Lantern Finance Terms of Use Agreement

Last Updated: April 6, 2026

Please read the Terms of Use (the “Terms” or “Agreement”) carefully. These Terms govern the use of this website and any other websites (collectively, the “Website”) of Lantern Finance, Inc. and its affiliates or agents (collectively, “Lantern”) and apply to all internet users visiting the Website or accessing or using the Website in any way, including using any of the services, technology, platform and resources available through or enabled via the Website (each including the Website a “Service” and collectively, the “Services”). By using the Services, completing the registration process, and/or browsing the Website, you represent that (1) you have read, understand, and agree to be bound by the Agreement, (2) you are of legal age to form a binding contract with Lantern, and (3) you have the legal authority to enter into the Terms personally or on behalf of the entity (whether or not such entity is formally incorporated) you have named as the user, and to bind that entity to the Terms. The term “you” refers to the individual or entity, as applicable, identified as the user when you registered on the Website.

IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS WEBSITE OR THE SERVICES.

PLEASE READ THESE TERMS CAREFULLY, AS THEY CONTAIN AN AGREEMENT TO ARBITRATE AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THE AGREEMENT TO ARBITRATE REQUIRES (WITH LIMITED EXCEPTION) THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST LANTERN ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS, AND (3) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW. HOWEVER, IF YOU ARE A RESIDENT OF A JURISDICTION WHERE APPLICABLE LAW PROHIBITS ARBITRATION OF DISPUTES, THE AGREEMENT TO ARBITRATE IN THE TERMS WILL NOT APPLY TO YOU BUT THE GOVERNING LAW PROVISIONS WILL APPLY INSTEAD.

1. Acceptance of Terms

By accessing or using the Lantern Finance Website, mobile applications, or any related Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our Services. Lantern reserves the right to modify these Terms at any time. We will notify you of material changes by posting a revised version on our Website with a new revision date. Continued use of the Services after such changes indicates your acceptance of the new Terms.

2. Account Registration and Verification

In registering an account through the Services, you agree to (a) provide true, accurate, current and complete information about yourself as prompted by the registration form (the “Registration Data”); and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. To access certain features of our Services, you may be required to create an account and provide personal and financial information. You agree to provide accurate, complete, and current information, and to update such information as necessary. Lantern reserves the right to verify your identity using third-party providers and may suspend or terminate your account if the information provided is found to be false or misleading. Users under the age of 18 are not permitted to register or use the Services.

Lantern respects your privacy. For more information, please see our Privacy Policy. By using the Services, you consent to our collection, use and disclosure of personal data and other data as outlined in the Privacy Policy.

You are responsible for all activities that occur under your account. You agree that you will monitor your account to restrict use by minors, and you will accept full responsibility for any unauthorized use of Services by minors. You may not share your account or password with anyone, and you agree to (y) notify Lantern immediately of any unauthorized use of your password or any other breach of security; and (z) exit from your account at the end of each session. You agree not to create an account using a false identity or information, or on behalf of someone other than yourself. You agree not to create an account or use the Services if you have been previously removed by Lantern, or if you have been previously banned from any of the Services.

3. Description of Services and Loans

Lantern provides crypto-backed lending services and related technologies. Subject to meeting our eligibility and verification requirements, you may request loans (“Loans”) secured by certain digital assets (“Collateral”) that you transfer or pledge to us or to a designated third-party custodian, all in accordance with a separate loan agreement (“Loan Agreement”) that you must sign to obtain the Loan. Specific Loan terms, including repayment schedules, interest rates, and other obligations, will be governed by the Loan Agreement. Any information provided on the Website is illustrative only. In the event of any conflict between these Terms and the Loan Agreement, or any information provided on the Website, the Loan Agreement controls.
Lantern provides crypto-backed lending services and related technologies. Subject to meeting our eligibility and verification requirements, you may request loans (“Loans”) secured by certain digital assets (“Collateral”) that you transfer or pledge to us or to a designated third-party custodian, all in accordance with a separate loan agreement (“Loan Agreement”) that you must sign to obtain the Loan. Specific Loan terms, including repayment schedules, interest rates, and other obligations, will be governed by the Loan Agreement. Any information provided on the Website is illustrative only. In the event of any conflict between these Terms and the Loan Agreement, or any information provided on the Website, the Loan Agreement controls. The Loan Agreement is conditioned on, among other things, the applicant completing all required Know Your Customer/Business (KYC/KYB) and Anti-Money Laundering (AML) verification processes, as required by applicable law and Lantern's internal policies. Lantern reserves the right to request additional information or documentation at any time to comply with applicable legal, regulatory, or risk management requirements.
Lantern complies with all applicable federal, state, and local lending laws and regulations, and as such, lending services may not be available in all jurisdictions. Lantern reserves the right to refuse or limit Loans based on location, regulatory requirements, or changes in law or policy. It is your responsibility to ensure that your use of the Services, including applying for or accepting a Loan, is in compliance with all laws and regulations applicable to you in your jurisdiction. Lantern makes no representation or warranty that the Services are appropriate or available for use in any particular jurisdiction.
Loans made through Lantern are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), or any governmental or private insurance program. Digital asset lending carries significant risks, including the risk of total loss of principal and collateral. You acknowledge and agree that you assume all risks associated with the use of the Services and that Lantern shall not be liable for any losses or damages except as expressly set forth in the Loan Agreement and these Terms.

