Terms of Service

1. INTRODUCTION

Welcome to BusyWork.com ("Site", "Service", "Platform", "we", "us", "our"), operated by Golden Ratio, LLC, a Utah limited liability company doing business as "BusyWork.com" (the "Company"). By accessing or using our website, mobile applications, and services, you ("User", "you", "your", "Client") agree to be bound by these Terms of Service ("Terms").

2. NATURE OF SERVICE

BusyWork.com is a task delegation service that helps clients reclaim their time by handling a wide variety of administrative, technical, and operational tasks. Unlike traditional service marketplaces, BusyWork.com operates with a streamlined email-based workflow—no apps, logins, or signups required.

BusyWork.com may either complete these tasks directly or coordinate with appropriate third-party service providers based on the nature of the request.

BUSYWORK.COM FUNCTIONS AS AN END-TO-END TASK PROCESSING SERVICE THAT HANDLES THE ENTIRE WORKFLOW FROM INTAKE TO COMPLETION.

We operate on a pay-per-task model with no contracts required. While we carefully manage all task fulfillment, clients retain responsibility for verifying any specific qualifications or credentials that may be required for specialized or regulated services.

2.1 Service Philosophy and Task Definition

"BusyWork" refers to tasks that are clearly defined with specific outcomes, do not require specialized professional licensing, can be completed within reasonable timeframes, and do not require 24/7 availability or real-time responses.

Examples of tasks within our scope include but are not limited to: scheduling appointments, researching vendors, managing email correspondence, booking travel, organizing files, disputing bills, coordinating service providers, data entry, basic web updates, social media posting, and similar administrative or operational work.

The following are NOT considered "busywork" and may be declined or referred to specialized providers:

• Complex software development projects exceeding 20 hours
• Licensed professional services such as legal advice, medical diagnosis, financial planning, real estate brokerage, or accounting
• Emergency or time-critical tasks requiring immediate response outside business hours
• Ongoing management relationships requiring daily availability or real-time decision-making
• Tasks with guaranteed outcomes beyond our control, such as "get me hired at Google" or "secure a meeting with a specific individual"
• Tasks requiring security clearances or handling of classified information
• Tasks that violate third-party terms of service or applicable laws
• Tasks involving regulated data (e.g., HIPAA-protected health information, FERPA educational records, GLBA financial data) we are not equipped to handle

2.2 Task Scope and Boundaries

The Company reserves the right to: request clarification if task scope is ambiguous; break large tasks into multiple billable subtasks; decline tasks requiring specialized licenses or impossible outcomes; charge for scope creep beyond the original task definition; and pause work if the task requires client input or decisions not initially disclosed.

A "standard task" is defined as work requiring up to 2 hours of combined AI processing and human oversight, with up to 5 rounds of email clarification. Tasks exceeding these thresholds will be billed as additional usage or may require conversion to a larger project with separate pricing.

3. SERVICE STRUCTURE

3.1 Direct Services

Services that are performed by the Company's employees or contractors.

3.2 Managed Services

Services where the Company engages third-party service providers to perform the requested tasks while the Company maintains project management responsibilities. You acknowledge that third-party providers are independent contractors, and the Company is not liable for their performance.

3.3 Client-Directed Services

Services where the Company engages specific third-party vendors as instructed by the Client while maintaining project management responsibilities. You acknowledge that third-party providers are independent contractors, and the Company is not liable for their performance.

3.4 Referral Services

Services where the Company merely provides a referral to a third-party service provider with whom the Client contracts directly. In such cases, the Company's role is limited to providing the referral, and the Company is not a party to the agreement between Client and the third-party service provider.

3.5 AI-Augmented Services

Many services utilize artificial intelligence technologies, including large language models and automated systems, to enhance efficiency and quality. AI-augmented services operate under human supervision but may involve autonomous processing within defined parameters. See Section 14 for detailed AI disclosures.

4. USER ELIGIBILITY

5. SERVICE REQUESTS AND BOOKING

5.1 Service Requests

All requests for Services must be submitted through the Site or through official Company communication channels. Verbal requests or modifications are not binding upon the Company. Upon submission, the Company will send a confirmation email summarizing your instructions, the scope of work, and any assumptions. You must approve or correct this summary within 24 hours, or the scope is deemed accepted.

5.2 Quote Acceptance

By accepting a quote or estimate for Services, you agree to pay the specified amount upon completion of the Services or according to the payment terms specified in your quote, and you authorize the Company to charge your payment method for the estimated cost plus any additional fees per Section 6.9. All quotes are valid for 30 days unless otherwise specified.

5.3 Scheduling

The Company will make reasonable efforts to schedule Services at mutually agreeable times but cannot guarantee specific time slots or service providers. You acknowledge that scheduling is subject to provider availability, weather conditions, material availability, and other factors beyond the Company's control, and you may not rely on estimated completion times for critical decisions unless explicitly guaranteed in writing.

5.4 Cancellation

Cancellation policies vary by service type and will be communicated at the time of booking. Cancellation fees may apply for late cancellations or no-shows. Generally, cancellations made:

• More than 48 hours before scheduled service: No fee
• 24-48 hours before scheduled service: 50% of service fee
• Less than 24 hours before scheduled service: 100% of service fee

5.5 Service Denial

The Company reserves the right to refuse service to anyone for any reason at any time, including tasks deemed impractical, unethical, or outside our expertise, with no liability for refusal. The Company may cancel a service booking at any time if it determines, in its sole discretion, that the service requested: involves illegal activities; poses safety risks; requires specialized licensing or permits that neither the Company nor its service providers possess; is beyond the scope of services the Company provides; cannot be performed to satisfactory standards; would violate any applicable laws, regulations, or codes; involves regulated data we are not equipped to handle; or would require the Company to violate its own policies or ethical guidelines.

5.6 Secure Credential Handling and Authorization

To perform certain tasks on your behalf (e.g., resolving billing disputes or coordinating with vendors), the Company may require access to your third-party account credentials or explicit authorization. The Company will request such credentials or authorization via a secure email form with an expiring token link, valid for 24 hours.

You represent and warrant that: (a) you have the legal right and authority to provide such credentials or authorization; (b) the credentials are accurate and valid; and (c) you authorize the Company to use them solely for the specific task requested.

Credentials are stored in an encrypted database (via Supabase) with strict access controls, used only for the authorized task, and all access is logged and monitored.

The Company reserves the right to suspend or terminate a task if credentials or authorization are invalid, revoked, or insufficient, with no liability for resulting delays or damages.

You further acknowledge that: The Company will STOP work immediately if credentials fail or produce errors; You are billed for time spent attempting to use invalid, expired, or incorrect credentials; If credentials are revoked mid-task without notice, you remain liable for work completed to that point; The Company is not liable for account lockouts, security flags, or access restrictions resulting from credential use, even if used correctly; You must provide updated or corrected credentials within 24 hours of notification, or the task will be cancelled with charges applied for work completed; Third-party platforms may change authentication methods, security requirements, or access policies at any time, which may prevent task completion.

5.7 Third-Party Password Vault Integration

Supported Password Management Integration: To enhance security and provide more efficient task completion, you may elect to use a supported third-party password management platform (including but not limited to 1Password, Keeper Security, LastPass, Bitwarden, or similar enterprise vaults, collectively referred to as "The Password Platform") and authorize BusyWork.com to access specific vaults or credentials necessary for performing services on your behalf.

