Jeena Sikho Kashmir

Consultation Call:+919622018825 You are cordially welcomed to our page pearlvine international Jammu and Kashmir, thank you so much for following and supporting us, if you've got a little time with you then don't leave before knowing our life changing business system. How it's unique crowd funding Based System globally??? let's know in a lucid language...

*Pearlvine Robotic software*
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Social and e-commerce website* *(digital revolution)*
*A new way to change the world*

* *what's pearlvine**????? Pearlvine international is group of high and open minded people in the world who dream and dare to live happily with peace and brotherhood and see their future as bright as sun. Neither there's an owner of this group nor it has any branch anywhere in the world. It works by a special type of software that's the world's finest, fast and unique creation. It's designed in such a way that it will remain as long as internet remains in the world. This software will continue to work. The data contained in it is completely secured and hidden. There's no such external element that can have access and control over it. The data of its registered users can not be viewed in anyway only the user is able to access his data at own. A lot of work has been done to protect pearlvine.com its servers have been given a multi layered security for its complete security, protection and safety. Why join in pearlvine international??? Pearlvine international system gives you an opportunity to make your future bright and gives you financial freedom/independence. How I join in pearlvine international??? To join pearlvine international system all you need is to sponsor or refferal. What are the benefits??? In pearlvine system the brand promoters and users are the most important part of the business and pearlvine provides the rewards to its users by a specially generated compensation plan

Pearlvine means "string of beads"

overview

Pearlvine.com is your premier source for everything DP (Digital Point) related. We can help you buy DP. You can also read the latest news, or engage with the community on our Pearlvine Forum. Please keep in mind that this is a commercial website that exchanges and other DP related Transactions. What is DP (Digital Point)

DP is a peer-to-peer Internet currency that enables instant and easy cost payments to anyone in the world. DP is an open source of global payment network that is fully decentralized without any central authorities. The extremely fast and high end servers secures the network and empowers individuals to control their own finances. DP features faster transaction confirmation times and improved storage efficiency than the leading math-based currency. DP is a digital unit that is created through a process called ‘Buying’. Just like the barcodes of several items on the bill of your shopping list, each digital DP is unique. The terms DP and DP are absolutely same, as per conditions. DP is the dividend unit of the Pearlvine system. Neither it is possible to intrude into the system of Pearlvine system, nor anyone can extract DP outside of the system from any source for its various purposes. Unlike the paper money issued by governments, there’s a finite number of DP, ensuring that they cannot be affected by inflation and impossible to produce counterfeits. Just because the Virtual currencies are not tied to any particular country or central bank, the value of the DP depends on factors such as ability to use, demand and supply. After joining DP, users become part of a global network of millions of DP buyers, who are able to choose among different ways to use their DPs. You can buy DP and can gain a lot of benefits from its value. In updates you will be able to make payments and transfer money to and any part of the world from any corner of this planet having internet networks. DP’s new and unique wallet string will set a new industry standard by storing KYC (Know your customer) information, it will work 24x7 and is tailored to customer and merchant needs for their various personal chores. With its finite number of 100 billion DP, DP is also the biggest reserve currency worldwide, DP is a medium of exchange like normal currencies such as USD, but designed for the purpose of exchanging digital information through a process made possible by certain principles. These principles are used to secure the transactions and to control the creation of new DP i.e. often referred to as DP. In easy words, virtual currency is electrically converted into lines of code with monetary value. In the simplest of forms, DP is a digital number. pearlvine will never end. Pearlvine International is the first company in the world to audit its Wallet string by an external, independent auditor. The objectives of the audit are to assess the consistency of the Wallet string and to verify that no DP is going to be purchased outside of the wallet string. This proves that all existing transactions are included in the wallet string and are consistent. The procedure of verifying the transactions requires that a number of automatic tests are performed in order to comply with the objectives. The first procedure is to prove that all transactions are included in the wallet string and no transaction are possible outside of the wallet string. The second procedure is to prove that the wallet string is consistent, meaning that each transaction’s inputs and outputs corresponds and can be tracked back to the very first transaction. The procedure of verifying the wallet string has been designed to confirm that all Wallets are consistent, i.e. that each Wallet follows the previous one and that there is no error in the Wallet sequence. Secondly, the wallet string must contain the transactions validated in the tests from the previous paragraphs. So far, the results of each wallet string audit have verified that each and every transaction is true and the wallet string is consistent. So far, the results from each wallet string audit clearly show that the DP wallet string is consistent it means there is no DP Buying outside of it and there is no alteration to the wallet string . The member see the number of DP Buying on the website is the actual, real-time data is used and no more or less DP is there as stated on the website. The audit of the wallet string proved that the wallet string of DP is consistent and that the number describing the amount of DP Buying, as seen on the counter of user’s Dashboard of the website, is accurate. Virtual Currency: (Regulation)

