TERMS OF SERVICE

1. INTRODUCTION AND DEFINITIONS

1.1 Agreement Overview

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").

1.2 Key Definitions

For purposes of these Terms, the following definitions apply:

• "Compliance Services" means permit tracking, license renewal monitoring, filing coordination, deadline management, and related administrative services.
• "Compliance Deadline" means any date by which a permit, license, registration, certification, or other regulatory requirement must be renewed, filed, or otherwise acted upon.
• "Information Request" means any communication from the Company requesting documents, credentials, signatures, decisions, payments, or other input required to complete a task.
• "Response Deadline" means the timeframe specified in an Information Request by which you must respond (default: 48 hours unless otherwise specified).
• "Blocked Task" means a task that cannot proceed due to awaiting client response, documents, credentials, or decisions.
• "Government Portal" means any federal, state, county, municipal, or regulatory agency website, system, or platform used for permit applications, license renewals, or compliance filings.
• "Standard Monitoring Protocol" means the Company's commercially reasonable compliance monitoring process, including notifications at 30, 14, and 7 days before known deadlines.
• "Transmission Log" means the Company's records of email communications sent to your registered email address, including timestamps, delivery confirmations, and content summaries.

2. NATURE OF SERVICE

2.1 Service Description

BusyWork.com is a compliance-as-a-service and task delegation platform that helps small businesses manage permits, licenses, renewals, and administrative tasks. We specialize in tracking deadlines, coordinating filings, and handling the follow-up work that keeps businesses compliant. 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.

2.2 What We Handle

Examples of tasks within our scope include but are not limited to:

• Permit applications and renewals (business permits, short-term rental permits, fire permits, health permits)
• Business license renewals and state license tracking
• Certificate of Insurance (COI) requests, distribution, and tracking
• Inspection scheduling and coordination
• Bond and insurance renewal tracking
• Tax registration filings and renewals
• City and government portal submissions
• Certification renewals and background check renewals
• Multi-jurisdiction deadline monitoring and alerts
• Vendor coordination, bill disputes, and follow-up correspondence
• Data entry, document organization, and administrative coordination

2.3 What We Do NOT Handle

The following are NOT within our scope and may be declined or referred to specialized providers:

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

3. COMPLIANCE MONITORING SERVICES

3.1 Standard Monitoring Protocol

For ongoing compliance tracking services, the Company employs a Standard Monitoring Protocol designed to provide advance notice of upcoming deadlines and sufficient time for completion. This protocol includes:

• 30-Day Alert: Initial notification of upcoming deadline with preliminary assessment of required actions
• 14-Day Alert: Work initiation notification with specific Information Requests if client input is needed
• 7-Day Alert: Final verification check and escalation if any items remain outstanding

3.2 Deadline Discovery Limitations

The Company monitors deadlines based on information you provide and publicly available records. You acknowledge that:

• The Company is not liable for deadlines not disclosed to us or not discoverable through normal monitoring of public records
• Government agencies may change deadlines, requirements, or fees without public notice
• Some jurisdictions do not maintain publicly accessible deadline information
• You are responsible for informing the Company of all permits, licenses, and compliance obligations you wish to have monitored
• You should maintain your own compliance calendar and not rely solely on the Company's monitoring

3.3 Emergency and Late-Stage Engagements

For compliance tasks with deadlines less than 14 days from engagement, you acknowledge that:

• The Company cannot guarantee completion before the deadline
• Expedited or rush fees may apply
• The Company may decline the engagement if the timeline is impractical
• You assume all risk of non-completion for late-stage engagements
• Any fees paid for unsuccessful late-stage engagements are non-refundable for work performed

4. CLIENT COOPERATION AND RESPONSE OBLIGATIONS

4.1 Information Request Response Requirements

Certain compliance tasks require timely client action, including provision of documents, signatures, payments to government agencies, credentials, or responses to clarifying questions. When the Company sends an Information Request:

• The request will specify a Response Deadline (default: 48 hours unless otherwise specified)
• The request will clearly identify what is needed and why it is needed
• If you cannot provide the requested information by the deadline, you must notify the Company immediately with an estimated date of availability
• Failure to respond or acknowledge within the specified timeframe will result in the task being marked as a Blocked Task

4.2 Consequences of Non-Response

If you do not respond to an Information Request by the Response Deadline:

• The Company may proceed with available information (which may result in incomplete or incorrect filings)
• The Company may pause work and mark the task as Blocked pending your response
• Tasks blocked awaiting client response for more than 7 days may be closed without completion, with no refund for work performed
• The Company will send reminder notifications at 24 hours and 48 hours after the original request if no response is received
• After 72 hours without response, the Company will send a final "Deadline at Risk" notification

4.3 Presumption of Receipt

Communications sent to your registered email address are presumed received upon transmission. You acknowledge that:

• Email filtering, spam classification, or inbox management failures on your end do not relieve you of responsibility to respond
• You are solely responsible for ensuring Company emails (from @busywork.com and related domains) are not blocked, filtered, or auto-deleted
• Claiming non-receipt of emails sent to your registered address does not constitute grounds for dispute or refund
• The Company maintains Transmission Logs and delivery confirmations as evidence of communication
• You are responsible for monitoring your email regularly, including spam/junk folders
• If you will be unavailable for an extended period, you must notify the Company and designate an alternate contact

4.4 Client Cooperation for Physical Requirements

Some compliance tasks require actions only you can perform. You acknowledge responsibility for:

• Making payments directly to government agencies when required (the Company does not make payments on your behalf unless explicitly authorized)
• Providing wet signatures or notarized documents when required by the issuing authority
• Being present for inspections that require owner/operator presence
• Providing access to physical premises when required for compliance activities
• Completing any in-person requirements (fingerprinting, identity verification, etc.)

5. GOVERNMENT AND THIRD-PARTY PROCESSING

5.1 No Control Over Government Actions

The Company does not control government agencies, licensing boards, or other regulatory bodies. Filing deadlines, processing times, approval decisions, and inspection schedules are determined solely by the relevant authority.

5.2 Limitation of Liability for Government Actions

The Company is not liable for:

• Government delays, backlogs, staffing shortages, or processing errors
• Rejections due to incomplete applications where required information was not provided by you
• Changes to filing requirements, fees, or deadlines by government agencies without advance notice
• Lost, misdirected, or unprocessed filings by government portals or mail systems
• Portal outages, technical failures, maintenance windows, or system errors by government platforms
• Government decisions to deny, revoke, or condition permits or licenses regardless of application completeness
• Inspection failures due to property conditions, code violations, or other factors within your control
• Changes in law, regulation, or policy that affect permit or license requirements
• Government agency errors in processing correctly submitted applications

5.3 No Guarantee of Approval

The Company coordinates and submits filings on your behalf but does not guarantee any particular outcome. Permit approvals, license renewals, and other regulatory decisions are at the sole discretion of the issuing authority. The Company's role is limited to: preparing applications according to published requirements, submitting applications through appropriate channels, tracking application status, and following up on pending applications. The Company does not have influence over government decision-making processes.

6. SERVICE STRUCTURE

6.1 Direct Services

Services that are performed by the Company's employees or contractors, including compliance monitoring, deadline tracking, application preparation, and administrative coordination.

6.2 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.

6.3 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.

6.4 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.

6.5 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 15 for detailed AI disclosures.

7. USER ELIGIBILITY

7.1 Age Requirement

You must be at least 18 years of age to use the Service.

7.2 Legal Capacity

By using the Service, you represent and warrant that you have the legal capacity to enter into a binding contract with the Company and that you are not barred from using the Service under applicable law.

7.3 Account Information

You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. If the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, the Company reserves the right to suspend or terminate your account and refuse any and all current or future use of the Service.

7.4 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to immediately notify the Company of any unauthorized use of your account or any other breach of security.

7.5 Business Use Representation

If you are using the Service on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms, and that the entity agrees to be bound by these Terms.

8. SERVICE REQUESTS AND BOOKING

8.1 Service Requests

All requests for Services must be submitted through the Site or through official Company communication channels (including your dedicated forwarding email address). 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.

8.2 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 11.9. All quotes are valid for 30 days unless otherwise specified.

8.3 Scheduling

The Company will make reasonable efforts to complete compliance tasks before their deadlines but cannot guarantee specific completion times. You acknowledge that scheduling is subject to government portal availability, third-party response times, client cooperation, and other factors beyond the Company's control. You may not rely on estimated completion times for critical decisions unless explicitly guaranteed in writing.

8.4 Cancellation

Cancellation policies vary by service type and will be communicated at the time of booking. Generally:

• Cancellations made more than 48 hours before scheduled service incur no fee
• Cancellations 24-48 hours before scheduled service incur 50% of service fee
• Cancellations less than 24 hours before scheduled service incur 100% of service fee

8.5 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, is beyond our scope, cannot be performed to satisfactory standards, or would violate applicable laws.

