Terms of Service

These Terms of Service (the "Terms" or "Agreement") are made and entered into by and between you ("User", "you" or "your") and Claim Bridge Capital, LLC, a Delaware limited liability company (referred to in these Terms as "Company", "we", "us" or "our") for the use of the website https://www.claimbridge.com, any site or sub-site hosted thereon, and any mobile application or other software provided by us (collectively, the "Platform").

Please read these Terms carefully and print them for future reference. By accessing, browsing, or otherwise using the Platform, or our products and services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not accept the Terms, you shall not access, browse, or use the Platform. These Terms along with our Privacy Policy and Cookie Policy explain how we provide our products and services, collect, hold, and process your information, and govern your access to and use of our products and services, including any content, functionality and services offered on or through the Platform. If you do not want to agree to these Terms or the Privacy Policy, you may not use our Platform, products, and services. If you are accessing our Platform via any other third-party application or site, you expressly agree to be bound by the notices, terms, and conditions posted thereon.

You understand and agree that we may change these Terms at any time without prior notice. You may read a current, effective copy of these Terms at any time by selecting the "Terms of Service" link on the Platform. The revised terms and conditions will become effective at the time of posting. Any use of the Platform, products, or services after such date shall constitute your acceptance of such revised terms and conditions. If any change to these Terms is not acceptable to you, your sole remedy is to cease accessing, browsing, and otherwise using the Platform, products, or services. We will not be liable if for any reason all or any part of the Platform, products, or services are unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Platform, products, or services to users, including registered users. You are responsible for making all arrangements necessary on your end to have access to the Platform, products, or services and ensuring that all persons who access the Platform, products, or services through your internet connection are aware of and comply with these Terms.

ARBITRATION NOTICE. Except for certain kinds of disputes described in Section 15, you agree that disputes arising under these Terms will be resolved by binding, individual arbitration, and BY ACCEPTING THESE TERMS, YOU AND COMPANY ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION OR REPRESENTATIVE PROCEEDING. YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under this contract. Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury (See Section 15). For any dispute involving an amount less than Eight Thousand ($8,000.00) Dollars, the Parties shall submit such disputes to non-binding mediation in Palm Beach County, Florida (JAMS Rules).

1 Overview. The Company provides you access to our personalized virtual Platform that allows Users to apply for, manage, and receive a non-recourse litigation cash advance offered by Claim Bridge ("Product"). The Platform is designed to connect the User with pre-settlement funding options, enabling the User to submit required documentation, review and execute their cash advance agreement, and receive funding all through a secure, invitation-only digital environment accessible via a personalized code provided by the Company. The Company may also offer additional tools, features, or programs that the Company may make available from time to time (collectively, defined as "Services"), if any.

2 Eligibility. By agreeing to these Terms, you represent and warrant to us that: (a) you are at least eighteen (18) years old; (b) you have not previously been suspended or removed from the Platform; and (c) your use of the Platform is in compliance with any and all applicable laws and regulations.

3 Accounts and Registration.

3.1 As part of the Platform, you will be required to create a user account ("Account") by entering the unique access code provided to you by the Company. You may receive an email confirming the creation of your Account.

3.2 When you register for an Account, you may be required to provide us with certain information about yourself, including your name, address, date of birth, phone number, and email address. You agree that all information you provide to us is accurate, current, and complete, and that you will keep it accurate and up to date at all times. Your email address will serve as your login credentials. When you register, you will be asked to create a password. You are solely responsible for maintaining the confidentiality of your Account and password, and you accept responsibility for all activities that occur under your Account. If you believe that your Account is no longer secure, you must immediately notify us at info@claimbridge.com. A "Forgot Password" option is available on the login page should you need to reset your credentials.

3.3 As part of the registration and verification process, you will be required to submit a copy of a valid, government-issued photo identification (such as a driver's license, state ID, or passport) and complete a live identity verification, which includes taking a real-time selfie. By submitting these materials, you represent and warrant that (a) the identification document submitted is valid, accurate, and belongs to you; (b) the selfie is a live image taken at the time of verification and is not a previously captured photograph; and (c) all information submitted is true and accurate. Your identification and photo may be shared with third-parties solely for the purpose of identity verification.

3.4 By requesting access to the Platform, you will be required to submit certain information via Plaid for identity verification and bank account connectivity purposes. In doing so, you expressly acknowledge and consent to Plaid's Terms of Service and all other policies and terms contained therein.

3.5 Incurring Liabilities. Notwithstanding any other terms of this Agreement, any acts or omissions by the User that violate these Terms shall be deemed a breach of these Terms by the User and User will indemnify, defend, and hold the Company harmless from and against all damages, liabilities, costs, and expenses that the Company may incur as the result of such breach.

4 Platform Access and Funding Process.

4.1 Access and Eligibility. Access to the Platform is granted exclusively through a unique, personalized access code ("Access Code") provided to you by the Company. Your Access Code is personal to you, non-transferable, and may only be used by the individual to whom it was issued. Any unauthorized use of your Access Code by another individual is strictly prohibited. Receipt of an Access Code does not constitute a guarantee of funding or an obligation on the part of the Company to enter into a cash advance agreement with you. The Company reserves the right, in its sole discretion, to deny, suspend, or terminate access to the Platform at any time, with or without notice, including where a User fails to satisfy the Company's eligibility or identity verification requirements.