Virtual currency is a part of our life for the past years and since then the system has been developing with rapid speed. In the current world, only a few of these types of virtual currencies are available in the market. There are amazing opportunities for innovation, but there are also cases hints that, in general, virtual currency also uniquely suits to facilitate dubious behavior. Regulatory challenges related to virtual currency are mainly linked to the anonymity of transactions and the decentralization of financial dealings. The authority’s goal is to prevent the possibility of using virtual currency as a means for criminal activity. Considering the fact that each virtual currency has unique traits, we believe that DP and every other virtual currency on the market should be assessed by regulators based on its unique traits. To prevent individuals from engaging in criminal and unwanted behavior, DP monitors its clients and implements rules aligned with the legal development. For example, to prevent money laundering, identity theft, financial fraud and terrorist financing, DP has implemented KYC (know-your-customer) rules, thus disrupting any possible misconduct by its users. Pearlvine Management Team:

The DP Management Team is dedicated to drive positive change and offer safer and faster DP services to people worldwide. We carefully monitor the system and comply with all rules and regulations, thus fulfilling our commitment to user for transparency, compliance and business excellence. Thanks to the business acumen of the DP Founder and Visionary Dr. Daniel Johnson, Hopefully DP will be the largest virtual currency in the world in year of 2020. KYC POLICY: PEARLVINE INTERNATIONAL

By requesting documentation Pearlvine proves the identity of each user and makes sure that each transfer made, using the protocol, is not anonymous. Since global business opportunities demand a sophisticated international customer identification and verification solution, the KYC policy adopted by Pearlvine includes identifying the user and verifying the identity by examining reliable and independent documents. All submitted documents of identity remain confidential. Each user has to go through a verification procedure, every time his or her identity information is required. The KYC information requested includes name, residential address, country and date of birth as provided to Pearlvine account registration. DP will be the first virtual currency storing the KYC documents of its users in its new wallet strings. Privacy Policy:

Pearlvine International takes your privacy very seriously. This Privacy Policy applies to pearlvine.com (for purposes of this Privacy Policy, "websites" includes https://pearlvine.com our mobile websites, and our mobile applications. Capitalized terms used but not defined in this Privacy Policy have the meanings assigned to them in our User Agreement. We are committed to protect our customer’s privacy and security. This Privacy Policy explains what personal information we collect about you, with whom we share it, and how you (the user of the Service) can direct us not to share certain information with certain parties. "Personal Information" refers to information that can be used to identify an individual. You should read this Privacy Policy in its entirety. Certain sections may apply differently to residents of different Countries. Information collected by us

We may collect the following information about you, your Recipient, or your Beneficiary, which may include non-public Personal Information:

