Terms and Conditions of Paper

These Terms govern

the use of this Website and
any other Agreement or legal relationship with the Owner

in a binding manner. Capitalized terms are defined in the relevant section of this document.

Please read this document carefully.

Any additional contract or agreement entered into between the Owner and Sellers overrides provisions of these Terms. Therefore, the Terms apply only subsidiarily and in accordance with those contracts or agreements.

This Website is a service of:

Paper

Owner's contact email: privacy@paper.credit

At a glance

Some provisions of these Terms may apply only to specific categories of Users. In particular, certain provisions may apply only to Consumers or only to Users acting not as Consumers. Such limitations are explicitly stated in the relevant clauses. If not mentioned, the clauses apply to all Users.
The right of withdrawal applies only to European Consumers.

How this Website works

While acting — as described above — as a technology intermediary, the Owner may offer additional services to parties using the platform, such as packaging, delivery services, or dispute resolution.

This Website provides the technical infrastructure that allows Users to interact with each other. The Owner is therefore not directly involved in any interactions between Users.

These Terms govern only the use of this Website as a platform. Terms, conditions and any other provisions applicable to transactions between Buyers and Sellers are determined by each Seller.

TERMS OF USE

Unless otherwise specified, the rules for using this Website set out in this section apply generally.

Additional conditions of use or access that apply in particular circumstances are expressly indicated in this document.

By using this Website, the User declares that they meet the following requirements:

There are no restrictions regarding whether Users are Consumers or Professional Users;

Registration

To use the Service, a User may open an account by providing all requested data and information truthfully and completely. It is not possible to use the Service without creating a User account.

Users are responsible for keeping their access credentials safe and confidential. Users must choose a password that corresponds to the highest available security level on this Website.

By creating an account the User accepts full responsibility for any activity carried out using their access credentials. Users must notify the Owner immediately and unambiguously via the contact details provided in this document if they believe their personal information, account, credentials, or data have been compromised, unlawfully disclosed, or stolen.

Registration requirements

Account registration on this Website is subject to the conditions listed below. By registering an account, the User confirms compliance with these conditions.

Account creation using bots or other automated means is not permitted.

Account closure

The User is free to close their account and stop using the Service at any time by following this procedure:

Contacting the Owner using the contact details provided in this document.

Suspension and deletion of accounts

The Owner reserves the right to suspend or delete a User account at any time at its discretion and without notice if it deems the account inappropriate, offensive, or in breach of these Terms.

Suspension or deletion of an account does not entitle the User to compensation, refund, or indemnity.

Suspension or deletion of an account for reasons attributable to the User does not exempt the User from paying any applicable fees or charges.

Content on this Website

Unless otherwise specified or clearly identifiable, all content available on this Website is owned by or provided by the Owner or its licensors.

The Owner takes care to ensure that content on this Website does not violate applicable law or third-party rights. However, this outcome cannot always be guaranteed. In such cases, without prejudice to legally enforceable rights and claims, Users should address any complaints to the contact details provided in this document.

Rights to Website content

The Owner holds and expressly reserves all intellectual property rights over such content.

Users are not permitted to use the content in any way other than what is necessary or implicit for the correct use of the Service.

In particular, but without limitation, Users may not copy, download, share beyond permitted limits, modify, translate, process, publish, transmit, sell, sublicense, transform, transfer/assign to third parties or create derivative works based on the content available on this Website, nor allow third parties to perform such activities using their account or device, even unknowingly.

Where expressly indicated on this Website, Users may download, copy and/or share certain content only for personal and non-commercial purposes and provided that attribution and any other notices required by the Owner are respected.

Access to external resources

Through this Website, Users may access resources provided by third parties. Users acknowledge and agree that the Owner has no control over such resources and is not responsible for their content or availability.

Conditions applicable to third-party resources, including any rights granted on content, are determined by those third parties and governed by their terms and conditions or, in their absence, by law.

Permitted use

This Website and the Service may be used only for the purposes for which they are offered, in accordance with these Terms and applicable law.

It is the User's sole responsibility to ensure that use of this Website and/or the Service does not violate law, regulations or third-party rights.

