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Lending Terms of Use

Terms of Use

Grow Ahead Terms of Use Agreement (Last Updated April 20th, 2017)

Welcome to Grow Ahead Foundation (Grow Ahead), a Minnesota non-profit corporation (together with its affiliates, officers, directors, agents, employees, representatives, partners and their respective affiliates, collectively, "Grow Ahead"). This Terms of Use Agreement ("Agreement") is a contract between you ("you") and Grow Ahead and governs your access and use of the Grow Ahead.org website and all other websites owned and operated by Grow Ahead that have this Agreement posted (collectively, the "Website"), including, but not limited to, all transactions conducted on the Website and all
Grow Ahead services provided in connection with the Website. By accessing or using the Website, you signify that you have read all of the terms and conditions in, and linked to, this Agreement (including the Privacy Policy), and you agree to be bound by this Agreement, whether or not you participate in Grow Ahead's lending program or related programs, services or activities (collectively, the "Program") or otherwise access or use the Website (in each such capacity, a "User"). If you do not agree with all of the terms and conditions in this Agreement, please do not participate in the Program or access or use the Website.

This Agreement supersedes any previous agreement to which you and Grow Ahead may have been bound. This Agreement may be modified by Grow Ahead in its sole discretion from time to time and such modifications shall automatically become part of this Agreement and shall be effective once posted by Grow Ahead on the Website (as indicated by the posted update date). Your participation in the Program and use of the Website will be subject to any such modifications. You should review the Website and this Agreement from time to time for any modifications. If you do not agree with any such modifications, please immediately terminate your registered Grow Ahead account, if any, as outlined in Section 10 below, and please immediately stop participating in the Program and accessing and using the Website.

This Agreement will be binding on, inure to the benefit of and be enforceable against the parties and their respective successors and permitted assigns. Grow Ahead has the right to delegate, assign and otherwise transfer any or all of its rights and duties under this Agreement. Neither the course of conduct between parties nor trade practice shall act to modify any provision of this Agreement. 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.

You may receive a written copy of this Agreement by emailing us at: [email protected], Subject: Grow Ahead Terms of Use Agreement.

This Agreement is divided into the following sections:
1. Participation in the Program
2. Proprietary Rights
3. Acceptable Use & Privacy Policy
4. Account security
5. Disclaimers
6. Limitation of Liability
7. Disputes with other Users and Borrowers
8. Governing Law; Resolution of Disputes; Arbitration and Waivers
9. Indemnity
10. Term; Termination
11. Entire Agreement; Severability
12. Contacting us

1. Participation in the Program

Grow Ahead manages the Website, which matches you and other persons (each, a "Lender" and, collectively, "Lenders") with Producer Organizations (PO’s, each, a "Borrower" and, collectively, "Borrowers") representing or buying farm produce from under-banked or low-income farmers in various countries in need of affordable trade finance. In most instances, these Borrowers are considered "high risk" by traditional lenders for a variety of factors, including, but not limited to, the Borrowers' lack of credit history, adverse weather conditions (flooding, drought etc.), the use of the loan proceeds for the payment of entrepreneurial endeavors of “start-up” farmers, and the geographic location including the risk of financial instability. Under the specific Grow Ahead trade finance model, risks are considerable reduced. Please carefully review the underneath section 1.5 entitled "Principal Loss Scenarios" which highlights the various risks associated with lending online through Grow Ahead and explains in greater detail the role played by Grow Ahead and the POs.

By participating in the Program or otherwise accessing or using the Website, you hereby acknowledge and agree that (a) Grow Ahead makes no representation, warranty, covenant or guarantee that any funds you lend to a Borrower via the Website will be repaid in whole or in part, (b) n/a ,(c) given your financial situation and objectives, you will lend only those amounts on the Website that you can afford to lose. Loans made via the Website are philanthropic in nature with no offered financial rate of return and, as such, are not intended as, and cannot be considered as, an investment in a financial instrument or security, and (d) you are at least 18 years of age with the capacity to understand and consent to the terms of this Agreement.