Information that you provide us in the course of using the Service, such as your name, mailing address, email address, and telephone number(s). We may also collect certain sensitive information from you including your bank account number, Bank Name, IFSC Code, date of birth and other id proofs. Information that you provide us in the course of your participation in DP System. Information about your usage of the Service, including your Transaction history, how you use the Service to send or receive Transactions, and to or for whom you send Transactions. Information that we indirectly obtain from you, such as information about the device, hardware and software you use when accessing the Service, your IP address, the pages you access on our websites, and other websites that you visit prior to accessing the Service. We may combine this automatically collected log information with other information we collect about you. We do this for fraud prevention, to improve our Service, and to improve our marketing, analytics, or website functionality; Recordings of your communications with our Customer Service department, including telephone calls and electronic communications; and type of device you use, operating system version, and the device identifier. We do not ask you for, access or track any location-based information from your mobile device at any time while downloading or using our mobile applications or Service. We may occasionally send you push notifications through our mobile applications to send you marketing messages and other Service or Transaction-related notifications that may be of importance to you. You may at any time opt-out from receiving these types of communications by turning them off at the device level through your settings or through the mobile application settings. We and our third-party service providers, including our marketing partners and analytics providers, may also use cookies, web beacons, tags, scripts and similar technology ("Cookies"). Cookies are small data files that are placed on your computer or mobile device to, among other things, administer the website, track and analyze trends in your use of our websites, remember your preferences when you return to the website and gather information about our users as a whole. The information we store in the Cookies we place may include your email address in addition to non-Personal Information. We may receive reports from third-party service providers based on their use of Cookies about our users on an individual or aggregated basis. As its true for most of the websites, we gather certain information automatically and store it in log files. This information may include your internet protocol (IP) address, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or click stream data. From time to time, we may combine this automatically collected data to other information we collect about you for reasons such as analysis, security, content generation or marketing. We may use mobile analytics software to allow us to better understand the functionality of our mobile software on your mobile device. This software may record information such as how often you use the mobile applications, the events that occur within the mobile applications, aggregated usage, performance data, and from where the mobile application was downloaded. We may link the information we store within the analytics software to any Personal Information you submit within the mobile applications. Why we collect information? We collect information for the following purposes:
To process your Transactions;
To verify your identity;
To collect payment for your use of the Service;
To troubleshoot problems with the Service;
To comply with applicable laws, regulations, and rules, such as those relating to "know-your-customer" and anti-money laundering requirements;
To detect and prevent fraud and other illegal uses of the Service;
To send you marketing notices, service updates, and promotional offers;
To contact you by telephone using auto-dialed or pre-recorded message calls or text (SMS) messages (if applicable) as authorized for the purposes described in this Privacy Policy. We will retain your account information, including but not limited to your payment source information and Personal Information about you, your Recipient, or your Beneficiary, as needed to provide you Service, as required by applicable laws, to resolve disputes and to enforce our agreements. Pearlvine abides by strict security standards, but if you wish to cancel your account and stop using pearlvine's Service, contact us at [email protected] , We will not continue to retain your account information after your account is cancelled as required under applicable law, regulations, and rules. How we share information with others:

We do not sell or rent the information we collect from third parties for their promotional purposes unless we receive your permission to do so. Nevertheless, we may share information about you, your Recipient, or your Beneficiary (including nonpublic, Personal Information) with. Third-party service providers under contract with pearlvine that help us with our business operations, such as transaction processing, fraud prevention, and marketing. We share your Personal Information with these companies only as necessary to provide you with our Service; Third-parties that we partner with to offer additional products and services, such as long-distance telephone minutes, gift cards or loyalty points, but only when you elect to participate, and/or to receive information about those additional products and services. If you do not want us to share your Personal Information with these partners, contact us at [email protected]. In the event of the sale, acquisition or merger of some or all of our assets, Personal Information about you, your recipient or your beneficiary might be a part of the transferred assets. We shall notify you in the event of such an occurrence and inform you of any choices you may have regarding your Personal Information, by placing a notice on our websites. When we believe in good faith that disclosure is necessary to comply with the law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our User Agreement. Our websites offer publicly accessible blogs. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. Please do not post any information you prefer to keep private, including but not limited to your email address, mailing address, or pearlvine transaction information. Access to your information:

If your personal information changes, or if you no longer wish to use our Service, you can access, modify, delete or update your Personal Information submitted on our websites by logging in to your account and changing your preferences or by contacting pearlvine Customer Service at [email protected]. We will respond to your request within a reasonable timeframe. Security:

We employ industry-accepted standards in protecting the information you submit to us on our websites. We have put in place SSL [Secure Socket Layer] encryption technology to protect your sensitive information transmitted on our websites. We also require a username and password from each user who wants to access his or her information on our websites. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. Choices you can make about our use of your information:

Federal and state laws allows you to restrict the sharing of your Personal Information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your Personal Information that you may restrict is as follows:

Complaints:

If you have a complaint, contact pearlvine Customer Service at [email protected]

User Agreement:

This User Agreement is effective as of 01/12/2015 and governs the terms under which you may access and use pearlvine’s websites (for purposes of this User Agreement, "websites" includes www.pearlvine.com, our mobile websites, and our mobile applications) and the services associated with it (the "Service"). Do not access or use the Service if you do not agree to be bound by the User Agreement. By accessing and using the Service, you are agreeing to the User Agreement. Overview of the service

