# inKind Capital Full Content This expanded file contains Markdown versions of selected public content for Large Language Models (LLMs), AI search assistants, and Answer Engine Optimization (AEO). Source index: https://inkindcapital.com/llms.txt Generated from https://inkindcapital.com/ on 2026-09-06 13:10:47 UTC. --- title: About description: ABOUT INKIND CAPITAL Restaurant Financing Built by Operators Empowering Restaurants Through Debt-Free Capital and Guest Rewards HOW INKIND WORKS inKind is a dual-sided marketplace app that delivers low-cost capital to restaurants while rewarding consumers with… url: https://inkindcapital.com/about/ --- # About ABOUT INKIND CAPITAL Restaurant Financing Built by Operators Empowering Restaurants Through Debt-Free Capital and Guest Rewards HOW INKIND WORKS inKind is a dual-sided marketplace app that delivers low-cost capital to restaurants while rewarding consumers with… #### ABOUT INKIND CAPITAL # Restaurant Financing Built by Operators Empowering Restaurants Through Debt-Free Capital and Guest Rewards ### HOW INKIND WORKS inKind is a dual-sided marketplace app that delivers low-cost capital to restaurants while rewarding consumers with exclusive dining experiences. Since launching in 2017, inKind has grown into the largest consumer marketplace of its kind offering a unique combination of low risk, debt-free funding for restaurants and high-value dining rewards for consumers. Currently serving over 4M users and collaborating with 7,000+ restaurants nationwide, inKind has infused $600+ million in capital to some of the most successful restaurant groups in the world such as MINA Group, Union Square Hospitality, Noble 33 and José Andrés Group, as well as award winning independent restaurants such as Okàn, Kann, and Xiquet. ### Johann Moonesinghe CEO and Co-Founder of inKind Johann is a seasoned entrepreneur and angel investor with seed-level investments in companies including Uber, Twilio, and Allbirds. After selling his tech company, he personally invested in 30 restaurants before founding and operating a restaurant incubator in 2015 to help chefs run their businesses. As CEO and co-founder of inKind, he combines his finance experience, restaurant expertise, and passion for food. Under his leadership, inKind has funded over 7,000 restaurants across the U.S., providing debt-free, equity-free capital to help them grow and succeed. Johann holds a BS in Computer Science from UCLA. ## Our Impact 0 + Restaurants funded 0 + inKind guests on platform $ 0 M+ InKind Capital Deployed ## In the News Read more on how inKind Capital is transforming the hospitality industry Built In Nov 21 ## Deloitte’s 2024 Technology Fast 500 List Featured 13 Austin Companies [Read Article](https://inkindcapital.com/deloittes-2024-technology-fast-500-list-featured-13-austin-companies/) Hospitality Daily Aug 15 ## Secrets To Success with Restaurants I’ve Learned the Hard Way – Johann Moonesinghe, inKind [Sponsor Bonus] [Read Article](https://inkindcapital.com/secrets-to-success-with-restaurants-ive-learned-the-hard-way-johann-moonesinghe-inkind-sponsor-bonus/) The Feed (Podcast) Aug 12 ## Rethinking restaurant funding with Johann Moonesinghe of InKind [Read Article](https://inkindcapital.com/rethinking-restaurant-funding-with-johann-moonesinghe-of-inkind/) Business News This Week Aug 8 ## inKind and Made In Cookware Fire Up Partnership to Equip Restaurants With Premium Cookware While Conserving Cash Flow [Read Article](https://inkindcapital.com/inkind-and-made-in-cookware-fire-up-partnership-to-equip-restaurants-with-premium-cookware-while-conserving-cash-flow/) Forbes Jun 27 ## Johann Moonesinghe, InKind Founder And CEO, Dishes On ‘The Bear,’ Pride Month And The Restaurant Business [Read Article](https://inkindcapital.com/johann-moonesinghe-inkind-founder-and-ceo-dishes-on-the-bear-pride-month-and-the-restaurant-business/) Economic Times Hospitality Jun 21 ## Innovative financing and investment models in the restaurant industry [Read Article](https://inkindcapital.com/innovative-financing-and-investment-models-in-the-restaurant-industry/) --- title: FT ranking: The Americas’ Fastest-Growing Companies 2025 description: The sixth annual list is based on revenue growth between 2020 and 2023 The Financial Times’ sixth annual ranking of the fastest-growing companies in the Americas covers a period that included the Covid-19 pandemic, lockdown… url: https://inkindcapital.com/ft-ranking-the-americas-fastest-growing-companies-2025/ --- # FT ranking: The Americas’ Fastest-Growing Companies 2025 The sixth annual list is based on revenue growth between 2020 and 2023 The Financial Times’ sixth annual ranking of the fastest-growing companies in the Americas covers a period that included the Covid-19 pandemic, lockdown… The sixth annual list is based on revenue growth between 2020 and 2023 The Financial Times’ sixth annual ranking of the fastest-growing companies in the Americas covers a period that included the Covid-19 pandemic, lockdown and the end of rock-bottom interest rates. Based on disclosed revenue growth between 2020 and 2023, the median revenue of the ranked companies was $20.1mn, slightly lower than the $20.5mn in the 2024 ranking. ABA Centers, which provides applied behaviour analysis therapy for those with autism spectrum disorder, topped the ranking with a compound annual growth rate, or CAGR, of 595.3 per cent. Next on the list were Clara, a business payments platform based in Mexico, and Cowbell Cyber, a US company that provides small and medium-sized companies with insurance and advanced warning of cyber risk. To view ranking, please refer to the [article](https://www.ft.com/content/99c7c6e1-5593-4466-a90f-3d4b07950644). IT and software was the sector most represented in the list, with 22 per cent of the total, or 66 companies. Other entries were spread across a range of industries. Financial services and fintech, as well as healthcare and life sciences, each had about 10 per cent. The least represented was waste management and recycling, with only one company. Most of the companies included were, as before, from the US — 200, or two-thirds, of the 300. Canada has 16 per cent, or 48 businesses, on the list. New York topped the list as home to the most entries followed by Toronto, Bogotá and Vancouver. The top companies by revenue included Global Partners, at number 245 on the list, which generated more than $16bn in 2023. That was a 25 per cent CAGR in 2023 for the US energy company founded in 1933. Vertex Pharmaceuticals, a biotech based in Boston in Massachusetts, generated nearly $10bn. Our list was compiled with Statista, a research company, and ranks businesses across the Americas by their CAGR in revenue between 2020 and 2023. The ranking is not necessarily a reflection of the size of countries’ economies but, rather, their ability to innovate and the willingness of their high-growth companies to be candid with financial information. Readers can click in the top of the columns in the table (above) to sort by country, sector or revenue, in order to analyse the data in more detail. Because many fast-growing companies tend to be privately held and do not publicly disclose detailed financial data, a ranking such as this can never claim to be complete. But the rigorous screening process (please refer to the methodology below) — which also requires senior executives to sign off on the figures submitted by their companies — means the ranking can offer readers a meaningful insight into the health of these private companies. ### Methodology The FT Americas’ Fastest-Growing Companies 2025 is a list of the 300 companies in the Americas that have the highest growth in publicly disclosed revenues between 2020 and 2023. The ranking was created through a complex procedure. Although the search was extensive, the ranking does not claim to be complete, as some companies did not want to make their figures public or did not participate for other reasons. The project was advertised online and in print, allowing all eligible companies to register via websites created by Statista and the FT. In addition, through