Therefore, the Owner reserves the right to take any measures necessary to protect its legitimate interests, including denying User access to this Website or the Service, terminating contracts, and reporting any censurable activity carried out through this Website or the Service to the competent authorities whenever the User commits or is suspected of committing:

violations of law, regulations and/or the Terms;
infringement of third-party rights;
acts that may significantly prejudice the Owner's legitimate interests;
offences against the Owner or a third party.

Software license

All intellectual or industrial property rights, as well as other exclusive rights over software or technology integrated in or related to this Website, are owned by the Owner and/or its licensors.

Provided the User complies with these Terms and notwithstanding any conflicting provision, the Owner grants Users a revocable, non-exclusive, non-transferable, non-sublicensable license to use the software and/or technology integrated into the Service within the scope and for the purposes of this Website and the Service offered.

The license does not include any right to access or use the original source code. Techniques, algorithms and procedures contained in the software and related documentation are the Owner's or its licensors' exclusive property.

Rights and licenses granted to the User terminate immediately upon termination or expiry of the Agreement.

API terms of use

Users may access their data related to this Website through the Application Programming Interface (API). Any use of the API, including through third-party products or services that access this Website, is subject to these Terms and the following specific conditions:

The User expressly acknowledges and accepts that the Owner is not liable for damages or losses resulting from the User's use of the API or third-party products or services that access data via the API.

TERMS AND CONDITIONS OF SALE

Provision of personal data

To access or receive certain Products offered through this Website as part of the Service, Users may be required to provide personal data as indicated on this Website.

Paid products

Some Products offered on this Website as part of the Service are paid.

Fees, duration and conditions applicable to the sale of such Products are described below and in the relevant sections of this Website.

Product description

Prices, descriptions and availability of Products are specified in the corresponding sections of this Website and may change without notice.

Although Products on this Website are presented with the technically highest possible accuracy, their representation through any means (including images, colors, sounds) is for reference only and does not guarantee specific characteristics of the purchased Product.

The features of the selected Product will be specified during the purchase process.

Purchase procedure

Every step from selecting the product to placing the order is part of the purchase procedure.

The purchase procedure includes the following steps:

Users should select the desired Product and verify their selection.
After checking the information shown during selection, Users may place the order.

Placing the order

Placing an order entails the following:

Submitting the order by the User concludes the contract and creates the User's obligation to pay the price, taxes and any additional charges or fees, as specified on the order page.
If the purchased Product requires action by the User, such as providing personal information, specifications or special requests, placing the order also obliges the User to cooperate accordingly.
After the order is placed, Users will receive an order confirmation.

All notifications related to the purchase procedure will be sent to the email address provided by the User for this purpose.

Prices

During the purchase process and before placing the order, Users are informed of all fees, taxes and costs (including shipping) that will be charged to them.

Prices on this Website:

may be shown either inclusive of or exclusive of applicable fees, taxes and costs, depending on the section the User views.

Payment methods

Details about accepted payment methods are highlighted during the purchase process.

Some payment methods are subject to additional terms or extra charges. Detailed information is provided in the relevant section of this Website.

All payments are processed by third-party services. Therefore, this Website does not collect payment data such as credit card numbers but receives a notification once the payment is successful. For information about personal data processing and related rights, the User may refer to this Website's privacy policy.

If a payment made through one of the available methods fails or is rejected by the payment service provider, the Owner is not obliged to execute the order. If the payment fails, the Owner reserves the right to seek reimbursement from the User for any related costs or damages.

Instalment payments

The purchase price may be paid in two or more instalments under the terms specified on this Website or otherwise communicated by the Owner. Certain Products may be excluded from this payment method. If the User defaults on any single instalment, the entire amount due becomes immediately payable and due.

Authorization for future payments via PayPal

If the User authorizes PayPal's future payments feature, this Website will store an identifier linked to the User's PayPal account so it can automatically process payments for future purchases or periodic instalments.

The authorization may be revoked at any time by contacting the Owner or via the User's PayPal settings.

User rights

Right of withdrawal

Unless an exception applies, the User may have the right to withdraw from the contract within the period specified below (usually 14 days) for any reason and without justification. More information about withdrawal rights is provided in this section.

Who enjoys the right of withdrawal

Unless an exception applies, Users acting as European Consumers have the legal right to withdraw from distance contracts within the specified period (usually 14 days) for any reason and without justification.