Account Ownership and Control: If you choose to utilize Password Platform integration: You retain full ownership and administrative control of your Password Platform account at all times; You are responsible for configuring permissions (e.g., creating dedicated vaults) to limit our access to only necessary credentials; Most Password Platforms provide audit logs of access; reviewing these logs is your responsibility; You maintain the ability to revoke BusyWork.com's access permissions instantly at any time through your Password Platform's administrative controls.

Indemnification for Vault Integration: By electing to use any third-party password vault integration, you agree to indemnify, defend, and hold harmless BusyWork.com, its affiliates, officers, directors, employees, and agents from any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from or related to: (i) your use of The Password Platform services; (ii) any breach of The Password Platform's security; (iii) your revocation of access during task performance; or (iv) any actions taken using credentials accessed through The Password Platform.

5.8 Email-Based Workflow Security and Authentication

BusyWork.com operates primarily through email communication. By using our email-based service, you acknowledge and accept the following risks and responsibilities:

Email Security Risks: You acknowledge that email communication is not fully secure. The Company relies on the "From:" email address and standard email authentication protocols (SPF/DKIM) to verify the identity of task requesters.

Your Responsibilities: You are solely responsible for: Securing your email account with strong passwords and two-factor authentication; Monitoring your email account for unauthorized access or suspicious activity; Immediately notifying the Company at busyworkhq [at] gmail.com if your email account is compromised, hacked, or accessed without authorization; Reviewing all task confirmations and status updates sent by the Company; Promptly reporting any tasks you did not authorize.

Additional Verification: For high-risk tasks involving financial transactions, sensitive data, or irreversible actions, the Company may request additional verification through phone call, video conference, or secondary authentication before proceeding. Refusal to provide additional verification may result in task cancellation.

Email Compromise Notification: If you discover that your email account has been compromised at any time during which you have used BusyWork.com services, you must notify the Company within 24 hours of discovery. Failure to promptly notify the Company may result in continued execution of unauthorized tasks for which you remain financially responsible.

6. PAYMENT TERMS

6.1 Pricing Models

The Company offers two pricing structures:

(a) Pay-Per-Task: Individual tasks billed upon completion at quoted rates. Pricing varies based on task complexity, estimated time, and resource requirements.

(b) Professional Plan: $99/month subscription including:

• 5 standard tasks per month (each task limited to ≤2 hours of combined AI processing and human oversight, with ≤5 rounds of email clarification)
• Usage-based billing for tasks beyond the monthly allocation
• Detailed monthly invoice showing breakdown of AI processing time, automation costs, and human oversight time with timestamps
• Priority task queue and faster response times

Standard tasks are defined as tasks requiring no more than 2 hours of combined AI processing and human oversight, with no more than 5 rounds of email clarification. Tasks exceeding these thresholds—due to complexity, scope changes, unclear instructions, or client delays—will be billed as additional usage at the prevailing hourly rate or converted to a separate project with custom pricing.

All pricing is in US dollars. Prices for Services are subject to change without notice prior to acceptance of a quote. Pricing is based on standard services under normal conditions. Additional charges may apply for services requiring specialized equipment, materials, or labor, or for work performed outside of normal business hours.

6.2 Free Trial Terms

The Company may offer promotional "first 5 tasks free" or similar trial offers from time to time. These promotions are subject to the following terms:

• The promotion applies once per email domain (not per individual user). For example, if user [at] company.com uses the free trial, other users at company.com are not eligible.
• Free tasks are limited to "standard" tasks as defined in Section 6.1: tasks requiring ≤2 hours of estimated effort with ≤5 email exchanges.
• The promotion excludes tasks requiring third-party payments, specialized services, software licenses, or tasks requiring more than 2 hours of effort.
• If a task submitted as "free" exceeds the standard task definition during execution, the Company may convert the task to paid service and notify you of additional charges. You may choose to approve the charges and continue, or cancel the task with charges applied for work completed.
• The Company reserves the right to refuse or limit free tasks if abuse is suspected, including but not limited to: creating multiple accounts, submitting artificially complex tasks, or patterns indicating commercial resale of services.
• Free tasks receive standard turnaround times (not priority queue) and may take longer to complete than paid tasks.
• The Company may terminate or modify free trial offers at any time without notice.
• Free trial tasks are subject to all other terms and conditions in this agreement, including liability limitations and dispute resolution.

6.3 Payment Methods

The Company accepts payment via credit card, debit card, electronic funds transfer, or other methods specified on the Site. By providing a payment method, you represent and warrant that you are authorized to use the designated payment method and authorize the Company to charge your payment method for the total amount of your order.

6.4 Deposits

Certain Services may require a deposit before work commences. Deposit amounts and refund policies will be specified in the quote. Unless otherwise stated, deposits are non-refundable if you cancel the service after materials have been ordered or preparation work has begun.

6.5 Invoicing

For ongoing or larger projects, the Company may issue monthly invoices based on actual usage, reflecting a detailed breakdown of AI, automation, and human time costs with timestamps. Unless otherwise specified, payment terms are net 15 days from the date of invoice.

6.6 Late Payments

Payments not received by the due date are subject to a late fee of 1.5% per month (18% per annum) or the maximum rate permitted by law, whichever is less. Additionally, for payments more than 30 days late, the Company reserves the right to: Suspend ongoing services; Withhold deliverables; Report delinquent accounts to credit bureaus; Pursue collections actions; Recover reasonable attorney's fees and collection costs.

6.7 Taxes

All applicable taxes will be added to the final invoice and are the responsibility of the Client. This includes but is not limited to sales tax, use tax, value-added tax, and any other applicable local, state, or federal taxes.

6.8 Chargebacks and Payment Disputes

Fraudulent chargebacks or payment disputes filed in bad faith may result in termination of your account and legal action. You agree to notify the Company within 7 days of receiving an invoice of any dispute and allow us 30 days to investigate before initiating a chargeback or payment dispute with your financial institution.

6.9 Fee Adjustments and Change Orders

If, during the performance of Services, the Company encounters unforeseen conditions or circumstances that necessitate additional work beyond the scope of the original quote—including but not limited to: unclear or changing requirements, discovery of technical complications, third-party system limitations, invalid credentials requiring troubleshooting, or client-requested scope changes—the Company will notify you as soon as practicable with a formal "Change Order" email detailing updated costs and time estimates.

You must approve the additional charges in writing (email acceptance is sufficient) within 48 hours of receiving the Change Order. If you do not approve additional charges within 48 hours, the Company may, at its sole discretion: (a) Complete work to the extent covered by the original payment and deliver partial results in their current state, or (b) Cease work immediately and charge for all work completed through that point, including non-refundable third-party costs already incurred (such as software licenses, API fees, or vendor deposits).

The Company is not obligated to perform any work outside the original scope without a written change order signed or electronically accepted by both parties. You remain responsible for payment for all services already performed, even if the task is not completed due to lack of approval for additional charges.

6.10 Refund Policy

All payments are non-refundable except as expressly provided in these Terms or as required by applicable law. Refunds may be issued at the Company's sole discretion for services not performed or performed inadequately. Refund requests must be submitted within 7 days of service completion.

