Master Terms of Service

PREAMBLE

Welcome to the JHS Solutions LLC Portal Platform.

These Master Terms of Service ("Terms") constitute the primary legal agreement governing access to and use of the Platform and all services, software, websites, applications, technologies, communications, APIs, future modules, and related offerings operated by JHS Solutions LLC, a Florida limited liability company ("Company," "JHS Solutions," "we," "our," or "us").

These Terms apply to every individual, business, governmental entity, nonprofit organization, enterprise customer, contractor, representative, visitor, signer, administrator, developer, partner, affiliate, or other person or entity ("User," "Customer," "Signer," "Administrator," "Organization," or "you") who accesses, registers for, subscribes to, purchases, integrates with, or otherwise uses any portion of the Platform.

The Company operates technology services intended to facilitate secure electronic transactions, digital communications, document workflows, electronic signatures, identity-related processes, customer collaboration, enterprise services, and future technology solutions.

These Terms establish the rights, obligations, responsibilities, and limitations governing the relationship between the Company and all users of the Platform.

The JHS Solutions LLC Portal Platform is a unified technology ecosystem designed to deliver secure digital services for individuals, businesses, organizations, governmental entities, and future enterprise customers.

The Platform currently includes, and may in the future include, products and services such as:

Core Platform

1. Portal Platform
2. Customer Portal
3. Administrative Portal
4. Enterprise Portal
5. Client Portal
6. Mobile Applications
7. Desktop Applications
8. APIs
9. Developer Services
10. Future Platform Modules

eSignare®

1. Electronic Signatures
2. Digital Agreement Workflows
3. Customer Workspace
4. Signer Portal
5. Administrative Portal
6. Trust Center™
7. Certificate of Completion™
8. Verification Services
9. Document Preparation
10. Document Management
11. Templates
12. Enterprise Workspaces

Future Notarial Services

Where offered and legally authorized, the Platform may include:

1. eSignare Notary™
2. In-Person Electronic Notarization (IPEN)
3. Remote Online Notarization (RON)
4. Electronic Notarial Journal
5. Digital Notarial Seal
6. Credential Analysis
7. Identity Proofing
8. Knowledge-Based Authentication
9. Audio Recording
10. Video Recording
11. Witness Management
12. Digital Evidence Management

Artificial Intelligence Services

The Platform may also provide AI-assisted technologies including, but not limited to:

1. AI Chat Assistants
2. AI Customer Support
3. AI Document Review
4. AI OCR
5. AI Translation
6. AI Summaries
7. AI Recommendations
8. AI Workflow Automation
9. AI Search
10. AI Fraud Detection
11. AI Compliance Assistance
12. AI Knowledge Systems
13. Machine Learning Services
14. Future Artificial Intelligence Technologies

Artificial intelligence features are intended to assist users and do not replace independent legal, tax, financial, accounting, immigration, medical, or other professional advice.

By accessing, browsing, registering for, subscribing to, purchasing, integrating with, electronically signing, receiving documents through, or otherwise using any portion of the Platform, you acknowledge and agree that you have:

1. Read these Terms;
2. Understood these Terms;
3. Had a reasonable opportunity to review these Terms;
4. Agreed to be legally bound by these Terms;
5. Agreed to comply with all applicable laws and regulations governing your use of the Platform.

Your acceptance may be demonstrated through one or more actions, including:

1. creating an account;
2. checking an acceptance box;
3. clicking an "I Agree," "Accept," or similar button;
4. electronically signing a document;
5. using the Platform after notice of updated Terms;
6. continuing to access or use the Platform after these Terms become effective.

To the fullest extent permitted by applicable law, such electronic actions constitute valid and legally binding acceptance of these Terms.

If you do not agree to these Terms, you must immediately discontinue use of the Platform.

3.1 Purpose of the Platform

The JHS Solutions LLC Portal Platform ("Platform") is a secure technology platform designed to facilitate digital interactions, document workflows, communications, identity-related services, and other online business services through software applications, web-based technologies, application programming interfaces (APIs), and future digital solutions.

The Platform is intended to improve efficiency, transparency, accessibility, and security for individuals, businesses, governmental entities, nonprofit organizations, and enterprise customers through electronic technologies that support lawful digital transactions and related services.

The Platform is a technology service. Except where expressly stated in a separate written agreement, JHS Solutions LLC does not provide legal representation, legal advice, financial advice, accounting advice, tax advice, immigration advice, or other licensed professional services through the Platform.

3.2 Platform Services

The Platform currently provides, or may in the future provide, services including, without limitation:

Electronic Agreement Services

1. Electronic signature workflows
2. Digital agreements
3. Document preparation
4. Document routing
5. Multi-party signing
6. Signature invitations
7. Document completion
8. Certificate generation
9. Verification services
10. Audit trails
11. Secure document storage
12. Templates
13. Enterprise document workflows

Communication Services

The Platform may communicate with users through:

1. Email
2. SMS
3. MMS
4. WhatsApp
5. Push Notifications
6. Secure Portal Messaging
7. Dispatch Center
8. APIs
9. Webhooks
10. Enterprise integrations
11. Mobile applications
12. Browser notifications
13. Future electronic communication technologies

Communications may include authentication, transactional notices, billing information, reminders, document invitations, legal notices, security alerts, system updates, customer support, and other communications necessary to operate the Platform.

Artificial Intelligence Services

Where offered, the Platform may include AI-assisted functionality designed to improve productivity and user experience, including:

1. AI chat assistants;
2. AI customer support;
3. AI-powered search;
4. AI document summaries;
5. AI translation;
6. AI optical character recognition (OCR);
7. AI workflow automation;
8. AI recommendations;
9. AI fraud detection;
10. AI analytics;
11. AI-generated content assistance;
12. future AI-enabled technologies.

Artificial intelligence functionality is intended to assist users and should not be relied upon as a substitute for independent professional judgment. Users remain solely responsible for reviewing, validating, and approving any AI-generated content before acting upon it.

Identity and Authentication Services

The Platform may support authentication and identity-related services including:

1. account registration;
2. multi-factor authentication (MFA);
3. authenticator applications;
4. password recovery;
5. identity verification;
6. credential analysis where offered;
7. knowledge-based authentication where offered;
8. biometric verification where legally authorized;
9. digital identity technologies;
10. future authentication methods.

The availability of identity verification features may vary depending upon jurisdiction, service type, subscription plan, or legal requirements.

Future Notarial Services

Where implemented and legally authorized, the Platform may support:

1. In-Person Electronic Notarization (IPEN);
2. Remote Online Notarization (RON);
3. electronic notarial journals;
4. digital notarial seals;
5. credential analysis;
6. identity proofing;
7. audio recording;
8. video recording;
9. witness participation;
10. electronic evidence management;
11. additional digital notarial technologies.

Nothing in these Terms guarantees the availability of any notarial service in a particular jurisdiction. Such services are subject to applicable law, licensing requirements, technical availability, and regulatory approval.

3.3 Platform Evolution

The Company continually develops, improves, modifies, and expands the Platform.

Accordingly, the Company may:

1. introduce new products;
2. modify existing functionality;
3. discontinue features;
4. replace technologies;
5. introduce new communication channels;
6. implement new authentication methods;
7. release beta features;
8. offer preview services;
9. integrate third-party technologies;
10. modify user interfaces;
11. improve security controls;
12. introduce enterprise functionality;
13. introduce subscription tiers;
14. add future artificial intelligence capabilities.

Unless otherwise specified, newly introduced services become part of the Platform and are governed by these Terms.

3.4 Third-Party Services

The Platform may integrate with third-party services, including but not limited to:

1. payment processors;
2. cloud infrastructure providers;
3. messaging providers;
4. email delivery providers;
5. SMS providers;
6. WhatsApp Business providers;
7. mapping services;
8. artificial intelligence providers;
9. identity verification providers;
10. authentication providers;
11. storage providers;
12. analytics providers;
13. enterprise integrations;
14. accounting software;
15. CRM systems;
16. governmental services where available;
17. future third-party integrations.

The Company does not own or control third-party services and is not responsible for their independent policies, availability, performance, or actions.

Use of third-party services may be subject to separate agreements between the user and the applicable third-party provider.

3.5 Availability of Services

Certain services may not be available:

1. in every country;
2. in every state;
3. in every jurisdiction;
4. on every device;
5. under every subscription plan;
6. during maintenance;
7. during outages;
8. during emergency situations;
9. where prohibited by law;
10. where technical limitations exist.

The Company reserves the right to determine which services are available based on operational, legal, regulatory, technical, security, or business considerations.

3.6 No Guarantee of Future Features

Descriptions of planned, anticipated, preview, beta, roadmap, or future services are provided solely for informational purposes.

Unless expressly agreed in writing, no statement regarding future functionality shall create a contractual obligation requiring the Company to develop, release, maintain, or support any specific feature, technology, integration, product, or service.

3.7 Platform Integrity

The Company may implement administrative, technical, and operational safeguards to maintain the integrity, availability, confidentiality, and security of the Platform.

Such safeguards may include:

1. authentication controls;
2. encryption technologies where implemented;
3. tamper-evident mechanisms where implemented;
4. audit logging;
5. communication monitoring necessary for service operation;
6. fraud detection;
7. cybersecurity monitoring;
8. vulnerability management;
9. incident response procedures;
10. business continuity planning;
11. disaster recovery planning;
12. automated abuse prevention;
13. artificial intelligence-assisted security;
14. future security technologies.

The Company continually evaluates and improves its security posture but does not represent or guarantee that any technology, system, communication method, or security measure is infallible or immune from compromise.

4.1 Eligibility

To access or use the Platform, you represent and warrant that:

1. you possess the legal capacity to enter into binding agreements under applicable law;
2. you are at least eighteen (18) years of age, or the age of majority required by the laws applicable to your jurisdiction if higher;
3. you are not prohibited by law from using the Platform or receiving the services offered;
4. you are not using the Platform on behalf of any individual or entity prohibited by applicable law or governmental restrictions; and
5. your use of the Platform complies with all applicable federal, state, local, and international laws and regulations.

If you are accessing the Platform on behalf of another person or legal entity, you further represent that you possess the authority necessary to bind that person or entity to these Terms.

4.2 Business and Organization Accounts

Business, governmental, nonprofit, educational, and enterprise organizations may establish organizational accounts within the Platform.

The individual creating such account represents and warrants that they possess the legal authority to:

1. create the account;
2. purchase subscriptions;
3. invite users;
4. assign permissions;
5. manage documents;
6. administer billing;
7. designate administrators;
8. authorize electronic transactions; and
9. otherwise bind the organization with respect to Platform administration.

The Company may reasonably rely upon permissions assigned through the Platform without independently verifying internal organizational authority.