research in company databases and other public sources, Statista identified tens of thousands of companies in the Americas as potential candidates for the FT ranking. These companies were invited to participate in the competition by post, email and telephone. The application phase ran from August to December 2024. The submitted revenue figures had to be certified by the company’s chief financial officer, chief executive, or a member of the executive committee. Companies with three or fewer employees, or companies that are not a legal entity, were subject to additional checks to verify their revenue numbers. #### CRITERIA FOR INCLUSION IN THE LIST To be included in the list of the Americas’ fastest-growing companies, a company had to meet the following criteria: • Revenue of at least $100,000 generated in 2020 (or currency value equivalent according to the average of the actual fiscal year); • Revenue of at least $1.5mn generated in 2023 (or currency value equivalent according to the average of the actual fiscal year); • An independent entity (not a subsidiary or branch office of any kind); • Revenue growth between 2020 and 2023 that was primarily organic (in other words, “internally” stimulated); • Headquartered in one of 20 American countries. Companies from these countries were eligible to participate: Argentina, Belize, Bolivia, Brazil, Canada, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, Guatemala, Honduras, Mexico, Nicaragua, Panama, Paraguay, Peru, the US, Uruguay and Venezuela. #### CALCULATION OF GROWTH RATES The calculation of company growth rates is based on the revenue figures submitted by the companies in the respective national currency. For better comparability in the ranking, the revenue figures were converted into US dollars. The average exchange rate for the financial year indicated by the company was used for this purpose. The compound annual growth rate (CAGR) was calculated as follows: The absolute growth between 2020 and 2023 was calculated as follows: (revenue2023 / revenue2020) – 1 = Growth rate #### EVALUATION AND QUALITY ASSURANCE All information reported by the companies was processed and checked by Statista. Missing data entries (employee numbers and address data for example) were researched in detail. Companies that did not fulfil the criteria for inclusion in the ranking were deleted. In addition to the companies that responded to invitations to participate, Statista included some well known companies noted for their remarkable growth. Financial information was collected via desk research using official sources, such as publicly available earnings presentations, investor relations websites and annual reports. 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WordPress wraps the leading / --- title: inKind Financing description: GROW & ENGAGE YOUR BEST CUSTOMERS WITH INNOVATIVE FINANCING How inKind Finances inKind buys F+B credit inKind purchases a large amount of food and beverage credit from your restaurant. inKind Sells F+B Credit inKind sells… url: https://inkindcapital.com/financing/ --- # inKind Financing GROW & ENGAGE YOUR BEST CUSTOMERS WITH INNOVATIVE FINANCING How inKind Finances inKind buys F+B credit inKind purchases a large amount of food and beverage credit from your restaurant. inKind Sells F+B Credit inKind sells… # GROW & ENGAGE YOUR BEST CUSTOMERS WITH INNOVATIVE FINANCING ## How inKind Finances inKind buys F+B credit inKind purchases a large amount of food and beverage credit from your restaurant. inKind Sells F+B Credit inKind sells the credit to customers to pay itself back rather than charging you any repayments. You keep serving great food! You service the credit over time, as customers come in to spend it, typically over 3 years. ## Why it works better than other financing options Because inKind is simply purchasing credit to your venue and not providing a loan that is paid back, the only cost is servicing credit as guests redeem. ### Marginal cost of financing The cost to your restaurant is the cost of the food and beverage you serve as customers redeem the credit they were sold by inKind. If you’re running 30% COGS, servicing $100 of credit will cost $30 + tax. ## Other Benefits Engagement Guests who buy F&B credit come in more often and spend more per visit, increasing your revenue and deepening your relationship with them. Customer Tips When redeeming credit to a venue, guests add gratuity on their credit card meaning your venue isn’t covering tip costs. Marketing Support inKind provides free marketing services to grow your email list and digital footprint at no charge and passes those audiences directly to you! [Get funding](https://inkindcapital.com/leads/) ## House Accounts Food & Beverage credit is sold as ‘House Accounts’ to customers and distributed through the inKind app. #### Touchless Payment & Integrations Guests can close out their bill with their House Account using their own device through the inKind app. inKind works with or without integration into your point-of-sale. #### Adding Funds & Gifting Guests often add additional House Account funds after redeeming their initial purchase amount and can share credit with friends directly from the inKind app bringing in new high-value customers. #### Transaction & Financial Reports All guest payments are tracked and viewable through inKind’s reporting service. Text alerts and emails can also be enabled to alert managers and operators of live credit redemptions. --- title: Partnerships description: PARTNERSHIPS Meet Our Partner Restaurants Let’s Work Together to Grow in Good Company inKind provides operators with upfront financing in exchange for food and beverage credit,sold to consumers on inKind's platform. READY TO LEARN MORE?… url: https://inkindcapital.com/partnerships/ --- # Partnerships PARTNERSHIPS Meet Our Partner Restaurants Let’s Work Together to Grow in Good Company inKind provides operators with upfront financing in exchange for food and beverage credit,sold to consumers on inKind's platform. READY TO LEARN MORE?… PARTNERSHIPS # Meet Our Partner Restaurants Let’s Work Together to Grow in Good Company inKind provides operators with upfront financing in exchange for food and beverage credit, sold to consumers on inKind’s platform. [Search Restaurants](#map)[Get in Touch](https://inkindcapital.com/leads/) ## Let’s work together to grow in good company. ## A proven commitment to the industry 0 + Restaurants funded $ 0 M+ inKind capital deployed 0 + inKind guests on the platform inKind should be a part of any restaurant’s financing strategy: There’s equity, debt, equipment financing, and now, inKind. Sam Bakhshandehpour President, Jose Andres Restaurant Group Former CEO of SBE Lifestyle Hospitality ### INKIND’S MISSION inKind helps restaurants grow their businesses by providing upfront capital in exchange for food and beverage credit, which Is then sold to guests via the inKind mobile app. Capital can be used tor anything related to your business-and you never pay it back or sacrifice any ownership. inKind’s assisted marketing never interferes with your own, and incentivizes guests to spend more and dine with you more often. --- title: Terms description: Last modified on March 16, 2026. Terms inKind product purchases are facilitated by inKind Cards, Inc. Visiting us from Australia? Check out our Australian terms and conditions here. By accessing or using our website, inkind.com or… url: https://inkindcapital.com/terms/ --- # Terms Last modified on March 16, 2026. Terms inKind product purchases are facilitated by inKind Cards, Inc. Visiting us from Australia? Check out our Australian terms and conditions here. By accessing or using our website, inkind.com or… #### Last modified on March 16, 2026. # Terms inKind product purchases are facilitated by inKind Cards, Inc. Visiting us from Australia? Check out our [Australian terms and conditions here](http://au.inkind.com/terms). By accessing or using our website, inkind.com or any subdomain thereof, inkindcapital.com or any subdomain thereof, any other inKind website, or the inKind mobile applications (“IK Sites & Apps“), you