6.11 Payment Authorization

By providing a payment method, you authorize the Company to initiate debit or credit entries to your account for all fees due under these Terms. You agree to maintain sufficient funds to cover these charges. The Company is not responsible for overdraft fees, insufficient fund charges, or similar penalties resulting from your failure to maintain adequate funds. You may revoke this authorization by emailing busyworkhq [at] gmail.com at least three business days before a scheduled charge, though revocation during pending tasks may delay completion or incur additional costs for which you remain liable.

7. SERVICE PERFORMANCE

7.1 Scope of Work

The Company will perform or arrange for the performance of Services as outlined in the accepted quote or work order, as confirmed per Section 5.1. Any services not specifically included in the scope of work are excluded and may require additional payment if requested.

7.2 Access Requirements

You agree to provide necessary access to your property, facilities, digital systems, and accounts as required for the performance of the Services, including keys, security codes, parking accommodations, utilities, login credentials, and API access. For physical services, you may be required to sign a pre-service waiver acknowledging that the Company is not liable for pre-existing conditions or damages not directly caused by our negligence. Failure to provide access at the scheduled time may result in cancellation fees and rescheduling delays.

7.3 Material and Equipment

Unless otherwise specified, the Company or its service providers will supply all necessary materials and equipment to complete the Services. All materials provided by the Company remain the property of the Company until fully paid for. You agree that the Company may store materials and equipment on your property during the performance of multi-day Services.

7.4 Third-Party Providers

For Managed Services and Client-Directed Services, the Company will exercise reasonable care in selecting and managing third-party service providers, who are required to maintain adequate insurance, but makes no guarantees regarding their performance.

UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE FOR THE ACTS, OMISSIONS, OR NEGLIGENCE OF THIRD-PARTY SERVICE PROVIDERS.

You should request proof of insurance directly from the provider if desired.

7.5 Service Completion

The Company will make reasonable efforts to complete Services within estimated timeframes, but completion dates are estimates only and not guaranteed. The Company is not responsible for delays caused by factors beyond its control, including but not limited to weather, labor disputes, material shortages, supply chain disruptions, third-party service interruptions, acts of God, Client-caused delays, AI platform outages, or telecommunications failures.

7.6 Service Validation

Upon completion of Services, the Company will send a completion email with a detailed time log and request that you confirm satisfaction or report issues within 48 hours. If you are not available for inspection, the Company may document completion through photographs, screenshots, or other means. Failure to respond within 48 hours deems the Services accepted "as-is." For physical services, claims of property damage must be reported within 24 hours, or they are presumed unrelated to the service.

7.7 Hazardous Materials

The Company and its service providers are not responsible for identifying, handling, or removing hazardous materials, including but not limited to asbestos, lead paint, mold, or biological contaminants. If such materials are discovered during the performance of Services, the Company may immediately stop work and require remediation before resuming Services.

7.8 Third-Party Interactions and Client Authorization

When performing tasks involving third parties such as vendors, service providers, billing departments, customer support teams, or other entities, the Company acts solely as your authorized agent to coordinate, communicate, or execute the task as instructed.

By submitting a task, you expressly authorize the Company to:

• Contact third parties on your behalf via email, phone, chat, or other communication channels
• Use your name, company information, and account details in such communications
• Follow up persistently as needed to complete the task, including multiple daily attempts if necessary
• Represent ourselves as acting on your behalf or as your authorized representative
• Cease contact if requested by the third party, which may prevent task completion

Important Acknowledgments:

You acknowledge and agree that: The Company does not guarantee outcomes, such as refunds, credits, discounts, or other benefits, from third parties. For example, if you ask us to dispute a Comcast bill and Comcast refuses the refund, we are not liable for Comcast's decision or policies. Third-party policies, response times, and willingness to cooperate are beyond the Company's control and may change without notice. The Company is not liable for third-party actions, failures to respond, refusals to provide requested services, or any other third-party conduct. If we negotiate with a vendor on your behalf and they later breach their commitment or fail to deliver, we are not liable for their breach or performance. Aggressive or persistent follow-up tactics may occasionally strain or damage your relationships with vendors, service providers, or other third parties. You assume this risk by authorizing such follow-up. Third parties may refuse to work with you in the future as a result of our follow-up tactics or communication style, for which the Company bears no liability. Some third parties may require you to contact them directly due to account security policies, which may prevent us from completing certain tasks.

The Company will use commercially reasonable efforts to achieve requested outcomes but makes no representations or warranties regarding third-party cooperation, responses, or results. All third-party interactions are performed on a best-efforts basis only.

8. CLIENT CORRESPONDENCE SERVICES

The Company offers correspondence services on behalf of clients through branded communication channels, including email domains (such as ClientCorrespondence.com, Followup.bot, or similar branded domains, collectively "Correspondence Domains") and telephone communications via third-party telecommunications providers such as Twilio (collectively, "Correspondence Services"). This section governs your use of and consent to these Correspondence Services.

8.1 Authorization for Correspondence on Your Behalf

By using the Service and agreeing to Correspondence Services, you expressly authorize the Company to:

• Send emails on your behalf from Correspondence Domains (e.g., [at]clientcorrespondence.com, [at]followup.bot)
• Make and receive telephone calls on your behalf using phone numbers provisioned through third-party telecommunications providers including Twilio
• Send and receive SMS/text messages on your behalf
• Identify the Company as acting on your behalf or as your authorized representative in all such communications
• Use your name, business name, and relevant account information in correspondence with third parties
• Follow up with third parties as necessary to complete tasks, including persistent contact attempts

You acknowledge that recipients of correspondence from Correspondence Domains will see communications branded under these domains rather than your personal or business email address, and that recipients of telephone communications may see phone numbers not associated with your personal or business phone lines.

8.2 Nature and Scope of Correspondence Services

Correspondence Services are intended for routine administrative, scheduling, follow-up, and coordination communications only. You expressly acknowledge and agree that:

• The Company WILL NOT perform any actions through Correspondence Services that require professional licensing, certification, or specialized credentials (including but not limited to legal advice, medical consultations, financial planning, real estate transactions, or accounting services)
• The Company WILL NOT execute legally binding contracts, agreements, or commitments on your behalf without your explicit prior written authorization for each specific commitment
• The Company WILL NOT make financial commitments, authorize payments, or obligate you to expenditures without your explicit prior written authorization
• Correspondence Services are for communication and coordination purposes—not for rendering professional advice or opinions

8.3 AI and Automated Systems in Correspondence Services

YOU ACKNOWLEDGE AND AGREE THAT THE COMPANY MAY UTILIZE ARTIFICIAL INTELLIGENCE, AUTOMATED SYSTEMS, AND AI AGENTS (COLLECTIVELY, "AI SYSTEMS") IN THE PERFORMANCE OF CORRESPONDENCE SERVICES, INCLUDING BUT NOT LIMITED TO:

• Drafting, sending, and responding to email correspondence
• Conducting telephone conversations via AI voice agents
• Sending and responding to SMS/text messages
• Scheduling, rescheduling, and confirming appointments
• Following up on pending matters and outstanding requests
• Processing and triaging incoming communications

AI Systems operate under human supervision but may act autonomously within defined parameters. You expressly acknowledge and agree that:

• AI Systems may generate responses, compose messages, and conduct communications without human review of each individual communication
• AI Systems may occasionally produce inaccurate, incomplete, or contextually inappropriate responses (commonly referred to as "hallucinations" or errors)
• Human oversight is provided on a commercially reasonable basis but DOES NOT guarantee detection or prevention of all AI errors

THE COMPANY IS NOT LIABLE FOR ERRORS, OMISSIONS, INACCURACIES, OR MISCOMMUNICATIONS GENERATED BY AI SYSTEMS, even when operating under human supervision

• You are responsible for reviewing outcomes of Correspondence Services and promptly reporting any errors or concerns
• AI Systems are continuously evolving; performance characteristics may change over time

8.4 Third-Party Telecommunications Providers

Telephone and SMS services are provisioned through third-party telecommunications providers, including but not limited to Twilio, Inc. ("Telecom Providers").