4.2 Platform Service. Subject to your compliance with these Terms, the Company grants you limited, non-exclusive, non-transferable access to the Platform solely for the purpose of applying for, reviewing, and executing a non-recourse cash advance agreement with the Company (the "Agreement"). To receive funding, you must complete all required steps of the Platform's funding process, including identity verification, offer selection, execution of the Agreement, and bank account authorization. Partial completion of the funding process does not obligate the Company to provide funding.

4.3 Offer Selection. Upon accessing the Platform, you will be presented with a pre-determined funding offer based on your legal claim. The Company reserves the right to modify, withdraw, or discontinue any funding offer at any time prior to your execution of the Agreement. Once you have executed the Agreement, the terms of your funding offer shall be governed solely by and subject to the terms of the Agreement.

4.4 Identity Verification. As a condition of accessing the Platform and receiving funding, you will be required to complete an identity verification process administered through Plaid. As part of this process, you must submit a valid, government-issued photo identification and complete a real-time liveness verification, which requires you to take a live selfie at the time of verification. You represent and warrant that: (a) the identification document you submit is valid, current, and belongs solely to you; (b) the selfie submitted is a live image captured at the time of verification and is not a previously taken photograph; and (c) all information submitted during the verification process is true, accurate, and complete. Any attempt to submit false, fraudulent, or misleading identification or imagery shall constitute a material breach of these Terms.

4.5 Cash Advance Agreement Execution. Upon completing identity verification and reviewing your funding offer, you will be presented with the Cash Advance Agreement ("Cash Advance Agreement") for your review. You are required to review the Cash Advance Agreement in its entirety prior to signing. By clicking to sign, you: (a) acknowledge that you have read, understood, and agree to be bound by the terms of the Cash Advance Agreement; (b) confirm that your electronic signature carries the same legal weight and effect as a handwritten signature pursuant to the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable law; and (c) agree that the Cash Advance Agreement, as executed, constitutes a legally binding obligation between you and the Company. Upon execution, a copy of the signed Cash Advance Agreement will be made available to you for your records. In the event of a dispute regarding the Cash Advance Agreement, the terms of the Cash Advance Agreement shall govern.

4.6 Bank Account Authorization. To receive your advance, you will be required to connect a valid bank account through Plaid and authorize the Company to deposit your advance funds. You represent and warrant that the bank account information you provide is accurate, current, and belongs to you. You are solely responsible for verifying that your bank account information is correct prior to authorizing the transfer. In the event that funds are deposited to an incorrect account due to inaccurate information provided by you, you agree to contact the Company directly for resolution. The Company shall not be liable for any loss or delay resulting from inaccurate bank account information provided by you.

4.7 Post-Funding Account Access. Following successful completion of the funding process, you may access your Account to view your funding details, estimated repayment amount, transaction status, and other information relating to your transaction, and to download your executed Cash Advance Agreement. Any repayment-related information displayed through the Account is provided for convenience only and remains subject to the terms of your executed Cash Advance Agreement, applicable lien priorities, and the actual resolution of your legal claim.

4.8 Live Chat. The Platform includes a live chat feature that uses automated, AI-assisted technology and may also permit escalation to a live Company representative. The chat feature may be provided in whole or in part by a third-party provider, and your use of it is subject to that provider's applicable terms and privacy practices. Chat communications may be monitored, recorded, stored, and processed by the Company and its service providers for customer support, quality assurance, fraud prevention, compliance, and operational purposes. The chat feature is provided for general informational and customer support purposes only. Responses provided through the chat feature do not constitute legal advice, financial advice, underwriting approval, funding approval, or any promise or representation regarding the outcome, value, or timing of any legal claim. You should not submit attorney-client privileged communications, attorney work product, litigation strategy, settlement strategy, or other sensitive legal information through the chat feature. Use of the chat feature is subject to our Privacy Policy. You may also contact the Company directly at info@claimbridge.com

4.9 Complementary Services. We may make complementary services available to you ("Complementary Services"), from time to time. Your use of Complementary Services is subject to the terms and conditions of this Agreement. In the event of a conflict between this Section and any other section of this Agreement, this Section shall control. Complementary Services are provided to you without charge up to certain limits set forth by us and subject to change without notice. You agree that the Company, in its sole discretion and for any or no reason, may terminate access to the Complementary Services or any part thereof. You agree that any termination of access to the Complementary Services may be without prior notice, and you agree that the Company will not be liable to you or any third party for such termination.

NOTWITHSTANDING ANYTHING ELSE CONTAINED HEREIN, ANY COMPLEMENTARY SERVICES ARE PROVIDED "AS-IS" WITHOUT ANY WARRANTY AND WE SHALL HAVE NO INDEMNIFICATION OBLIGATIONS NOR LIABILITY OF ANY TYPE WITH RESPECT TO THE COMPLEMENTARY SERVICES UNLESS SUCH EXCLUSION OF LIABILITY IS NOT ENFORCEABLE UNDER APPLICABLE LAW IN WHICH CASE OUR LIABILITY WITH RESPECT TO THE COMPLEMENTARY SERVICES SHALL NOT EXCEED TEN ($10.00) DOLLARS. WITHOUT LIMITING THE FOREGOING, WE AND OUR AFFILIATES AND LICENSORS DO NOT REPRESENT OR WARRANT TO YOU THAT: (A) YOUR USE OF THE COMPLEMENTARY SERVICES WILL MEET YOUR REQUIREMENTS, (B) YOUR USE OF THE COMPLEMENTARY SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR FREE FROM ERROR, AND (C) USAGE DATA PROVIDED THROUGH THE COMPLEMENTARY SERVICES WILL BE ACCURATE.