4.3 Enterprise Administrators

Organizations may designate one or more administrators.

Administrators may be granted authority to:

1. manage users;
2. invite or remove team members;
3. configure authentication settings;
4. enable or require Multi-Factor Authentication (MFA);
5. administer subscriptions;
6. review activity logs;
7. manage organization-owned documents;
8. configure integrations;
9. manage security settings;
10. assign administrative privileges; and
11. perform other administrative functions supported by the Platform.

Organizations are solely responsible for determining appropriate administrative privileges and monitoring administrator activity.

4.4 User Responsibilities

Each user agrees to:

1. provide accurate information;
2. maintain current account information;
3. protect authentication credentials;
4. promptly report suspected unauthorized access;
5. comply with applicable laws;
6. use the Platform only for lawful purposes;
7. cooperate with reasonable security procedures;
8. maintain appropriate security for devices used to access the Platform;
9. review documents before signing or sending them;
10. verify recipient information before dispatching documents or communications; and
11. use reasonable care when relying upon information generated through the Platform.

Users remain responsible for all actions performed through their accounts unless unauthorized access resulted from circumstances beyond the user's reasonable control.

4.5 Account Ownership

Unless otherwise agreed in writing:

1. individual accounts are owned by the registered individual;
2. organizational accounts are administered on behalf of the applicable organization;
3. documents uploaded by organizational users may be managed by authorized organizational administrators in accordance with organization policies and applicable law.

The Company does not determine ownership disputes between private parties. In the event of conflicting ownership claims, the Company may temporarily suspend administrative changes while requesting reasonable documentation from the parties involved.

4.6 Invitations and Authorized Representatives

Users may invite other individuals to access documents, workflows, or services through the Platform.

By sending invitations, the sending user represents and warrants that:

1. they possess authority to invite the recipient;
2. the recipient's contact information has been lawfully obtained;
3. the invitation complies with applicable law;
4. the document may lawfully be shared with the recipient; and
5. the recipient has been selected by an authorized individual.

The Company does not independently verify whether a particular recipient should receive a document unless required by applicable law or court order.

4.7 Accurate Contact Information

Users are responsible for maintaining current:

1. email addresses;
2. mobile telephone numbers;
3. mailing addresses where requested;
4. billing information;
5. payment methods;
6. organization information;
7. authorized representatives;
8. emergency contact information where applicable.

Failure to maintain accurate information may delay communications, impair account recovery, interrupt subscriptions, or affect delivery of electronic notices.

4.8 Security Cooperation

Users agree to cooperate with reasonable security procedures implemented by the Company, including:

1. password updates;
2. Multi-Factor Authentication;
3. account verification;
4. identity verification;
5. device verification;
6. fraud investigations;
7. security reviews;
8. suspicious activity investigations;
9. lawful requests for additional verification where appropriate.

Failure to cooperate with reasonable security measures may result in temporary restriction or suspension of certain Platform functions until verification is completed.

4.9 Account Suspension

The Company may temporarily suspend or limit access to an account when it reasonably believes that:

1. these Terms have been violated;
2. fraudulent activity may have occurred;
3. unauthorized access is suspected;
4. payment obligations remain outstanding;
5. Platform security may be compromised;
6. identity verification cannot be completed where required;
7. governmental or judicial process requires action;
8. continuation of service presents a material risk to users, the Company, or third parties.

Where practicable, the Company will make commercially reasonable efforts to notify the affected user of the reason for the suspension, except where prohibited by law or where doing so would compromise security or an ongoing investigation.

4.10 Account Termination by the User

Users may terminate their accounts at any time through available Platform functionality or by contacting the Company, subject to:

1. outstanding payment obligations;
2. document retention requirements;
3. legal preservation obligations;
4. active subscription terms;
5. pending disputes;
6. applicable law.

Termination of an account does not automatically delete records that the Company is required or permitted to retain under applicable law, contractual obligations, or the Company's published retention policies.

4.11 Account Termination by the Company

The Company reserves the right to suspend or terminate accounts where it reasonably determines that:

1. the Platform is being used unlawfully;
2. fraudulent conduct has occurred;
3. intellectual property rights are being infringed;
4. repeated violations of these Terms have occurred;
5. malicious software or automated attacks are being conducted;
6. unauthorized access attempts are occurring;
7. sanctions, export control restrictions, or other legal requirements prohibit continued service;
8. continued access would present a material security, operational, legal, or financial risk.

Nothing in this section limits any other rights or remedies available to the Company under these Terms or applicable law.

4.12 Survival of Obligations

Termination or suspension of an account does not affect provisions of these Terms that by their nature are intended to survive, including but not limited to:

1. payment obligations;
2. confidentiality obligations;
3. intellectual property provisions;
4. audit rights;
5. dispute resolution provisions;
6. limitation of liability;
7. indemnification;
8. record retention;
9. applicable legal compliance obligations.

For purposes of these Terms, the following definitions shall apply unless the context clearly requires otherwise.

5.1 Account

"Account" means a registered relationship between a user and the Platform that permits access to one or more services, features, subscriptions, workspaces, APIs, or administrative functions.

An Account may include individual, business, enterprise, governmental, nonprofit, educational, administrative, service, developer, or future account types.

5.2 Administrator

"Administrator" means an individual designated by a Customer or Organization with authority to manage users, permissions, subscriptions, security settings, integrations, workflows, communications, or other administrative functions available within the Platform.

5.3 Artificial Intelligence (AI)

"Artificial Intelligence" or "AI" means software systems capable of generating, interpreting, analyzing, translating, summarizing, recommending, automating, classifying, extracting, or otherwise processing information using computational models, machine learning, natural language processing, statistical analysis, or future artificial intelligence technologies.

5.4 AI Services

"AI Services" means any Platform functionality utilizing Artificial Intelligence, including but not limited to:

1. AI Chat;
2. AI Assistant;
3. AI Document Review;
4. AI OCR;
5. AI Translation;
6. AI Summaries;
7. AI Search;
8. AI Recommendations;
9. AI Automation;
10. AI Fraud Detection;
11. AI Customer Support;
12. future AI technologies.

5.5 API

"API" means any Application Programming Interface made available by the Company for integration, automation, interoperability, data exchange, authentication, communication, or future software interactions.

5.6 Audit Trail

"Audit Trail" means the chronological collection of records generated by the Platform documenting supported workflow events.

Audit Trails may include:

1. timestamps;
2. authentication events;
3. document actions;
4. signature events;
5. communication events;
6. IP address information;
7. browser information;
8. device information;
9. system events;
10. security events;
11. metadata;
12. future operational records.

An Audit Trail is intended to record Platform activity and should not be interpreted as an independent legal determination regarding authenticity, enforceability, or admissibility.

5.7 Authentication

"Authentication" means any process used by the Platform to verify the identity of a user, device, application, or organization.

Authentication methods may include passwords, authenticator applications, one-time passcodes, hardware security keys, biometric verification where legally authorized, enterprise identity providers, or future authentication technologies.

5.8 Certificate of Completion™

"Certificate of Completion™" means a Platform-generated electronic record summarizing supported document workflow information, including available metadata, participant information, timestamps, verification information, and related audit information.

A Certificate of Completion™ documents recorded Platform events and does not constitute a judicial determination, legal opinion, governmental certification, or independent guarantee regarding the validity, enforceability, admissibility, or legal effect of any document.

5.9 Communications

"Communications" means any information transmitted electronically through the Platform, including but not limited to:

1. emails;
2. SMS messages;
3. MMS messages;
4. WhatsApp messages;
5. push notifications;
6. portal messages;
7. Dispatch Center messages;
8. APIs;
9. webhooks;
10. enterprise integrations;
11. future communication technologies.

5.10 Customer

"Customer" means an individual or organization maintaining a Workspace or subscription used to create, prepare, manage, send, receive, administer, or otherwise control Platform workflows.

5.11 Dispatch Center

"Dispatch Center" means the Platform's communication management system responsible for coordinating, routing, scheduling, retrying, monitoring, logging, or facilitating electronic communications through one or more supported delivery channels.

5.12 Document

"Document" means any electronic file, record, attachment, agreement, exhibit, image, form, certificate, template, contract, disclosure, acknowledgment, or other digital content uploaded, created, processed, transmitted, stored, signed, or otherwise managed through the Platform.

5.13 Electronic Communication

"Electronic Communication" means any communication transmitted electronically between the Platform and a user, or between users through the Platform, including emails, text messages, push notifications, portal messages, APIs, webhooks, artificial intelligence interactions, or future communication technologies.

5.14 Electronic Record

"Electronic Record" means information created, generated, sent, communicated, received, stored, maintained, or reproduced by electronic means.

5.15 Electronic Signature

"Electronic Signature" means an electronic sound, symbol, process, image, signature, initials, biometric input where legally authorized, or other electronic method logically associated with an electronic record and executed with the intent to sign.

5.16 Enterprise Organization

"Enterprise Organization" means any business, governmental entity, nonprofit organization, educational institution, corporation, partnership, limited liability company, association, or other legal entity maintaining one or more organizational accounts within the Platform.

5.17 Information

"Information" means data of any kind processed through the Platform, including:

1. personal information;
2. business information;
3. document information;
4. metadata;
5. audit information;
6. communications;
7. payment information;
8. authentication information;
9. security information;
10. AI-generated information;
11. future digital information.

5.18 IPEN

"IPEN" means In-Person Electronic Notarization, where offered by the Platform and authorized under applicable law.

5.19 Platform

"Platform" means the JHS Solutions LLC Portal Platform and every website, application, API, software product, communication service, artificial intelligence service, future technology, or related service operated by the Company.

5.20 RON

"RON" means Remote Online Notarization, where offered and legally authorized.

5.21 Signer

"Signer" means any individual invited or authorized to review, acknowledge, approve, electronically sign, initial, or otherwise interact with a document through the Platform.

5.22 Trust Center™

"Trust Center™" means the Platform's document verification service that enables supported verification of documents, Certificates of Completion™, Verification IDs, and related Platform-generated validation information.

5.23 User

"User" means any individual or entity accessing or using any portion of the Platform, regardless of account type.

5.24 Verification ID

"Verification ID" means a unique identifier generated by the Platform for supported verification workflows. A Verification ID is intended solely to facilitate validation within the Platform and is not a governmental registration number, public filing number, or independent legal certification.

5.25 Workspace

"Workspace" means a customer-controlled environment within the Platform used to prepare, organize, manage, transmit, receive, monitor, or store documents, workflows, communications, templates, and related account resources.

Interpretation

Unless the context clearly requires otherwise:

1. words in the singular include the plural, and vice versa;
2. headings are for convenience only and do not affect interpretation;
3. references to future technologies include reasonable technological successors;
4. references to laws include amendments, replacements, and successor legislation;
5. examples introduced by "including" or similar terms are illustrative and not exhaustive.