acknowledge that you have read, understand and agree to be bound by these terms of use (“Terms of Use”), regardless of whether you may make a purchase. In addition to these Terms of Use, you may enter into other agreements with inKind Cards Inc., or its subsidiaries and affiliates (collectively, “us” or “inKind”) or others that will govern your use of IK Sites & Apps or related services offered by us or others. As used herein, “Users” means anyone who accesses or uses IK Sites & Apps. These Terms of Use incorporate the inKind privacy policy, which is available to view here: [privacy policy](https://inkind.com/privacy). ARBITRATION NOTICE: THIS AGREEMENT CONTAINS A DISPUTE RESOLUTION PROVISION THAT CONTROLS HOW DISPUTES BETWEEN YOU AND US WILL BE RESOLVED, INCLUDING A CLASS ACTION WAIVER, REQUIRING BINDING ARBITRATION, AND PLACING LIMITS ON AVAILABLE DAMAGES. IN CONNECTION WITH THESE LIMITATIONS, PLEASE READ THE FOLLOWING SECTIONS CAREFULLY : - Disclaimer of Warranties - Limitation of Liability - How We Will Handle Disputes Amendments to Terms of Use We reserve the right to modify these Terms of Use at any time in our sole discretion. Any changes to these Terms of Use will become effective immediately upon the posting thereof. Please regularly review these Terms of Use to keep yourself apprised of any changes. Your continued use of IK Sites & Apps following the posting of changes will constitute your acceptance of the revised Terms of Use. inKind Balances “inKind Balances” are electronic credit certificates for specified dollar amounts that may be used to purchase items or services sold by a particular merchant (the “Merchant“), and shall be treated the same by the Merchant as any physical gift cards or other electronic gift cards that the Merchant may from time to time sell. (a) Components of inKind Balance There are three components that make up an inKind Balance, you may have some or all of these components, depending on how you are interacting with inKind: 1/ inKind Cash. When you prepay for food and beverage credit to inKind’s network of restaurants, this is called “inKind Cash”. inKind Cash can be used at any participating venues on the inKind App. inKind Cash combines two separate portions: (i) a portion equal to the amount you paid (the “Paid Portion“); and (ii) an unpaid promotional portion equal to the balance of the value of the inKind Balance (the “Promotional Portion“). The Paid Portion will never expire. The Promotional Portion expires three years from the purchase date. The Paid Portion is redeemed before the Promotional Portion. 2/ House Accounts Whereas most inKind Balances may be redeemed at any location on the inKind network, House Accounts may only be redeemed at the particular Merchant for whom the User purchased such House Account. Merchant is the issuer of the House Accounts and is solely responsible for redeeming the House Accounts for items or services sold and for compensating you should the Merchant cease accepting House Accounts. In the event a Merchant ceases operations, you agree that your only course of action is to seek a House Account refund from the Merchant, not from inKind, in the same manner as any other gift card creditor in accordance with applicable law. A House Account combines two separate portions: (i) a portion equal to the amount you paid (the “Paid Portion“); and (ii) an unpaid promotional portion equal to the balance of the value of the inKind Balance (the “Promotional Portion“). The Paid Portion will never expire. The Promotional Portion expires three years from the purchase date. The Paid Portion is redeemed before the Promotional Portion. 3/ inKind Cash Back inKind Cash Back (formerly inKind Credit Back) is inKind’s way of rewarding you for engaging with us. inKind Cash Back expires as per the expiration policy stated below. inKind Cash Back can be earned in the following ways: (i) Dine and Earn– you pay a bill using the inKind App and receive back up to 20% of the amount charged to your credit card on file (excluding any gratuities, fees and service charges) to spend on subsequent visits. If you pay all or part of your bill with discounts, bonuses, previously earned inKind Cash Back, or inKind Balances, you will not earn inKind Cash Back on the amount of your bill paid in that manner. From time to time we may run special promotions in which, for a limited time, we increase the percentage back we give you on the amount charged to your credit card (excluding any gratuities, fees and service charges), i.e. above 20%. During such promotions, the percentage back you will receive for dining at a particular restaurant will be displayed in the App; (ii) inKind Pass – if you pay monthly or yearly for an inKind Pass subscription, when you pay a bill using the inKind App you receive up to 20% of the amount charged to your credit card on file (excluding any gratuities, fees and service charges) to spend on subsequent visits. If you pay all or part of your bill with discounts, bonuses, previously earned inKind Cash Back, or inKind Balances, you will not earn inKind Cash Back on the amount of your bill paid in that manner. From time to time we may run special promotions in which, for a limited time, we increase the percentage back we give you on the amount charged to your credit card (excluding any gratuities, fees and service charges), i.e. above 20%. During such promotions, the percentage back you will receive for dining at a particular restaurant will be displayed in the App; (iii) Referral – you refer someone who then pays a bill using the inKind App that meets the associated minimum spend requirement; (iv) Ambassador Program – you participate in our Ambassador Program and someone claims your offer and/or pays a bill using the inKind App that meets the associated minimum spend requirement. (v) Challenges – from time to time inKind will provide you with one or more challenges that involve you interacting with us in a certain way that we will detail in the particular challenge (such as pay with inKind at a certain number of participating restaurants within a calendar month, or pay at a particular participating restaurant). If you complete a challenge, you will receive the amount of inKind Cash Back detailed in the particular challenge. inKind Cash Back Expiration inKind Cash Back is automatically added to your account within twenty-four (24) hours of your eligible purchase and expires two ( 2 ) months after the calendar month in which such inKind Cash Back was earned. For example, if you earn inKind Cash Back on October 15, 2024, it will expire on January 1, 2025. The oldest accrued inKind Cash Back will be used first for redemptions. If you have opted in to receive communications from inKind, we will notify you when any inKind Cash Back you have will soon expire. (b) Uses and Restrictions - Use of inKind Balances for alcoholic beverages depends on applicable law. - Only one component of inKind Balance (i.e. inKind Cash, House Account or inKind Cash Back) can be used per transaction at a participating Merchant. - inKind Balances cannot be combined with any other offers, coupons or promotions, unless expressly permitted by the Merchant. - inKind Balances cannot be used for tips, prior balances, shipping or handling, room charges, administrative fees, or other charges or fees as applicable. - inKind Balances cannot be used to purchase gift cards at a Merchant. - Duplicate use of inKind Balances is prohibited. - Unless otherwise stated therein, the inKind Balance price does not include sales, value-added or use taxes, which may be charged to you separately by the Merchant at the time of redemption. - Unauthorized or unlawful reproduction, resale, modification or trade of inKind Balances is prohibited. Pricing relating to certain inKind Balances on IK Sites & Apps may change at any time in inKind’s discretion, without notice. - Participating Merchants may have blackout periods that will result in inKind Balances not being redeemable on certain days or times. - Some participating Merchants may be exclusive to limited inKind user tiers or subscriptions levels. By