The Service is intended for our registered users to send DP transfers and receive / Funds transfer and receive to/from our other registered users. We recommend that you use the Service only to send/ recieve DP/funds to people carefully. You should never use the Service to send DP or funds to non-registered users. CONSUMER FRAUD ALERT:

PROTECT YOURSELF FROM SCAMS AND FRAUD. Only send DP or Funds to people very carefully, safeguard your password & OTP, send for yourself and not on behalf of others, and use pearlvine for personal purposes only. Click here to learn more about sending DP safely with pearlvine. Please let us know immediately if you believe someone is trying to scam or defraud you or if your pearlvine username or password have been lost or stolen by email at [email protected]. The Service allows people to send and receive DP and Funds around the world. A "Sender" is someone who uses the Service to send DP or Funds. A "Recipient" is an individual (Registered user of Peralvine) who receives DP or Funds from a Sender. Accessing the service

Eligible Users. You must be at least eighteen (18) years old to access or use the Service. You must be able to form legally binding contracts under applicable law. Other restrictions may apply. Mobile Services. The Service is also accessible via a mobile device. To the extent you access the Service through a mobile device, your wireless service carrier's standard charges, data rates and other fees may apply. You affirm that your Beneficiary has authorised you to access his or her account information and to permit pearlvine to collect and verify information about your Beneficiary. Not Available to Certain Users. The Service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations. Offer and acceptance
If you submit a Transaction, you are requesting that we process your Transaction, an offer which we may accept or reject at our sole discretion from our place of business. Payment Charges. For each Transaction that you submit, you agree to pay us a transaction fee (the "Transaction Fee") plus the Transaction Amount. Additional charges may apply. Payment is due at the time your Transaction is submitted for processing. PearlVine DP only accepts payment in U.S. Dollars. If you submit a Transaction that results in DP's being charged transaction fees, Admin fees, or other similar fees, you agree to reimburse us for all such fees. For Transactions funded from the Sender's bank account, you agree that DP may from time to time debit your DP account for less than the amount of the transfer (i.e., for a transfer of $500, DP may debit $498 from the DP account), as part of our effort to confirm ownership of the account. Payment. In order for us to collect payment from you, you must authorize us to access, charge, or debit funds from any of the payment instruments you provide us in connection with your use of the Service (each, a "Payment Instrument") including, for example, your credit card, debit card or bank account. We do not accept prepaid payment cards as a Payment Instrument. If your payment fails or is insufficient, we may re-try debiting your Payment Instrument one or more times or you may authorize us to try debiting a different Payment Instrument. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account or charge your credit card at a later time. You represent and warrant that you are the lawful owner of your Payment Instrument(s). Other Charges. DP is not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. For example (without limitation), your credit card issuer may charge you a cash advance fee and interest if you use a credit card as a Payment Instrument. DP is not responsible for any such fees, nor are we responsible for non-sufficient funds charges, charge back fees, or other similar charges that might be imposed on you by your bank, credit card issuer, or other provider in connection with your use of the Service. Transaction payouts
Service Providers. We work with local banks, DP exchange houses, and other third party service providers (each, a "Service Provider") to apply Funds and pay funds out to Recipients and Service Companies. You, in your capacity as a Sender, hereby appoint your Recipient as your agent for the purpose of receiving funds in connection with the Service. We attempt to provide up-to-date information on our websites regarding the location, availability, and hours of our Service Providers. However, you agree that Pearlvine DP is not responsible for any inaccurate or incomplete information that may be posted on its websites. Verification. Recipients may be required to prove their identity before receiving funds by presenting valid, unexpired identification document(s) from a list of acceptable forms of identification. In addition, Recipients may be required to provide a Transaction number and/or another, similar identifier associated with their Transaction. You give Pearlvine DP permission to contact your Recipient or the Service Company and store all such data, as necessary to provide the Service. Please verify account information and bank details are correct prior to submitting your Transaction because Pearlvine DP is not responsible for detecting inaccuracies. If account information and bank details are incorrect, Funds may be applied to the wrong phone number or DP may be sent to the wrong bank account and may not be recovered. Restrictions General. We may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per Transaction basis or on an aggregated basis without prior notice. Any such limits may be imposed on individual accounts or on related accounts or households, in Pearlvine DP's sole discretion. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice. Delays. Your Transaction may be delayed or cancelled at any time prior to your Recipient's or the Service Company's receipt of the Payout Amount without prior notice. We may delay or cancel your Transaction for reasons that include, but are not limited to: identity verification; validation of your Transaction instructions and Payment Instruments; fraud and anti-money laundering compliance review; contacting and locating you, your Beneficiary, the Service Company, or your Recipient; qualification or disqualification for DP (as defined below); and to comply with applicable law. Business hours, systems availability and currency availability of our Service Providers may also cause delays. Nevertheless, you may be entitled to a refund in certain circumstances, as described below in Section 9.Commercial Transactions. You agree that you will only use the Service to send DP or Funds to people or for Beneficiaries that you know personally and for personal reasons. If Pearlvine DP discovers you are using the Service for commercial purposes, including (without limitation) to purchase goods or pay for services other than payments made to Service Companies specifically provided for by the Service, we may, in our sole discretion, cancel your Transaction(s) and close your account. Unauthorized Transactions. You may not use the Service in violation of this User Agreement or applicable laws, rules or regulations. It is a violation of this User Agreement to use the Service for any of the following activities (without limitation): sexually-oriented materials or services; gambling activities; fraud; Money-laundering; funding terrorist organizations; purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances; or sending DP or Funds to a Recipient or for a Beneficiary that has violated the User Agreement. If you use the Service in connection with illegal conduct, Pearlvine DP reserves the right to report you to the appropriate law enforcement agency or agencies. The Service is intended for our customers to send DP transfers and Funds to other registered users. We may, in our sole discretion, cancel any Transaction and close any account that we suspect is being utilized for any purpose prohibited by this User Agreement including for commercial purposes, including (without limitation) for purchases of goods or payments for services of any kind. You acknowledge that Pearlvine DP is not liable for your use of the Service in violation of this User Agreement, including all risks associated with the purchase of goods or payment for services of any kind, such as (but not limited to) losses you suffer for undelivered or defective goods and services you pay for using the Service. Ineligibility. Not all Payment Instruments are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. We may, in our sole discretion, refuse Transactions from certain Senders, for certain Beneficiaries or to certain Recipients or Service Companies, including without limitation, entities and individuals that are included on the Specially Designated Nationalist, Non-cooperative Countries and Territories list, and such other lists as may be issued from time to time by the U.S. Department of Treasury and other government agencies. Others. You may not submit or receive a Transaction (i) on behalf of any other person, (ii) on behalf of a business or other non-human entity or (iii) on behalf of a charitable organization without pearlvine's express consent. You may send Transactions to Service Companies for Beneficiaries whom you know personally. We may, at any time and in our sole discretion, (A) refuse any Transaction, or (B) close multiple accounts held by an individual, persons related to the individual or persons living in the same household as the individual. No Changes. We generally do not let you change the details of your Transaction once it has been submitted to us for processing. We rely on the information you provide and it is your responsibility to make sure your Transaction details are accurate before you submit your Transaction for processing. Restricted Activities. As a user of our websites or Service or in the course of your interactions with pearlvine, you will not: Breach this User Agreement, or any other agreement between you and pearlvine; Open more than one account; Provide false, inaccurate, or misleading information; Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us; Use an anonymously proxy; Provide yourself a cash advance from your credit card (or help others to do so); Share Transaction numbers or information with anyone except the Service Company, your Recipient, or Beneficiary, and you will advise your Recipient or Beneficiary not to share Transaction numbers or information; or Violate any other restrictions in this User Agreement. Transactions to India
Pearlvine processes transactions to India pursuant to the Rupee Drawing Arrangements ("RDA"), as established by the Reserve Bank of India. You understand that use of the Service for commercial purposes or contributions to charitable organizations is prohibited. Collection of information
By agreeing to this User Agreement, you acknowledge and consent to pearlvine's Privacy Policy which is an agreement between you and pearlvine. The Privacy Policy can be found on our websites or by clicking here: Privacy Policy Customer Identification Program. To help the government fight the funding of terrorism and Money laundering activities, U.S. law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information about you, your Recipient or your Beneficiary. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit our websites. Please see our Privacy Policy. Verifying information. You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your e-mail address, mobile device or financial instruments, or verifying your information against third party databases or through other sources. This may also include verifying your Beneficiary's information. Errors and Problems
Errors. You have a right to dispute errors in your Transaction. If you think there is an error, contact us within 3 days of the Transaction at :[email protected] . You can cancel for a full refund within 30 minutes of authorising your Transaction, unless the funds have already been picked up, deposited, delivered, or paid to the Recipient. For questions or complaints about pearlvine, contact us online; by [email protected]. We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary state to state. Notwithstanding the foregoing, you may have a right to a refund as expressly described herein. Indemnity
You agree to indemnify and hold pearlvine, its suppliers, vendors, Service Providers, Service Companies and their respective subsidiaries, officers, agents, partners, employees, and consultants harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the User Agreement, or your violation of any rights of a third party. Limitation of liability
EXCEPT FOR CLAIMS UNDER SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATING IN CALIFORNIA, IN NO EVENT SHALL PEARLVINE, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND TRANSACTION FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF PEARLVINE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF PEARLVINE, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS. Dispute resolution and governing law
Governing Law. This User Agreement shall be governed according to the laws of the State of California, and all activities performed in connection with the Service shall be deemed to have been performed in California. Any controversy, dispute, or claim arising out of or relating to the Service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of California, except that body of law governing conflicts of law. Disputes with pearlvine. If a dispute arises between you and pearlvine, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and pearlvine regarding the Service may be reported to Customer Service (See Section 18). Arbitration. For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, the party requesting relief may elect to resolve the dispute in a cost-effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through an established alternative dispute resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: (i) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, with the specific manner to be chosen by the party initiating the arbitration; (ii) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and (iii) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Forum for Disputes. Except as otherwise agreed by the parties or as described in Section 14(c) above, you agree that any claim or dispute you may have against pearlvine must be resolved by a court located in San Francisco County, California. You agree to submit to the personal jurisdiction of the courts located within San Francisco County, California for the purpose of litigating all such claims or disputes. Improperly Filed Litigation. All claims you bring against pearlvine must be resolved in accordance with Section 14 of this Agreement. All claims filed or brought contrary to Section 14 shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to Section 14, pearlvine may recover attorneys' fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD from you, provided that pearlvine has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim. Electronic communications