1. Loan Disbursement. You understand that Loans are not made directly to farmers, and that Grow Ahead lends to domestic Producer Organizations (each, a "PO" and, collectively, "PO’s") who work in under-banked or low-income communities and who through the loans are enabled to pay up front for farm produce from the farmers and thus provide affordable working capital to under-banked or low-income farmers. Funds loaned by you, the Lender, will be delivered to PO’s you have selected for ultimate payment for farm produce to farmers. In certain cases, farmers may receive from the PO’s goods and services funded by Loan amounts, such as agricultural packages, instead of the monetary amount of the Loan. Grow Ahead serves as a middle-man in the process and aggregates funds from multiple Lenders via the Website and delivers 100% of these funds on a net billing basis (excluding the interest earned, if any, on such funds while they are held in a Grow Ahead user loan funds account, which interest is contributed to fund Grow Ahead's operations) to the PO(s) for payment to the farmers before or at delivery of the farm produce. The loans to the PO’s are always disbursed in US$.

The selection of PO’s to receive the loans offered to Lenders online is made by Grow Ahead’s board of directors and staff in consultancy with producer networks who works with PO’s to train and capacity build farmers and therefore has experience in and knowledge of the quality of the PO and its’ farmers.

1.2 Loan Repayment. Loans are repaid directly to the Lenders by Grow Ahead once PO has repaid the loan. You hereby acknowledge and agree that neither the PO nor the farmer will have direct contractual obligation or liability to pay you any principal and that Grow Ahead is obligated to repay only such Loan principal to the extent actually received by Grow Ahead. None of Grow Ahead, its PO’s and farmers will have any obligation to pay interest on the Loan or other fees or amounts to you or any other Lender in connection with any Loan you make. At this time, Grow Ahead does not charge interest on any Loans posted on the Website. However, you should note that Grow Ahead charges a fee to Borrowers to, for example, cover their operational expenses.

1.3 Tax Deductibility. You understand that Grow Ahead is a non-profit corporation. Grow Ahead has applied for exemption with the Internal Revenue Service as an organization that qualifies as a public charity under Section 501(c)(3) of the Internal Revenue Code of 1986, as amended from time to time. You acknowledge, however, that because you are making a Loan and not donating any money, you are not eligible to receive a tax deduction as might otherwise be available in connection with a charitable contribution to a tax-exempt public charity. You also understand that you are solely responsible for determining the proper tax treatment for any Loan you make through the Website and the Program. Grow Ahead has not and will not provide any tax or legal advice to you in connection with any Loan you might make. This Agreement does not attempt to define the tax implications of participating in the Program. If you participate in the Program, you should consult with your own accountants, tax advisors and legal advisors.

1.4. Loan Records. Records of each Loan you make (including this Agreement and any repayment history) are kept by Grow Ahead and, if you have a registered account with Grow Ahead and upon your written request, will be made available to you at any time throughout the term of the Loan. Information regarding the amount of funds you have invested or the amount available in your Grow Ahead account that is available to be lent to another PO on the Grow Ahead platform can also be accessed via your Grow Ahead online account.

1.5 Principal Loss Scenarios. You understand and hereby consent (without any prior notice thereof) to Grow Ahead’s agreement to restructure the repayment plan for your Loan and/or to extend the length of the term of your Loan, if, in Grow Ahead's sole discretion, such steps may increase the chances that your Loan is repaid or that a portion of your Loan is repaid. Grow Ahead will generally deem a Loan to be in default if Grow Ahead determines that the fulfillment of a farm produce delivery contract exceeds the contractual delivery time by twelve (12) months, although case by case differences may exist, depending on factors such as pending prospects for repayment of the Loan, country context, and related system and regulatory constraints.

If for any reason the cumulated value of defaulted loan, you agree that Grow Ahead shall have no liability therefore, and you hereby release and forever hold harmless Grow Ahead for any loss you may incur. You should consult with your accountant and/or tax advisors to determine the appropriate tax treatment of such a loss.

1.6 Insufficient Lender Funds. In the event that you make a Loan and your payment does not clear (e.g., an eCheck does not validly deliver to Grow Ahead the full amount of the intended Loan, or your payment provider reverses a payment originally intended for Grow Ahead), you agree that Grow Ahead may, in its sole discretion, (i) offset the amount of the insufficiently funded Loan against your Grow Ahead Credit or (ii) withdraw and cancel your insufficiently-funded Loan from your account as not paid in full.