4. Collateral

The Website will identify which digital assets qualify as acceptable collateral for the Loans. Eligibility may change at any time without notice. Collateral may be placed with our third-party custodians or trust companies to secure your Loan. Your Loan Agreement will authorize Lantern and those custodians to store, transfer, or otherwise handle such assets in accordance with the Loan Agreement and any applicable third-party terms. While Lantern and our custodians implement security measures to safeguard your Collateral, you understand and acknowledge there are risks involved with digital asset custody (including hacks or cyberattacks) and you assume such risks to the extent permitted by law.

5. No Investment, Financial, Legal Or Tax Advice

Lantern does not provide investment, financial, legal, or tax advice. The content and services provided by Lantern are for general informational purposes only and should not be construed as professional advice or guidance. Crypto-backed lending involves significant financial risks, including potential loss of collateral, regulatory complexities, and market volatility. You are strongly encouraged to consult qualified financial, legal, and tax advisors before using Lantern's Services or engaging in crypto-backed lending activities.

6. Use the Services.

You agree to use the Services only for lawful purposes and in accordance with these Terms. You are solely responsible for your conduct while using the Services. Without limiting the generality of the foregoing, you agree that you will not (and will not permit any third party to):

Use the Services in violation of any applicable law, regulation, or third-party rights.
Engage in fraudulent, deceptive, or manipulative practices, including market manipulation or money-laundering activities.
Upload or transmit harmful code, malware, or any content that infringes upon another's intellectual property or privacy rights.
Attempt to gain unauthorized access to the Website, accounts, or any network or system related to the Services.
Circumvent or interfere with security or usage rules of the Services, or attempt to reverse-engineer any part of the Services.
Use the Services for any unlawful, illegal, fraudulent, or harmful purpose or activity, including but not limited to violating sanctions, export controls, or anti-corruption laws.
Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
Use the Services to harass, abuse, stalk, threaten, defame, or otherwise infringe or violate the legal rights (such as rights of privacy and publicity) of others.
Use the Services to transmit or facilitate the transmission of unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, or other forms of solicitation.
Use any robot, spider, scraper, data mining tools, data gathering and extraction tools, or other automated means to access the Services for any purpose without our express written permission.
Interfere with or disrupt the integrity or performance of the Services or the data contained therein.
Engage in any activity that could damage, disable, overburden, or impair the functioning of the Services in any manner.
Lantern reserves the right to investigate and take appropriate legal action against anyone who, in Lantern's sole discretion, violates this provision, including terminating or suspending your account and reporting such activity to law enforcement authorities.

In the event of your violation of the foregoing, Lantern reserves the right not only to suspend or terminate your account immediately and without notice but also to pursue additional remedies, including reporting violations to applicable regulatory authorities or law enforcement agencies, seeking injunctive relief or damages through appropriate legal actions, and pursuing recovery of any associated costs, fines, or penalties arising from such prohibited conduct.