You acknowledge that this User Agreement shall be entered into electronically. Unless otherwise required by applicable law, the following categories of information ("Communications") will only be provided by electronic means and not in paper format or through other non-electronic means: (i) this User Agreement and our Privacy Policy and any amendments, modifications or supplements to them; (ii) your records of Transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; and (v) any other communication related to the Service or pearlvine. Electronic means may also include SMS, or texting. You may receive up to two (2) SMS alert messages for each Transaction if you agree to receive SMS messages from pearlvine. Message and data rates may apply when you receive SMS messages on your mobile phone. To stop receiving SMS messages from pearlvine, reply STOP from your mobile phone or contact Customer Service. You may withdraw your consent to receive all Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of this User Agreement. In order to access and retain Communications, you must have: (i) an Internet browser that is java-script enabled, and supports 128-bit encryption and the acceptance of first party cookies, (ii) an e-mail account and the capability to read e-mail from pearlvine, and (iii) a device and Internet connection capable of supporting the foregoing. Miscellaneous
Customer Updates. You must promptly update us with any change in your e-mail address and telephone number by updating your profile on our websites. If pearlvine does not have correct contact information, pearlvine may not be able to notify you with important information or changes in your Transaction status. Licenses. Most states in the United States require us to be licensed to process transactions for their consumers. Our licenses can be found by clicking here. Entire Agreement. The User Agreement constitutes the entire agreement between you and pearlvine and governs your use of the Service, superseding any prior agreements between you and pearlvine. No Waiver. The failure of pearlvine to exercise or enforce any right or provision of the User Agreement shall not constitute a waiver of such right or provision and shall not guarantee that pearlvine will repeat any such actions in the future. If any provision of the User Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the User Agreement as reflected in the provision, and the other provisions of the User Agreement shall remain in full force and effect. Modification. We may modify this User Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the User Agreement at any time by reviewing our websites. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this User Agreement and acknowledge that any attempts by you to modify this User Agreement shall be void. Language. In the event there is any inconsistency between the English and Spanish or other language text on our websites, including the User Agreement, the English text shall be binding. Special Notice for International Use; Export Controls. Software available in connection with the Service and the transmission of applicable data, if any, is subject to United States export controls. No Software may be downloaded from the Service or otherwise exported or re-exported in violation of U.S. export laws. Downloading or using the Software is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all local rules and laws regarding your use of the Service, including as it concerns online conduct and acceptable content. Apple-enabled Software Applications. Pearlvine offers Software applications that are intended to be operated in connection with products made commercially available by Apple Inc. ("Apple"), among other platforms. With respect to Software that is made available for your use in connection with an Apple-branded product (such Software, "Apple-Enabled Software"), in addition to the other terms and conditions set forth in this User Agreement, the following terms and conditions apply: pearlvine and you acknowledge that this User Agreement is concluded between pearlvine and you only, and not with Apple, and that as between pearlvine and Apple, pearlvine, not Apple, is solely responsible for the Apple-Enabled Software and the content thereof. You may not use the Apple-Enabled Software in any manner that is in violation of or inconsistent with the Usage Rules set forth for Apple-Enabled Software in, or otherwise be in conflict with, the App Store Terms of Service. Your license to use the Apple-Enabled Software is limited to a non-transferable license to use the Apple-Enabled Software on an iOS Product that you own or control, as permitted by the Usage Rules set forth in the App Store Terms of Service. Apple has no obligation whatsoever to provide any maintenance or support services with respect to the Apple-Enabled Software. Apple is not responsible for any product warranties, whether express or implied by law. In the event of any failure of the Apple-Enabled Software to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Apple-Enabled Software to you, if any; and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Apple-Enabled Software, or any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty, which will be pearlvine's sole responsibility, to the extent it cannot be disclaimed under applicable law. pearlvine and you acknowledge that pearlvine, not Apple, is responsible for addressing any claims of you or any third party relating to the Apple-Enabled Software or your possession and/or use of that Apple-Enabled Software, including, but not limited to: (i) product liability claims; (ii) any claim that the Apple-Enabled Software fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation. In the event of any third party claim that the Apple-Enabled Software or the end-user's possession and use of that Apple-Enabled Software infringes that third party's intellectual property rights, as between pearlvine and Apple, pearlvine, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties. If you have any questions, complaints or claims with respect to the Apple-Enabled Software, please contact pearlvine using the Contact Information below. pearlvine and you acknowledge and agree that Apple, and Apple's subsidiaries, are third party beneficiaries of this User Agreement with respect to the Apple-Enabled Software, and that, upon your acceptance of the terms and conditions of this User Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this User Agreement against you with respect to the Apple-Enabled Software as a third party beneficiary thereof. Security