9. SECURE CREDENTIAL HANDLING

9.1 Credential Requirements

To perform certain tasks on your behalf (e.g., submitting permit applications, accessing government portals, 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.

9.2 Your Representations

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.

9.3 Security Measures

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.

9.4 Credential Failures

9.5 Third-Party Password Vault Integration

To enhance security, you may elect to use a supported third-party password management platform (1Password, Keeper Security, LastPass, Bitwarden, or similar). You retain full ownership and administrative control of your vault account. You are responsible for configuring permissions to limit our access to only necessary credentials.

10. EMAIL-BASED WORKFLOW SECURITY

10.1 Email Security Acknowledgment

BusyWork.com operates primarily through email communication. By using our email-based service, you acknowledge that email communication is not fully secure. The Company relies on the "From:" email address and standard email authentication protocols (SPF/DKIM/DMARC) to verify the identity of task requesters.

10.2 Your Email Security 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
• Reviewing all task confirmations and status updates sent by the Company
• Promptly reporting any tasks you did not authorize

10.3 Company Liability Limitations for Email

10.4 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.

11. PAYMENT TERMS

11.1 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: $79/month subscription including 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, and priority task queue.

11.2 Free Trial Terms

The Company may offer promotional "first 5 tasks free" or similar trial offers. These promotions apply once per email domain, are limited to standard tasks, exclude tasks requiring third-party payments or specialized services, and may be terminated at any time.

11.3 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 authorize the Company to charge your payment method for the total amount of your order.

11.4 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. For payments more than 30 days late, the Company reserves the right to suspend ongoing services, withhold deliverables, report delinquent accounts to credit bureaus, and pursue collections actions.

11.5 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.

11.6 Compliance Service Refund Limitations

12. SERVICE PERFORMANCE

12.1 Scope of Work

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

12.2 Access Requirements

You agree to provide necessary access to digital systems, accounts, and credentials as required for the performance of the Services. Failure to provide access at the scheduled time may result in delays and Blocked Task status.

12.3 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 government processing times, third-party service interruptions, client-caused delays, or portal outages.

12.4 Service Validation

Upon completion of Services, the Company will send a completion email with documentation (confirmation numbers, receipts, approved permits) and request that you confirm satisfaction or report issues within 48 hours. Failure to respond within 48 hours deems the Services accepted "as-is."

13. THIRD-PARTY INTERACTIONS

13.1 Authorization for Third-Party Contact

When performing tasks involving third parties such as vendors, service providers, billing departments, or government agencies, the Company acts solely as your authorized agent. By submitting a task, you expressly authorize the Company to contact third parties on your behalf, use your name and account information, follow up persistently as needed, and represent ourselves as acting on your behalf.

13.2 No Guarantee of Third-Party Outcomes

14. AUTHORIZED CORRESPONDENCE SERVICES

14.1 Express Authorization

The Company offers authorized correspondence and follow-up services through branded communication channels, including email domains (HandledRight.com, Followup.bot) and telephone communications via Twilio. By using these services, you expressly authorize the Company to:

• Send emails on your behalf
• Make and receive telephone calls
• Send SMS messages
• Identify ourselves as your authorized representative
• Conduct persistent follow-up until task completion

14.2 AI in Correspondence Services

14.3 Limitations

The Company and its AI Systems will NOT provide legal, medical, or financial advice, execute binding contracts without explicit authorization, make financial commitments on your behalf, or transmit sensitive personal information without specific authorization.

14.4 Compliance with Communication Laws

By authorizing Correspondence Services, you represent that you have legal authority to authorize communications to the recipients you designate, the communications comply with CAN-SPAM, TCPA, and applicable laws, and you have obtained necessary consents from recipients.

14.5 SMS/Text Message Communications

By opting in to SMS communications, you confirm that you are the owner or authorized user of the mobile phone number provided, that you consent to receive automated text messages at this number, and that you understand that consent is not a condition of purchase.

We will not share your mobile phone number or SMS opt-in data with third parties for their marketing purposes. Your mobile information is used solely to deliver the services you have requested and for related operational communications.

15. AI AND AUTOMATED SYSTEMS

15.1 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.

15.2 Limitations of AI

You understand and agree that: AI-generated information may contain inaccuracies or errors; the Company utilizes "Human-in-the-Loop" methodology but this does not guarantee detection of all AI errors; AI Tools may produce content that appears plausible but is factually incorrect; Clients are responsible for reviewing and validating all deliverables.