purchasing an inKind Balance, you agree to any additional deal-specific terms advertised at the time of purchase (the “fine print” regardless of how labeled), and these Terms of Use. These rules apply to all purchases, except as otherwise required by law. Any attempt to redeem an inKind Balance in violation of the Terms of Use may result in a reversed transaction and/or the suspension or revocation of your inKind account and any remaining associated Credit. inKind Balances are not redeemable for cash, unless required by law. (c) Purchasing inKind may, in its sole discretion, verify a user’s identity prior to processing a purchase. inKind may also refuse to process a purchase or may cancel a purchase, as inKind reasonably deems necessary, to comply with applicable law or to respond to a case of misrepresentation, fraud, or known or potential violations of the law or these Terms of Use. Refunds for canceled orders may be issued in inKind’s sole judgment. inKind does not guarantee that it offers best available rates or prices and does not guarantee against pricing errors. inKind reserves the right, in its sole discretion, to not process or to cancel any orders placed, including, without limitation, if the price was incorrectly posted on any part of the IK Site & App. If this occurs, inKind will attempt to notify you by email. In addition, inKind reserves the right, in its sole discretion, to correct any error in the stated retail price of any inKind product. inKind has a process for evaluating Merchants but does not fully investigate or vet Merchants. inKind is not responsible for any claims associated with any issues with credit redemptions. You should investigate as you deem necessary or appropriate before purchasing any inKind product to determine whether the Merchant is qualified to provide the advertised goods and services. The Merchant is solely responsible for the care and quality of the goods and services being provided. (d) inKind Subscriptions You must be eighteen (18) years of age to agree to the subscription program and you are attesting to that fact by clicking the “Subscribe” button. You are authorizing inKind, to bill your credit card on file on the same date each month or year for the amount specified during checkout and in your inKind app in the inKind Pass section until such time as you may cancel your subscription. For subscriptions commencing with a promotional or trial period, your first billing date will be indicated in an email sent to you upon sign-up as well as in the inKind app in the inKind Pass section. For months in which your billing date falls on a date not contained in a certain month (if applicable), you will be charged on the first day of the following month. You are able to see your next monthly billing date in your User profile, and you are able to change the credit card on file at any time. If your payment is declined for any reason, inKind will suspend your subscription until a new credit card is placed on file. You must cancel your subscription in advance of the next billing date to avoid being charged for the following month. You may choose to cancel your subscription renewal anytime by referring to our Cancellation Policy. Should you cancel your subscription, and restart your subscription at a later date, the application of any promotions applied to new subscriptions to your account will be at the sole discretion of inKind. Upon registering a new credit card with inKind, you authorize inKind to continue to bill your monthly subscription fee until such time as you cancel your subscription. Your credit card company may charge you various fees. inKind is not responsible for any such fees, and you should review your policy with your credit card company to see what, if any, fees are applicable. Refunds are generally not permitted, except in extraordinary circumstances.If you wish to request a refund for such a circumstance, you must submit a Customer Service Ticket by either emailing support@inkind.com or by using the Support & Help feature in the inKind app which is accessible through your User profile. It is in inKind’s sole and absolute discretion whether to provide a refund, and, if so, in what amount. While subscribed, you will earn inKind Cash Back on all food and beverage charges on your bill paid via a credit card through the inKind mobile app. inKind Cash Back will be automatically deposited into your inKind Cash Back balance in your inKind account. No inKind Cash Back will be earned on tips, gratuities, delivery or service fees, or any portion of the bill covered by discounts, bonuses, previously earned inKind Cash Back, or inKind Balances. Membership Cancellation Policy: You must cancel your subscription in advance of the next billing date to avoid being charged for the following month. To cancel your subscription at any time via the inKind app, you may visit the Manage Membership section under inKind Pass and click on “Cancel Membership”. You may also contact support@inkind.com no less than seventy-two (72) hours in advance of your subscription renewal date with your request to cancel your subscription. (e) Merchant Liability Merchant is solely responsible for all goods and services it provides to you and for any and all injuries, illnesses, damages, claims, liabilities and costs it may cause you to suffer, directly or indirectly, in full or in part, whether related to the use or redemption of an inKind Balance or not, as well as for any unclaimed property liability arising from unredeemed or partially redeemed House Accounts. You hereby irrevocably waive all rights related to, and release inKind and its subsidiaries, affiliates, partners, officers, directors, employees and agents from, any liabilities arising from or related to any act or omission of a Merchant in connection with your use of a House Account or the products and/or services Merchant provides in connection with it. (f) Refunds Refunds may be requested within thirty (30) days of the purchase date. A full refund will only be granted provided none of the associated credit has been used. If inKind permits any refund for partially used credit, the customer will be deemed to have used the Paid Portion first and will forgo any promotional credit granted. Offers Special offers (“Offers”) may be distributed by email, through the App (including via push notifications), text, social media or through a participating restaurant’s website. You may be required to opt-in and activate special offers via the App or via email. In order to receive and activate personalized special offers distributed via email, you must opt-in to receive promotional and marketing offers from inKind and you may be required to provide a valid email and telephone number. Special offers may be customized based on your purchase behaviors and preferences, and may include periodic discounts or the opportunity to earn extra inKind Cash Back. Special offers may have certain restrictions, including expiration dates and short, time-limited redemption periods. Unless stated otherwise, special offers cannot be shared, copied or transferred. Read each offer carefully for specific details, expiration dates, and limitations and restrictions. inKind reserves the right to change or suspend the personal offers and coupons in its discretion. Offers cannot be used in conjunction with inKind Balances. inKind Cash Back and Offers Suspension If, in our sole discretion, inKind determines that you have violated these Terms of Use or that use of any Offers or inKind Cash Back is unauthorized, deceptive, fraudulent or otherwise unlawful, without notice to you, inKind reserves the right to suspend, withdraw or make void any (i) inKind Cash Back you have earned or (ii) any Offers you may have. inKind reserves the right to change, modify, discontinue or cancel ways to earn inKind Cash Back at any time and in its sole discretion, without notice to you. Delivery inKind provides an online marketplace which enables consumers to place orders for food and/or other goods from restaurants and businesses. inKind is not a restaurant or food preparation business. Charges