5 Third Party Services.

5.1 Linked Websites. The Platform may contain links to third-party websites, including but not limited to Plaid, Chatbot, Instagram, and Facebook ("Third-Party Sites"). The live chat feature may be provided in whole or in part by Chatbot.com, and your use of that feature is subject to Chatbot.com's applicable terms and privacy practices, available at https://www.chatbot.com/legal/for-clients/. These links are provided solely as a convenience to you and not as an endorsement by us of the content on such Third-Party Sites. The content of such Third-Party Sites is developed and provided by others, not by the Company, and we have no control over any comments, posts, content or legal terms contained in any Third-Party Sites. By visiting any Third-Party Sites, you agree to expressly be bound by any posted terms and conditions including but not limited to Instagram's Terms of Use, Facebook's Terms of Service, and YouTube's Terms of Service. You should contact the site administrator for those Third-Party Sites if you have any concerns regarding such links or any content located on such Third-Party Sites. Company is not responsible for the content of any linked Third-Party Sites and does not make any representations regarding the content or accuracy of any materials on such Third-Party Sites. You should take precautions when downloading files from all websites to protect your computer from viruses and other destructive programs. If you decide to access any Third-Party Sites, you do so at your own risk. To the fullest extent permitted under applicable law, you agree to indemnify us and hold us harmless for your access and use of any Third-Party Sites.

5.2 Third-Party Service Providers. The Company does not warrant, endorse, guarantee, or assume any responsibility or liability for any product or service advertised or offered by a third-party ("Third-Party Service Provider") through our Platform. If you use any product or service offered by a Third-Party Service Provider in conjunction with the Platform, you acknowledge and agree that (i) you are responsible for understanding the terms and conditions of your use of the third-party product or service; (ii) we do not control the Third-Party Service Provider or its products or services; (iii) your use of their products or services is at your own risk; and (iv) we are not responsible and may not be held liable for the products or services, or the actions or omissions, of the Third-Party Service Provider. Subject to these disclaimers, we may use certain Third-Party Service Providers to gather data and authenticate information regarding you, your device, and your Account. In some instances, this may require you to accept third-party software tools and products through the Platform. You further agree we may place cookies and other identifiers on the mobile devices you use to access our Products, Services, and Platform, as specified in these Terms or in our Products or Services. For more information, please visit our Cookie Policy and Targeted Ads Policy to which you expressly agree.

6 Our Content.

6.1 Our Platform contains our proprietary material or material that has been licensed to us, including but not limited to software, text, graphics, and images (collectively, our "Content"). We may own the Content or sections of the Content may be made available to us through arrangements that we have with third parties. The Content is the intellectual property of Company or our licensors and constitute trademarks, patents, copyrights, and other intellectual property rights of Company or its licensors under U.S. and foreign laws and international conventions. Unauthorized use of our Content may result in violation of copyright, trademark, and other laws. You have no rights in or to the Content, and you will not use, copy, or display the Content except as permitted under these Terms. No other use is permitted without our prior written consent. You must retain all copyright and other proprietary notices contained in the original Content on any copy you make of the Content. Failure to do so may result in violations of state and federal laws. You may not sell, transfer, assign, license, sublicense, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose. The use or posting of any of the Content on any other website, digital or printed materials, or in a networked computer environment for any purpose is expressly prohibited. If you violate any part of these Terms, your right to access and/or use the Content and Platform shall automatically terminate, and you must immediately destroy any copies you have made of the Content.

6.2 The trademarks, service marks, and logos of the Company (collectively, the "Company Trademarks") used and displayed on the Platform are registered and unregistered trademarks or service marks of the Company. Other company, product, and service names located on the Platform may be trademarks or service marks owned by third parties (the "Third-Party Trademarks", and, collectively with the Company Trademarks, the "Trademarks"). Nothing on the Platform or in these Terms shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademarks displayed on the Platform without the prior written consent of Company or the applicable third-party trademark owner, as applicable, for each such use. The Trademarks may not be used to disparage the Company or any applicable third party, or Company's or such third party's products or services, or in any manner that may damage or dilute any goodwill associated with the Trademarks. Use of any Trademarks as part of a link to or from any website is prohibited without the Company's prior written consent. All goodwill generated from the use of any Company Trademarks shall inure exclusively to the Company's benefit. Certain elements of the Platform are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors, except as otherwise expressly permitted by us. None of the Content made available through the Platform may be copied, reproduced, distributed, transmitted, or otherwise exploited without the express written consent from the Company for each and every instance.

6.3 Ownership; Proprietary Rights. The Platform is owned and operated by the Company. The Content, visual interfaces, graphics, designs, compilation, information, data, computer code, products, software, services, and all other elements of the Platform, Products, and Services ("Materials") provided by the Company are protected by intellectual property and other laws. All Materials included in the Platform and the Service are the property of the Company or its third-party licensors. Except as expressly authorized by Company, you may not make use of the Materials except in connection with your use of the Platform or any Product or Service. Company reserves all rights to the Materials not granted expressly in these Terms.

6.4 Prohibited Commercial Use. The Platform, Products, Services, and all Content are licensed solely for your personal, non-commercial use. You may not, without the Company's prior written consent: (a) reproduce, distribute, publish, republish, upload, post, transmit, display, or publicly perform any section of the Platform, Products, and/or Services; (b) use any Content, including any Informational Content, blog posts, articles, or other materials available through the Platform, for commercial purposes, resale, or other commercial exploitation; (c) incorporate any Content into any book, publication, digital product, subscription service, or other commercial offering; (d) download or copy Content for the benefit of any third party; or (e) use any automated means, including scraping, bots, or data-mining tools, to access or collect Content from the Platform. Any unauthorized commercial use constitutes a material breach of these Terms and may result in immediate termination of access and legal action.