1.8 User Account Inactivity; Instructions for Auto-Donation of Funds to Grow Ahead or Auto-Withdrawal Return of Funds to User; Potential Escheatment of Funds. Grow Ahead welcomes its Users' active participation in the Grow Ahead Program. However, there may be occasions when a User becomes "inactive" for an extended period of time – i.e., a User does not respond to phone calls or written communication or there are no credits/withdrawals made to such User's account. Grow Ahead may implement Website features pursuant to which you may instruct Grow Ahead in advance as to how you wish any remaining balances in your account to be handled in the event your account were to become inactive for a period of 24 or more consecutive months -- namely, whether in such a case of User inactivity, you (i) wish to automatically donate remaining funds in your account to Grow Ahead's support for capacity building and livelihood improvement activities with coffee farmers in developing countries or (ii) wish to automatically donate remaining funds in your account to Grow Ahead's general operating expenses to further Grow Ahead's philanthropic mission or (iii) wish for Grow Ahead to return remaining funds in your account to you via Grow Ahead's standard account withdrawal process. Unless you notify Grow Ahead of another option as provided above, Grow Ahead may elect to automatically terminate the inactive User account, and return remaining funds in your account to you.
When you register on the Website, you will automatically be opted-in to instruct Grow Ahead to convert any remaining account balances, if your account is inactive for 24 or more consecutive months, as a donation to Grow Ahead's support for capacity building and livelihood improvement activities with coffee farmers in developing countries or general operating expenses to further Grow Ahead's philanthropic mission. If Grow Ahead has been recognized by the IRS as a tax –exempt non-private foundation under Section 501(c)(3) of the Internal Revenue Code at the time of your donation, your donation will be tax-deductible as a charitable contribution, to the extent provided by law.
In the event that your account shows no activity for an extended period of time and (i) you have not indicated an instruction to Grow Ahead through an inactivity preference selection described above or (ii) your instructions to have remaining balances returned to you cannot be successfully completed, whether due to invalid/incomplete information, your failure to claim the funds after thirty (30) calendar days have passed from the day Grow Ahead has forwarded the funds to you, a return of funds back to Grow Ahead as unclaimed after Grow Ahead has attempted to forward your funds to you, or for any other reason internal or external to Grow Ahead, then Grow Ahead may determine the appropriate allocation of the funds.

2. Proprietary Rights

"Grow Ahead", the "Grow Ahead" logo and other Grow Ahead graphics, logos, designs, page headers, button icons, scripts, names and branding are trademarks, service marks or trade dress of Grow Ahead ("Grow Ahead Marks"). Grow Ahead Marks may not be used, including, without limitation, as part of trademarks or domain names, in connection with any product or service in any manner that is likely to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Grow Ahead. Grow Ahead or its licensors own and retain all proprietary rights in the Program, the Website and all content, material and information posted, uploaded, transmitted or otherwise shared by Grow Ahead thereon (collectively, "Content"). The Website and Program contain the copyrighted material, trademarks and other proprietary information of Grow Ahead and its licensors. You may display and make limited copies of the Content (other than the Grow Ahead Marks) for your personal, non-commercial use in connection with your participation in the Program (except as provided herein), but you may not alter, modify, publish, distribute, publicly display or sell any Content or other such proprietary information, or otherwise copy, transmit or use any Content or other such proprietary information without the express, prior written permission of Grow Ahead.
If you post, upload, submit, transmit or otherwise share any messages or other content, information, images, photographs, pictures or other materials on the Website or to Grow Ahead in connection with or arising from your participation in the Program, including without limitation any feedback provided to Grow Ahead (collectively, "User Generated Content"), you agree to grant, and hereby grant to Grow Ahead an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to: (a) use, copy, perform, display and distribute the User Generated Content; (b) modify, alter, prepare derivative works of, and/or incorporate into other works, the User Generated Content; and (c) grant and authorize sublicenses of the foregoing. You represent and warrant that you have the right, power and authority to grant the foregoing license. In addition, you agree to release, discharge and agree to hold harmless Grow Ahead from any and all claims or liability, whether known or unknown, including any and all claims in connection with the publication, production, processing, distribution or exploitation of the User Generated Content, including, without limitation, any claims of infringement or violation of any intellectual property, moral, publicity, privacy or proprietary rights.