paid by you for completed and delivered orders are final and non-refundable. inKind has no obligation to provide refunds or credits, but may grant them, in each case in inKind’s sole discretion. inKind may change the fees for its products as it deems necessary or appropriate for its business, including but not limited to delivery fees and service fees. inKind may also charge merchants fees on orders that you place through the Services, including commissions and other fees, and may change those merchant fees as inKind deems necessary or appropriate for its business or to comply with applicable law. Registration and Account Security In consideration of your use of IK Sites & Apps and in order to best keep your account information safe, you agree to (a) provide accurate, current, and complete information, (b) keep your password secure, (c) update any information as necessary, and (d) be fully responsible for all use of your account and for any actions that take place using your account. Intellectual Property Rights All software, design, text, information, data, databases, images, photographs, illustrations, audio clips, video clips, artwork, graphic material, or other copyrightable elements (collectively, “Content“), other than User Content (as defined below), are the property of inKind and/or its subsidiaries, affiliates, assigns, licensors, vendors, partners or other respective owners and are protected, without limitation, pursuant to U.S. and foreign copyright laws. No Content (other than your own User Content) may be reproduced, modified, used to create derivative works, displayed, performed, published, distributed, disseminated, broadcast or circulated to any third party without our express prior written consent. Use License You are hereby granted a limited license to access and use the IK Sites & Apps for personal, non-commercial, transitory viewing only. Under this license, you may not: - modify or copy the Content except as expressly permitted hereby; - use the Content for any commercial purpose or any public display; - attempt to decompile or reverse engineer any software contained on IK Sites & Apps; - remove any copyright or other proprietary notations from the Content; - transfer the Content to another person; or - “mirror” the Content on any other server. This license shall automatically terminate if you violate any of the above restrictions. We may terminate this license for any reason at our sole discretion. Trademarks “inKind” and its logo, and any other inKind marks (collectively, “inKind Trademarks“) constitute our trademarks or service marks. Other company, product, and service names and logos used and displayed on IK Sites & Apps may be trademarks or service marks owned by us or others. You may not use, copy, display, distribute, modify or reproduce any of the trademarks or service marks found on IK Sites & Apps unless in accordance with written authorization by us. The use of any of the inKind Trademarks as part of a link to or from any site is prohibited unless we provide advance written approval. Any questions concerning any inKind Trademarks, or whether any mark or logo is an inKind Trademark, should be referred to us. User Content Agreement You represent, warrant and agree that no materials of any kind submitted through your account or otherwise posted or shared by you on IK Sites & Apps will violate or infringe upon the rights of any third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights, or contain libelous, defamatory or otherwise unlawful material. You further agree not to use electronic or other means to collect email addresses or other contact information of Users for the purposes of sending unsolicited communications. Additionally, you agree not to create any automated user-generated content or use automated scripts to collect information from IK Sites & Apps or for any other purpose. You further agree that you may not use inKind in any unlawful manner or in any other manner that could damage, disable, overburden, or impair IK Sites & Apps. In addition, you agree not to use IK Sites & Apps to: - upload, post, transmit, share, store or otherwise make available: - any content that we deem to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or otherwise objectionable; - any unsolicited or unauthorized advertising, solicitations, promotional materials, “junk mail,” “spam,” “chain letters,” or any other form of solicitation; - any private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers, or bank account details; - any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; - content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national, or international law; - content that, in our judgment, is objectionable or restricts or inhibits any other person from using or enjoying any part of the IK Sites & App, or which may expose us or any User to any harm or liability of any type. - register for more than one User account or register for a User account on behalf of an individual other than yourself; - impersonate any person or entity, or falsely state or otherwise misrepresent your identity, your age, or your affiliation with any person or entity; - intimidate or harass another User; or - use or attempt to use another’s account, service or system without our authorization. User Content Posted on IK Sites & Apps You are solely responsible for the content that you post on IK Sites & Apps or transmit to or share with other Users (“User Content“). You understand and agree that we may, but are not obligated to, review and delete or otherwise remove (without notice) any User Content in our sole discretion. By posting User Content to any part of IK Sites & Apps, you are deemed to grant to us, and you represent and warrant that you have the right to grant, an irrevocable, perpetual, non-exclusive, transferable, worldwide license (with the right to sublicense) to use, copy, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part) and distribute such User Content for any purpose on or in connection with IK Sites & Apps or the promotion thereof, to prepare derivative works of, or incorporate into other works, such User Content, and to grant and authorize sublicenses of the foregoing. You may remove your User Content from IK Sites & Apps at any time. However, if you choose to remove your User Content, the license granted above will not expire. Anti-Circumvention and Account Integrity You agree not to: - create or control multiple accounts for the purpose of obtaining additional promotional benefits; - use false identities, disposable payment methods, or coordinated activity to manipulate rewards; - engage in behavior designed to exploit technical errors, pricing errors, or system malfunctions. To ensure compliance with the above, inKind reserves the right to: - monitor transactions for fraud, abuse, or circumvention; - require identity verification or payment verification; - reverse, claw back, or void any inKind Cash Back, promotional balances, or rewards obtained through error, abuse, technical malfunction, or violation of these Terms; - offset improperly obtained rewards against future balances. Restaurant Partner Employee Restrictions To protect the integrity of the platform and prevent misuse, the following restrictions apply to employees, contractors, managers, owners, agents, or representatives of any Merchant (“Restaurant Personnel”), unless approved by the associated Merchant. Restaurant Personnel may not: (a) use their employment position to pressure, incentivize, induce, or require dining guests to sign up for inKind or redeem inKind Balances in exchange for any direct or indirect benefit to Restaurant Personnel; (b) process a guest’s bill through their own inKind account; (c) retain cash or other payment from a guest and substitute payment through an inKind account. If inKind determines, in its sole discretion, that a transaction or account activity involves Restaurant Personnel misuse: - associated rewards and promotional balances may be voided or reversed; - the account may be suspended or terminated; - inKind may notify the applicable restaurant partner of