6.1 Account Registration

Access to certain Platform services requires the creation of an Account.

Depending upon the services selected, a User may register or be invited to access one or more of the following account types:

1. Individual Accounts;
2. Customer Workspace Accounts;
3. Signer Accounts;
4. Administrator Accounts;
5. Enterprise Organization Accounts;
6. Team Member Accounts;
7. Developer Accounts;
8. Service Accounts;
9. API Accounts;
10. Mobile Application Accounts;
11. Future Platform Accounts.

The Company reserves the right to modify, rename, consolidate, expand, or discontinue account types as the Platform evolves.

Registration does not guarantee approval, continued availability, or uninterrupted access to the Platform.

6.2 Accurate Registration Information

Users represent and warrant that all information submitted during registration or thereafter is:

1. true;
2. accurate;
3. complete;
4. current;
5. not misleading.

Users agree to promptly update their information whenever changes occur, including:

1. legal name;
2. organization name;
3. business information;
4. billing information;
5. mailing address;
6. email address;
7. mobile telephone number;
8. payment methods;
9. authorized representatives;
10. notification preferences.

The Company may suspend, limit, or terminate access where materially inaccurate information creates operational, legal, security, or fraud-related concerns.

6.3 Identity Verification

Certain Platform services may require identity verification.

Verification procedures may include one or more of the following, where implemented and legally authorized:

1. government-issued identification;
2. credential analysis;
3. knowledge-based authentication;
4. email verification;
5. mobile verification;
6. one-time authentication codes;
7. biometric verification where legally permitted;
8. document verification;
9. manual review;
10. third-party identity verification providers;
11. future verification technologies.

The specific verification method used may vary depending on:

1. applicable law;
2. jurisdiction;
3. subscription level;
4. requested service;
5. transaction risk;
6. security requirements.

Completion of identity verification does not constitute a governmental certification or guarantee of a person's identity outside the specific verification process performed.

6.4 Multi-Factor Authentication (MFA)

To enhance account security, the Platform may offer or require Multi-Factor Authentication ("MFA").

Available authentication factors may include:

1. authenticator applications;
2. one-time passcodes;
3. SMS verification where available;
4. email verification;
5. hardware security keys;
6. biometric authentication where legally authorized;
7. enterprise identity providers;
8. future authentication technologies.

The Company reserves the right to require MFA for:

1. Administrator Accounts;
2. Enterprise Organizations;
3. billing modifications;
4. payment method changes;
5. password recovery;
6. API administration;
7. elevated privileges;
8. high-risk transactions;
9. security-sensitive functions;
10. future Platform features.

Users are responsible for maintaining access to required authentication devices.

6.5 Password Security

Users are solely responsible for maintaining the confidentiality of:

1. passwords;
2. passphrases;
3. authentication codes;
4. recovery codes;
5. security keys;
6. API credentials;
7. access tokens;
8. authentication devices.

Users agree not to:

1. disclose credentials to unauthorized persons;
2. reuse passwords in a manner that materially increases security risk;
3. intentionally weaken account security;
4. circumvent authentication controls.

The Company may establish password complexity requirements, expiration policies, reuse restrictions, or additional authentication standards as part of its security program.

6.6 Session Management

To protect Platform security, the Company may automatically:

1. terminate inactive sessions;
2. invalidate expired authentication tokens;
3. revoke active sessions;
4. require re-authentication;
5. expire invitation links;
6. expire password reset links;
7. terminate suspicious sessions;
8. invalidate compromised credentials;
9. revoke administrative sessions;
10. introduce additional session protections.

Session duration may vary depending upon:

1. account type;
2. subscription level;
3. device;
4. security settings;
5. transaction risk;
6. applicable law.

6.7 Device Security

Users are responsible for maintaining reasonable security for devices used to access the Platform.

This includes:

1. installing security updates;
2. maintaining current operating systems;
3. protecting devices from unauthorized access;
4. using commercially reasonable anti-malware protections where appropriate;
5. protecting physical access to devices;
6. promptly reporting lost or stolen authentication devices where such loss may affect Platform security.

The Company is not responsible for unauthorized access resulting from compromised user devices beyond the Company's reasonable control.

6.8 Authorized Access

Users shall access only those accounts, documents, workflows, APIs, communications, and resources for which they possess authorization.

Users shall not:

1. attempt unauthorized access;
2. bypass authentication controls;
3. impersonate another individual;
4. interfere with authentication mechanisms;
5. exploit software vulnerabilities;
6. attempt privilege escalation;
7. use automated methods to gain unauthorized access.

Unauthorized access may result in immediate suspension or termination and may be reported to appropriate authorities where required or appropriate under applicable law.

6.9 Security Monitoring

To maintain Platform integrity, the Company may monitor Platform activity using administrative, technical, and operational safeguards.

Monitoring may include:

1. login activity;
2. authentication attempts;
3. IP address information;
4. browser metadata;
5. device identifiers;
6. API activity;
7. security events;
8. communication events;
9. audit logs;
10. fraud detection systems;
11. artificial intelligence-assisted anomaly detection;
12. rate limiting;
13. automated abuse prevention;
14. future security technologies.

Such monitoring is conducted for purposes including:

1. protecting users;
2. detecting fraud;
3. preventing unauthorized access;
4. maintaining Platform security;
5. improving services;
6. complying with applicable law.

Monitoring is performed in accordance with the Platform's Privacy Policy and applicable legal requirements.

6.10 Fraud Prevention

The Company maintains administrative, technical, and operational measures intended to detect, investigate, and reduce fraudulent or abusive activity.

Such measures may include:

1. risk scoring;
2. behavioral analysis;
3. duplicate account detection;
4. document integrity verification;
5. communication analysis necessary to operate the Platform;
6. suspicious transaction monitoring;
7. payment verification;
8. authentication review;
9. AI-assisted fraud detection;
10. machine learning systems;
11. future fraud prevention technologies.

Where the Company reasonably believes fraudulent activity may be occurring, it may:

1. temporarily suspend transactions;
2. request additional verification;
3. delay processing;
4. restrict account functionality;
5. reject transactions;
6. suspend or terminate accounts;
7. notify affected users where appropriate;
8. cooperate with financial institutions, law enforcement, regulators, or other authorized entities as permitted or required by applicable law.

6.11 Security Cooperation

Users agree to cooperate with reasonable security procedures established by the Company.

Such cooperation may include:

1. responding to verification requests;
2. confirming identity;
3. updating authentication information;
4. changing passwords;
5. enabling required MFA;
6. responding to suspected account compromise;
7. assisting in fraud investigations affecting their accounts.

Failure to cooperate with reasonable security requests may result in temporary suspension of affected services until verification is completed.

6.12 Security Improvements

Technology and cybersecurity practices evolve continuously.

Accordingly, the Company reserves the right to modify, improve, replace, or expand its security program at any time, including:

1. authentication technologies;
2. encryption methods;
3. monitoring systems;
4. cybersecurity controls;
5. AI-assisted protections;
6. fraud prevention mechanisms;
7. identity verification procedures;
8. incident response processes;
9. security policies;
10. future security technologies.

Nothing contained within these Terms shall be interpreted as guaranteeing that any security measure, authentication method, cybersecurity technology, or fraud prevention system is immune from compromise or capable of preventing every unauthorized event.

Users acknowledge that no electronic communication system, software platform, network, authentication method, or cybersecurity program can guarantee absolute security.

7.1 Consent to Electronic Communications

By creating an Account, using the Platform, submitting information, sending or receiving documents, subscribing to services, making payments, electronically signing records, or otherwise interacting with the Platform, you expressly consent to receive electronic communications from the Company to the fullest extent permitted by applicable law.

Electronic communications may satisfy any legal requirement that communications be in writing where permitted by applicable law.

Where applicable law requires separate consent for certain categories of communications, the Company will obtain such consent before sending those communications.

7.2 Types of Communications

The Company may communicate with Users regarding the Platform, their Accounts, transactions, security, subscriptions, legal obligations, customer support, or future services.

Communications may include, without limitation:

1. account registration confirmations;
2. authentication requests;
3. Multi-Factor Authentication codes;
4. password reset instructions;
5. identity verification notices;
6. document invitations;
7. signature requests;
8. reminder notices;
9. completed document notifications;
10. Certificate of Completion™ notifications;
11. Trust Center™ verification notifications;
12. Verification ID confirmations;
13. billing notices;
14. invoices;
15. receipts;
16. subscription confirmations;
17. free trial notifications;
18. trial expiration reminders;
19. renewal notices;
20. payment confirmations;
21. payment failures;
22. failed delivery notices;
23. system maintenance notifications;
24. security alerts;
25. fraud alerts;
26. privacy notices;
27. updates to legal documents;
28. service announcements;
29. customer support responses;
30. dispute communications;
31. compliance notices;
32. future service notifications.

7.3 Communication Methods

The Platform may communicate using one or more communication channels, including:

1. Email;
2. SMS;
3. MMS;
4. WhatsApp;
5. Secure Portal Messaging;
6. Push Notifications;
7. Browser Notifications;
8. Mobile Application Notifications;
9. Voice Communications where offered;
10. Video Communications where offered;
11. Dispatch Center;
12. APIs;
13. Webhooks;
14. Enterprise Integrations;
15. Third-Party Messaging Providers;
16. Future Digital Communication Technologies.

Communication methods may change as technology evolves.

The Company may add, replace, or discontinue communication methods without modifying these Terms, provided such changes remain consistent with applicable law.

7.4 Dispatch Center

The Platform may utilize a centralized communication management system known as the Dispatch Center.

The Dispatch Center may:

1. queue communications;
2. schedule deliveries;
3. retry failed deliveries;
4. monitor delivery status;
5. route communications through available providers;
6. prioritize urgent communications;
7. maintain delivery logs;
8. coordinate multi-channel communications;
9. generate delivery reports;
10. facilitate enterprise communication workflows.

The Company may utilize one or more third-party providers to operate portions of the Dispatch Center.

7.5 Transactional Communications

Certain communications are essential to the operation of the Platform and are considered Transactional Communications.

Transactional Communications may include:

1. document invitations;
2. authentication messages;
3. MFA codes;
4. password recovery;
5. billing confirmations;
6. invoices;
7. payment receipts;
8. completed document notices;
9. document status updates;
10. Trust Center™ notifications;
11. Certificate of Completion™ notifications;
12. security alerts;
13. fraud prevention notices;
14. legal notices;
15. policy updates;
16. account recovery;
17. administrative notifications.

Users acknowledge that Transactional Communications are necessary to provide the Platform and generally cannot be disabled while an Account remains active, except where required by applicable law.