You acknowledge, consent and agree that Grow Ahead may, at its sole discretion and to the extent permitted by law, access, read, preserve and disclose your account information, usage history and User Generated Content in order to: (a) comply with any applicable law, regulation, legal process, or governmental request; (b) respond to claims that any Content violates the rights of third parties, including without limitation intellectual property rights; (c) enforce this Agreement and investigate potential violations thereof; (d) detect, prevent, or otherwise address fraud, security, or technical issues; (e) respond to your requests for customer service; or (f) protect the rights, property, or personal safety of Grow Ahead, its users, or the public. Please see the Privacy Policy for more information regarding the use and disclosure of your information as part of the Program.

The Website may contain (or you may be sent through the Website) links to other web sites ("Third Party Sites"), as well as content, information, images, photographs, pictures and materials (including, without limitation, text, graphics, designs, music, sound, video, information and software) belonging to or originating from third parties ("Third Party Content"). Such Third Party Sites and Third Party Content are not investigated, monitored or checked for accuracy, appropriateness, or completeness by Grow Ahead, and Grow Ahead is not responsible for any Third Party Sites accessed through the Website or any Third Party Content posted, uploaded, transmitted or otherwise shared on the Website, including without limitation the content, accuracy, offensiveness, opinions, reliability or policies of or contained in the Third Party Sites or the Third Party Content. Inclusion of or linking to any Third Party Site or any Third Party Content does not imply approval or endorsement thereof by Grow Ahead. If you decide to leave the Website and access a Third Party Site, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Website.

3. Acceptable Use & Privacy Policy

Privacy statement: GROW AHEAD does not sell, rent or share your personal information with any third parties.

By establishing an account on GROW AHEAD you agree to receive emails based on your account activity, for example, confirmations of loans you have made, confirmation receipts for donations you have made, notifications of loan repayments you have received, statements on the amount of credit available in your GROW AHEAD account, confirmation of email address or password changes, or costumer service inquiries regarding activity in your account.
You may access and use the Website for your personal, non-commercial use in connection with the Program. The Website may not be accessed or used by you in connection with any other endeavors -- commercial or otherwise -- except as previously approved in writing by an authorized representative of Grow Ahead. Your access and use of the Website and participation in the Program shall be in strict compliance with this Agreement, including, without limitation, Grow Ahead's Privacy Policy, all other procedures and guidelines set forth on the Website and as part of the Program, as well as applicable law. You may not use the Website in any manner that could damage, disable, overburden or impair the Website or software, systems or equipment of Grow Ahead, any User, Field Partner or any other person. You may not engage in advertising to, or solicitation of, any User, Borrower or any other person to buy or sell any products or services through the Website. Only approved PO’s and their farmers may seek Loans on the Website or otherwise through the Program. You may not transmit any chain letters, junk email or "spam" to any User, Borrower or any other person. Grow Ahead has the right to investigate and take appropriate legal action (including, without limitation, civil, criminal and injunctive redress) against any illegal and/or unauthorized uses of the Website or exploitations of the Program, including collecting or harvesting (whether or not by automated scripts) the name, email address or any other personal or confidential information of any User, Borrower or any other person by electronic or other means for any reason, including, without limitation, the purpose of sending unsolicited email and unauthorized framing of or linking to the Website.

Although Grow Ahead assumes no obligation to monitor the conduct of any User on or off the Website or through the Program, it is a violation of this Agreement to use the Website or Program, or any information obtained from the Website or Program, in order to: (i) harass, abuse, or harm another person (including, but not limited to, using profanity in lender messages or joining lending teams in bad faith), (ii) prevent or exclude others, who are using the Website in compliance with this Agreement, from accessing, viewing or funding a particular Loan profile, or (iii) contact, advertise to, solicit, or sell to any User, Borrower or other person without their prior explicit consent. In order to protect such persons from such advertising, solicitation or harassment, Grow Ahead reserves the right to remove content from the Website that violates acceptable use in Grow Ahead's sole discretion. Grow Ahead reserves the right at all times (but will not have an obligation) to remove or refuse to post or distribute any Third Party Content, and to restrict, suspend or terminate the participation of any User or any lending team from the Website and the Program at any time, with or without prior notice. Without in any way limiting the foregoing, it is a violation of this Agreement to post, upload, submit, transmit or otherwise share any content, including, but not limited to, written materials or images, that in Grow Ahead's opinion is obscene, harassing, contains profanity, or may be hateful or offensive on racial, ethnic, sexual or any other grounds; is harmful, vulgar or distasteful; contains graphic or gratuitous violence; or is defamatory, libelous, or invades another person's privacy or proprietary rights.