Users who do not qualify as Consumers do not benefit from the rights described in this section. The Consumer will be liable to the Seller for any diminished value of goods resulting from handling beyond what is necessary to determine their nature, characteristics and functioning.

Exercising the right of withdrawal

To exercise the right of withdrawal, the User must send the Owner an unequivocal statement of their intention to withdraw from the contract.

To this end, the User may use the model withdrawal form available in the "Definitions" section of this document. The User may also express their intention to withdraw in any other suitable form. To meet the deadline, the User must send the withdrawal notice before the withdrawal period expires.

Effects of withdrawal

The Owner refunds all payments received, including any delivery costs, to Users who have validly exercised their right of withdrawal.

However, any additional cost resulting from the choice of a delivery method other than the least expensive standard delivery offered by the Owner will be borne by the User.

Refunds are made without undue delay and no later than 14 days from the day the Owner is informed of the User's decision to withdraw. Unless otherwise agreed, refunds are made using the same payment method used for the initial transaction. The User will not incur any costs as a result of the withdrawal.

UK User rights

Right to cancel

Unless exceptions apply, Users who are Consumers in the United Kingdom have a legal right of cancellation under UK law and may withdraw from distance contracts within the period specified below (generally 14 days), for any reason and without justification.

Users that do not qualify as Consumers cannot benefit from the rights described in this section. Users can learn more about the cancellation conditions in this section.

Exercising the right to cancel

To exercise the right to cancel, Users must send the Owner an unequivocal statement of their intention to withdraw from the contract. Users may use the model withdrawal form available in the "Definitions" section. Users must send the notice before the cancellation period expires.

For the purchase of goods, the cancellation period expires 14 days after the day on which the User or a third party other than the carrier and designated by the User takes physical possession of the goods.
For several goods ordered together but delivered separately or for a single good consisting of multiple lots or pieces delivered separately, the cancellation period expires 14 days after the day on which the User or a third party other than the carrier and designated by the User acquires physical possession of the last good, lot or piece.

Effects of cancellation

Users who correctly withdraw from a contract will be reimbursed by the Owner for all payments made to the Owner, including delivery costs, if any.

However, any additional costs resulting from the choice of a delivery method other than the least expensive standard delivery will not be reimbursed.

Reimbursement is made without undue delay and, in any event, no later than 14 days from the day the Owner is informed of the User's decision to withdraw. Unless otherwise agreed, reimbursements will be made using the same means of payment used for the initial transaction. The User will not incur costs as a result of such reimbursement.

…on the purchase of physical goods

Unless the Owner offers to collect the goods, Users must return the goods or hand them to the Owner or a person authorized by the Owner to receive them without undue delay and in any event within 14 days from the day they communicated their decision to withdraw from the contract.

The deadline is met if the goods are handed to the carrier or returned as indicated above before the expiration of the 14-day return period. Reimbursement may be withheld until receipt of the goods, or until Users provide proof of having returned the goods, whichever occurs first.

Users are only liable for any diminished value of the goods resulting from handling beyond what is necessary to establish their nature, characteristics and functioning.

Return costs are borne by the User.

Brazilian User rights

Right of withdrawal

Unless an applicable exception is stated below, Consumer Users in Brazil have a statutory right of withdrawal under Brazilian law. This means the Consumer may rescind online contracts within 7 (seven) days from the contract date or from receipt of the product or service, for any reason and without justification. Users who do not qualify as Consumers do not benefit from the rights in this section. The right of withdrawal can be exercised via the contact channels indicated at the beginning of this document and following the guidance in this section.

Exercising the right of withdrawal

To exercise the right of withdrawal, Users must send the Owner an unequivocal statement of their intention to rescind the contract. Users may use the model withdrawal form available in the "Definitions" section. Users must send the notice before the deadline expires.

For purchases of products, the withdrawal period is 7 (seven) days after the User or a third party designated by the User (other than the carrier) receives the product.
For multiple products ordered together but delivered separately, or for a single product composed of multiple lots or pieces delivered separately, the withdrawal period is 7 (seven) days after the User or a third party designated by the User (other than the carrier) receives the last product, lot or piece.

Effects of withdrawal

Users who validly rescind a contract will be reimbursed by the Owner for all payments made, including delivery costs, if any.

However, additional costs resulting from selecting a delivery method other than the cheapest standard delivery will not be reimbursed.