7. Affiliate Incentive Program

Affiliate Program. Lantern may offer an optional Affiliate Incentive Program (“Affiliate Program”), allowing eligible Lantern users to promote the Website and Services. Participation in the Affiliate Program is voluntary and subject to additional terms and conditions. Users interested in becoming an affiliate may do so by clicking the designated Affiliate Program link found in the user's dashboard (the “Program Page”), which will direct them to the Affiliate Program registration page. By enrolling in the Affiliate Program, you agree to be bound by the additional terms and conditions provided on the affiliate program landing page.
Referral Process and Incentive Consideration. Each approved affiliate will receive a unique referral link (“Incentivized Link”), as described on the Program Page. If a third party clicks on an Affiliate Link and subsequently initiates and completes a Loan with Lantern, the affiliate will be entitled to the incentive consideration specified on the Program Page. The applicable incentive, payment terms, and conditions will be outlined on the Program Page. Lantern reserves the right to modify or discontinue the Affiliate Program at any time, with or without notice.
Disclosure and Compliance. Affiliates must clearly disclose that their Affiliate Link is incentivized in accordance with applicable legal and regulatory requirements, including the Federal Trade Commission (FTC) guidelines and any other relevant laws governing advertising and marketing. Failure to provide proper disclosure may result in the forfeiture of any earned incentives and/or removal from the Affiliate Program.
Limitations and Restrictions. The Affiliate Program is subject to eligibility criteria determined by Lantern. Affiliates may not engage in deceptive, fraudulent, or misleading practices to generate referrals. The use of spam, unsolicited marketing, or any unauthorized promotional methods is strictly prohibited. Lantern reserves the right to suspend or terminate an affiliate's participation in the program at its sole discretion. For more details and to participate in the Affiliate Program, please visit the affiliate landing page.

8. Intellectual Property

All software, content, and technology provided through the Services (“Lantern Content”) are the exclusive property of Lantern or its licensors. You are granted a limited, non-exclusive license to use the Lantern Content solely for your personal, non-commercial use. You may not reproduce, modify, distribute, or create derivative works based on the Lantern Content without our express written consent.

9. Third-Party Services and Links

a. Third Party Services. Our Services may contain links to third-party websites or integrate with third-party applications. Such third-party services are provided solely as a convenience, and Lantern does not control or endorse their content. Your interactions with these services are governed by their respective terms and privacy policies, and Lantern assumes no responsibility for any third-party conduct.

b. Special provisions related to Bank Transfer Payments. Lantern may or has partnered with financial services software company Aeropay to offer you ACH payments. When you create a Lantern Finance Account and connect a bank to complete ACH payments, you will be creating an Aeropay account. You authorize Lantern to share your identifying information with Aeropay to open and support your Lantern Finance Account. You use of the Aeropay site will be governed by Aeropay's Terms of Service and Privacy Policy when creating or using your Lantern Account. The Aeropay Terms of Service may be modified from time to time, and the governing version is incorporated by reference into these Terms. Any term not defined in this section but defined in the Aeropay Terms of Service assumes the meaning as defined in the Aeropay Terms of Service.

c. COINME TERMS OF SERVICE.

As part of the services, you may have access to services or products (collectively, the 'Coinme Services') offered by Coinme Inc. or one of its affiliates (collectively, 'Coinme').
By accessing or using the Coinme Services, you specifically acknowledge and agree (a) to be bound by and comply with the Coinme Terms of Service (available athttps://coinme.com/legal/), Coinme's Privacy Policy (available at www.coinme.com/privacy), and such other terms which Coinme designates as terms and conditions for the Coinme Services (all of which together are referred to as the 'Coinme Terms'),.
(b) that to the extent of any conflict between the Coinme Terms and the other terms and conditions in these Terms of Service, the Coinme Terms shall apply with respect to your use of the Coinme Services,
and (c) that Coinme does not have any responsibility or liability related to compliance.
Coinme does not have any responsibility or liability related to compliance or non-compliance by Lantern or you (or any other user) under these terms or the Coinme Terms. Additional disclaimers, limitations of liability, and indemnification obligations applicable to your use of the Coinme Services are set forth in the Coinme Terms.

10. Payment Processing

We may accept and process payments without waiving any of our rights. We may remove a returned payment from your account, even if the payment has already been credited to your account. We may resubmit and collect returned payments electronically. Where necessary, we reserve the right to adjust your account to correct errors, process returned or reversed payments, and address similar issues.

11. Account Default

Your account may be considered in default if any payment you make is rejected, not paid, or cannot be processed.

12. Assumption of Risk

Digital asset lending, and trading carry significant risks, including the risk of loss of principal, market volatility, and cyber threats. Regulatory frameworks governing digital assets can change at any time. Lantern does not control or influence underlying blockchain networks used for Collateral, and you acknowledge that issues such as slashing, forks, hacking, or other blockchain disruptions may occur. By using the Services, you assume the foregoing risks, among others, and agree that Lantern is not liable for any losses or damages resulting from them to the fullest extent permitted by applicable law. The prices of cryptocurrency assets can be extremely volatile. Lantern makes no warranties as to the markets in which your Collateral are staked, transferred, purchased, or traded. Further, you understand that like any other Website our Services are at risk of third-party malware, hacks or cybersecurity breaches. You agree that it is your responsibility to monitor your account regularly and confirm their proper use and deployment consistent with your intentions. By using the Services, you assume the foregoing risks, among others, and agree that Lantern is not liable for any losses or damages resulting from them to the fullest extent permitted by applicable law.

13. Indemnification

You agree to indemnify and hold Lantern, its parents, subsidiaries, affiliates, officers, employees, agents, contractors, partners, suppliers, and licensors (each, a“Lantern Party” and collectively, the “Lantern Parties”) harmless from any losses, costs, liabilities and expenses (including reasonable attorneys' fees) relating to or arising out of any and all of the following: (a) your use of, or inability to use, any Services; (b) your violation of the Agreement, including any of your representations or warranties hereunder; (c) your violation of any rights of another party, including any registered users; (d) your failure to provide accurate or complete data in connection with your use of the Services; or (e) your violation of any applicable laws, rules or regulations. Lantern reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Lantern in asserting any available defenses. This provision does not require you to indemnify any of the Lantern Parties for any unconscionable commercial practice by such party or for such party's fraud, deception, false promise, misrepresentation or concealment, or suppression or omission of any material fact in connection with the Website or any Services provided hereunder. You agree that the provisions in this section will survive any termination of your account, the Agreement and/or your access to Services.

14. Disclaimer of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS. THE LANTERN PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT ARISING FROM USE OF THE WEBSITE. THE LANTERN PARTIES MAKE NO REPRESENTATION THAT THE SERVICES WILL FUNCTION AS INTENDED OR BE SUITABLE FOR YOUR PURPOSES, AND YOU BEAR ALL RISK ASSOCIATED WITH ANY USER ASSETS THAT YOU USE IN CONNECTION THEREWITH.

15. Limitation of Liability

TO THE MAXIMUM EXTENT ALLOWED BY LAW, IN NO EVENT SHALL LANTERN OR ANY LANTERN PARTY BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SERVICES WHETHER OR NOT LANTERN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PROVIDED BY LAW, LANTERN PARTIES WILL NOT BE LIABLE TO YOU FOR MORE THAN THE GREATER OF (A) ONE THOUSAND DOLLARS ($1000); OR (B) THE REMEDY OR PENALTY IMPOSED BY THE STATUTE UNDER WHICH SUCH CLAIM ARISES WHERE SUCH REMEDY OR PENALTY CANNOT BE WAIVED OR REDUCED PURSUANT TO THIS AGREEMENT.

16. Release

TO THE MAXIMUM EXTENT PERMISSIBLE BY APPLICABLE LAW, YOU HEREBY RELEASE THE LANTERN PARTIES FROM ANY AND ALL LIABILITY, CLAIMS, DEMANDS, ACTIONS, AND CAUSES OF ACTION, WHATSOEVER, ARISING OUT OF OR RELATED TO ANY LOSS WHICH MAY BE SUSTAINED BY YOU WHILE USING, ARISING OUT OF, OR IN CONNECTION WITH THE USE OF THE SERVICES, INCLUDING ANY DIMINUTION OF VALUE TO OR LOSS OR THEFT OF ANY USER ASSETS OR DATA. TO THE MAXIMUM EXTENT PERMISSIBLE BY APPLICABLE LAW, THIS RELEASE IS BINDING UPON YOUR RELATIVES, SPOUSE, HEIRS, NEXT OF KIN, EXECUTORS, ADMINISTRATORS, BENEFICIARIES, PARTNERS, AND ANY OTHER AFFILIATES OR INTERESTED PARTIES.

To the maximum extent permissible by applicable law, you waive and relinquish any and all rights and benefits otherwise conferred by any statutory or non-statutory law of any jurisdiction that would purport to limit the scope of a release or waiver, including any and all rights and benefits which you have or may have under California Civil Code Section 1542, which states “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”

You acknowledge that the releases in the Terms are intended to be as broad and inclusive as permitted by law, and as a complete and continuous release and waiver of liability for any and all use of the Services.

17. Dispute Resolution by Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.

Agreement to Arbitrate. This Dispute Resolution by Binding Arbitration section is referred to in these Terms as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and Lantern, whether arising out of or relating to these Terms (including any alleged breach thereof), the Services, any advertising, or any aspect of the relationship or transactions between us, will be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. Further, this Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms, you and Lantern are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. Notwithstanding the foregoing, this Arbitration Agreement does not apply to the extent that applicable law in your jurisdiction prohibits arbitration of disputes. If such laws apply to you, the provisions of this Section 17 regarding arbitration will not apply, and the dispute resolution provisions set forth in Section 19(b) (Governing Law) will govern instead.
Prohibition of Class and Representative Actions and Non-Individualized Relief. YOU AND LANTERN AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND LANTERN AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION.
Pre-Arbitration Dispute Resolution. Most customer concerns can be resolved quickly and to the customer's satisfaction by emailing customer support at [email protected]. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Lantern should be sent to 1810 E Sahara Ave STE 75004, Las Vegas, NV 89104 (“Notice Address”). The Notice must (i) describe the nature and basis of the claim or dispute and (ii) set forth the specific relief sought. If Lantern and you do not resolve the claim within sixty (60) calendar days after the Notice is received, you or Lantern may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Lantern or you will not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Lantern is entitled.
Arbitration Procedures. Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association's (“AAA”) rules and procedures, including the AAA's Consumer Arbitration Rules (collectively, the “AAA Rules”), as modified by this Arbitration Agreement. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms as a court would. All issues are for the arbitrator to decide, including issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under these Terms and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons.
Forum. Unless Lantern and you agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination will be made by AAA.
your claim is for $10,000 or less, Lantern agrees that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator will issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.
Costs of Arbitration. Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. To the extent any Arbitration Fees are not specifically allocated to either Lantern or you under the AAA Rules, Lantern and you will split them equally; provided that if you are able to demonstrate to the arbitrator that you are economically unable to pay your portion of such Arbitration Fees or if the arbitrator otherwise determines for any reason that you should not be required to pay your portion of any Arbitration Fees, Lantern will pay your portion of such fees. In addition, if you demonstrate to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, Lantern will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. Any payment of attorneys' fees will be governed by the AAA Rules.
Confidentiality and Severability. All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties. Further, if a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the subsection (b) above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” above) is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement will be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of subsection (b) above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable, then the entirety of this Arbitration Agreement will be null and void, unless such provisions are deemed to be invalid or unenforceable solely with respect to claims for public injunctive relief. The remainder of these Terms will continue to apply.
Changes to Arbitration Agreement. Notwithstanding any provision in these Terms to the contrary, Lantern agrees that if it makes any future change to this Arbitration Agreement (other than a change to the Notice Address) while you are a user of the Services, you may reject any such change by sending Lantern written notice within thirty (30) calendar days of the change to the Notice Address provided above. By rejecting any future change, you agree that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms).

18. Termination

Lantern reserves the right to suspend or terminate your account, or restrict your access to the Services, at any time and for any reason, including for conduct that violates these Terms.

19. General Provisions

Entire Agreement: These Terms, together with any additional policies referenced herein, constitute the entire agreement between you and Lantern regarding your use of the Services.
Governing Law: These Terms are governed by the laws of the State of Nevada, without regard to its conflict of law principles. Any disputes not subject to arbitration shall be brought exclusively in the appropriate state or federal courts located in Las Vegas, Nevada.
Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in full force and effect.
Assignment: You may not assign these Terms without our written consent, but Lantern may assign or transfer these Terms at its discretion.
Notices: Any notices or communications provided by us will be sent via email or regular mail to your last known address.
Communications. By entering into this Agreement or using the Services, you agree to receive communications from us, including via e-mail. Communications from us and our affiliated companies may include but are not limited to: operational communications concerning your account or the use of the Services, updates concerning new and existing features on the Services, communications concerning promotions run by us or our third-party partners, and news concerning Lantern and industry developments.

20. Contact Information

If you have any questions, concerns, or feedback regarding these Terms or our Services, please contact us at:

Email: [email protected]
Mail: 1810 E Sahara Ave STE 75004 Las Vegas, NV 89104