In consideration of your use of the Website or participation in the Program, you agree to (a) provide accurate, current and complete information about you as may be prompted by any registration forms on the Website ("Registration Data"); (b) maintain the security of your password and identification; (c) maintain and promptly update the Registration Data, and any other information you provide to Grow Ahead, to keep it accurate, current and complete; and (d) be fully responsible for all use of your account and for any actions that take place using your account. You agree not to impersonate any person or entity.

4. Disclaimers

Grow Ahead is not responsible, and shall have no liability, for any incorrect or inaccurate content posted on the Website or any liability, cost or expense you may incur in connection with the Website or Program, whether caused by any User, Borrower or other person or by any of the equipment or programming associated with or utilized in the Program. You also acknowledge and agree that Field Partners are not liable for content created and posted on the Website. Grow Ahead is not responsible for the conduct, whether online or offline, of any User of the Website or any other person. With respect to the Website and Program, Grow Ahead assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any communications.

Under no circumstances will Grow Ahead be responsible for any loss or damage, including, without limitation, personal injury or death, resulting from any use of the Website or participation in the Program, including without limitation any content posted, uploaded, submitted, transmitted or otherwise shared on the Website or any interactions between any Users of the Website or Program, whether online or offline. Grow Ahead does not represent, warrant, covenant, guarantee or promise any specific results from use of the Website or the Program.

THE WEBSITE AND PROGRAM, INCLUDING, WITHOUT LIMITATION, ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY SERVICE OR ADVICE PROVIDED IN CONNECTION WITH THE PROGRAM, IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEBSITE AND PARTICIPATION IN THE PROGRAM.

Grow Ahead makes no representation or warranty, express or implied, with respect to any third party data provided to Grow Ahead or its transmission, timeliness, accuracy or completeness, including but not limited to implied warranties or warranties of merchantability or fitness for a particular purpose. Grow Ahead will not be liable in any way to you or to any other person for any inaccuracy, error or delay in or omission of any third-party data or the transmission or delivery of any such third party data and any loss or damage arising from (a) any such inaccuracy, error, delay or omission, (b) non-performance or (c) interruption in any such third party data due either to any negligent act or omission by Grow Ahead or "force majeure" or any other cause beyond the control of Grow Ahead.

5. Limitation of Liability

You understand that any and all decisions made by you with respect to the Website and Program are yours alone. Grow Ahead cannot and does not verify the accuracy of information from Users or Borrowers. Grow Ahead shall not be responsible, or have any duty or obligation to, or liability for: (a) decisions or interactions resulting (directly or indirectly) from participation in the Program; or (b) any damages, costs, losses or expenses a User incurs as a result (directly or indirectly) of making a Loan to a Borrower or as a result (directly or indirectly) of utilizing the Program or information received in connection with the Program. In addition, in no event will Grow Ahead be liable to you or any third person for any damages, costs, losses or expenses, including any lost capital, lost profits or special, incidental, consequential or punitive damages arising from your use of the Website or participation in the Program, even if Grow Ahead has been advised of the possibility of such damages, costs, losses or expenses.

6. Disputes with other Users and Borrowers

Grow Ahead is not responsible for your interactions with any other User or any Borrower (even to the extent prohibited by this Agreement) and any disputes or damages that may result from such interactions.
Grow Ahead reserves the right, but has no obligation, to monitor disputes between you and such persons.