6.5 Prohibited Conduct. In addition to the prohibitions set forth in Section 6.4, you agree that you will not, under any circumstances: (a) submit false, fraudulent, altered, or fabricated identification documents, photographs, or any other information in connection with your Account, identity verification, or application for funding; (b) use, share, or transfer an Access Code that was not issued directly to you by the Company, or attempt to access the Platform using another individual's Access Code; (c) impersonate any person or entity, or falsely represent your identity, your legal claim, or your eligibility for funding; (d) attempt to circumvent, defeat, or manipulate the Platform's identity verification, access control, or security systems by any means; (e) make any material misrepresentation or omission regarding your legal claim, your attorney, the status of your case, or any proceeds in connection with your application for funding or your obligations under the Agreement; (f) take any action designed to obtain funding from the Company under false pretenses or through deceptive means; (g) use the Platform for any unlawful purpose or in violation of any applicable federal, state, or local law or regulation; or (h) assist, encourage, or enable any third party to engage in any of the foregoing. Any violation of this Section 6.5 shall constitute a material breach of these Terms and may result in immediate termination of your Account, denial of funding, and referral to appropriate law enforcement authorities. The Company reserves all rights and remedies available at law or in equity in connection with any such violation.

7 Feedback. If you choose to provide input and suggestions regarding the design and performance of the Platform, Products, and/or Services problems with, or proposed modifications or improvements to the Platform, Products, and/or Services ("Feedback"), then you hereby grant the Company an unrestricted, perpetual, irrevocable, non-exclusive, fully-paid, royalty-free right to exploit the Feedback in any manner and for any purpose, including to improve the Platform, Products, and Services and create other products and services.

8 Legal and Financial Disclaimer.

8.1 Informational Purpose; No Professional Advice. The Platform, including any content available through the Learning Center, blog posts, FAQs, and any other informational materials provided on or through the Platform (collectively, the "Informational Content"), is provided for informational and educational purposes only. The Informational Content does not constitute legal, financial, tax, or other licensed professional advice. You acknowledge and agree that the Company is not liable for any actions taken or decisions made based on the Informational Content.

BY USING THE PLATFORM, YOU ACKNOWLEDGE AND AGREE THAT THE COMPANY DOES NOT PROVIDE LEGAL, FINANCIAL, TAX, OR OTHER LICENSED PROFESSIONAL ADVICE. NOTHING STATED OR POSTED ON THE PLATFORM IS INTENDED TO BE, AND MUST NOT BE TAKEN TO BE, THE PRACTICE OF LAW OR ANY OTHER LICENSED PROFESSIONAL SERVICE. THE INFORMATIONAL CONTENT IS NOT A SUBSTITUTE FOR THE ADVICE OF A QUALIFIED ATTORNEY OR FINANCIAL ADVISOR.

8.2 No Attorney-Client Relationship. Nothing on the Platform, and nothing arising from your use of the Platform or the Company's services, shall be construed as creating an attorney-client relationship, a fiduciary relationship, or any other professional relationship between you and the Company. All decisions regarding your legal claim, including litigation strategy, settlement, and representation, remain solely with you and your attorney. The Company has no authority over, and makes no representations regarding, the prosecution, value, outcome, or timeline of your legal claim.

8.3 Not a Loan; No Credit Product; No APR. The cash advance provided through the Platform is not a loan, is not a credit product, and does not involve the extension of credit. The Company is not a bank, lender, or financial institution. Any advance provided through the Platform is a contingent, non-recourse transaction payable solely from the proceeds of your legal claim, if any, and solely in accordance with the terms of the Agreement. This Agreement does not involve the charging of interest or the calculation or disclosure of an annual percentage rate ("APR"). Any repayment amount payable under the Agreement is contingent solely upon the existence of proceeds from your legal claim and is not owed if no recovery is obtained.

8.4 User Acknowledgments. By using the Platform and executing the Agreement, you expressly acknowledge and agree that: (a) the cash advance provided is not a loan and does not involve the extension of credit;(b) the Company has no obligation to provide additional advances beyond those set forth in the Agreement; (c) if proceeds are obtained from your legal claim, the repayment amount payable to the Company may exceed the amount of the advance you received; (d) as a result of the Agreement, you may receive a reduced net recovery from your legal claim; (e) the Company has not provided, and will not provide, legal, tax, or financial advice in connection with the Agreement or your legal claim; (f) you have been advised to seek independent legal counsel and have had a reasonable opportunity to do so prior to executing the Agreement; (g) you are entering into the Agreement knowingly, voluntarily, and without coercion or undue influence; (h) the Company has not made any promises regarding the outcome, value, or timing of your legal claim; and (i) the Company is not required to comply with consumer lending laws applicable to loans or credit products because the Cash Advance Agreement is a contingent, non-recourse transaction payable solely from proceeds, if any.

8.5 Independent Counsel. You are strongly encouraged to consult with independent legal counsel and, if desired, a financial advisor, before executing the Agreement or taking any action in connection with your legal claim. You further acknowledge that you have had a reasonable opportunity to do so prior to executing the Agreement and using the Platform. You are also encouraged to compare the terms of the Agreement with terms offered by other litigation funding providers before executing the Agreement.

