Welcome to SAGE FI! By continuing to access our website, you are agreeing to our term and
conditions “Terms”. This Agreement governs your use of the website www.sagefiusa.com and
your purchase of any products from SAGE FI. Throughout the site, the terms “we”, “us” and
“our” refer to SAGE Fi. These Terms constitute a legally binding agreement between you and
SAGE FI, and you should read them carefully. Please discontinue use of our site if you disagree
with any the terms and conditions. By agreeing to these terms, you also agree to our Privacy
Policy, Return and Exchange Policy, and Shipping Policy. These terms of use apply to all users
of the site.
SAGE FI reserves the right to update, change, modify or otherwise alter these terms and
conditions at any time without notice. You can review the most current version of the Terms of
Service at any time on this page. It is your responsibility to check this page periodically for
changes. If you do not want to be bound by these terms, do not use or access any part of the
website. ANY ACCESS OR USE OF OUR WEBSITE BY YOU AFTER THE CHANGES
SHALL CONSTITUTE AS YOUR AGREEMENT TO THESE NEW TERMS.
The use of this website is subject to the following terms of use:
1. You may not use our products for any illegal or unauthorized purpose nor may you, in the use
of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
You must not transmit any worms or viruses or any code of a destructive nature. In addition to
other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or
its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any
unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws,
or local ordinances; (d) to infringe upon or violate our intellectual property rights or the
intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander,
disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity,
race, age, national origin, or disability; (f) to submit false or misleading information; (g) to
upload or transmit viruses or any other type of malicious code that will or may be used in any
way that will affect the functionality or operation of the Service or of any related website, other
websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam,
phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to
interfere with or circumvent the security features of the Service or any related website, other
websites, or the Internet. We reserve the right to terminate your use of the Service or any related
website for violating any of the prohibited uses. A breach or violation of any of the Terms will
result in an immediate termination of your Services.
2. We reserve the right to refuse service to anyone for any reason at any time. You agree not to
reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or
access to the Service or any contact on the website through which the service is provided,
without express written permission by us.
3. The material on this site is provided for general information only and should not be relied
upon or used as the sole basis for making decisions without consulting primary, more accurate,

more complete or more timely sources of information. Any reliance on the material on this site is
at your own risk.
4. We reserve the right to refuse any order you place with us. We may, in our sole discretion,
limit or cancel quantities purchased per person, per household or per order. In the event we make
a change to or cancel an order, we may attempt to notify you by contacting the email and/or
billing address/phone number provided at the time the order was made. We reserve the right to
limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or
distributors.
5. You agree to provide current, complete and accurate purchase and account information for all
purchases made at our store. You agree to promptly update your account and other information,
including your email address and credit card numbers and expiration dates, so that we can
complete your transactions and contact you as needed.
6. Certain content, products and services available via our website may include materials from
third parties. Third-party links on this site may direct you to third-party websites that are not
affiliated with us. We are not liable for any harm or damages related to the purchase or use of
goods, services, resources, content, or any other transactions made in connection with any third-
party websites. Please review carefully the third-party's policies and practices and make sure you
understand them before you engage in any transaction. Complaints, claims, concerns, or
questions regarding third-party products should be directed to the third-party.
7. These Terms of Service and any separate agreements whereby we provide you Services shall
be governed by and construed in accordance with the laws of United States.
8. You agree to receive recurring automated promotional and personalized marketing text (e.g.,
SMS and MMS) messages (e.g., cart reminders) from SAGE FI, including text messages that
may be sent using an automatic telephone dialing system, to the mobile telephone number you
provided when signing up or any other number that you designate. Consent to receive automated
marketing text messages is not a condition of any purchase. Msg & Data rates may apply.
Message frequency will vary. SAGE FI reserves the right to alter the frequency of messages sent
at any time, so as to increase or decrease the total number of sent messages. SAGE FI also
reserves the right to change the short code or phone number from which messages are sent and
we will notify you when we do so. Not all mobile devices or handsets may be supported, and our
messages may not be deliverable in all areas. SAGE FI, service providers, and the mobile
carriers supported by the program are not liable for delayed or undelivered messages.
Text the keyword STOP, CANCEL, or UNSUBSCRIBE to our phone number to cancel. After
texting STOP, CANCEL, or UNSUBSCRIBE to our number you will receive one additional
message confirming that your request has been processed. You acknowledge that our text
message platform may not recognize and respond to unsubscribe requests that do not include the
STOP, CANCEL, or UNSUBSCRIBE keyword commands and agree that SAGE FI and its
service providers will have no liability for failing to honor such requests. If you unsubscribe
from one of our text message programs, you may continue to receive text messages from SAGE
FI until you separately unsubscribe from all programs.

9. Any arbitration between you and SAGE Fi will be governed by the Federal Arbitration Act
and the Commercial Dispute Resolution Procedures and Supplementary Procedures for
Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration
Association ("AAA"), as modified by these Messaging Terms, and will be administered by the
AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA
at 1-800-778-7879, or by contacting SAGE FI. The arbitrator has exclusive authority to resolve
any dispute relating to the interpretation, applicability, or enforceability of this binding
arbitration agreement. If you or SAGE FI intends to seek arbitration, then the party seeking
arbitration must first send a written notice of the dispute to the other party by U.S. Mail
("Notice"). Attn: Chief Executive Officer. The Notice must: (i) describe the nature and basis of
the claim or dispute; and (ii) set forth the specific relief sought ("Demand"). You and SAGE FI.
will make good faith efforts to resolve the claim directly, but if you and XOXO SA do not reach
an agreement to do so within 30 days after the Notice is received, you or SAGE FI may
commence an arbitration proceeding. During the arbitration, the amount of any settlement offer
made by you or SAGE FI must not be disclosed to the arbitrator until after the arbitrator makes a
final decision and award, if any.
10. YOU AND SAGE FI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE
OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS
MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further,
unless both you and SAGE FI agree otherwise in a signed writing, the arbitrator may not
consolidate more than one person's claims and may not otherwise preside over any form of a
representative or class proceeding.
These Terms of Service are effective unless and until terminated by either you or us. You
may terminate these Terms of Service at any time by notifying us that you no longer wish
to use our Services, or when you cease using our site.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any
term or provision of these Terms of Service, we also may terminate this agreement at any
time without notice and you will remain liable for all amounts due up to and including the
date of termination; and/or accordingly may deny you access to our Services (or any part
thereof).