7.6 Marketing Communications

Where permitted by applicable law and where any required consent has been obtained, the Company may send Marketing Communications regarding:

1. Platform features;
2. new products;
3. educational materials;
4. webinars;
5. promotions;
6. discounts;
7. training;
8. announcements;
9. events;
10. newsletters;
11. future services.

Marketing Communications are separate from Transactional Communications.

Users may opt out of Marketing Communications using available unsubscribe mechanisms, account preferences, or other methods provided by the Company.

Opting out of Marketing Communications does not prevent the Company from sending Transactional Communications necessary to operate the Platform or comply with legal obligations.

7.7 Email Communications

Email constitutes one of the primary communication methods used by the Platform.

Users agree to:

1. maintain an active email address;
2. monitor their inbox regularly;
3. review spam or junk folders;
4. whitelist Company domains where appropriate;
5. promptly update email addresses upon change.

The Company may employ commercially reasonable email security technologies, including:

1. authenticated email delivery;
2. domain authentication;
3. anti-spoofing technologies;
4. encryption where implemented;
5. future email security technologies.

Email delivery may depend upon third-party providers outside the Company's control.

7.8 SMS, MMS and Mobile Messaging

Where offered, the Platform may communicate using SMS, MMS, or similar messaging technologies.

Users acknowledge that:

1. message frequency may vary;
2. carrier message and data rates may apply;
3. supported carriers may change;
4. delivery times cannot be guaranteed;
5. wireless carriers operate independently of the Company.

Users may revoke consent for marketing text messages using the opt-out mechanisms provided by the Company where applicable.

Nothing in this section limits the Company's ability to send legally permitted Transactional Communications necessary to operate the Platform.

7.9 WhatsApp and Third-Party Messaging Platforms

The Platform may integrate with WhatsApp Business and other third-party messaging platforms.

Such services remain subject to:

1. their own terms;
2. technical limitations;
3. availability;
4. privacy practices;
5. operational requirements.

The Company is not responsible for interruptions or policy changes imposed by third-party messaging providers.

7.10 Push Notifications

Supported mobile applications and browsers may provide Push Notifications.

Users may manage Push Notification preferences through supported device settings or Platform controls where available.

Disabling Push Notifications may delay awareness of important Platform events.

7.11 Electronic Delivery

Electronic Communications are considered delivered when transmitted by the Platform or an authorized service provider to the electronic destination designated by the User, including:

1. email addresses;
2. mobile telephone numbers;
3. secure portal inboxes;
4. authenticated application sessions;
5. API endpoints;
6. webhook endpoints;
7. enterprise messaging systems;
8. other electronic destinations designated by the User.

Transmission does not guarantee that a communication has been read, opened, downloaded, or acted upon.

Where applicable law requires proof of receipt for a particular communication, the Company will use commercially reasonable measures consistent with the applicable legal requirements.

7.12 User Responsibility for Contact Information

Users are solely responsible for maintaining current:

1. email addresses;
2. telephone numbers;
3. messaging preferences;
4. notification settings;
5. billing contacts;
6. organizational contacts;
7. emergency contacts where applicable.

The Company shall not be responsible for delays or failures caused by inaccurate, outdated, blocked, inactive, suspended, or inaccessible contact information provided by the User.

7.13 Communication Records

The Company may retain records relating to electronic communications for purposes including:

1. service operation;
2. customer support;
3. security;
4. fraud prevention;
5. audit;
6. legal compliance;
7. dispute resolution;
8. system improvement;
9. quality assurance.

Such records may include:

1. transmission timestamps;
2. delivery status;
3. communication metadata;
4. authentication events;
5. system logs;
6. routing information;
7. delivery confirmations where available.

Retention periods are governed by the Company's Privacy Policy, record retention practices, contractual obligations, and applicable law.

7.14 Future Communication Technologies

Technology continues to evolve.

Accordingly, the Company reserves the right to adopt future communication technologies, delivery mechanisms, authentication methods, messaging platforms, or digital communication standards that provide comparable or improved functionality, provided their use remains consistent with applicable law.

References within these Terms to specific communication technologies shall be interpreted to include reasonable technological successors.

7.15 Electronic Notice of Legal Changes

The Company may provide notice of material changes to these Terms, Privacy Policy, or other governing policies through one or more of the following:

1. email;
2. Platform notifications;
3. Dispatch Center communications;
4. account dashboard notices;
5. website announcements;
6. other reasonable electronic means.

Continued use of the Platform following the effective date of updated policies constitutes acceptance of such changes, except where applicable law requires additional consent.

8.1 Purpose

The Platform is designed to facilitate the creation, transmission, execution, storage, management, verification, and retention of Electronic Records and Electronic Signatures through secure electronic technologies.

The Company's objective is to provide technology that supports legally recognized electronic transactions while promoting security, transparency, accountability, and operational efficiency.

The Platform provides technology services and does not determine whether any specific document, transaction, or agreement is legally enforceable under the laws applicable to a particular transaction or jurisdiction.

8.2 Electronic Records

The Platform may create, receive, store, transmit, reproduce, archive, organize, or otherwise process Electronic Records.

Electronic Records may include:

1. agreements;
2. contracts;
3. disclosures;
4. acknowledgments;
5. forms;
6. notices;
7. invoices;
8. receipts;
9. certificates;
10. templates;
11. affidavits;
12. correspondence;
13. attachments;
14. metadata;
15. audit information;
16. future electronic documents.

Electronic Records may exist solely in electronic form unless otherwise required by applicable law.

8.3 Electronic Signatures

Where supported, Users may execute Electronic Signatures through the Platform.

An Electronic Signature may consist of one or more legally recognized electronic methods, including:

1. typed signatures;
2. drawn signatures;
3. uploaded signature images;
4. initials;
5. electronic acknowledgments;
6. electronic acceptance;
7. electronic consent;
8. authenticated click-through acceptance;
9. biometric methods where legally authorized;
10. future legally recognized electronic signature technologies.

The method used may vary depending upon the service, jurisdiction, transaction type, customer preferences, or applicable law.

8.4 Intent to Sign

The Platform is designed to require affirmative user action before an Electronic Signature is applied.

Depending upon the workflow, affirmative action may include:

1. selecting a signature field;
2. drawing a signature;
3. typing a signature;
4. uploading a signature;
5. clicking a designated acceptance button;
6. confirming an intent to sign;
7. completing another authentication step supported by the Platform.

The Company may record available information associated with such actions as part of the Platform's Audit Trail.

The Company does not determine whether a particular action satisfies all legal requirements applicable to every jurisdiction or transaction.

8.5 Consent to Electronic Transactions

Where required by applicable law, the Platform may request a User's consent to conduct business electronically.

Users are responsible for reviewing disclosures presented before providing such consent.

A User who declines required electronic consent may be unable to complete electronic workflows that depend upon such consent.

Nothing in this section limits any rights that cannot lawfully be waived.

8.6 ESIGN Act and State Electronic Transactions Laws

The Platform is intended to support electronic transactions consistent with applicable law, including the United States Electronic Signatures in Global and National Commerce Act (ESIGN Act) and applicable state electronic transactions laws, including Florida's Uniform Electronic Transaction Act where applicable.

The Company does not represent that every document or transaction is eligible for electronic execution under every applicable law. Certain records may require paper execution, notarization, governmental filing, or other procedures outside the Platform.

Users are responsible for determining whether electronic execution is appropriate for their specific transaction.

8.7 Trust Center™

The Platform includes the Trust Center™, a verification service intended to assist Users in validating supported Platform-generated information associated with eligible document workflows.

Where supported, the Trust Center™ may display available verification information, including:

1. Verification IDs;
2. document status;
3. completion dates;
4. supported audit information;
5. associated Certificate of Completion™;
6. document metadata;
7. future verification information.

The Trust Center™ is intended as a verification tool for supported Platform records. It is not a governmental registry, public recording office, certification authority, or judicial body.

8.8 Verification IDs

The Platform may generate a Verification ID for eligible document workflows.

Verification IDs are unique identifiers intended to facilitate verification within the Platform.

A Verification ID:

1. is not a governmental registration number;
2. is not a recording number;
3. is not a filing number;
4. is not a legal opinion;
5. is not an independent certification of authenticity.

Verification IDs are provided solely as part of the Platform's verification process.

8.9 Certificate of Completion™

For eligible transactions, the Platform may generate a Certificate of Completion™.

The Certificate of Completion™ may summarize available workflow information, including:

1. participating users;
2. signing events;
3. timestamps;
4. document identifiers;
5. verification information;
6. authentication events;
7. audit information;
8. available metadata;
9. future workflow information.

The Certificate of Completion™ is intended to document recorded Platform activity.

It does not constitute:

1. legal advice;
2. a judicial determination;
3. a governmental certification;
4. an independent guarantee of enforceability;
5. an opinion regarding authenticity beyond the information recorded by the Platform.

8.10 Audit Trails

The Platform may generate Audit Trails documenting supported workflow activity.

Audit Trails may include:

1. document creation events;
2. invitation events;
3. authentication events;
4. signature events;
5. communication events;
6. timestamps;
7. IP address information;
8. browser information;
9. device information;
10. session information;
11. available geolocation information where collected;
12. workflow events;
13. administrative actions;
14. future audit information.

Audit Trails are intended to assist Users in understanding recorded Platform activity.

8.11 Tamper-Evident Technologies

Where implemented, the Platform may utilize commercially reasonable tamper-evident technologies intended to assist in identifying certain modifications to supported records.

Such technologies may include:

1. cryptographic hashing;
2. document integrity checks;
3. audit logging;
4. verification services;
5. digital certificates;
6. checksum validation;
7. secure storage controls;
8. future integrity technologies.

No tamper-evident technology can guarantee detection of every alteration or unauthorized activity.

8.12 Digital Evidence

Records generated by the Platform may include electronic evidence relating to supported workflows.

Such evidence may include:

1. authentication events;
2. timestamps;
3. communications;
4. workflow activity;
5. verification information;
6. audit records;
7. metadata;
8. digital signatures;
9. future electronic evidence.

The existence of Platform-generated evidence does not determine its admissibility, weight, or legal effect in any judicial, administrative, arbitration, or governmental proceeding. Those determinations are made by the applicable tribunal under governing law.

8.13 Record Retention

The Company may retain Electronic Records, Audit Trails, Certificates of Completion™, Verification IDs, communications, security logs, and related operational information for periods determined by:

1. applicable law;
2. contractual obligations;
3. published retention policies;
4. subscription plans;
5. legitimate business needs.

Retention of records does not obligate the Company to preserve records indefinitely unless required by law or a separate written agreement.

8.14 Platform Integrity

The Company continuously develops technologies intended to promote the integrity, reliability, and security of Platform workflows.

The Company may modify verification methods, audit systems, integrity controls, cryptographic techniques, authentication procedures, or record management technologies as technology and legal requirements evolve.