8.6 No Guarantee of Additional Funding. The Company has no obligation to provide any advance beyond what is expressly set forth in the Agreement. Access to the Platform and receipt of an Access Code does not constitute a commitment by the Company to fund any advance, and the Company reserves the right to decline to enter into an Agreement with any User at any time prior to execution.

8.7 Jurisdiction; Availability. The Platform is operated by the Company in accordance with the laws of the State of Florida. Legal funding regulations vary by state and jurisdiction, and the Platform and the Company's services may not be available in all jurisdictions. The Company makes no representation that the Platform or its services are appropriate or available for use in any particular jurisdiction. It is your responsibility to ensure that your use of the Platform complies with all applicable laws in your jurisdiction.

8.8 Accuracy of Informational Content. The Informational Content available on the Platform is provided in good faith and is believed to be accurate as of the date of publication. However, the Company makes no representations or warranties as to the accuracy, completeness, or currentness of the Informational Content. Laws, regulations, and legal funding practices vary by jurisdiction and are subject to change. The Company has no obligation to update any Informational Content and shall not be liable for any errors, omissions, or inaccuracies contained therein.

WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE ACCURACY, COMPLETENESS, OR APPROPRIATENESS OF THE INFORMATIONAL CONTENT FOR ANY PURPOSE. THE USE OF ANY INFORMATIONAL CONTENT PROVIDED THROUGH THE PLATFORM IS SOLELY AT YOUR OWN RISK.

8.9 No Guarantees; Individual Results May Vary. You acknowledge and agree that the Company makes no guarantees, representations, assurances, or warranties regarding any specific outcome or result from your use of the Platform or the Product, including but not limited to the outcome, value, or timeline of your legal claim. The Company accepts no responsibility or liability for any losses, damages, or adverse results stemming from your use of the Platform or reliance on any Informational Content provided thereon. Individual outcomes will vary based on numerous factors outside the Company's control, including but not limited to the facts and circumstances of your legal claim, applicable law, and the decisions of your attorney. Any examples, case descriptions, or other illustrative information provided on the Platform are for informational purposes only and are not guarantees that you will achieve the same or similar result. No information, content, or materials provided on the Platform should be construed as a promise of any specific outcome.

9 Modification of these Terms. We may, from time to time, change these Terms unilaterally. Changes will apply only on a going-forward basis, and any disputes arising under these Terms will be resolved in accordance with the version of these Terms that was in effect at the time the dispute arose. Please check these Terms periodically for changes. If you do not agree to the modified Terms, you may terminate your Account prior to the effective date of the revised Terms by contacting info@claimbridge.com to terminate your Account. For clarity, except where required by applicable law, all fees paid are non-refundable, and no refunds or credits will be issued for any unused or remaining Products and/or Services, including in connection with any modification of these Terms.

10 Term, Termination and Modification of the Platform and Service.

10.1 Term. These Terms are effective beginning when you accept the Terms or, access, or use the Platform, and ending when terminated as described in Section 10.2.

10.2 Termination. If you violate any provision of these Terms, your authorization to access the Platform and these Terms automatically terminate. In addition, Company may, at its sole discretion, terminate these Terms or your Account on the Platform, or suspend or terminate your access to the Platform, at any time for any reason or no reason, with or without notice. You may terminate your Account and these Terms at any time by contacting customer service at info@claimbridge.com

10.3 Effect of Termination. Upon termination of these Terms: (a) your rights to use the Platform will terminate and you must immediately cease all use thereof; (b) you will no longer be authorized to access your Account or the Platform; (c) you must pay the Company any unpaid amount that was due prior to termination, including costs and fees that arise due to your use of the Platform and/or any breach of these Terms; and (d) all payment obligations will survive the termination hereof. You also understand and agree that all terms and conditions hereof that require continued performance, compliance, or effect beyond the termination date of these Terms shall survive such termination date and shall be enforceable in the event of a failure to perform or comply.

10.4 Modification of the Platform. We reserve the right to modify or discontinue the Platform at any time (including by limiting or discontinuing certain features of the Platform), temporarily or permanently, without notice to you. Company will have no liability for any change to the Platform, Products, or Services or any suspension or termination of your access to or use of the Platform, Products, or Services. The availability of Content may change from time to time, and from geographic territory to territory. As a result, we do not guarantee that any Content will be available or remain available on the Platform.

11 Updates.

11.1 We may automatically update the Platform at our sole discretion, including but not limited when we want to improve performance, enhance functionality, reflect changes to the operating system or address security issues.

11.2 If you choose not to install such updates or if you opt out of automatic updates (if applicable) you may not be able to continue using the Platform.

12 Indemnification. To the fullest extent permitted by law, you are responsible for your use of the Platform, and you will defend and indemnify Company and its officers, directors, employees, consultants, affiliates, subsidiaries and agents (together, the "Company Entities") from and against every claim brought by a third party, and any related liability, damage, loss, and expense, including reasonable attorneys' fees and costs, arising out of or connected with: (a) your unauthorized use of, or misuse of, the Platform; (b) your violation of any section of these Terms, any representation, warranty, or agreement referenced in these Terms, or any applicable law or regulation; (c) your violation of any third party right, including any intellectual property right or publicity, confidentiality, other property, or privacy right; or (d) any dispute or issue between you and any third party. This indemnity includes, without limitation, any claims arising from or relating to (i) your reliance on information provided through the Platform, (ii) your participation in any activities outside the Platform (in connection with any information, Products, or Services obtained through the Platform), and (iii) any dispute or issue in connection with any published Platform information. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (without limiting your indemnification obligations with respect to that matter), and in that case, you agree to cooperate with our defense of those claims. This indemnification obligation shall not apply to the extent a claim arises from the Company's gross negligence, willful misconduct, or knowing violation of law.