You acknowledge and agree that: Telecom Providers are independent third-party services over which the Company has no control; The Company is NOT LIABLE for service interruptions, outages, failures, or quality issues with Telecom Provider services; Call quality, SMS delivery, and availability are subject to Telecom Provider infrastructure and policies; Telecom Providers may record, log, or retain communications in accordance with their policies; The Company is not liable for any actions taken by Telecom Providers regarding your communications; Phone numbers provided are provisioned and owned by Telecom Providers and may be reclaimed, changed, or discontinued.

8.5 Correspondence Domain Security

The Company maintains standard email authentication protocols (SPF, DKIM, DMARC) for Correspondence Domains. However, you acknowledge that:

• Email impersonation, phishing, and domain spoofing are risks inherent to email communication that the Company cannot fully prevent
• Third parties may attempt to impersonate Correspondence Domains through techniques such as similar-looking domains, typosquatting, or email spoofing
• The Company is NOT LIABLE for actions taken by third parties impersonating Correspondence Domains
• Recipients of correspondence should verify authenticity by checking exact domain spelling and contacting the originating business directly if uncertain
• The Company will NEVER request sensitive information such as passwords, Social Security numbers, banking details, or payment card information through Correspondence Services

8.6 Limitations on Correspondence Services

THE COMPANY AND ITS AI SYSTEMS WILL NOT, THROUGH CORRESPONDENCE SERVICES:

• Provide legal advice or represent you in legal matters
• Provide medical advice or health consultations
• Provide financial, investment, or tax advice
• Execute real estate transactions or provide brokerage services
• Perform any activity requiring professional licensing or certification
• Make binding commitments exceeding pre-authorized parameters
• Transmit your sensitive personal information (SSN, banking details, medical records) to third parties unless specifically authorized and encrypted

If any communication through Correspondence Services is mistakenly interpreted as professional advice or a binding commitment, the Company disclaims all liability, and you agree that such communications were informational and coordinative only.

8.7 Disclaimer of Liability for Correspondence Services

• Errors, omissions, inaccuracies, or miscommunications in correspondence generated by AI Systems or human agents
• Actions taken by third parties based on correspondence sent through Correspondence Services
• Failed, delayed, or undelivered communications due to Telecom Provider issues, email filtering, spam classification, or recipient infrastructure
• Damage to business relationships resulting from correspondence tone, frequency, or content
• Misinterpretation of communications by recipients
• Unauthorized access to or interception of correspondence by third parties
• Third-party actions based on AI-generated communications, including but not limited to contract disputes, relationship damages, or financial losses
• Any consequences arising from AI "hallucinations," factual errors, or contextually inappropriate responses

8.8 Indemnification for Correspondence Services

In addition to the general indemnification obligations in Section 15, you specifically agree to indemnify, defend, and hold harmless the Company from any and all claims, damages, losses, and expenses arising from:

• Communications sent on your behalf through Correspondence Services
• Third-party responses to or actions based on such communications
• Claims that AI-generated communications constituted professional advice
• Claims arising from errors in AI-generated content
• Your failure to review and correct correspondence outcomes
• Violation of third-party rights through authorized correspondence

8.9 Opting Out of Correspondence Services

You may opt out of Correspondence Services at any time by notifying the Company in writing at busyworkhq [at] gmail.com. Upon receipt of your opt-out request, the Company will cease using Correspondence Domains and Telecom Provider services on your behalf within 5 business days. Opting out may limit the scope of services the Company can perform on your behalf.

9. SERVICE MODIFICATIONS

9.1 Change Requests: Requests to modify Services after a quote has been accepted must be submitted in writing and may result in additional charges and timeline adjustments. The Company will issue a formal "Change Order" email with updated costs and time estimates, which you must approve within 48 hours. The Company is not obligated to perform any work outside the original scope without a written change order signed by both parties.

9.2 Right to Refuse: The Company reserves the right to refuse any service request that it deems, in its sole discretion, to be unsafe, illegal, unethical, or beyond the scope of its capabilities. Furthermore, the Company may terminate a service in progress if previously unknown conditions render the service unsafe or impractical.

9.3 Substitution of Materials: The Company reserves the right to substitute materials of equal or greater quality if originally specified materials are unavailable, subject to your approval if such substitution significantly impacts the appearance, functionality, or cost of the Services.

10. WARRANTIES AND REPRESENTATIONS

10.1 Limited Warranty: The Company warrants that the Services will be performed in a professional and workmanlike manner consistent with general industry standards.

THIS LIMITED WARRANTY IS EXPRESSLY IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

10.2 Warranty Period: Any warranty on workmanship shall be valid for 30 days from the date of service completion unless otherwise specified in writing. Some services may be offered with different warranty periods, which will be clearly documented in the service agreement.

10.3 Manufacturer Warranties: For products or materials installed as part of the Services, only the manufacturer's warranty, if any, shall apply. The Company makes no warranties or representations regarding third-party products or materials and will assign any applicable manufacturer warranties to you to the extent permitted.

10.4 Exclusions: The warranty does not cover damage caused by: Normal wear and tear; Improper use or maintenance; Alterations or repairs made by anyone other than the Company or its authorized service providers; Acts of nature or circumstances beyond the Company's control; Pre-existing conditions; Abuse, misuse, or neglect; Failure to follow care instructions; Damage caused by pets or pests; Consequential or incidental damages; Third-party platform changes, updates, or discontinuations; Your failure to maintain adequate backups.

10.5 Remedy: The Company's sole obligation under this warranty shall be to repair or replace the defective Services at its discretion. The Company shall not be liable for any consequential or incidental damages, including but not limited to loss of use, loss of revenue or profit, property damage, personal injury, or any other damages resulting from defective Services.

10.6 Warranty Claims: To make a warranty claim, you must notify the Company in writing within the warranty period, providing a detailed description of the issue and allowing the Company reasonable opportunity to inspect and remedy the defect. The Company will not be responsible for warranty claims reported after the warranty period has expired.

11. DISCLAIMER OF WARRANTIES

12. LIMITATION OF LIABILITY

13. USE OF AI AND INFORMATION ACCURACY

13.1 AI-Assisted Services

YOU ACKNOWLEDGE AND AGREE THAT THE COMPANY MAY UTILIZE ARTIFICIAL INTELLIGENCE TECHNOLOGIES, INCLUDING LARGE LANGUAGE MODELS SUCH AS CLAUDE, CHATGPT, AND SIMILAR TOOLS, AS WELL AS AI VOICE AGENTS AND AUTOMATED COMMUNICATION SYSTEMS (COLLECTIVELY, "AI TOOLS") IN THE PROVISION OF SERVICES, INCLUDING BUT NOT LIMITED TO CORRESPONDENCE SERVICES.