suspected misuse; - inKind may pursue recovery of improperly obtained promotional value. Links to Third Party Websites From time to time IK Sites & Apps may contain links to websites that are controlled, owned, or operated by third parties (“Third-Party Sites“). We do not take any responsibility for any content provided on Third-Party Sites, nor do we make any representation or warranty, express or implied, regarding the accuracy of the content on any Third-Party Site. You acknowledge and agree that your use of any Third-Party Sites is governed by the terms of use for those websites, and not by these Terms of Use. We do not endorse any Third-Party Sites that have links on our websites or any products or services offered by such sites. We provide the links for your convenience and you access them at your own risk. Any Third-Party Sites may have substantially different privacy policies and be less secure than our own. We shall have no liability of any nature whatsoever for any failure of products or services offered or advertised on such sites or otherwise. Copyright Complaints If you are the owner or controller of any copyright that you believe is being infringed by material on IK Sites & Apps, you may send a written notification under the Digital Millennium Copyright Act (via mail or email) of such alleged infringement to: Attn: Andrew Harris inKind Cards, Inc. 600 Congress Ave Ste 1700 Austin TX 78704 Or email: legal@inkind.com The notice must meet the notice requirements under the Digital Millennium Copyright Act. In accordance with the Digital Millennium Copyright Act and other applicable law, inKind has a policy of terminating, at its sole discretion, the registrations of Users who are deemed to be repeat infringers. We may also, at our sole discretion, limit the access to IK Sites & Apps afforded to any Users who infringe on the intellectual property rights of others. Service Use Technical Requirements In order to use inKind’s services and redeem food and beverage credit, You must own or have access to a smartphone with active wireless internet connectivity. Functionality of the inKind mobile application is dependent on You keeping your smartphone current with the latest updates and security patches to your operating system as well as to the latest version of the inKind app. We do not support older mobile operating systems and, if You use an older operating system, You may not be able to access the app and/or redeem credit. Mobile Marketing By joining the inKind Cards, Inc. dba inKind mobile alerts program, you have consented to receive recurring marketing text messages. For help email support@inkind.com. To stop receiving messages at any time, text STOP to the number we text you on. For HELP, text HELP to the number we text you on. Your consent to receive text messages is not a condition of purchase. Message frequency varies. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages. The inKind mobile alerts program is available in the US only. For how we treat your data, please visit our [Privacy Policy](https://inkind.com/privacy). Message and data rates may apply to your entry or submission message to any inKind text message service, our confirmation and all subsequent text message correspondence. Message frequency varies. Please contact your wireless carrier for information about your messaging and data plan(s). Your carrier may impose message or charge limitations on your account that are outside our control. All associated charges are billed by and payable to your mobile service provider. Data obtained from you in connection with our text message service may include your cell phone number, your carrier’s name, and the date, time and content of your messages to us and other information that you may provide. We may use this information to contact you and to provide the services you request from us, and to otherwise operate, develop and improve the service. We and third-party partners collect information using cookies, pixel tags, plugins, or similar technologies. For example, we may use pixel tags to recognize and alert you, if you leave items in your shopping cart. Our third-party partners, such as analytics and advertising partners, may use these technologies to collect information about your online activities over time and across different services. Your wireless carrier and other service providers may also collect data about your text usage, and their practices are governed by their own policies. We will only use information you provide to the service to transmit your text message. We reserve the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property. Use of Personally Identifiable Information Please see our [Privacy Policy](https://inkind.com/privacy). Disclaimer of Warranties WE DO NOT GUARANTEE THE ACCURACY, ADEQUACY, TIMELINESS, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY OF THE CONTENT ON IK SITES & APPS, AND WE DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THE CONTENT. IK SITES & APPS AND ALL OF THE CONTENT IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE OUTCOME OF YOUR USE OF THE CONTENT. WE DO NOT WARRANT THAT IK SITES & APPS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS DOES NOT AFFECT THOSE WARRANTIES THAT ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT. WE MAY DISCONTINUE OR MAKE CHANGES IN THE CONTENT AND IK SITES & APPS AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND WE DO NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. WE RESERVE THE RIGHT TO TERMINATE ANY OR ALL OFFERINGS OR RELATED TRANSACTIONS WITHOUT PRIOR NOTICE TO YOU. IK SITES & APPS COULD CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. USE OF IK SITES & APPS IS AT YOUR OWN RISK. Limitations of Liability TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER WE NOR OUR AFFILIATES NOR OUR OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, REPRESENTATIVES, NOR ANY THIRD-PARTY PROVIDERS TO THE SITE, ARE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH USE OF IK SITES & APPS, OR WITH A USER’S DELAY OR INABILITY TO USE THE SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH IK SITES & APPS, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, FEDERAL OR STATE SECURITIES LAWS, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE. IN ANY CASE, INKIND AND ITS AFFILIATES’ AGGREGATE LIABILITY UNDER THIS AGREEMENT WILL BE LIMITED TO FIVE HUNDRED DOLLARS ($500). Indemnification You agree to indemnify, defend, and hold inKind, its subsidiaries, and affiliates, and each of their directors, officers, agents, contractors, partners, and employees, harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable attorney’s fees, arising out of or in connection with any User Content you post or share on or through IK Sites & Apps, your use of IK Sites & Apps, your conduct in connection with IK Sites & Apps or with other Users of IK Sites & Apps, or any violation of these Terms of Use or of any law or the rights of any third party. Consent to Electronic Disclosures inKind can only give you the benefits of our service by conducting most of our business through the Internet. By agreeing to these Terms of Use you hereby consent to do business and receive all disclosures, notices, documents and information, including Schedule K-1s, (“Communications“) from us in relation to all of your interactions and transactions on IK Sites & Apps electronically and acknowledge that this agreement satisfies Revenue Procedure 2012-17 which requires affirmative consent to electronic delivery of Schedule K-1s. To access and retain the Communications electronically, you will need to use a computer with a current version of Microsoft Edge, Firefox, Google Chrome or similar software, and hardware capable of running this software. By agreeing to these Terms of Use you hereby acknowledge that you can access the electronic Communications in these formats. You may withdraw your consent to receive Communications electronically by contacting us via email at support@inkind.com with the subject heading “Electronic Disclosures”. The withdrawal of your consent will not affect the legal