13 DISCLAIMERS; NO WARRANTIES

THE PLATFORM AND ALL MATERIALS, CONTENT, PRODUCTS, AND SERVICES MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE PLATFORM ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, RELATING TO THE PLATFORM AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE PLATFORM, INCLUDING, WITHOUT LIMITATION: (A) ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (B) ANY WARRANTY ARISING OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE, OR TRADE.

THE COMPANY DOES NOT WARRANT THAT THE PLATFORM OR ANY MATERIALS, CONTENT, PRODUCTS, OR SERVICES OFFERED THROUGH THE PLATFORM AND/OR ANY SERVICE, WILL BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE, OR FREE OF ERRORS, DEFECTS, VIRUSES, OR OTHER HARMFUL COMPONENTS, OR THAT ANY SUCH ISSUES WILL BE CORRECTED. YOU ACKNOWLEDGE AND AGREE THAT TEMPORARY PLATFORM DOWNTIME, SERVICE INTERRUPTIONS, MALFUNCTIONS, BUGS, MAINTENANCE EVENTS, THIRD-PARTY FAILURES, OR OTHER TECHNICAL ISSUES MAY OCCUR FROM TIME TO TIME, AND THAT, IN SUCH EVENTS, FEATURES OR SERVICES PROVIDED THROUGH THE PLATFORM MAY BE DELAYED, MODIFIED, OR UNAVAILABLE.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE PLATFORM, THE PRODUCTS, THE SERVICES, THE COMPANY, OR ANY COMPANY ENTITY, OR FROM ANY MATERIALS OR CONTENT MADE AVAILABLE THROUGH THE PLATFORM, SHALL CREATE ANY WARRANTY OR REPRESENTATION NOT EXPRESSLY SET FORTH IN THESE TERMS. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE PLATFORM IS AT YOUR SOLE DISCRETION AND RISK, AND THAT THE COMPANY IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING COMPUTER SYSTEMS, MOBILE DEVICES, OR NETWORKS USED IN CONNECTION WITH THE PLATFORM) OR FOR ANY LOSS, CORRUPTION, OR UNAVAILABILITY OF DATA.

THE LIMITATIONS, EXCLUSIONS, AND DISCLAIMERS SET FORTH IN THIS SECTION APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. NOTHING IN THESE TERMS SHALL LIMIT OR EXCLUDE ANY WARRANTY, RIGHT, OR LIABILITY THAT CANNOT BE LAWFULLY DISCLAIMED UNDER APPLICABLE LAW.

14 LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, OR REPRESENTATIVES (COLLECTIVELY, THE "COMPANY ENTITIES") BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, USE, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE PLATFORM, PRODUCTS, SERVICES, OR ANY MATERIALS OR CONTENT MADE AVAILABLE THROUGH THE PLATFORM, OR ANY THIRD-PARTY PLATFORM, INTEGRATION, OR SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ANY COMPANY ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF THE COMPANY ENTITIES TO YOU FOR ALL CLAIMS, DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING OUT OF OR RELATING TO THE PLATFORM, PRODUCTS, SERVICES, ANY THIRD-PARTY PLATFORM OR INTEGRATION, OR OTHERWISE UNDER THESE TERMS (INCLUDING ANY INABILITY TO USE THE FOREGOING), WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, SHALL NOT EXCEED, IN THE AGGREGATE, THE GREATER OF: (A) THE TOTAL AMOUNTS ACTUALLY PAID BY YOU TO COMPANY FOR THE APPLICABLE PRODUCTS OR SERVICES GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (US $100.00). FOR CLARITY, MULTIPLE CLAIMS SHALL NOT EXPAND THIS LIMITATION, AND ALL CLAIMS ARISING FROM THE SAME OR RELATED FACTS, EVENTS, OR TRANSACTIONS SHALL BE TREATED AS A SINGLE CLAIM.

EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED TO, AND DOES, ALLOCATE THE RISKS BETWEEN THE PARTIES UNDER THESE TERMS. THIS ALLOCATION OF RISK IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES, AND THE FEES CHARGED BY COMPANY REFLECT THIS ALLOCATION. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS, AND THE LIMITATIONS SET FORTH IN THIS SECTION 14 SHALL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

15 Dispute Resolution and Arbitration

15.1 Generally. In the interest of resolving disputes between you and the Company in the most expedient and cost-effective manner, and except as described in Section 15.2 and 15.3, you and the Company agree that every dispute arising in connection with these Terms will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. This agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of these Terms, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND THE COMPANY ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

15.2 Exceptions. Despite the provisions of Section 15.1, nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court (although all disputes for amounts for $8,000.00 or less must be submitted first to non-binding mediation in Palm Beach County, Florida (JAMS Rules)); (b) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law in aid of arbitration; or (d) to file suit in a court of law to address an intellectual property infringement claim.

15.3 Opt-Out. If you do not wish to resolve disputes by binding arbitration, you may opt out of the provisions of this Section 15 within thirty (30) days after the date that you agree to these Terms by sending an email to info@claimbridge.com that specifies: your full legal name, the email address associated with your Account on the Platform (if applicable), and a statement that you wish to opt out of arbitration ("Opt-Out Notice"). Once the Company receives your Opt-Out Notice, this Section 15 will be void and any action arising out of these Terms will be resolved as set forth in Section 16.3. The remaining provisions of these Terms will not be affected by your Opt-Out Notice.