Nothing in these Terms shall be interpreted as a guarantee that any Electronic Record, Electronic Signature, Verification ID, Certificate of Completion™, Audit Trail, or security technology is immune from error, misuse, unauthorized activity, cyberattack, or legal challenge.

8.15 User Responsibility

Users remain solely responsible for:

1. determining whether electronic execution is appropriate for a particular transaction;
2. reviewing documents before signing;
3. confirming recipient identities;
4. obtaining legal advice when necessary;
5. complying with laws applicable to their transactions;
6. maintaining copies of important records when appropriate.

The Platform provides technology to facilitate electronic workflows. Responsibility for the underlying transaction remains with the parties to that transaction.

9.1 Paid Services

Certain Platform features, subscriptions, products, modules, enterprise services, integrations, artificial intelligence services, APIs, mobile applications, communication services, notarial services, storage services, or future offerings may require payment.

The Company reserves the right to determine:

1. available subscription plans;
2. pricing;
3. usage limits;
4. included features;
5. billing frequencies;
6. payment methods;
7. promotional pricing;
8. enterprise pricing;
9. regional pricing;
10. future pricing models.

Access to paid services may be suspended or limited until applicable fees have been successfully processed.

9.2 Free Trial

The Company may offer a free trial for eligible services.

Unless otherwise stated in writing:

1. the standard trial period is fourteen (14) calendar days;
2. trial availability is determined by the Company;
3. trial eligibility may be limited to new customers or organizations;
4. only one trial may be permitted per individual, organization, household, business, or other entity, except where the Company expressly authorizes otherwise.

The Company reserves the right to verify eligibility and deny or terminate a trial where it reasonably determines that a trial has been obtained through fraud, abuse, misrepresentation, or circumvention of eligibility requirements.

9.3 Trial Features

Trial accounts may include:

1. limited storage;
2. limited document volume;
3. limited users;
4. limited integrations;
5. limited AI functionality;
6. limited API access;
7. limited communication features;
8. limited enterprise functionality;
9. other restrictions determined by the Company.

Trial functionality may differ from paid subscriptions without notice.

9.4 Trial Expiration

At the conclusion of the trial period:

1. trial features may be disabled;
2. access to certain Platform functionality may be restricted;
3. subscriptions may convert to a paid plan only if the applicable enrollment process and disclosures satisfy applicable law and any required user authorization has been obtained;
4. data retention following expiration shall be governed by the Company's retention policies and applicable law.

The Company may provide reminders before or after trial expiration but does not guarantee that every reminder will be delivered.

9.5 Subscription Services

The Platform may offer:

1. monthly subscriptions;
2. annual subscriptions;
3. enterprise subscriptions;
4. usage-based subscriptions;
5. seat-based subscriptions;
6. transaction-based pricing;
7. API pricing;
8. storage pricing;
9. future billing models.

Subscription details shall be displayed during enrollment or otherwise communicated by the Company.

9.6 Payment Methods

The Company may accept one or more payment methods including:

1. credit cards;
2. debit cards;
3. Automated Clearing House (ACH) payments where available;
4. electronic funds transfers;
5. digital wallets;
6. bank transfers where supported;
7. enterprise invoicing;
8. purchase orders where approved;
9. future electronic payment methods.

Payment methods are processed through approved payment providers selected by the Company.

The Company does not store full payment card information except as necessary or permitted by applicable law and technical implementation.

9.7 Payment Authorization

By submitting a payment method, you represent and warrant that:

1. you are authorized to use the payment method;
2. all payment information is accurate;
3. sufficient funds or credit are available;
4. you authorize the Company and its payment processors to charge applicable fees, taxes, and authorized recurring charges consistent with your subscription and applicable law.

You remain responsible for all authorized charges associated with your account.

9.8 Billing

Billing may occur:

1. immediately upon purchase;
2. at recurring intervals selected during enrollment;
3. upon reaching usage thresholds where applicable;
4. upon enterprise invoicing schedules;
5. upon renewal;
6. upon upgrades;
7. upon additional purchases.

Billing dates may vary slightly due to weekends, holidays, payment processor timing, or operational requirements.

9.9 Automatic Renewal

Where a subscription is designated as automatically renewing, and where permitted by applicable law, the subscription may renew for successive renewal periods until canceled.

The Company will provide any notices required by applicable law regarding recurring subscriptions and renewal practices.

Users may cancel future renewals through available account settings or by contacting the Company, subject to any applicable contractual commitments.

Cancellation generally prevents future renewal charges but does not automatically entitle the user to refunds for charges already incurred unless otherwise required by law or the Company's refund policy.

9.10 Failed Payments

If payment cannot be successfully processed, the Company may:

1. retry the payment;
2. notify the user;
3. request updated payment information;
4. suspend access to paid features;
5. downgrade services;
6. restrict document processing;
7. delay communications;
8. suspend API access;
9. suspend enterprise functionality;
10. terminate subscriptions after reasonable notice where appropriate.

The Company is not responsible for losses resulting from payment failures caused by inaccurate payment information or circumstances beyond its reasonable control.

9.11 Chargebacks and Payment Disputes

Users agree to contact the Company to attempt to resolve billing concerns before initiating a payment dispute where reasonably practicable.

The Company reserves the right to:

1. investigate disputed transactions;
2. provide relevant records to payment processors;
3. suspend accounts associated with fraudulent chargebacks;
4. recover unpaid fees through lawful means;
5. limit future payment methods following repeated abusive disputes.

Nothing in this section limits a user's rights under applicable law to dispute unauthorized or erroneous charges.

9.12 Refund Policy

Unless otherwise required by applicable law or expressly stated in a separate written refund policy:

1. subscription fees are generally non-refundable after the applicable billing period begins;
2. partial billing periods may not be prorated;
3. promotional fees may be non-refundable;
4. enterprise agreements shall be governed by their written contracts.

Nothing in this section limits any non-waivable rights provided by applicable consumer protection laws.

9.13 Taxes

Users are responsible for all applicable taxes, duties, governmental fees, assessments, or similar charges associated with their use of the Platform, except taxes imposed on the Company's net income.

Where required by law, the Company may collect and remit applicable taxes.

9.14 Promotions and Credits

The Company may offer:

1. promotional pricing;
2. discounts;
3. referral incentives;
4. promotional credits;
5. account credits;
6. trial extensions;
7. marketing campaigns;
8. educational pricing;
9. nonprofit pricing;
10. future promotional programs.

Unless expressly stated otherwise:

1. promotional offers have no cash value;
2. promotional credits are non-transferable;
3. promotions may be modified or discontinued at any time;
4. abuse of promotional programs may result in disqualification.

9.15 Enterprise Billing

Enterprise customers may be offered:

1. invoicing;
2. negotiated pricing;
3. purchase orders;
4. consolidated billing;
5. multiple workspaces;
6. departmental billing;
7. annual contracts;
8. custom payment arrangements.

Enterprise agreements may supersede portions of this Article where expressly stated in a written contract.

9.16 Payment Security

The Company utilizes commercially reasonable administrative, technical, and contractual measures to protect payment-related information.

Payment processing may be performed through independent third-party payment providers.

While the Company seeks to work with reputable providers and implement appropriate safeguards, no electronic payment system can guarantee absolute security or uninterrupted availability.

9.17 Currency

Unless otherwise specified, all fees are stated and payable in United States Dollars (USD).

Where additional currencies are offered, exchange rates, conversion fees, or payment provider charges may apply.

9.18 Suspension for Non-Payment

The Company may suspend or restrict access to paid services for non-payment after providing any notice required by applicable law or contract.

During suspension, users may lose access to premium functionality while retaining access to features required by law or Company policy.

Restoration of service may require payment of outstanding balances and completion of any applicable verification procedures.

9.19 Future Financial Services

As the Platform evolves, the Company may introduce:

1. prepaid balances;
2. escrow-related services where legally authorized;
3. usage credits;
4. marketplace billing;
5. partner billing;
6. integrated financial technologies;
7. additional payment methods;
8. future subscription models.

Such services shall be governed by these Terms together with any additional agreements presented at the time the services are offered.

10.1 Commitment to Privacy

The Company recognizes that privacy, confidentiality, and information security are fundamental to maintaining trust in the Platform.

The Company is committed to handling information responsibly and implementing administrative, technical, organizational, contractual, and physical safeguards that are commercially reasonable and appropriate for the services provided.

Nothing in this Article shall be interpreted as creating an absolute guarantee of privacy, confidentiality, uninterrupted availability, or cybersecurity.

10.2 Information Processed

Depending upon the services used, the Platform may process information including:

1. account information;
2. organization information;
3. contact information;
4. documents;
5. communications;
6. authentication information;
7. billing information;
8. payment-related information;
9. transaction information;
10. workflow information;
11. audit information;
12. metadata;
13. browser information;
14. device information;
15. IP address information;
16. approximate location information where collected;
17. AI-generated information;
18. uploaded files;
19. templates;
20. customer support information;
21. future categories of information necessary to provide Platform services.

The categories of information collected and the purposes for which such information is processed are described more fully in the Company's Privacy Policy.

10.3 Confidential Information

Users acknowledge that documents and information processed through the Platform may contain confidential, proprietary, privileged, regulated, or otherwise sensitive information.

Each User remains responsible for determining:

1. whether information should be uploaded;
2. who should receive access;
3. whether additional contractual protections are appropriate;
4. whether legal restrictions apply to a particular document or transaction.

The Company provides technology services and does not independently classify user information as confidential or privileged.

10.4 User Ownership of Content

Except as otherwise provided by law or written agreement, Users retain ownership of documents, information, and content that they lawfully upload to the Platform.

By using the Platform, Users grant the Company a limited, non-exclusive, worldwide, royalty-free license to host, process, transmit, store, reproduce, display (only as necessary), and otherwise use such content solely for purposes of:

1. providing the requested services;
2. operating the Platform;
3. maintaining security;
4. generating audit records;
5. supporting document workflows;
6. providing customer support;
7. complying with legal obligations;
8. enforcing these Terms;
9. improving Platform functionality in a manner consistent with the Privacy Policy and applicable law.

This license terminates when retention obligations have expired and the Company is no longer required or permitted to retain the information.

10.5 Data Governance

The Company maintains information governance practices intended to support:

1. data integrity;
2. data availability;
3. confidentiality;
4. lawful processing;
5. security;
6. accountability;
7. operational continuity;
8. responsible information management.

The Company may modify its governance practices as technology, legal requirements, and business operations evolve.

10.6 Data Retention

The Company may retain information for periods determined by:

1. applicable law;
2. contractual obligations;
3. litigation preservation requirements;
4. regulatory obligations;
5. legitimate business purposes;
6. fraud prevention;
7. cybersecurity;
8. dispute resolution;
9. Platform integrity;
10. published retention schedules.