validity and enforceability of any pending purchase you may have on IK Sites & Apps, or any electronic Communications provided or business transacted between us prior to the time you withdraw your consent. You may also elect to receive paper copies of any Communications by contacting us at the email address stated above. Please keep us informed of any changes in your email or mailing address so that you continue to receive all Communications without interruption. Governing Law; Venue Without limiting anything provided with respect to the arbitration agreement in the Section “How We Will Handle Disputes” below, these Terms of Use and all matters or issues collateral thereto will be governed by, construed, and enforced in accordance with the laws of the State of Delaware without regard to conflict-of-laws principles. Except as expressly set forth in the Section “How We Will Handle Disputes” below, all disputes shall be brought to an arbitrator or federal or state court (as applicable), in the Austin, Texas. How We Will Handle Disputes Disputes. The terms of this Section shall apply to all Disputes between you and inKind. For the purposes of this Section, “Dispute” shall mean any dispute, claim, controversy or action between you and inKind arising under or relating to your use of IK Sites & Apps, or to products or services sold or distributed by us or through us, these Terms of Use, or any other transaction involving you and inKind, 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. YOU AND INKIND AGREE THAT “DISPUTE” AS DEFINED IN THESE TERMS OF USE SHALL NOT INCLUDE ANY CLAIM OR CAUSE OF ACTION BY INKIND FOR: (1) TRADE SECRET MISAPPROPRIATION; (2) PATENT INFRINGEMENT; (3) COPYRIGHT INFRINGEMENT OR MISUSE; (4) TRADEMARK INFRINGEMENT OR DILUTION; OR (5) ANY OTHER CLAIM FOR WHICH INJUNCTIVE RELIEF IS APPROPRIATE IN THE SOLE DISCRETION OF INKIND. You and we agree that any Dispute will be resolved by binding arbitration rather than in court, with the following exceptions: - You may assert claims in small claims court if your claims qualify and the action is within that court’s jurisdiction and is pending only in that court; and - In the event that the arbitration agreement in these Terms of Use is for any reason held to be unenforceable, any litigation against us (except for small-claims court actions) may be commenced only in a federal or state court located within Austin, Texas, and we both consent to the exclusive jurisdiction of those courts for such purposes. Opt-Out. You may elect to opt-out (exclude yourself) from the final, binding individual arbitration procedure and waiver of class and representative proceedings specified in this Section by sending a written letter to inKind at 600 Congress Ave, Ste 1700, Austin TX 78704, Attn: Legal Department, within thirty (30) calendar days of your initial agreement to these Terms of Use (including your first use of IK Sites & Apps) that specifies: (1) your name; (2) your mailing address; (3) your email address; (4) your phone number and (5) your request to be excluded from the final, binding individual arbitration procedure and waiver of class and representative proceedings specified in this Section. In the event that you opt-out consistent with the procedures set forth above, all other terms of these Terms of Use shall continue to apply. Dispute Notice. In the event of a Dispute, you or inKind 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”). The Dispute Notice to inKind must be addressed to 600 Congress Ave, Ste 1700, Austin TX 78704, Attn: Legal Department. The Dispute Notice to you will be sent by certified mail to the most recent address we have on file or otherwise in our records for you, or via email if we do not have any such address on file. If inKind and you do not reach an agreement to resolve the Dispute within sixty (60) calendar days after the Dispute Notice is received, you or inKind may proceed to mediation as articulated in this Section. You and inKind will work in good faith to schedule the informal conference at a mutually convenient time. If you are represented by counsel, your counsel may participate in the informal dispute resolution conference, but you shall also fully participate in such discussions. The arbitrator may dismiss any arbitration brought without first proceeding through the informal dispute resolution conference. Binding Arbitration. In the event the parties cannot resolve the Dispute via the informal dispute resolution conference, you and inKind agree: (1) to arbitrate all Disputes between you and inKind pursuant to the provisions of these Terms of Use; (2) these Terms of Use memorialize a transaction in interstate commerce; (3) the Federal Arbitration Act (“FAA”) (9 U.S.C. § 1, et seq.) governs the interpretation and enforcement of this Section (notwithstanding the choice-of-law provision contained herein); and (4) this Section shall survive termination of these Terms of Use. The arbitration agreement in these Terms of Use is governed by the FAA, including its procedural provisions, in all respects. This means that the FAA governs, among other things, the interpretation and enforcement of this arbitration agreement and all of its provisions, including, without limitation, the class action waiver discussed below. State arbitration laws do not govern in any respect. This arbitration agreement is intended to be broadly interpreted, and will survive termination of these Terms of Use. The arbitrator, and not any federal, state or local court or agency, shall have exclusive authority to the extent permitted by law to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability or formation of this agreement, including, but not limited to any claim that all or any part of this agreement is void or voidable. There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow these Terms of Use as a court would. Arbitration Procedure. If a party elects to commence arbitration, the arbitration shall be administered by the American Arbitration Association (“AAA”) and be governed by the applicable AAA rules to the Dispute, including the Commercial Arbitration Rules and Mediation Procedures, and the Procedures for Large, Complex Commercial Disputes, if and as appropriate; except 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 of Use, the rules set forth in these Terms of Use shall govern. The parties agree to submit any and all disputes, claims, or differences to a single arbitrator for claims of $1,000,000 or less, or three arbitrators for claims greater than $1,000,000. Both parties shall have a reasonable opportunity to participate in the selection of the arbitrator(s). The arbitrator is bound by the terms of these Terms of Use. 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 judgment in any court of competent jurisdiction. Hearing Format. Unless otherwise agreed, the arbitration shall take place in Austin, Texas, but may proceed telephonically in the event the total amount of the claim does not exceed $2,500 U.S. dollars (if the claimant so chooses). 