third-party Beneficiaries

Except as expressly provided in these Terms, there shall be no third-party beneficiaries to the Terms. We have the right to assign our rights or delegate any of our responsibilities under these Terms to an affiliate or in connection with a merger, consolidation or reorganization of Mosaic or the sale of substantially all of our assets.

14.  Termination

Mosaic may terminate your access to all or any part of the Site and Service at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your registration. If you wish to terminate your account, you may do so by following the instructions on the Site. All provisions of this Agreement shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

15.  General

Mosaic monitors its site in several locations, but it makes no representation that the Content is appropriate or will be available for use in any other location. If you use this Site, you are entirely responsible for compliance with applicable local laws, including but not limited to the export and import regulations in relation to the Content.