Retention periods may differ based on document type, account type, subscription level, jurisdiction, or applicable legal requirements.

Upon expiration of applicable retention periods, the Company may archive, anonymize, aggregate, or securely dispose of information consistent with applicable law and Company policy.

10.7 Information Security

The Company employs commercially reasonable safeguards intended to protect information processed through the Platform.

Such safeguards may include, where implemented:

1. encryption in transit;
2. encryption at rest;
3. authentication controls;
4. Multi-Factor Authentication (MFA);
5. access controls;
6. role-based permissions;
7. audit logging;
8. integrity verification;
9. tamper-evident mechanisms;
10. monitoring;
11. vulnerability management;
12. backup procedures;
13. disaster recovery procedures;
14. incident response processes;
15. vendor security management;
16. future security technologies.

No security program, software system, network, communication method, cloud environment, or electronic storage medium can guarantee absolute security.

10.8 Artificial Intelligence Processing

Where AI Services are provided, information may be processed by Artificial Intelligence systems for purposes including:

1. document classification;
2. document summaries;
3. translation;
4. optical character recognition (OCR);
5. search;
6. workflow recommendations;
7. customer support;
8. fraud detection;
9. service improvement;
10. other AI-assisted functionality disclosed by the Company.

Users remain responsible for reviewing AI-generated output before relying upon it for legal, financial, tax, immigration, business, medical, or other significant decisions.

The Company's detailed AI data practices are described in the AI Services Policy and Privacy Policy.

10.9 International Processing

The Platform may utilize cloud infrastructure, communication providers, payment processors, security vendors, artificial intelligence providers, and other service providers located in one or more jurisdictions.

Where information is processed across national borders, the Company will take commercially reasonable steps to protect such information consistent with applicable legal requirements and contractual obligations.

Availability of Platform services may vary depending upon legal restrictions applicable in particular jurisdictions.

10.10 Third-Party Service Providers

The Company may engage carefully selected third-party providers to assist in operating the Platform.

Such providers may support:

1. cloud hosting;
2. payment processing;
3. messaging;
4. email delivery;
5. SMS delivery;
6. WhatsApp communications;
7. customer support;
8. artificial intelligence;
9. analytics;
10. identity verification;
11. fraud prevention;
12. cybersecurity;
13. software development;
14. enterprise integrations;
15. future Platform services.

The Company may require such providers to maintain appropriate contractual obligations regarding confidentiality and security.

10.11 Legal Compliance

The Company may process, preserve, disclose, or restrict information where reasonably necessary to:

1. comply with applicable law;
2. respond to lawful governmental requests;
3. comply with court orders;
4. enforce these Terms;
5. investigate fraud;
6. protect users;
7. protect the Company;
8. protect third parties;
9. respond to security incidents;
10. preserve evidence;
11. defend legal claims.

Nothing in these Terms limits disclosures that are required by applicable law.

10.12 Privacy Policy

The Company's Privacy Policy forms an integral part of these Terms and is incorporated herein by reference.

Where these Terms and the Privacy Policy address the same subject matter, they should be interpreted harmoniously whenever reasonably possible.

In the event of an irreconcilable conflict concerning privacy practices, the Privacy Policy shall govern the specific privacy practice being described, unless applicable law requires a different result.

10.13 Future Data Protection Technologies

As technology evolves, the Company may implement new methods for protecting, processing, classifying, storing, authenticating, monitoring, encrypting, or otherwise managing information.

References in these Terms to particular technologies shall be interpreted to include reasonable technological successors that provide comparable or improved functionality.

The Company reserves the right to adopt such technologies without amending these Terms, provided their use remains consistent with applicable law and the Company's published policies.

11.1 Commitment to Security

The Company is committed to maintaining a security program designed to protect the confidentiality, integrity, availability, and resilience of the Platform and the information entrusted to it.

The Company's security program is intended to evolve continuously in response to:

1. technological advancements;
2. emerging cybersecurity threats;
3. changes in applicable law;
4. industry best practices;
5. operational experience;
6. customer needs;
7. future regulatory developments.

Security is an ongoing process rather than a single product, technology, or certification.

11.2 Cybersecurity Program

The Company maintains administrative, technical, contractual, organizational, and physical safeguards intended to reduce risk and support secure operation of the Platform.

Such safeguards may include, where implemented:

1. access controls;
2. role-based authorization;
3. least-privilege administration;
4. Multi-Factor Authentication (MFA);
5. encryption technologies;
6. authentication monitoring;
7. password management;
8. audit logging;
9. system monitoring;
10. intrusion detection;
11. vulnerability management;
12. software maintenance;
13. security patching;
14. incident response procedures;
15. disaster recovery planning;
16. business continuity planning;
17. secure development practices;
18. vendor risk management;
19. artificial intelligence-assisted security;
20. future cybersecurity technologies.

The Company reserves the right to modify or expand these safeguards as technologies and threats evolve.

11.3 Multi-Factor Authentication (MFA)

Where supported, the Company encourages Users to enable Multi-Factor Authentication ("MFA") to enhance account security.

The Company may require MFA for:

1. administrative accounts;
2. enterprise organizations;
3. payment management;
4. API administration;
5. identity-sensitive functions;
6. elevated privileges;
7. security-sensitive workflows;
8. future Platform services.

Failure to maintain required authentication methods may limit access to certain Platform functions until security requirements have been satisfied.

11.4 Security Monitoring

To maintain Platform integrity and protect Users, the Company may monitor Platform activity using automated and manual processes.

Monitoring may include:

1. authentication events;
2. login activity;
3. device characteristics;
4. browser metadata;
5. IP address information;
6. network events;
7. API usage;
8. communication metadata;
9. audit logs;
10. fraud indicators;
11. malware detection;
12. abuse detection;
13. system performance;
14. future security monitoring technologies.

Monitoring is conducted for legitimate operational, security, legal, fraud prevention, compliance, and service improvement purposes.

11.5 Artificial Intelligence Services

The Platform may include Artificial Intelligence ("AI") functionality to assist Users with Platform operations.

AI Services may include:

1. conversational assistants;
2. customer support;
3. document summaries;
4. optical character recognition (OCR);
5. translation;
6. document classification;
7. workflow recommendations;
8. search;
9. analytics;
10. fraud detection;
11. compliance assistance;
12. accessibility tools;
13. automation;
14. future AI technologies.

The Company may modify AI functionality as technology evolves.

11.6 Responsible AI

The Company is committed to the responsible use of Artificial Intelligence.

Accordingly:

1. AI is intended to assist Users rather than replace human judgment;
2. Users remain responsible for reviewing AI-generated information;
3. AI-generated output should not be relied upon as legal, tax, accounting, immigration, financial, medical, engineering, or other professional advice;
4. Users remain responsible for decisions based upon AI-generated content.

The Company may implement human oversight, quality controls, or additional review procedures where appropriate.

11.7 AI Training and Improvement

The Company may improve Platform services using aggregated, anonymized, de-identified, or otherwise lawfully processed information consistent with applicable law and the Company's Privacy Policy.

The Company will not knowingly use User content for AI model training in a manner inconsistent with applicable law, contractual obligations, or published Company policies.

Future AI processing practices may be described in greater detail within the AI Services Policy.

11.8 Security Incidents

If the Company becomes aware of a confirmed security incident affecting Platform information, it may investigate, contain, mitigate, remediate, and notify affected parties as appropriate and as required by applicable law.

The Company's response may include:

1. incident investigation;
2. account protection measures;
3. password resets;
4. session termination;
5. temporary service restrictions;
6. forensic analysis;
7. cooperation with service providers;
8. cooperation with law enforcement or governmental authorities where legally required or appropriate.

The timing and content of any notification shall be determined in accordance with applicable law and the circumstances of the incident.

11.9 Responsible Disclosure

The Company encourages responsible reporting of potential security vulnerabilities.

Users and security researchers should refrain from exploiting, publicly disclosing, or distributing information regarding suspected vulnerabilities before providing the Company a reasonable opportunity to investigate and respond.

The Company may establish a separate Security Center or Responsible Disclosure Policy describing reporting procedures.

11.10 Compliance Framework

The Company continually evaluates its security and operational practices with reference to recognized industry standards and evolving regulatory expectations.

The Company may develop, enhance, or align portions of its security program with recognized frameworks, controls, or best practices as appropriate for the Platform.

References to such frameworks are intended to describe the Company's security objectives and program development efforts. They do not constitute a representation that the Company has achieved a specific certification, attestation, accreditation, or regulatory approval unless expressly stated in writing.

11.11 Future Independent Assessments

As the Platform grows, the Company may elect to undergo independent security, privacy, operational, or compliance assessments.

Such assessments may include examinations, attestations, certifications, audits, or other reviews performed by qualified independent organizations.

Unless expressly stated by the Company, Users should not assume that any particular certification, attestation, or audit has been completed.

11.12 Communications Security

The Company employs commercially reasonable measures intended to protect communications transmitted through the Platform.

Where implemented, such measures may include:

1. encrypted transmission;
2. authenticated messaging;
3. secure APIs;
4. access controls;
5. integrity protections;
6. anti-spoofing technologies;
7. delivery monitoring;
8. future communication security technologies.

Electronic communications remain subject to risks inherent in public and private communication networks.

11.13 User Security Responsibilities

Users play an essential role in protecting Platform security.

Users agree to:

1. protect authentication credentials;
2. enable available security features where appropriate;
3. maintain secure devices;
4. promptly report suspected unauthorized access;
5. avoid sharing credentials;
6. comply with published security guidance;
7. cooperate with reasonable security procedures.

Failure to follow reasonable security practices may increase the risk of unauthorized access.

11.14 No Absolute Security Guarantee

While the Company is committed to maintaining a strong security program, no technology, software, cloud environment, communication network, authentication method, artificial intelligence system, cybersecurity control, or operational process can guarantee complete protection against every threat.

Accordingly, the Company does not warrant or guarantee that the Platform will be free from:

1. unauthorized access;
2. cyberattacks;
3. malware;
4. service interruptions;
5. data corruption;
6. communication failures;
7. human error;
8. third-party failures;
9. force majeure events;
10. other circumstances beyond the Company's reasonable control.

Nothing in this section limits obligations imposed upon the Company by applicable law.

12.1 Lawful Use

The Platform shall be used only for lawful purposes and in accordance with these Terms, applicable laws, regulations, court orders, governmental requirements, contractual obligations, and accepted standards of responsible digital conduct.

Users are solely responsible for ensuring that their use of the Platform complies with all laws applicable to their activities, industries, professions, and jurisdictions.

The Company does not monitor or approve the legality of every document, transaction, communication, or workflow created by Users.