13.2 Limitations of AI and Human Oversight

YOU UNDERSTAND AND AGREE THAT:

• AI-generated information may contain inaccuracies, inconsistencies, or errors.
• The Company utilizes a "Human-in-the-Loop" methodology to review AI outputs; however, YOU ACKNOWLEDGE THAT HUMAN OVERSIGHT IS PERFORMED ON A COMMERCIALLY REASONABLE BASIS AND DOES NOT GUARANTEE THE DETECTION OR ELIMINATION OF ALL AI ERRORS, OMISSIONS, OR "HALLUCINATIONS."
• AI Tools may occasionally produce content that appears plausible but is factually incorrect.
• The Company is not liable for errors or outages in third-party AI platforms beyond our control.
• Clients are responsible for reviewing and validating all deliverables for their specific needs prior to use, particularly for critical business decisions.

13.3 AI Data Usage and Privacy

You acknowledge and agree that task data, communications, and related information may be processed by third-party AI providers. The Company uses commercially reasonable efforts to anonymize or redact sensitive information before processing through AI tools, but cannot guarantee that third-party AI providers will not use processed data in accordance with their own policies.

13.4 No Licensed Professional Advice

THE COMPANY AND ITS SERVICES, INCLUDING AI-POWERED CORRESPONDENCE SERVICES, DO NOT PROVIDE LICENSED PROFESSIONAL ADVICE OF ANY KIND OR SERVICES REQUIRING SPECIALIZED LICENSES (E.G., LEGAL, MEDICAL, FINANCIAL ADVICE) UNLESS EXPLICITLY STATED.

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

• The Company and its employees, contractors, and AI Tools are not licensed attorneys, doctors, real estate agents or brokers, financial advisors, accountants, or other professional service providers requiring licensing or certification
• The Company is not HIPAA compliant and is not suitable for protected health information
• Information provided through our Services is for general informational purposes only and should not be construed as professional advice
• You should consult with appropriate licensed professionals before making any legal, medical, real estate, financial, tax, or other decisions requiring specialized expertise
• The Company expressly disclaims any responsibility for actions taken based on information provided through our Services
• Communications between you and the Company are not protected under the attorney-client privilege doctrine, as we are not a law firm
• Clients are responsible for ensuring their tasks comply with all applicable laws and regulations

13.5 User Information and Authorization

BY USING OUR SERVICES AND PROVIDING INFORMATION TO THE COMPANY, INCLUDING THIRD-PARTY CREDENTIALS OR TASK AUTHORIZATIONS, YOU REPRESENT AND WARRANT THAT:

• You have all necessary rights, permissions, and authorizations to share any information, including third-party account credentials or task-specific authorizations, you provide to us
• You have obtained proper consent from all relevant parties for sharing any third-party information or granting authority to act on your behalf
• You accept full responsibility for any information or authorizations you share with us, whether intentionally or unintentionally
• You understand that while we use an encrypted database with strict access controls, we cannot guarantee absolute security against breaches, unauthorized access, or third-party failures beyond our control
• You will not submit protected health information, classified information, third-party credentials without proper authority, or other highly sensitive data without prior written agreement

13.6 Security and Confidentiality

WHILE THE COMPANY TAKES REASONABLE MEASURES TO MAINTAIN THE SECURITY AND CONFIDENTIALITY OF YOUR INFORMATION, YOU ACKNOWLEDGE THAT:

• No data transmission or storage system is completely secure
• We cannot guarantee the absolute security of information transmitted to or processed by our systems or AI Tools
• Information processed by third-party AI Tools may be subject to those third parties' privacy policies and security measures
• You are responsible for ensuring sensitive information is encrypted or otherwise protected before transmission

14. DMCA/COPYRIGHT SAFE HARBOR AND INTELLECTUAL PROPERTY CLAIMS

14.1 Digital Millennium Copyright Act Notice

The Company respects the intellectual property rights of others and expects users of the Service to do the same. In accordance with the Digital Millennium Copyright Act of 1998 ("DMCA"), the Company will respond expeditiously to claims of copyright infringement committed using the Service that are reported to the Company's Designated Copyright Agent, identified below.

If you are a copyright owner, or authorized to act on behalf of one, and you believe that your copyrighted work has been copied, uploaded, or otherwise made available through the Service in a way that constitutes copyright infringement, please submit a notification pursuant to the DMCA by providing the Company's Designated Copyright Agent with the following information in writing:

• (a) A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• (b) Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works;
• (c) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the Company to locate the material;
• (d) Information reasonably sufficient to permit the Company to contact you, such as an address, telephone number, and, if available, an electronic mail address at which you may be contacted;
• (e) A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• (f) A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

14.2 Designated Copyright Agent

The Company's Designated Copyright Agent for notice of claims of copyright infringement can be reached as follows:

Please note that the DMCA requires that you make material misrepresentations in a copyright infringement notification, and you may be liable for damages (including costs and attorneys' fees) if you knowingly misrepresent that material or activity is infringing.

14.3 Counter-Notification Procedure

If you believe that material you posted on the Service was removed or access to it was disabled by mistake or misidentification, you may file a counter-notification with the Company (a "Counter-Notice") by submitting written notification to the Company's Designated Copyright Agent. Pursuant to the DMCA, the Counter-Notice must include substantially the following:

• (a) Your physical or electronic signature;
• (b) Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access was disabled;
• (c) A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled; and
• (d) Your name, address, and telephone number, and a statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located (or if you are outside of the United States, for any judicial district in which the Company may be found), and that you will accept service of process from the person who provided the original DMCA notification or an agent of such person.

The DMCA allows the Company to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten (10) business days of receiving the copy of your Counter-Notice.

Please be aware that if you knowingly materially misrepresent that material or activity on the Service was removed or disabled by mistake or misidentification, you may be held liable for damages (including costs and attorneys' fees) under Section 512(f) of the DMCA.

14.4 Repeat Infringer Policy

In accordance with the DMCA and other applicable law, the Company has adopted a policy of terminating, in appropriate circumstances and at the Company's sole discretion, users who are deemed to be repeat infringers. The Company may also, at its sole discretion, limit access to the Service and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

A "repeat infringer" is a user who has been notified of infringing activity or has had user-submitted content removed from the Service more than twice. The Company reserves the right to decide, in its sole discretion, whether conduct is appropriate and whether a user qualifies as a repeat infringer.

14.5 User Representations Regarding Uploaded Content

BY UPLOADING, SUBMITTING, OR OTHERWISE TRANSMITTING ANY FILES, DOCUMENTS, MEDIA, OR OTHER CONTENT TO THE COMPANY OR THROUGH THE SERVICE, YOU REPRESENT AND WARRANT THAT:

• (a) You are the owner of all intellectual property rights in the content, or you have obtained all necessary permissions, licenses, and authorizations from the rightful owner(s) to upload, transmit, and authorize the Company to use such content in connection with the Services;
• (b) The content does not infringe, misappropriate, or otherwise violate the intellectual property rights, privacy rights, publicity rights, or any other rights of any third party;
• (c) The content does not contain any material that is unlawful, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, or violate any law;
• (d) You have the authority to grant the licenses and authorizations set forth in these Terms.

14.6 Safe Harbor Protection

The Company operates as a service provider within the meaning of Section 512 of the DMCA and maintains reasonable policies and procedures to address claims of copyright infringement. The Company does not actively monitor user-submitted content for potential copyright violations but will respond to valid DMCA takedown notices as described in this Section.