15.4 Arbitrator. Any arbitration between you and the Company will be settled under the Federal Arbitration Act and administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules or, if applicable, its Commercial Arbitration Rules, as determined by the AAA (collectively, "AAA Rules") as modified by these Terms. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement.

15.5 Mandatory Informal Pre-Suit Resolution Process. A party who intends to seek arbitration must first send a written notice of the dispute to the other party by certified U.S. Mail or by Federal Express (signature required) or, only if that other party has not provided a current physical address, then by electronic mail ("Notice"). The Company's email address for Notice is: info@claimbridge.com with the subject Notice for Arbitration. The Notice must include: (a) your full name; (b) your address; (c) your telephone numbers, (d) the nature and basis of the claim or dispute; and (e) the specific relief sought ("Demand"). The parties will make good faith efforts to resolve the claim directly for a period of at least sixty (60) days from the date of the Notice in an effort to resolve the dispute without the need for formal proceeding. If Company requests a telephone conference with you in an effort to resolve the dispute, you agree to personally participate, with your legal representative if you have legal representation. Compliance with this Mandatory Informal Pre-Suit Resolution Process is a condition precedent to moving forward with any arbitration proceedings; provided, however, that this requirement shall not apply to claims properly brought in small claims court pursuant to Section 15.2. The parties acknowledge and agree that any action commenced in court or arbitration prior to exhausting the Notice process shall be defective and subject to dismissal at the cost of the party found to have prematurely brought a formal proceeding outside this Mandatory Informal Pre-Suit Resolution Process. The statute of limitation and any filing fee dates shall be tolled while the parties engage in this process. A court shall have the authority to enjoin the filing of any arbitration proceeding concerning a claim without first providing a Notice or otherwise participating in the good faith Mandatory Informal Pre-Suit Resolution Process.

15.6 Arbitration Process. If the parties do not reach an agreement after the Mandatory Informal Pre-Suit Resolution Process, you or the Company may commence an arbitration proceeding. All arbitration proceedings between the parties will be confidential unless otherwise agreed by the parties in writing. During the arbitration, the amount of any settlement offer made by you or the Company must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. If the arbitrator awards you an amount higher than the last written settlement amount offered by Company in settlement of the dispute prior to the award, we will pay to you the higher of: (i) the amount awarded by the arbitrator; or (ii) Ten Thousand ($10,000.00) Dollars.

15.7 Fees. If you commence arbitration in accordance with these Terms, Company will reimburse you for your payment of the filing fee, unless your claim is for more than Ten Thousand ($10,000.00) Dollars, in which case the payment of any fees will be decided by the AAA Rules. Any arbitration hearing will take place at a location to be agreed upon in Palm Beach County, Florida but if the claim is for Ten Thousand ($10,000.00) Dollars or less, you may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a non-appearance based telephone hearing; or (c) by an in-person hearing as established by the AAA Rules in the county (or parish) of your billing address. If the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules. In that case, you agree to reimburse the Company for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within fourteen (14) days of ruling on the merits.

15.8 No Class Actions. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and the Company agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

15.9 Modifications to this Arbitration Provision. If we make any future change to this arbitration provision, other than a change to the Company's address for Notice of Arbitration, you may reject the change by sending us written notice within thirty (30) days of the change to the Company's address for Notice of Arbitration, in which case your Account with the Company will be immediately terminated and this arbitration provision, as in effect immediately prior to the changes you rejected will survive.

15.10 Enforceability. If Section 15.8 or the entirety of this Section 15 is found to be unenforceable, or if the Company receives an Opt-Out Notice from you, then the entirety of this Section 15 will be null and void and, in that case, the exclusive jurisdiction and venue described in Section 16.3 will govern any action arising out of or related to these Terms.

16 Miscellaneous.

16.1 Privacy Policy. Your use of the Platform is subject to the Company's Privacy Policy, which is incorporated herein by reference. By using the Platform, you consent to the collection, use, and processing of your information as described in the Privacy Policy. You understand that through your use of the Platform you consent to the collection and use of your information, including the transfer of such information to the United States and/or other countries for storage, processing, and use by the Company and its affiliates.

16.2 General Terms. These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference into these Terms, are the entire and exclusive understanding and agreement between you and the Company regarding your use of the Platform. You may not assign or transfer these Terms or your rights under these Terms, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign these Terms at any time without notice or consent. The failure to require performance of any provision will not affect our right to require performance at any other time after that, nor will a waiver by us of any breach or default of these Terms, or any provision of these Terms, be a waiver of any subsequent breach or default or a waiver of the provision itself. Use of section headers in these Terms is for convenience only and will not have any impact on the interpretation of any provision. Throughout these Terms the use of the word "including" means "including but not limited to". If any part of these Terms is held to be invalid or unenforceable, the unenforceable part will be given effect to the greatest extent possible, and the remaining parts will remain in full force and effect.

16.3 Governing Law. These Terms are governed by the laws of the State of Florida, United States of America, without regard to conflict of law principles. You and the Company submit to the personal and exclusive jurisdiction of the state courts and federal courts located within Palm Beach County, Florida for resolution of any lawsuit or court proceeding permitted under these Terms. Our Platform is not subject to the laws or jurisdiction of any state, country, or territory other than that of the United States. We do not represent or warrant that our Platform, or any part thereof, is appropriate or available for use in any particular jurisdiction. Those who choose to access our Platform do so on their own initiative and at their own risk, and are responsible for complying with all applicable laws, rules, and regulations. We may limit the availability of our Platform, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and in our sole discretion.