12.2 User Responsibility

Each User remains solely responsible for:

1. documents uploaded;
2. documents transmitted;
3. documents electronically signed;
4. recipients selected;
5. communications sent;
6. representations made;
7. permissions granted;
8. information submitted;
9. business decisions;
10. compliance with applicable law.

The Company provides technology services and is not a party to agreements executed through the Platform unless expressly identified as such.

12.2A Document Upload Authority and Certification

Before uploading or using a document, the User represents that the User is authorized to possess, upload, process, transmit, and use that document for the intended purpose. The Platform may require an affirmative Document Upload Certification before accepting a document.

By providing that certification, the User acknowledges that the document and intended workflow must comply with applicable law, these Terms, the Acceptable Use Policy, the Security Policy, and any jurisdiction-specific requirements that apply to the User, document, transaction, or recipients.

12.2B Safety Screening and Security Decisions

To protect Users, signers, the Company, and the integrity of the Platform, the Company may perform automated or manual security and content-risk screening of documents and related metadata. Screening may include malware detection, PDF structural analysis, fraud-risk signals, restricted-government markings, prohibited-content indicators, multilingual rules, account-risk signals, and other commercially reasonable safeguards.

The Company may block, quarantine, restrict, delay, or reject a document or workflow when security systems identify a material risk, when applicable law requires restriction, or when review is reasonably necessary. Such action may occur before a signing request is created or at a later stage of a workflow.

12.2C Classified and Government-Restricted Information

The Platform is not represented as an accredited or authorized information system for classified national-security information or other government-controlled information requiring specialized governmental handling. Users must not use the Platform for such information where its handling rules prohibit processing through the Platform.

Automated recognition of classification-like markings is a precautionary security signal and does not constitute an official classification determination.

12.2D Global Operation and Local Law

The Platform may be accessible internationally and may support multiple languages, including English and Spanish. Users are responsible for compliance with the laws and restrictions applicable in each relevant country, state, province, territory, or other jurisdiction. The Company may apply a global minimum safety standard and additional jurisdiction-specific restrictions.

12.2E Security Records, Quarantine and Review

Subject to applicable law and published retention policies, the Company may record document hashes, upload certifications, security signals, quarantine decisions, review outcomes, timestamps, account identifiers, network information, and related audit data for security, fraud prevention, compliance, incident response, and dispute handling.

Quarantined files may be isolated from normal Platform access. Approval of a quarantined document does not constitute legal advice or a representation that the underlying transaction is lawful or enforceable.

12.3 Prohibited Activities

Users shall not use the Platform to engage in unlawful, fraudulent, abusive, deceptive, or unauthorized conduct.

Without limitation, Users agree not to:

1. impersonate another individual or organization;
2. create false identities;
3. submit fraudulent information;
4. forge signatures;
5. falsify records;
6. alter audit information;
7. misrepresent authority;
8. upload malicious software;
9. distribute malware;
10. distribute ransomware;
11. distribute spyware;
12. engage in phishing;
13. harvest credentials;
14. interfere with Platform security;
15. attempt unauthorized access;
16. bypass authentication controls;
17. interfere with other Users;
18. disrupt Platform availability;
19. perform denial-of-service attacks;
20. exploit software vulnerabilities;
21. reverse engineer the Platform except where expressly permitted by applicable law;
22. scrape Platform data using unauthorized automated methods;
23. interfere with APIs;
24. misuse AI services;
25. create spam;
26. distribute unsolicited commercial communications in violation of applicable law;
27. infringe intellectual property rights;
28. upload unlawful content;
29. facilitate criminal conduct;
30. violate export control or sanctions laws;
31. engage in money laundering or knowingly facilitate unlawful financial activity;
32. attempt to circumvent subscription limitations or licensing controls;
33. use the Platform in a manner reasonably likely to compromise its integrity, availability, or security.

The examples above are illustrative and not exhaustive.

12.4 Illegal Documents

The Platform shall not knowingly be used to facilitate documents or transactions that are unlawful under applicable law.

Users shall not knowingly use the Platform for:

1. fraudulent contracts;
2. forged records;
3. identity theft;
4. unlawful impersonation;
5. knowingly false affidavits;
6. unlawful financial schemes;
7. unlawful solicitation;
8. unlawful gambling activities;
9. unlawful trafficking;
10. unlawful exploitation;
11. unlawful sanctions evasion;
12. or other unlawful conduct.

The Company reserves the right to investigate suspected misuse and to take appropriate action consistent with applicable law.

12.5 Electronic Signature Misuse

Users shall not:

1. electronically sign on behalf of another person without lawful authority;
2. request another person to sign fraudulently;
3. intentionally conceal material information;
4. intentionally manipulate electronic workflows to create misleading records;
5. interfere with signature integrity;
6. attempt to falsify Platform-generated evidence.

Responsibility for obtaining legally sufficient authority to execute documents remains with the parties to the transaction.

12.6 Communications Misuse

Users shall not misuse the Platform's communication capabilities, including:

1. email;
2. SMS;
3. MMS;
4. WhatsApp;
5. push notifications;
6. Dispatch Center;
7. APIs;
8. future communication technologies.

Examples of prohibited conduct include:

1. spam;
2. unsolicited bulk messaging contrary to applicable law;
3. phishing;
4. fraudulent communications;
5. harassment;
6. threats;
7. unlawful marketing;
8. impersonation;
9. malicious attachments;
10. distribution of malware.

Users remain responsible for obtaining any legally required consent before sending communications through the Platform.

12.7 Artificial Intelligence Misuse

Users shall not knowingly use AI Services to:

1. generate unlawful content;
2. facilitate fraud;
3. impersonate individuals;
4. mislead recipients regarding AI-generated content where disclosure is legally required;
5. violate intellectual property rights;
6. automate unlawful conduct;
7. interfere with Platform security;
8. create malicious software;
9. facilitate cyberattacks.

Users remain solely responsible for reviewing AI-generated content before use.

12.8 Security Abuse

Users shall not:

1. test Platform security without authorization;
2. perform penetration testing without written permission;
3. attempt privilege escalation;
4. circumvent authentication controls;
5. disable security mechanisms;
6. interfere with monitoring systems;
7. modify Platform code;
8. exploit security vulnerabilities.

Nothing in this section is intended to prohibit activities expressly authorized in writing by the Company.

12.9 Intellectual Property Respect

Users shall respect the intellectual property rights of:

1. the Company;
2. other Users;
3. third parties;
4. governmental entities;
5. licensors;
6. technology providers.

Users shall not knowingly upload, distribute, or use materials that infringe copyrights, trademarks, patents, trade secrets, or other intellectual property rights.

12.10 Export Controls and Sanctions

Users represent that they are not prohibited from using the Platform under applicable export control, trade, sanctions, or similar laws.

Users agree not to use the Platform in violation of applicable export restrictions, embargoes, sanctions programs, or other legal prohibitions.

The Company reserves the right to restrict or terminate access where required by applicable law.

12.11 Investigations

Where the Company reasonably believes that these Terms have been violated, it may:

1. review available Platform records;
2. preserve relevant evidence;
3. request additional information;
4. temporarily suspend accounts;
5. restrict Platform functionality;
6. delay transactions;
7. cooperate with service providers;
8. cooperate with law enforcement;
9. cooperate with governmental authorities;
10. pursue available contractual or legal remedies.

The Company will conduct investigations in a manner consistent with applicable law and its published policies.

12.12 Suspension and Protective Actions

To protect Users, the Platform, or third parties, the Company may temporarily:

1. suspend accounts;
2. suspend communications;
3. suspend APIs;
4. suspend enterprise services;
5. delay document processing;
6. require additional authentication;
7. require identity verification;
8. require updated payment information;
9. restrict administrative privileges.

Protective actions may remain in place until the Company reasonably determines that the underlying concern has been resolved.

12.13 Reporting Misuse

Users are encouraged to report suspected:

1. fraud;
2. abuse;
3. security incidents;
4. phishing;
5. impersonation;
6. intellectual property infringement;
7. unauthorized access;
8. unlawful use;
9. policy violations.

Reports may be submitted through the Company's designated security, compliance, or customer support channels.

12.14 Reservation of Rights

The Company reserves all rights not expressly granted by these Terms.

Failure by the Company to enforce any provision of these Terms shall not constitute a waiver of that provision or any other right.

Nothing in this Article limits any other contractual, statutory, or equitable rights available to the Company.

13.1 Ownership of the Platform

The Platform, including its software, source code (except where expressly licensed otherwise), object code, architecture, user interfaces, workflows, documentation, graphics, designs, layouts, text, databases, APIs, artificial intelligence systems, communication technologies, verification systems, templates, business methods, trade secrets, and all related intellectual property are owned by JHS Solutions LLC, its licensors, or other authorized rights holders and are protected by applicable intellectual property laws.

Nothing in these Terms transfers ownership of the Platform or the Company's intellectual property to any User.

13.2 Company Intellectual Property

Without limitation, the Company's intellectual property may include:

1. eSignare®
2. Trust Center™
3. Certificate of Completion™
4. Dispatch Center
5. Portal Platform
6. customer interfaces;
7. administrative interfaces;
8. signer interfaces;
9. software code;
10. APIs;
11. mobile applications;
12. artificial intelligence systems;
13. workflow technologies;
14. verification technologies;
15. audit technologies;
16. databases;
17. documentation;
18. designs;
19. logos;
20. graphics;
21. trade dress;
22. trademarks;
23. service marks;
24. copyrights;
25. trade secrets;
26. proprietary know-how;
27. future intellectual property developed by or for the Company.

Registered marks remain subject to their applicable registrations. Unregistered marks may be protected under applicable trademark and unfair competition laws.

13.3 Limited License

Subject to these Terms, the Company grants Users a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for its intended business or personal purposes.

This license does not grant any ownership interest in the Platform or its intellectual property.

Unless expressly authorized in writing, Users may not:

1. copy Platform software;
2. distribute Platform software;
3. sublicense Platform software;
4. modify Platform software;
5. create derivative works from Platform software except where permitted by applicable law;
6. sell Platform software;
7. lease Platform software;
8. reverse engineer Platform software except to the extent such restriction is prohibited by applicable law.

13.4 User Content

Users retain ownership of documents, files, communications, templates, and other content that they lawfully upload or create through the Platform.

Users represent and warrant that they possess all rights necessary to upload, process, transmit, electronically sign, or otherwise use such content through the Platform.

Users are solely responsible for ensuring that their content does not infringe the rights of others or violate applicable law.