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 inKind or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or inKind is entitled. The discovery or exchange of non-privileged information relevant to the Dispute may be allowed during the arbitration. Arbitration Fees. Payment of all AAA filing, administration, and arbitrator fees will be governed by AAA’s rules, but in no event will we pay for attorneys’ fees. Where required by applicable law under these Terms, inKind will pay, or (if applicable) reimburse you, for all AAA filing, administration, and arbitration fees for any arbitration commenced by you or inKind pursuant to these Terms of Use. You are responsible for all additional costs that you incur in the arbitration, including, without limitation, fees for attorneys or expert witnesses. WAIVER OF CLASS ACTIONS AND CLASS ARBITRATIONS. YOU AND INKIND AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER PARTY 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 INKIND AGREE THAT NO DISPUTE SHALL PROCEED BY WAY OF CLASS ARBITRATION WITHOUT THE WRITTEN CONSENT OF ALL AFFECTED PARTIES. YOU AGREE TO WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION. MASS ACTION WAIVER. You and inKind agree that any Dispute between you shall be resolved only in an individual arbitration pursuant to this Section. You and inKind expressly waive the right to have any dispute, claim, or controversy brought, heard, administered, resolved, or arbitrated as a Mass Action, as defined below, and neither an arbitrator nor an arbitration provider shall have any authority to hear, arbitrate, or administer any Mass Action to award relief to anyone but the individual in arbitration, unless otherwise provided in this Section. “Mass Action” includes instances in which you or inKind are represented by a law firm or collection of law firms that has filed 25 or more arbitration demands of a substantially similar nature against the other party within 180 days of the arbitration demand filed on you or inKind’s behalf, and the law firm or collection of law firms seek to simultaneously or collectively administer and/or arbitrate all arbitration demands in the aggregate. Notwithstanding this Section, nothing prevents you or inKind from participating in a mass settlement of claims. Special Master Appointment. In the event there is a dispute concerning the Mass Action Waiver, the parties agree to resolve such dispute before a Special Master appointed by the arbitration provider and agreed to between the parties. The Special Master shall have authority to resolve disputes concerning: (i) filing fees owed with respect to any Mass Action; (ii) any dispute regarding whether this arbitration agreement has been followed; (iii) whether claimants are barred from proceeding with a Mass Action; (iv) any dispute relating to the representation of the same claimant by multiple law firms; (v) any dispute regarding discovery common to all claims; and (vi) any disputes regarding legal or factual issues common to all claims. If the Special Master determines you violated the Mass Action Waiver, either party shall have the opportunity to opt-out of arbitration within 30 days of the arbitrator’s decision. You may opt-out of arbitration by providing a written notice to compliance@inkind.com. inKind may opt-out of arbitration by sending written notice of its intention to the arbitration provider and to you or your attorney, agent, or representative. For the avoidance of doubt, the ability to opt-out of arbitration at this stage in the proceedings only applies if the arbitrator or panel of arbitrators determines that you have violated the Mass Action Waiver. If the parties proceed with arbitration, the parties agree to the batching procedures below. Batching. After proceedings before the Special Master have concluded, and to the extent any Mass Actions are permitted to proceed, the parties agree that Mass Actions will be batched into groups of no more than 200 demands per batch by state of residence (with any remaining demands batched into a single group). The parties shall inform the arbitrator of the batches and their composition within 14 calendar days of the conclusion of proceedings before the Special Master. The arbitration provider shall treat each batch of claims as one case, with each case having one demand for arbitration, one appointed arbitrator, and one set of administrative documents and filing fees per batch. The parties shall randomly assign sequential numbers to each batch, and only one batch shall proceed to arbitration at a time in the order of the random sequential numbers. A separate arbitrator will be appointed to, and administrative and filing fees assessed for, each batch as the batch proceeds to arbitration. Amendments to this Section. Notwithstanding any provision in these Terms of Use to the contrary, you and inKind agree that if inKind makes any material amendments to the dispute resolution procedure and class action waiver provisions in these Terms of Use, inKind will notify you and you will have thirty (30) calendar days from the date of notice to affirmatively opt-out of any such amendments by sending a written letter to 600 Congress Ave, Ste 1700, Austin TX 78704, Attn: Legal Department, that specifies: (1) your name; (2) your mailing address; and (3) your request to opt-out of such amendments. If you affirmatively opt-out of any future amendments, you are agreeing that you will arbitrate any Dispute between us in accordance with the language of this Section as stated in these Terms of Use, without any of the proposed amendments governing. If you do not affirmatively opt-out of any future amendments, you will be deemed to have consented to any such future amendments. Severability of Arbitration Provisions. If any provision in this Section is found to be unenforceable, that provision shall be severed with the remainder of these Terms of Use remaining in full force and effect. The foregoing shall not apply to the prohibition against class or representative actions; if the prohibition against class or representative actions is found to be unenforceable, this entire Section shall be null and void. The terms of this Section shall otherwise survive any termination of these Terms of Use. Availability IK Sites & Apps is not intended for use by, or distribution to, any person or entity in any jurisdiction or country where such use or distribution would be contrary to applicable law or regulation. By offering IK Sites & Apps and Content, we make no distribution or solicitation to any person to use IK Sites & Apps or Content in jurisdictions where the provision of IK Sites & Apps and/or Content is prohibited by law. Notice of Financial Incentive As part of the inKind experience, you are rewarded for completing different purchase and redemption challenges, and on occasion providing your information, with discounts, cash/credit back, and other rewards of various commercial value. These challenges are determined and offered based on your personal inKind use habits. Under the California privacy law, our rewards program may be considered a financial incentive. Financial incentives tied to such rewards missions and/or informational requests may include: - Cash/credit back to your account for future use - Discounts - Special Offers or Promotions - Free or Discounted Months of our Subscription Service - Free or Discounted Food or Beverage Items As a user, our rewards may often equate to different and obvious values (e.g. “5% back when you spend $100” results in $5 in inKind credit). However, we do not assign a precise monetary value for any personal information we may receive and retain. The value we derive from such information comes in the form of increased customer engagement, purchases, and loyalty. In order to determine a value for such personal information, we need to consider the cost of any such offer or promotion weighed against the value of understanding and retaining such information as we develop new products, services, and experiences. The value may differ based on the user, such user’s habits, and such user’s location. You have the right to withdraw from participation in our rewards program at any time by emailing support@inkind.com Other Agreements These Terms of Use shall be subject to any other agreements you have entered into with us. Additional Terms Certain sections or pages on IK Sites & Apps may contain separate terms and conditions of use, which are in addition to the terms and conditions of these Terms of Use. In the event of a conflict, those additional terms and conditions will govern those sections or pages of IK Sites & Apps. General Provisions If any provision of these Terms of Use is found to be invalid or unenforceable, the provisions shall be enforced to the fullest extent possible, and the remaining provisions of these Terms of Use shall remain in full force and effect. These Terms of Use supersede any previous Terms of Use to which you and we may have been bound. These Terms of Use will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall be deemed to modify any provision of these Terms of Use. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. Updated 3/16/26