16.4 Statute of Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Platform or these Terms must be filed within one (1) year after such claim or cause of action arose or will be forever barred.

16.5 Privacy Policy; Cookie Policy. In connection with your access to the Platform and use of the service, you expressly agree to our Privacy Policy and our Cookie Policy. Please read the Privacy Policy and Cookie Policy carefully in order to learn more about how we use information we collect from you when you access, visit, or use the Platform. The Privacy Policy and Cookie Policy are part of and is governed by these Terms and by agreeing to the Terms, you agree to be bound by the terms of the Privacy Policy and Cookie Policy, and you agree that we may use information collected from you in accordance with the Privacy Policy and Cookie Policy.

16.6 Additional Terms. Your use of the Platform is subject to all additional terms, policies, rules, or guidelines applicable to the Platform or certain features of the Platform that we may post on or link to from the Platform, Products, or Services (the "Additional Terms"). All Additional Terms are incorporated by this reference into, and made a part of, these Terms.

16.7 Security Protocols. You understand that the Platform and software embodied within the Platform may include security components that permit digital materials to be protected, and that use of these materials is subject to usage rules set by us and/or content providers who provide content to the Platform. You may not attempt to override or circumvent any of the usage rules embedded into the Platform. Any unauthorized reproduction, publication, further distribution, or public exhibition of the materials provided on the Platform, in whole or in part, is strictly prohibited.

16.8 Consent to Electronic Communications. By using the Platform, Products, and/or Services, you acknowledge and agree that you are contracting with Company electronically, and that we may provide you with any and all notices and disclosures in electronic format (e.g., via e-mail or via the Platform). Any notice, disclosure, agreement, acknowledgment, form, consent, statement, policy, record, document, preference, privacy policy, or other information we provide to you, or that you submit, agree to, or sign at our request (each, a "Communication") will be provided in electronic form and will be provided either: (1) via e-mail or text message or (2) via the Platform. Company may use third-party service providers, messaging platforms, or marketing automation systems to send Communications on its behalf. These providers may transmit messages from their systems rather than directly from Company. You consent to receive communications from the Company by email and through the Platform regarding your Account, your transaction, required disclosures, customer support, and other operational and servicing matters. You agree that electronic communications provided pursuant to these Terms satisfy any legal requirement that such communications be in writing. You agree that we may use any email address or telephone number you provide as set forth here, now or in the future, including mobile phone numbers. You also agree that we may monitor and record calls regarding your Account to ensure the quality of our service or for other reasons.

16.9 Contact Information. The Platform is offered by Claim Bridge Capital, LLC. You may contact us by emailing us at info@claimbridge.com

16.10 Notice to California Residents. If you are a California resident, under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210 in order to resolve a complaint regarding the Platform or to receive further information regarding use of the Platform. For more information, please also read our Notice to California Residents.

16.11 No Support. We are under no obligation to provide support for the Platform. In instances where we may offer support, the support will be subject to published policies.

16.12 Force Majeure. The Company shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including, but not limited to, acts of God, natural disasters, fire, flood, pandemic, epidemic, government action, labor disputes, internet or hosting failures, cyberattacks, power outages, supply chain distributions, or failures of third-party service providers.

16.13 Independent Effect. Each disclaimer and limitation of liability set forth in these Terms is intended to operate independently, and if any provision is found unenforceable, the remaining disclaimers and limitations shall remain in full force and effect.

16.14 International Use. The Platform is hosted from the State of Florida, United States of America and is intended for Users located within the United States. We make no representation that the Platform is appropriate or available for use outside of the United States. Access to the Platform from countries or territories or by individuals where such access is illegal is prohibited.

16.15 Communications; Email, SMS and Telephone. By providing your email address and/or mobile phone number to the Company, you expressly consent to receive email and/or text (SMS or MMS) communications from the Company regarding your Account, transactions, service updates, and other operational communications. Where permitted by law, the Company may also send marketing or promotional messages about products, services, or features that may be of interest to you. The Company will not send marketing or promotional messages using an automatic telephone dialing system or prerecorded messages without obtaining any additional consents required by applicable law at the time such messages are sent. Your consent to receive marketing text messages is not a condition of purchasing any goods or services. Message frequency may vary, and standard message and data rates may apply depending on your wireless carrier and plan. The Company makes no representation as to timeliness, completeness, or accuracy, and disclaims any liability arising from reliance on such communications. You may opt out of marketing text messages at any time by replying STOP to any message or by contacting the Company. After opting out, you may receive a final confirmation message acknowledging your request. Please note that revoking your consent may limit your ability to use certain features of the Platform where electronic communications are necessary to complete transactions or access services. Wireless carriers and third-party messaging providers are not responsible for delayed or undelivered messages, and delivery is subject to network availability. You may unsubscribe from email communications at any time by following the unsubscribe instructions in the messages you receive, or by contacting the Company using the information provided under the Contact Information section. We will process your request as soon as practicable after receipt, in accordance with applicable laws. Note that you will continue to receive transaction-related emails regarding products or services you have requested. Company may also send you certain non-promotional communications regarding the Company and the Platform, to the extent permitted by law, you will not be able to opt-out of those communications (e.g., communications regarding updates to our Terms of Service or this Privacy Policy). You agree that Company may monitor or record calls with you for quality assurance, training, security, or operational purposes, subject to applicable law.