15.3 AI Data Usage

Task data and communications may be processed by third-party AI providers. The Company uses commercially reasonable efforts to anonymize sensitive information but cannot guarantee third-party AI provider data handling.

15.4 No Professional Advice

16. WARRANTIES AND DISCLAIMERS

16.1 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 ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

16.2 Warranty Period

Any warranty on workmanship shall be valid for 30 days from the date of service completion unless otherwise specified in writing.

16.3 Warranty Exclusions

The warranty does not cover: government rejections or denials; deadlines missed due to client non-response; errors in information provided by you; third-party platform changes; pre-existing compliance issues; or consequences of actions you failed to take.

16.4 Comprehensive Disclaimer

17. LIMITATION OF LIABILITY

17.1 Maximum Liability

17.2 Liability Cap

THE COMPANY'S LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES PROVIDED SHALL BE LIMITED TO THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY FOR THE SPECIFIC SERVICE GIVING RISE TO THE LIABILITY OR $500, WHICHEVER IS LESS.

17.3 Compliance-Specific Exclusions

THE COMPANY IS SPECIFICALLY NOT LIABLE FOR:

• Business interruption, lost revenue, or regulatory fines resulting from permit lapses or license revocations
• Deadlines missed due to your failure to respond to Information Requests
• Government rejections, denials, or delays regardless of application quality
• Compliance deadlines not disclosed to the Company or not discoverable through normal monitoring
• Errors in AI-generated content even when operating under human supervision
• Third-party actions or failures to act in response to correspondence sent on your behalf
• Consequences of late-stage engagements where deadlines were less than 14 days from engagement

17.4 Exclusive Remedy for Compliance Services

IN NO EVENT SHALL THE COMPANY BE LIABLE FOR BUSINESS INTERRUPTION, LOST REVENUE, REGULATORY FINES, PENALTIES, OR LICENSE REVOCATION CONSEQUENCES ARISING FROM COMPLIANCE SERVICES, REGARDLESS OF WHETHER THE COMPANY WAS NEGLIGENT. YOUR EXCLUSIVE REMEDY IS A REFUND OF FEES PAID FOR THE SPECIFIC COMPLIANCE TASK AT ISSUE, SUBJECT TO THE LIMITATIONS IN SECTION 11.6.

18. DOCUMENT RETENTION

18.1 Retention Period

The Company retains copies of submitted filings, confirmations, and correspondence for the duration of your active subscription plus 90 days, or for 12 months from the date of service completion for pay-per-task engagements.

18.2 Your Responsibility

You are solely responsible for maintaining your own records of permits, licenses, and compliance documents. The Company is not a document repository and does not guarantee indefinite retention of your records. You should download and retain copies of all confirmations, approved permits, and compliance documentation provided to you.

18.3 Audit Trail

The Company maintains Transmission Logs of all communications, including timestamps, delivery confirmations, and content summaries. These logs may be used as evidence of communications sent and actions taken.

19. INDEMNIFICATION

19.1 General Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, officers, directors, employees, contractors, agents, and successors from and against any and all claims, damages, losses, liabilities, costs, or expenses (including attorney's fees) arising from:

• Your use of and access to the Service
• Your violation of any term of these Terms
• Your violation of any third-party right
• Information you provided being inaccurate or incomplete
• Your failure to respond to Information Requests resulting in missed deadlines
• Communications sent on your behalf through Authorized Correspondence Services
• Claims that AI-generated communications constituted professional advice
• Third-party claims arising from correspondence you authorized
• Claims that your authorization exceeded your actual authority

20. INTELLECTUAL PROPERTY

20.1 Company Property

All content, features, and functionality of the Service are the exclusive property of the Company and are protected by intellectual property laws. All such rights are reserved.

20.2 DMCA Compliance

The Company respects intellectual property rights and will respond to valid DMCA takedown notices. The Company's Designated Copyright Agent can be reached at: Golden Ratio, LLC, Attn: Copyright Agent, 3556 S 5600 W, Suite #1-1038, Salt Lake City, UT 84120, or busyworkhq [at] gmail.com.

20.3 Aggregated Data Rights

You grant the Company a perpetual, royalty-free license to use anonymized, aggregated data derived from your use of the Services for improving services, training AI models, and generating anonymized industry reports. You may opt out by emailing busyworkhq [at] gmail.com with subject "Opt-Out: Aggregated Data."