The Company is not liable for any content uploaded by users to the extent such liability is limited or excluded under the safe harbor provisions of the DMCA (17 U.S.C. § 512) or similar laws. However, this safe harbor does not extend to content uploaded by the Company's employees or contractors in the course of providing Services.

14.7 Indemnification for Intellectual Property Claims

You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, contractors, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to reasonable attorneys' fees) arising from or related to:

• (a) Any content you upload, submit, or transmit through the Service;
• (b) Your violation or alleged violation of any third party's intellectual property rights, including but not limited to copyrights, trademarks, patents, trade secrets, or rights of publicity;
• (c) Any claim that your content infringes, misappropriates, or otherwise violates any third-party rights;
• (d) Your failure to obtain proper authorization for content you provide to the Company.

15. AGGREGATED DATA RIGHTS AND AI MODEL IMPROVEMENT

15.1 Aggregated and Anonymized Data

You acknowledge and agree that the Company may collect, aggregate, and anonymize data derived from your use of the Services, including but not limited to task patterns, workflow data, communication metadata, service utilization statistics, and operational metrics (collectively, "Aggregated Data"). Aggregated Data is data that has been processed to remove or obscure all personally identifiable information such that it cannot reasonably be used to identify you or any individual.

15.2 Grant of Rights to Aggregated Data

YOU HEREBY GRANT THE COMPANY A PERPETUAL, IRREVOCABLE, WORLDWIDE, ROYALTY-FREE, FULLY PAID-UP, NON-EXCLUSIVE, TRANSFERABLE, AND SUBLICENSABLE LICENSE TO USE, REPRODUCE, MODIFY, ADAPT, PUBLISH, ANALYZE, CREATE DERIVATIVE WORKS FROM, AND OTHERWISE EXPLOIT AGGREGATED DATA FOR ANY LAWFUL PURPOSE, INCLUDING BUT NOT LIMITED TO:

• (a) Training, developing, improving, and optimizing the Company's internal artificial intelligence models, machine learning algorithms, and automated systems;
• (b) Enhancing the quality, efficiency, and accuracy of the Services;
• (c) Developing new products, services, and features;
• (d) Conducting internal research and development;
• (e) Generating benchmarks, analytics, reports, and insights regarding service performance and operational efficiency;
• (f) Creating and distributing anonymized industry reports, whitepapers, and case studies;
• (g) Improving the Company's business operations and strategic decision-making.

15.3 De-Identification Practices

The Company employs industry-standard de-identification practices to ensure that Aggregated Data cannot reasonably be used to identify individual users. These practices include, but are not limited to:

• (a) Removing or hashing direct identifiers such as names, email addresses, phone numbers, and account identifiers;
• (b) Generalizing or binning location data, dates, and other potentially identifying attributes;
• (c) Applying statistical techniques to ensure datasets meet de-identification thresholds;
• (d) Implementing access controls and data governance policies to prevent re-identification.

The Company will not attempt to re-identify any Aggregated Data and will contractually require any third parties with access to Aggregated Data to refrain from attempting re-identification.

15.4 Distinction from Personal Data

Aggregated Data, as defined in this Section, is distinct from your Personal Data as defined in the Company's Privacy Policy. Your Personal Data remains subject to the protections and limitations set forth in the Privacy Policy. This Section applies only to data that has been fully anonymized and aggregated in accordance with the de-identification practices described herein.

Nothing in this Section shall be construed to expand the Company's rights to your Personal Data beyond what is set forth in the Privacy Policy, nor shall it limit your rights with respect to Personal Data under applicable privacy laws, including the California Consumer Privacy Act (CCPA), General Data Protection Regulation (GDPR), and other applicable data protection regulations.

15.5 Intellectual Property in Derived Insights

The Company retains all right, title, and interest in and to any insights, analyses, models, algorithms, improvements, inventions, or other intellectual property derived from or developed using Aggregated Data (collectively, "Derived IP"). Such Derived IP constitutes valuable trade secrets and proprietary information of the Company.

You acknowledge that your provision of data that becomes Aggregated Data does not create any ownership interest, license, or other right in or to the Derived IP. You waive any claims to ownership, royalties, or other compensation related to Derived IP, and you agree not to challenge the Company's ownership of Derived IP.

15.6 Third-Party AI Providers

You acknowledge that the Company may share Aggregated Data with third-party artificial intelligence platform providers (such as Anthropic, OpenAI, Google, and similar providers) for the purpose of training, fine-tuning, or improving AI models that are used to deliver the Services. The Company will require such third-party providers to maintain the confidentiality of Aggregated Data and to use it solely for the purposes authorized by the Company.

The Company is not responsible for the data practices of third-party AI providers to the extent they process data in accordance with their own terms of service and privacy policies. You are encouraged to review the terms and privacy policies of major AI providers if you have concerns about how data may be processed.

15.7 Opting Out of Aggregated Data Collection

If you do not wish for your data to be included in Aggregated Data used for AI model training and improvement, you may opt out by sending a written request to busyworkhq [at] gmail.com with the subject line "Opt-Out: Aggregated Data." Upon receipt of your opt-out request, the Company will exclude your prospective data from Aggregated Data processing within 30 days.

Please note that opting out will not affect Aggregated Data that was processed prior to the effective date of your opt-out request, as such data has already been de-identified and aggregated in a manner that cannot be practicably reversed. Opting out may also limit certain features or optimizations available to you, as the Company may be unable to apply learnings derived from your data to improve your experience.

15.8 No Sale of Personal Data

For the avoidance of doubt, the Company's use of Aggregated Data as described in this Section does not constitute a "sale" of your Personal Data as defined under the California Consumer Privacy Act (CCPA) or other applicable privacy laws, because Aggregated Data is fully de-identified and does not constitute Personal Data.

16. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, service providers, officers, directors, employees, contractors, agents, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees and costs) arising from:

• Your use of and access to the Service, including Correspondence Services
• Your violation of any term of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Any claim that your content or instructions caused damage to a third party
• Any misrepresentations made by you
• Your violation of any applicable laws, rules, or regulations
• Any injuries, losses, or damages of any kind arising in connection with or as a result of the use of the Services
• Any disputes between you and any third-party service provider engaged through the Service
• Any property damage occurring during service provision
• Any claims, demands, or actions brought by your family members, guests, invitees, or other persons
• Any decisions made or actions taken by you based on the Services provided
• Communications sent on your behalf through Correspondence Services, including AI-generated communications
• Claims that AI-generated communications constituted professional advice or binding commitments
• Third-party responses to or actions based on communications sent on your behalf
• Any claims arising from content you upload, submit, or transmit that infringes third-party intellectual property rights

This defense and indemnification obligation will survive these Terms and your use of the Service.

17. LICENSE AND PROPERTY RIGHTS

17.1 License to Access: Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal or business purposes. This license does not include any resale or commercial use of the Service or its contents; any collection and use of any service listings, descriptions, or prices; any derivative use of the Service or its contents; or any use of data mining, robots, or similar data-gathering and extraction tools.

17.2 Intellectual Property: All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of the Company, its licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. All such rights are reserved.

17.3 Trademarks: The Company name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You may not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on the Service are the trademarks of their respective owners.