Refunds will be processed without undue delay and no later than 14 (fourteen) days from the day the Owner is informed of the User's decision to withdraw or from the effective return of the product, whichever is later. Unless otherwise agreed, refunds are made using the same payment method used for the initial transaction. The User will not incur costs as a result of such refunds.

…on the purchase of physical products

Unless the Owner has offered to collect the products, Users must return or hand them over to the Owner or an authorized person without undue delay and within 14 (fourteen) days from the date they communicated their decision to rescind the contract.

The deadline is met if the product is delivered to the carrier or returned as indicated above before the end of the 14-day return period. Reimbursement may be withheld until the products are received, or until Users provide proof of return, whichever occurs first.

Users will only be liable for any reduction in product value resulting from handling beyond what is necessary to determine its nature, characteristics, and functioning.

Return costs will be borne by the Owner.

Limitation of liability and indemnity

Unless otherwise agreed with Users or specified, the Owner's liability for damages related to the performance of the Agreement is excluded, limited and/or reduced to the maximum extent permitted by applicable law.

European Users

Indemnity

The User agrees to indemnify and hold harmless the Owner and its officers, affiliates, agents, co-right holders, partners and employees to the extent permitted by law from any claim or demand — including legal fees and costs — made by third parties arising out of or in connection with conduct that violates these Terms, third-party rights or law, attributable to the User, its affiliates, officers, agents, co-right holders, partners and employees, whether negligent.

The foregoing also applies to any claim asserted by third parties (including, by way of example, the Owner's customers) against the Owner in relation to Digital Products provided by the User, such as conformity claims.

Limitation of liability for User activities on this Website

Users acknowledge that the Owner only provides the technical infrastructure and functions available on this Website.

The Owner does not act as an intermediary, moderator or promoter in interactions, agreements or transactions between Users and disclaims any liability for such interactions and for Users' fulfillment of obligations.

In particular, Users acknowledge that the Owner is not involved in sales and purchases carried out by Users acting as Sellers or Buyers on this Website.

Therefore, purchase contracts are concluded and performed exclusively by such Sellers and Buyers.

Limitation of liability for User activities on this Website

Unless otherwise specified and subject to applicable law, any claim for damages against the Owner (or any person acting on its behalf) is excluded.

This does not limit the Owner's liability for death, personal injury, or damages resulting from breach of essential contractual obligations, or for damages caused by willful misconduct or gross negligence, to the extent that the User's use of this Website was proper and appropriate.

Except where damages were caused by willful misconduct or gross negligence or affect life and/or personal physical or mental integrity, the Owner is liable only for typical damages for the type of contract and foreseeable at the time of conclusion.

Australian Users

Limitation of liability

No provision of these Terms excludes, limits or modifies any warranty, condition, indemnity, right or remedy that a User may have under the Competition and Consumer Act 2010 (Cth) or similar state and territory laws that cannot be excluded, limited or modified (non-excludable right). To the maximum extent permitted by law, our liability to the User, including liability for breach of a non-excludable right and any other liability not otherwise excluded under these Terms, is limited, at the Owner's discretion, to supplying the services again or paying the cost of having the services supplied again.

US Users

Disclaimer of warranties

The Owner provides this Website "as is" and as available. Use of the Service is at the User's own risk. To the maximum extent permitted by law, the Owner expressly disclaims all conditions, warranties and representations of any kind — whether express, implied, statutory or otherwise, including, by way of example but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. No advice or information obtained from the Owner or through the Service will create any warranty not expressly stated in this document.

Without limiting the foregoing, the Owner and its officers, affiliates, agents, co-right holders, partners, suppliers and employees do not warrant that the content is accurate, reliable or correct; that the Service will be available uninterruptedly and securely at any particular time or place; that any defects or errors will be corrected; or that the Service is free of viruses or other harmful components. Any content downloaded or otherwise obtained through the Service is downloaded at the User's own risk and the User is solely responsible for any damage to their computer system or mobile device or any loss of data resulting from such download or use of the Service.

The Owner does not warrant, endorse, guarantee, or assume responsibility for any third-party product or service advertised or offered through the Service or any linked website or service. Further, the Owner does not participate in or monitor any transaction between Users and third-party providers of products or services.