21. USER RESPONSIBILITIES

21.1 Accurate Information Warranty

FAILURE TO PROVIDE ACCURATE INFORMATION MAY RESULT IN DELAYS, ADDITIONAL CHARGES, REJECTED APPLICATIONS, OR INABILITY TO COMPLETE SERVICES. You agree to promptly notify the Company if any information you have provided becomes inaccurate or outdated.

21.2 Disclosure of Compliance Obligations

You must disclose all permits, licenses, and compliance obligations you wish the Company to monitor. The Company cannot track deadlines for obligations not disclosed to us.

21.3 Data Backup Responsibilities

YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING ADEQUATE BACKUPS OF YOUR DATA. The Company will not create backups of your systems unless explicitly contracted to do so.

21.4 Review of Outputs

You are responsible for reviewing outcomes of Services and promptly reporting any errors or concerns within 48 hours of notification. For compliance filings, you should verify all information before the Company submits on your behalf.

22. PROHIBITED USES

You agree not to:

• Use the Service for any illegal purpose
• Submit false or misleading information
• Use Authorized Correspondence Services to send spam or unsolicited communications
• Harass, threaten, or intimidate third parties through our services
• Misrepresent the nature of AI-generated communications
• Attempt to reverse engineer the Company's AI systems
• Engage in abusive behavior toward Company staff

23. DATA SECURITY AND PRIVACY

23.1 No Guarantee of Security

While the Company takes reasonable measures to protect your information, NO DATA TRANSMISSION OR STORAGE SYSTEM CAN BE GUARANTEED TO BE 100% SECURE.

23.2 Privacy Policy

Your use of the Service is also governed by our Privacy Policy, which is incorporated herein by reference.

24. TERMINATION

24.1 Termination by Company

The Company may terminate or suspend your access immediately, without prior notice, for any breach of these Terms or abusive behavior.

24.2 Effect of Termination

Upon termination: your account will be deactivated; your right to use the Service will cease; you remain liable for all amounts due; pending compliance tasks may not be completed; Authorized Correspondence Services will cease.

24.3 Survival

Provisions regarding ownership, warranties, indemnity, limitations of liability, and dispute resolution survive termination.

25. DISPUTE RESOLUTION AND ARBITRATION

25.1 Mandatory Arbitration

You may opt out by sending written notice to Golden Ratio, LLC, 3556 S 5600 W, Suite #1-1038, Salt Lake City, UT 84120, within 30 days of accepting these Terms.

25.2 Class Action Waiver

BY AGREEING TO ARBITRATION, YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT, CLASS-WIDE ARBITRATION, OR ANY PROCEEDING IN WHICH SOMEONE ACTS IN A REPRESENTATIVE CAPACITY. ALL CLAIMS MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY.

25.3 Pre-Arbitration Resolution

Before initiating arbitration, you must contact the Company and attempt to resolve the dispute informally by sending written notice. The dispute must be resolved or mediation attempted within 60 days before proceeding to arbitration.

25.4 Statute of Limitations

Any dispute must be filed within one (1) year after the cause of action accrued, or it will be permanently barred.

26. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to conflict of law principles. For matters not subject to arbitration, you submit to the exclusive jurisdiction of courts in Salt Lake County, Utah.

27. SPECIAL PROVISIONS FOR CALIFORNIA RESIDENTS

27.1 California Consumer Rights Notice

Pursuant to California Civil Code §1789.3, California residents may contact the Complaint Assistance Unit of the Division of Consumer Services at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or (800) 952-5210.

27.2 CCPA Rights

If the California Consumer Privacy Act applies, additional terms may apply as set forth in our Privacy Policy.

28. CHANGES TO TERMS

The Company reserves the right to modify these Terms at any time. Material changes will be posted at least 30 days before the effective date and communicated via email. Continued use after changes constitutes acceptance. If you do not accept material changes, you may terminate within 30 days without penalty.

29. MISCELLANEOUS PROVISIONS

29.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company.

29.2 Severability

If any provision is held invalid, the remaining provisions shall be enforced to the fullest extent.

29.3 Force Majeure

The Company is not liable for failures due to causes beyond reasonable control, including acts of God, pandemics, government action, or third-party service interruptions.

29.4 No Waiver

Failure to enforce any provision does not constitute waiver.

29.5 Assignment

You may not assign these Terms without consent. The Company may freely assign.

29.6 Electronic Signature

Your electronic submissions constitute your agreement and intent to be bound.

30. CONTACT INFORMATION

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