7. Governing Law; Resolution of Disputes; Arbitration and Waivers

This Agreement is governed by the laws of the State of Minnesota, USA, without regard to its choice of law or conflict of law provisions. If any dispute arises between you and Grow Ahead, including, without limitation, any dispute arising from or relating to the Website or the Program, you agree that all such disputes will be determined exclusively by final and binding arbitration, in accordance with the then existing commercial rules of the American Arbitration Association if the amount claimed is greater than $100 and otherwise over the telephone or in another city in which Grow Ahead is located. The arbitration shall be heard and adjudicated by one arbitrator to be selected by you and Grow Ahead. Any award will be final, binding and conclusive upon the parties, subject only to judicial review provided by Minnesota statute, and a judgment rendered on the arbitration award can be entered in any court having jurisdiction thereof. Notwithstanding the foregoing, either you or Grow Ahead may seek any injunctive relief in a state or federal court in Minnesota, as may be necessary to preserve rights pending the completion of arbitration and Grow Ahead may seek any injunctive relief in a state or federal court in Minnesota, or another court of competent jurisdiction, at any time against any violations of Section 2 (Proprietary Rights) or Section 3 (Acceptable Use) of this Agreement. The records kept in Grow Ahead shall be conclusive of the facts and matters they purport to record.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, BY AGREEING TO SUBMIT ALL DISPUTES TO BINDING ARBITRATION, YOU AND GROW AHEAD HEREBY WAIVE YOUR RIGHT TO A JURY OR COURT TRIAL OF ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR BASED UPON THIS AGREEMENT OR ANY CONTEMPLATED USE HEREIN, INCLUDING CONTRACT, TORT, BREACH OF DUTY AND ALL OTHER CLAIMS, EXCEPT AS SPECIFICALLY PROVIDED ABOVE.

You waive, to the maximum extent not prohibited by law, any right you may have to claim or recover, in any legal action or proceeding, any special, exemplary, punitive or consequential damages.

8. Indemnity

You agree to indemnify and hold Grow Ahead harmless from any loss, liability, claim, or demand, including reasonable attorney's fees, made or incurred by any third party due to or arising (directly or indirectly) out of your use of the Website or participation in the Program or arising from your breach of this Agreement.

9. Term; Termination

This Agreement will remain in full force and effect while you access or use the Website or participate in the Program as a User and, notwithstanding anything herein to the contrary, this Agreement will remain in effect after your participation in the Program and registered account is terminated. From time to time, Grow Ahead may make features available to Users as part of the Program. Grow Ahead reserves the right, in its sole discretion, to include or cease providing these features at any time. Whether or not you are and remain eligible to participate in the Program, use the Website or any Grow Ahead services, may be determined by Grow Ahead in its sole and absolute discretion. You may terminate your participation in the Program and registered account at any time and for any reason by sending a written notice of termination to Grow Ahead along with instructions for the disposition of your then-available Grow Ahead Credit and any additional credits that you may receive in the future (e.g., based on repayments of then-outstanding and active Loans), such notice to be effective within three (3) days of receipt by Grow Ahead. Grow Ahead may also terminate your participation in the Program and registered account at any time and for any reason, effective upon transmission of notice to you at the email address you provide to Grow Ahead. Upon such a Grow Ahead-initiated termination, your available Grow Ahead Credits shall be returned to you within thirty (30) days of account termination and any Grow Ahead Credit you may receive in the future shall also be returned to you in due course. If your participation in the Program and registered account is terminated by Grow Ahead, you agree not to access or use the Website or participate in the Program. If you violate this Agreement or if your participation in the Program or registered account is terminated, Grow Ahead has the right to delete your profile and remove your User Generated Content. Any notices we give you shall be given in writing to your email address or via the Grow Ahead platform.

10. Entire Agreement; Severability

This Agreement, accepted upon your access and use of the Website or participation in the Program and further affirmed by becoming a User, contains the entire agreement between you and Grow Ahead regarding the use of the Website or the Program. This Agreement may not be orally amended. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect. If any part of this Agreement that is not fundamental is found to be illegal or unenforceable, such finding will not affect the validity or enforceability of the remainder of the terms or use.

11. Contacting us

Please contact us at [email protected] with any questions regarding this Agreement or by regular mail at Grow Ahead Foundation, PO Box 86104
Portland, OR 97286