Your security and the integrity of your account is a top priority and Pearlvine works hard to make sure that your information is secure. Pearlvine DP is a safe and convenient way to send DP or Funds to, or pay bills for, family members and other people that you trust. However, scams and fraudsters are abundant and we urge you not to send DP or Funds to, or make bill payments for, anyone that you do not know personally. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, please contact us immediately by e-mail us at [email protected]. If you receive any fake (phishing) e-mails purporting to be from pearlvine, please forward them to us at

[email protected]

Nations prohibited by Pearlvine

Sudan
Syria
Pakistan
North Korea
Cuba
Iraq
Libya
South Yemen

Pearlvine is a group of people with open thoughts, it gives message of peace and prosperity in the world. All the above countries have been banned by Pearlvine due to involvement in terrorist activities. Significantly, the United Nations has declared above countries a terrorist nation. The use of Pearlvine website in these countries is prohibited. And any citizen of these countries is willing to join Pearlvine anywhere in the world. If found, his ID will be cancelled immediately. Significantly, Pearlvine does not support terrorism in any way. Pearlvine gives message of humanity and peace. It is a symbol of wealth related freedom in the world. Pearlvine believes that terrorism is poison for humanity. Keeping in mind the perquisites of the Pearlvine system, the system has banned these countries and their citizens. The use of any service related to Pearlvine in all the above countries is strictly prohibited