17.4 Work Product Ownership:

• (a) Digital Services: For web design, application development, and other digital services, unless otherwise agreed in writing, all work product, including designs, code, graphics, and other deliverables, shall remain the property of the Company until payment is received in full. Upon full payment, you will receive a non-exclusive license to use the deliverables for their intended purpose.
• (b) Custom Software: For custom software development, you will receive a license to use the software as specified in your service agreement. The Company retains ownership of all underlying code, frameworks, and development tools unless otherwise specified in writing.
• (c) Physical Services: For physical services such as construction, installation, or maintenance, the physical improvements become your property upon full payment, but the Company retains all intellectual property rights in the designs, plans, and methods used to create such improvements.

17.5 Content License: By providing any content, information, or feedback to the Company, you grant the Company a perpetual, worldwide, non-exclusive, royalty-free, transferable, and sublicensable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in connection with providing and promoting the Service.

18. USER RESPONSIBILITIES

18.1 Accurate Information: You agree to provide accurate and complete information when requesting Services, including details about your digital systems, accounts, service requirements, and any intellectual property involved. YOU ACKNOWLEDGE THAT FAILURE TO PROVIDE ACCURATE INFORMATION MAY RESULT IN DELAYS, ADDITIONAL CHARGES, OR INABILITY TO COMPLETE SERVICES.

18.2 Safe Digital Environment: You are responsible for ensuring that your digital systems and accounts are in a condition that allows for the safe and effective performance of the requested Services. This includes: Providing valid and secure access credentials to necessary systems or platforms; Informing the Company of any known security vulnerabilities, software conflicts, or technical limitations; Ensuring that your systems are free from malware, viruses, or other harmful components that could interfere with service delivery.

18.3 Compliance with Terms of Third-Party Platforms: You are responsible for ensuring compliance with the terms of service, licensing agreements, or usage policies of any third-party platforms, software, or SaaS services involved in the Services, unless otherwise specifically agreed in writing. YOU ACKNOWLEDGE THAT THE COMPANY IS NOT RESPONSIBLE FOR IDENTIFYING OR ENSURING COMPLIANCE WITH SUCH THIRD-PARTY REQUIREMENTS.

18.4 Presence During Service: Unless otherwise arranged, you or your authorized representative must be available at the beginning and end of the service period to provide access, confirm instructions, and validate completion. FOR CERTAIN SERVICES, ONGOING AVAILABILITY MAY BE REQUIRED. If you believe the task is not proceeding as expected, you must notify us within 24 hours of noticing the issue.

18.5 Digital Preparation: You are responsible for preparing your digital assets and systems for the requested Services as instructed by the Company. This may include: Backing up all data, files, or intellectual property prior to service initiation; Ensuring compatibility with required software or platforms; Providing administrative access or permissions as needed.

18.6 Disclosure of Pre-existing Conditions: You must disclose any known pre-existing conditions that may affect the performance of Services, including: Software conflicts or compatibility issues; Outdated systems or unsupported software versions; Known security vulnerabilities or prior data breaches; Network instability or bandwidth limitations; Restrictions imposed by third-party providers.

18.7 Post-Service Responsibilities: Following the completion of Services, you are responsible for: Reviewing the delivered work and reporting any issues within the timeframe specified in Section 7.6; Maintaining security updates, backups, and proper usage of systems to preserve service quality; Following any recommended maintenance or usage instructions provided by the Company.

18.8 Data Backup and Technical Responsibilities: FOR DIGITAL AND IT SERVICES, YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING ADEQUATE BACKUPS OF YOUR DATA, INCLUDING BUT NOT LIMITED TO PASSWORDS, FILES, SOFTWARE-AS-A-SERVICE (SAAS) SUBSCRIPTIONS, WEBSITES, AND ANY INTELLECTUAL PROPERTY. By using the Service, you represent and warrant that you have implemented and maintain working backups of your data sufficient to protect against loss, corruption, or technical failure. "Maintaining adequate backups" means having recovery capability INDEPENDENT of the Company's work. The Company will NOT create backups of your systems unless explicitly contracted to do so as a separate service. THE COMPANY ASSUMES NO RESPONSIBILITY FOR DATA LOSS, SYSTEM CRASHES, OR TECHNICAL ERRORS, REGARDLESS OF CAUSE.

18.9 Not Licensed Professionals and Assumption of Risk: The Company, its employees, contractors, and third-party service providers engaged through the Service are not licensed professionals in any field, including but not limited to law, medicine, real estate, accounting, IT security, software engineering, or any discipline requiring specialized licensure. Any information, suggestions, or content generated by the Company—including through the use of AI tools—is provided for informational and workflow purposes only. YOU ARE SOLELY RESPONSIBLE FOR CONSULTING QUALIFIED, LICENSED PROFESSIONALS FOR ADVICE SPECIFIC TO YOUR NEEDS AND CIRCUMSTANCES.

18.10 Authorization and Content Compliance: By using the Service, you represent and warrant that you have full authorization to transmit to the Company any files, communications, media, data, or other materials provided in connection with the Services. You further represent that your content complies with all applicable laws, regulations, and third-party terms, including intellectual property rights, privacy laws, and data protection standards. IF YOUR CONTENT INCLUDES NON-COMPLIANT, RESTRICTED, OR MALICIOUS MATERIALS, THE COMPANY RESERVES THE RIGHT TO IMMEDIATELY TERMINATE YOUR USE OF THE SERVICE WITHOUT PRIOR NOTICE OR LIABILITY.

18.11 Review of Correspondence Services Outputs: When using Correspondence Services, you are responsible for: Reviewing summaries and reports of correspondence sent on your behalf; Promptly reporting any errors, miscommunications, or concerns within 48 hours of notification; Monitoring for any third-party responses that require your attention or decision-making.

19. PROHIBITED USES

You agree not to:

• Use the Service for any illegal purpose or in violation of any local, state, national, or international law
• Violate or encourage others to violate the rights of third parties, including intellectual property rights
• Interfere with or disrupt the Service or servers or networks connected to the Service, including by transmitting any worms, viruses, spyware, malware, or any other code of a destructive or disruptive nature
• Attempt to gain unauthorized access to the Service, user accounts, computer systems, or networks connected to the Service through hacking, password mining, or any other means
• Harass, threaten, intimidate, impersonate, or attempt to impersonate any Company employee, contractor, service provider, or other user
• Submit false or misleading information, including but not limited to false service requests, inaccurate property information, or fraudulent payment information
• Use the Service in any manner that could disable, overburden, damage, or impair the Service
• Use any robot, spider, or other automatic device, process, or means to access the Service for any purpose
• Use the Service to book services for illegal activities or purposes
• Engage service providers in arrangements outside the Service to avoid payment of fees
• Provide false ratings or reviews of service providers
• Engage in abusive, threatening, or fraudulent behavior toward Company staff or contractors
• Use Correspondence Services to send spam, unsolicited communications, or communications that violate applicable anti-spam laws
• Use Correspondence Services to harass, threaten, or intimidate third parties
• Misrepresent the nature of AI-generated communications or claim that AI communications are from human agents when queried
• Attempt to reverse engineer, extract, or replicate the Company's AI systems, prompts, or methodologies
• Upload, submit, or transmit content that infringes any third party's intellectual property rights, including copyrights, trademarks, patents, or trade secrets

20. DATA SECURITY AND PRIVACY

20.1 No Guarantee of Security: While the Company takes reasonable measures to protect your information, including encryption of third-party credentials and use of expiring token links for secure forms, NO DATA TRANSMISSION OR STORAGE SYSTEM CAN BE GUARANTEED TO BE 100% SECURE. YOU ACKNOWLEDGE THAT THE COMPANY IS NOT LIABLE FOR: Unauthorized access to your account or personal information; Hacking, data breaches, or security incidents affecting the Service or third-party systems; Interception of data transmitted to or from the Service; Unauthorized use of your account credentials or third-party credentials due to your failure to secure them prior to submission; Any other security failures or vulnerabilities beyond our reasonable control.