The Service may become inaccessible or not function properly with the User's browser, device and/or operating system. The Owner cannot be held liable for any perceived or actual loss resulting from the content, operation or use of the Service.

Federal laws, some states and other jurisdictions may not allow the exclusion or limitation of certain implied warranties. The above exclusions may not apply to Users. This Agreement gives Users specific legal rights and Users may have other rights that vary from state to state. Limitations and exclusions in this Agreement apply to the extent permitted by law.

Limitation of liability

To the maximum extent permitted by applicable law, in no event will the Owner and its officers, affiliates, agents, co-right holders, partners, suppliers and employees be liable for

any indirect, incidental, special, consequential or exemplary damages, including but not limited to loss of profits, goodwill, use, data or other intangible losses arising out of or related to the use of or inability to use the Service; and
any damage, loss or injury resulting from hacking, tampering or other unauthorized access to or use of the Service or User account or information contained therein;
any error, omission or inaccuracy in the content;
personal injury or property damage of any kind arising from access to or use of the Service;
any unauthorized access to the Owner's secure servers and/or any personal information stored therein;
any interruption or cessation of transmissions to or from the Service;
any bug, virus, trojan or similar that may be transmitted to or through the Service;
any error or omission in any content or any loss or damage arising from the use of any content made available through the Service; and/or
defamatory, offensive or illegal conduct of any User or third party. In no event will the Owner and its officers, affiliates, agents, co-right holders, partners, suppliers and employees be liable for any claim, action, liability, obligation, loss or cost in excess of the amount paid by the User to the Owner in the 12 months preceding, or for the duration of this Agreement between the Owner and the User, whichever is shorter.

This limitation of liability applies to the maximum extent permitted by law in the applicable jurisdiction, regardless of whether the alleged liability arises under contract, tort, negligence, strict liability or any other theory, even if the User had been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations or exclusions may not apply to the User. These Terms give the User specific legal rights and the User may have other rights which vary from jurisdiction to jurisdiction. The disclaimers, exclusions or limitations of liability in these Terms do not apply beyond the limits permitted by applicable law.

Indemnity

The User agrees to defend, indemnify and hold harmless the Owner and its officers, affiliates, agents, co-right holders, partners, suppliers and employees from and against any claim or demand, damage, obligation, loss, liability, charge or expense, including but not limited to reasonable attorneys' fees, arising from

the User's use of or access to the Service, including any data or content transmitted or received by the User;
the User's breach of these Terms, including but not limited to any breach of any representation or warranty;
the User's violation of any third-party right, including but not limited to any privacy or intellectual property right;
the User's breach of any law, rule or regulation;
any content submitted from the User's account, including misleading, false or inaccurate information or where access is gained using the User's username and password or other security measures;
the User's wilful misconduct; or
the User's breach of any legal provision or that of its affiliates, officers, agents, co-right holders, partners, suppliers and employees, to the extent permitted by law

General provisions

No implied waiver

Failure to exercise legal rights or claims arising from these Terms by the Owner does not constitute a waiver of those rights. No waiver shall be deemed final with respect to a specific right or any other right.

Service interruption

To provide the best possible level of service, the Owner may interrupt the Service for maintenance, system updates or any other modification, providing appropriate notice to Users.

Within the limits of the law, the Owner reserves the right to suspend or terminate the Service. If the Service is terminated, the Owner will endeavor to allow Users to extract their Personal Data and information and will respect Users' rights related to continued use of the product and/or compensation as provided by law.

The Service may also be unavailable for reasons beyond the Owner's reasonable control, such as force majeure events (e.g., infrastructure failures, blackouts, etc.).

Resale of the Service

Users are not authorized to reproduce, duplicate, copy, sell, resell or exploit this Website or the Service, in whole or in part, without the Owner's prior written consent, either directly or through a legitimate reseller program.

Privacy policy

Information about the processing of Personal Data is contained in this Website's privacy policy.

Intellectual property

Subject to any specific provision in the Terms, intellectual and industrial property rights — such as copyrights, trademarks, patents and designs relating to this Website — are exclusively owned by the Owner or its licensors and are protected under applicable laws and international treaties on intellectual property.

All trademarks and other distinctive signs appearing in connection with this Website remain the exclusive property of the Owner or its licensors and are protected by intellectual property laws and treaties.

Changes to the Terms

The Owner reserves the right to modify the Terms at any time. In such case, the Owner will provide appropriate notice to Users.

Changes will take effect in relation to the User from the date communicated to the User.

Continued use of the Service implies the User's acceptance of the updated Terms. If the User does not wish to accept the changes, they must stop using the Service and may terminate the Agreement.

The previous version continues to govern the relationship until the User accepts the changes. That version can be requested from the Owner.

If required by law, the Owner will notify Users in advance of the effective date of the modified Terms.

Assignment of the contract

The Owner reserves the right to transfer, assign, novate or subcontract any or all rights and obligations under these Terms, taking into account Users' legitimate interests.

Provisions regarding modification of these Terms apply.

The User may not assign or transfer their rights or obligations under the Terms without the Owner's written consent.

Contacts

All communications related to the use of this Website must be sent to the contact details indicated in this document.

Severability clause

If any provision of these Terms is or becomes invalid or ineffective under applicable law, the invalidity or ineffectiveness of such provision will not affect the remaining provisions, which will remain in full force and effect.

US Users

Any invalid or ineffective provision will be interpreted and adapted to the extent necessary to make it valid, effective and in line with its original purpose. These Terms constitute the entire agreement between the User and the Owner regarding the subject matter and supersede any prior communications, including any previous agreements between the parties. These Terms will be enforced to the fullest extent permitted by law.

European Users

If a provision of these Terms is or becomes null, invalid or ineffective, the parties will attempt to amicably agree on a valid and effective replacement provision. If they fail to reach an agreement, and if permitted by applicable law, the null, invalid or ineffective provision will be replaced by the applicable statutory rule.

Subject to the foregoing, the nullity, invalidity or ineffectiveness of a specific provision does not render the entire Agreement null, unless the invalid provision is essential or of such importance that the parties would not have entered into the contract had they known the provision would be invalid, or where the remaining provisions would impose an excessive and unacceptable burden on a party.

Governing law

These Terms are governed by the law of the place where the Owner is established, as indicated in the relevant section of this document, irrespective of conflict of law rules.

Prevalence of national law

However, if the law of the country where the User is located provides a higher level of consumer protection, that higher level of protection will prevail.

Exception for Consumers in Switzerland

If the User acts as a Consumer in Switzerland, Swiss law will apply.

Exception for Consumers in Brazil

If the User qualifies as a Brazilian Consumer and the product and/or service is marketed in Brazil, Brazilian law will apply.

Jurisdiction

Exclusive jurisdiction to resolve any dispute arising out of or in connection with the Terms lies with the court of the place where the Owner is established, as indicated in the relevant section of this document.

Exception for Consumers in Europe

The above does not apply to Users acting as European Consumers or Consumers located in the United Kingdom, Switzerland, Norway or Iceland.

Exception for Consumers in Brazil

The above does not apply to Users in Brazil who qualify as Consumers.

Dispute resolution

Amicable dispute resolution

Users may report any disputes to the Owner, who will attempt to resolve them amicably.

Without prejudice to Users' right to bring legal action, for disputes related to the use of this Website or the Service, Users should contact the Owner using the contact details provided in this document.

Users may send a complaint to the Owner's email address provided in this document, including a brief description and, where applicable, the order, purchase or account details involved.

The Owner will handle the request without undue delay and within 2 days of receipt.

Consumer dispute resolution platform

The European Commission has introduced an online platform for alternative dispute resolution that facilitates the out-of-court settlement of disputes arising from online sales and service contracts.

Therefore, any European Consumer or Consumer based in Norway, Iceland or Liechtenstein may use that platform to resolve disputes. The platform is available here: http://ec.europa.eu/consumers/odr/.

Definitions and legal references

This Website (or this Application)

The structure that enables the provision of the Service.

Agreement

Any legally binding relationship or contract between the Owner and the User governed by the Terms.

Brazilian (or Brazil)

Applies when the User is located in Brazil, whatever their nationality.

Commercial User

Any User who does not meet the definition of Consumer.

Buyer

Any User who purchases goods or services from a Seller through this Website, whether or not the transaction actually occurs on this Website.

Digital Product

Means a Product consisting of:

content produced and supplied in digital format; and/or
a service that enables creation, transformation, storage or access to data in digital format, or sharing or any other interaction with digital data uploaded or created by the User and other Users of this Website.