13.5 License Granted by Users

To operate the Platform, each User grants the Company a limited, worldwide, non-exclusive, royalty-free license to:

1. host;
2. store;
3. reproduce;
4. transmit;
5. display (only as operationally necessary);
6. process;
7. convert file formats;
8. create backups;
9. generate metadata;
10. generate audit information;
11. generate verification information;
12. generate Certificates of Completion™;
13. generate Verification IDs;
14. provide customer support;
15. maintain security;
16. improve Platform functionality in accordance with the Privacy Policy and applicable law.

This license exists only to the extent reasonably necessary to provide the requested services and terminates when the Company is no longer required or permitted to retain the applicable information.

13.6 Feedback

Users may voluntarily provide:

1. suggestions;
2. recommendations;
3. comments;
4. ideas;
5. enhancement requests;
6. feature requests;
7. bug reports;
8. technical observations;
9. usability feedback.

Unless otherwise agreed in writing, Users grant the Company a perpetual, worldwide, irrevocable, royalty-free, transferable license to use such feedback for any lawful business purpose without compensation or attribution.

Nothing in this section transfers ownership of User documents or confidential information.

13.7 APIs and Integrations

The Company may make APIs, SDKs, developer tools, webhooks, integration interfaces, or other interoperability technologies available.

Unless expressly authorized:

1. API credentials shall remain confidential;
2. rate limits shall be respected;
3. security controls shall not be bypassed;
4. APIs shall not be used for unlawful purposes;
5. automated access shall comply with published developer documentation.

The Company may modify, suspend, replace, or discontinue APIs at any time, subject to applicable contractual obligations.

13.8 Open Source Software

The Platform may incorporate components licensed under open-source software licenses.

Such components remain subject to their respective license terms.

Nothing in these Terms limits rights granted by applicable open-source licenses.

Where required, the Company will make applicable license notices available.

13.9 Confidential Information

During use of the Platform, Users may receive confidential information belonging to the Company, other Users, or third parties.

Confidential Information may include:

1. software;
2. business plans;
3. pricing;
4. technical documentation;
5. security procedures;
6. trade secrets;
7. proprietary workflows;
8. unreleased products;
9. beta services;
10. future technology.

Recipients agree not to disclose or misuse Confidential Information except as authorized by law, written agreement, or the rightful owner.

This section does not apply to information that:

1. becomes publicly available without breach of these Terms;
2. was lawfully known before disclosure;
3. is independently developed without use of Confidential Information;
4. must be disclosed pursuant to applicable law or lawful governmental process.

13.10 Trade Secrets

The Company's proprietary technologies, security methods, operational procedures, software architecture, AI systems, workflow methodologies, algorithms, databases, and related information may constitute trade secrets.

Users shall not knowingly misappropriate, disclose, or use such trade secrets except as expressly authorized.

13.11 Branding

Users shall not use the Company's:

1. trademarks;
2. service marks;
3. logos;
4. trade names;
5. trade dress;
6. branding;
7. domain names;
8. product names;

without prior written authorization, except for truthful, nominative references permitted by applicable law.

Nothing in these Terms grants a license to use Company branding for advertising, endorsements, or commercial promotion.

13.12 Copyright Compliance

The Company respects intellectual property rights and expects Users to do the same.

The Company may establish procedures for reporting alleged copyright infringement and responding in accordance with applicable law.

Users submitting infringement notices represent that they possess a good-faith basis for such claims.

The Company reserves the right to remove or disable access to allegedly infringing material where appropriate and consistent with applicable law.

13.13 Reservation of Rights

Except for the limited license expressly granted in these Terms, all rights, title, and interest in and to the Platform and the Company's intellectual property remain exclusively with the Company and its licensors.

No implied licenses are granted.

13.14 Future Technologies

As the Platform evolves, the Company may develop additional software, APIs, artificial intelligence systems, communication technologies, verification systems, enterprise services, mobile applications, developer tools, or future digital products.

Unless otherwise expressly stated in writing, such technologies shall be considered part of the Platform and protected under this Article.

14.1 Technology Service

The Platform provides technology services intended to facilitate electronic workflows, communications, document management, electronic signatures, verification services, and related digital functions.

Unless expressly stated in a separate written agreement, the Company does not provide:

1. legal representation;
2. legal advice;
3. tax advice;
4. accounting advice;
5. financial advice;
6. investment advice;
7. immigration advice;
8. medical advice;
9. engineering advice;
10. architectural advice;
11. insurance advice; or
12. any other licensed professional service through the Platform.

Users are solely responsible for obtaining independent professional advice whenever appropriate.

14.2 No Guarantee of Legal Enforceability

The Company provides technology intended to support electronic transactions.

The Company does not warrant or guarantee that:

1. every document may lawfully be executed electronically;
2. every electronic signature will be legally enforceable in every jurisdiction;
3. every governmental agency will accept electronically executed documents;
4. every court or tribunal will admit Platform-generated evidence;
5. every transaction complies with laws applicable to the User.

Responsibility for determining legal sufficiency remains with the parties to the transaction.

14.3 Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM IS PROVIDED ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS.

THE COMPANY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, WITHOUT LIMITATION:

1. MERCHANTABILITY;
2. FITNESS FOR A PARTICULAR PURPOSE;
3. NON-INFRINGEMENT;
4. QUIET ENJOYMENT;
5. TITLE;
6. ACCURACY;
7. AVAILABILITY;
8. SECURITY;
9. COMPATIBILITY;
10. CONTINUITY OF SERVICE.

Nothing in this section excludes warranties that cannot lawfully be disclaimed under applicable law.

14.4 Availability

The Company does not guarantee uninterrupted or error-free operation of the Platform.

The Platform may experience:

1. maintenance;
2. upgrades;
3. outages;
4. communication delays;
5. Internet disruptions;
6. cloud provider interruptions;
7. payment processor interruptions;
8. third-party failures;
9. cybersecurity incidents;
10. force majeure events.

The Company will use commercially reasonable efforts to restore service following unplanned interruptions.

14.5 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY, ITS AFFILIATES, MEMBERS, MANAGERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, LICENSORS, AGENTS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITIES, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY'S AGGREGATE LIABILITY FOR CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM SHALL NOT EXCEED THE GREATER OF:

1. THE TOTAL AMOUNT PAID BY THE CLAIMANT TO THE COMPANY FOR THE APPLICABLE SERVICE DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR
2. ONE HUNDRED UNITED STATES DOLLARS (US $100.00),

UNLESS A GREATER LIMIT IS REQUIRED BY APPLICABLE LAW.

Nothing in this section limits liability that cannot lawfully be limited.

14.6 User Indemnification

To the fullest extent permitted by applicable law, Users agree to defend, indemnify, and hold harmless the Company, its affiliates, members, managers, officers, directors, employees, contractors, licensors, successors, and agents from and against claims, losses, liabilities, damages, judgments, settlements, costs, and reasonable attorneys' fees arising out of or relating to:

1. violation of these Terms;
2. unlawful use of the Platform;
3. infringement of third-party rights;
4. documents uploaded by the User;
5. communications sent by the User;
6. misuse of AI Services;
7. fraudulent conduct;
8. negligent conduct;
9. violation of applicable law.

This obligation survives termination of these Terms to the extent permitted by law.

14.7 Force Majeure

The Company shall not be liable for delays or failures resulting from events beyond its reasonable control, including:

1. natural disasters;
2. hurricanes;
3. floods;
4. fires;
5. pandemics;
6. epidemics;
7. war;
8. terrorism;
9. civil unrest;
10. labor disputes;
11. governmental actions;
12. utility failures;
13. Internet outages;
14. telecommunications failures;
15. cloud service interruptions;
16. payment processor failures;
17. cybersecurity incidents;
18. acts of God; and
19. other similar events.

The Company will make commercially reasonable efforts to resume affected services when practicable.

14.8 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles, except where superseded by applicable federal law or other mandatory legal requirements.

Nothing in this section deprives consumers of mandatory protections that cannot be waived under applicable law.

14.9 Dispute Resolution

The Company encourages Users to contact customer support before initiating formal legal proceedings so that disputes may be resolved efficiently whenever possible.

Nothing in this section prevents either party from seeking emergency equitable relief where permitted by law.

If the Company later adopts arbitration or other alternative dispute resolution procedures, such procedures shall be described in an updated version of these Terms and implemented only to the extent permitted by applicable law.

14.10 Assignment

Users may not assign or transfer their rights or obligations under these Terms without the Company's prior written consent, except where assignment restrictions are prohibited by applicable law.

The Company may assign these Terms in connection with:

1. corporate restructuring;
2. merger;
3. acquisition;
4. sale of assets;
5. financing transaction;
6. successor entity;
7. affiliate reorganization.

These Terms shall bind and benefit the parties and their permitted successors and assigns.

14.11 Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect to the maximum extent permitted by law.

Any invalid provision shall be interpreted, modified, or limited only to the extent necessary to make it enforceable while preserving its original intent whenever reasonably possible.

14.12 Waiver

No failure or delay by the Company in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy.

Any waiver must be in writing and signed by an authorized representative of the Company.

14.13 Entire Agreement

These Terms, together with the Privacy Policy, Communications Policy, Security Policy, Billing Policy, Cookie Policy, AI Services Policy, Electronic Signature Disclosure, Acceptable Use Policy, Trust Center™ Policy, and any additional agreements expressly incorporated by reference, constitute the entire agreement between the Company and the User regarding the Platform.

These documents supersede prior oral or written understandings relating to the same subject matter.

14.14 Survival

The following provisions survive termination or expiration of these Terms to the extent applicable:

1. payment obligations;
2. intellectual property;
3. confidentiality;
4. audit rights;
5. record retention;
6. limitation of liability;
7. indemnification;
8. dispute resolution;
9. governing law;
10. provisions that by their nature are intended to survive.

14.15 Amendments

The Company may modify these Terms from time to time.

Material changes will be communicated using one or more reasonable electronic methods consistent with these Terms and applicable law.

The effective date of revised Terms will be identified within the updated document.

Continued use of the Platform after the effective date of revised Terms constitutes acceptance of the revised Terms except where additional consent is required by applicable law.

14.16 Contact Information

Questions regarding these Terms may be directed through the Company's designated support channels published on the Platform.

Official legal notices shall be submitted in accordance with procedures designated by the Company.

14.17 Language

The Company may make these Terms available in multiple languages.

Unless otherwise required by applicable law or expressly stated in writing, the English-language version shall govern in the event of a conflict or inconsistency between translated versions.

14.18 Headings

Section titles and headings are provided solely for convenience and shall not affect interpretation of these Terms.

14.19 No Third-Party Beneficiaries

Except as expressly stated, these Terms are intended solely for the benefit of the Company and the User.

They do not create rights in favor of any third party.

14.20 Effective Date

These Terms become effective on the Effective Date identified on the cover page and remain in effect until amended or replaced by the Company.

BY ACCESSING OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THESE MASTER TERMS OF SERVICE.