20.2 Digital and IT Services Disclaimer: FOR WEB DESIGN, IT SERVICES, AND OTHER DIGITAL SERVICES, THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING: The security of websites, applications, or systems developed or maintained; Protection against all possible security vulnerabilities or threats; Compatibility with all security products or services; Continuous or uninterrupted security protection; Detection or prevention of all security incidents.

20.3 Third-Party Security: THE COMPANY IS NOT RESPONSIBLE FOR THE SECURITY PRACTICES OR POLICIES OF THIRD-PARTY SERVICE PROVIDERS, HOSTING COMPANIES, PAYMENT PROCESSORS, AI PLATFORM PROVIDERS, TELECOMMUNICATIONS PROVIDERS, OR OTHER THIRD PARTIES, EVEN IF RECOMMENDED BY THE COMPANY.

20.4 Client Responsibilities: YOU ARE RESPONSIBLE FOR:

• Maintaining the security of your account credentials and any third-party credentials you provide to the Company
• Implementing appropriate security measures for your own systems before sharing credentials
• Complying with security recommendations provided by the Company
• Promptly reporting any security concerns or incidents
• Maintaining backup copies of critical data
• Installing and maintaining appropriate security software on your devices

20.5 Privacy Policy: Your use of the Service is also governed by our Privacy Policy, which is incorporated herein by reference and available on the Site. The Privacy Policy explains how we collect, use, and disclose information that pertains to your privacy.

21. TERMINATION

21.1 Termination by Company: The Company may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms or engage in abusive, threatening, or fraudulent behavior toward our staff or contractors. Upon termination, your right to use the Service will immediately cease.

21.2 Termination by User: You may terminate these Terms by discontinuing your use of the Service and cancelling any scheduled Services in accordance with the cancellation policy.

21.3 Effect of Termination: Upon termination: Your account will be deactivated or deleted; Your right to use the Service will immediately cease; All licenses granted to you under these Terms will terminate; You remain liable for all amounts due up to and including the date of termination; The Company may delete your account information and content; The Company may notify service providers of the termination; Correspondence Services will cease, and any pending communications may not be sent.

21.4 Survival: All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, limitations of liability, and dispute resolution provisions.

22. COMMUNICATIONS

22.1 Electronic Communications: By using the Service, you consent to receive communications from the Company, including service notifications, promotional messages, and other information. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

22.2 Opt-Out: You may opt out of receiving promotional communications by following the unsubscribe instructions provided in the communication. However, you may not opt out of receiving service-related communications, such as those related to your account, scheduled services, billing, or changes to these Terms.

22.3 Text Messages and Phone Calls: By providing your mobile phone number, you consent to receive text messages and phone calls related to the Service, which may be sent using an automatic telephone dialing system or other automated technologies, including AI voice agents. Standard message and data rates may apply. You may opt out of receiving text messages by following the instructions provided in the messages or emailing busyworkhq [at] gmail.com.

22.4 Recording: You acknowledge and consent that phone calls with the Company's representatives, including AI voice agents, may be recorded for quality assurance, training purposes, and service improvement.

23. DISPUTE RESOLUTION & ARBITRATION

23.4 Exceptions to Arbitration: The only exceptions to mandatory arbitration are: Claims that qualify for small claims court in Salt Lake City, Utah; Claims related to intellectual property rights, which may be brought in state or federal courts in Salt Lake City, Utah; Injunctive relief to stop or prevent any actual or threatened misuse or infringement of intellectual property rights.

23.5 Pre-Arbitration Dispute Resolution: Before initiating arbitration, you agree to first contact the Company and attempt to resolve the dispute informally by sending a written notice of your claim by certified mail to the Company's address listed in the Contact Information section. The notice must include your name, address, email, a detailed description of the dispute, and the relief you seek. If the dispute is not resolved within 60 days after receipt of the notice, you may proceed with mediation within 30 days, followed by arbitration if mediation fails.

23.6 Arbitration Fees: The payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules. If you demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, the Company will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive.

23.7 Statute of Limitations: Any dispute must be filed within one (1) year after the cause of action has accrued, or the dispute will be permanently barred.

23.8 Changes to Arbitration: If the Company changes this Section 23 after your last acceptance, you may reject the change by sending written notice within 30 days of the effective date to the address in Section 23.1. Prior arbitration agreements remain in effect unless revoked.

24. GOVERNING LAW

24.1 Governing Law: These Terms and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of the State of Utah, United States, without regard to its conflict of law provisions.

24.2 Jurisdiction: For any matters not subject to arbitration, you and the Company agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in Salt Lake County, Utah.

24.3 Venue: Any arbitration, lawsuit, or other legal proceeding arising out of or relating to these Terms or the Services must be brought exclusively in Salt Lake City, Utah. You hereby consent to the jurisdiction of and venue in such courts and waive any objection as to inconvenient forum.

24.4 Choice of Law: These Terms shall be governed by Utah law without regard to its conflict of law provisions. This governing law provision applies regardless of where you reside or where you use the Service.

25. SPECIAL PROVISIONS FOR CALIFORNIA RESIDENTS

25.1 California Consumer Rights Notice: Pursuant to California Civil Code §1789.3, California residents are entitled to the following specific consumer rights notice: The Services are provided by Golden Ratio, LLC. Complaints regarding the Service or requests to receive further information regarding use of the Service may be sent to the address listed in the Contact Information section. The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

25.2 California Service Provider Requirements: For Services performed in California, any service provider engaged by the Company will comply with applicable California contractor licensing requirements as necessary for the specific Services. However, THE COMPANY DOES NOT GUARANTEE THAT ALL SERVICE PROVIDERS WILL POSSESS ALL REQUIRED LICENSES OR CERTIFICATIONS, AND IT REMAINS YOUR RESPONSIBILITY TO VERIFY SUCH CREDENTIALS IF REQUIRED FOR YOUR PARTICULAR PROJECT.

25.3 California Consumer Privacy Act: If and to the extent the California Consumer Privacy Act (CCPA) applies to the processing of your information, additional terms may apply, as set forth in our Privacy Policy.

25.4 California Business & Professions Code: Clients waive any claims under California Business & Professions Code §17200 unless arising from intentional misconduct by the Company, defined as willful acts performed with knowledge of their harmful consequences.

26. CHANGES TO TERMS

26.1 Modification Rights: The Company reserves the right, at its sole discretion, to modify or replace these Terms at any time. The most current version of the Terms will be posted on the Site with the effective date.

26.2 Notice of Changes: The Company will provide notice of material changes to these Terms by posting the amended terms on the Site at least 30 days before the effective date and, for material changes, via email to the address associated with your account.

26.3 Continued Use: Your continued use of the Service after any such changes constitutes your acceptance of the new Terms. You are responsible for regularly reviewing these Terms.

26.4 Material Changes: If the change to the Terms materially affects your rights or obligations and you do not accept such changes, you may terminate your account within 30 days of the notice of change without penalty.

27. MISCELLANEOUS PROVISIONS

28. CONTACT INFORMATION

If you have any questions regarding these Terms, please contact us at: