YOU ARE ENTERING A BINDING, WRITTEN AGREEMENT, AS ENFORCEABLE AS A SIGNED PAPER CONTRACT. DO NOT PROCEED IF YOU DO NOT FULLY UNDERSTAND AND AGREE TO ALL OF THE TERMS BELOW, WITHOUT RESERVATION. BY LOGGING INTO OR MAKING ANY USE OF THE BIGDIALS.COM WEBSITE OR PLATFORM, BY CLICKING TO CONFIRM CONSENT, BY AFFIXING AN ELECTRONIC SIGNATURE, OR OTHERWISE ASSENTING TO THESE TERMS, YOU BIND YOURSELF INDIVIDUALLY, ALONG WITH YOUR COMPANY/ORGANIZATION, TO THE BELOW TERMS. YOU AGREE TO DO BUSINESS WITH US ELECTRONICALLY, BUT YOU MAY OPT OUT LATER. A COPY OF THESE TERMS WILL BE KEPT IN A MANNER THAT YOU CAN DOWNLOAD, COPY OR REQUEST FROM US LATER. YOU AGREE THAT YOUR ENTERING YOUR INFORMATION INTO OUR WEBSITE AND CLICKING TO AGREE/PROCEED SHALL CONSTITUTE YOUR ELECTRONIC SIGNATURE.

These Terms of Service (the “Agreement”) constitute a binding agreement between Gold Standard Insurance LLC, a Florida limited liability company doing business as BigDials (“BigDials” or “Company”), and the insurance agency, producer, or other business subscriber accepting these terms (“Client”). This Agreement governs access to the services offered through bigdials.com, related checkout and onboarding processes, and the Company-provisioned dialing and lead-access systems (collectively, the “Services”). By completing checkout, affirmatively accepting this Agreement, or using the Services, Client agrees to its terms. The person accepting on behalf of an entity represents that the person has authority to bind that entity.

1. SERVICES AND NATURE OF RELATIONSHIP

1(a) Subscription Services.

BigDials provides a business subscription consisting of access to a shared pool of final-expense and other life-insurance prospect data (“Leads”), access to a predictive dialing platform currently supplied by independent vendor ReadyMode, campaign-management functionality, caller-identification telephone numbers provisioned by BigDials through ReadyMode for Client’s campaign use, onboarding resources, and related technical support. Company may change technology providers, Lead suppliers, and operating systems so long as the essential nature of the purchased Services remains substantially consistent. BigDials is independent of, and is not owned or endorsed by, ReadyMode.

1(b) Shared and Aged Leads.

Leads are obtained from independent data suppliers, generators, brokers, publishers, and aggregators (“Lead Suppliers”). They are nonexclusive, may have been marketed or called by others, and may on occasion be old, inaccurate, disconnected, reassigned, duplicated, unavailable, or no longer associated with a consumer interested in insurance. Lead fields may include name, address, date of birth, telephone number, and available inquiry or consent indicators. Some Leads may reflect an online insurance inquiry or telephone-contact opt-in; others may not. Consumer-facing disclosures generally do not identify Client, its producers, or its carriers by name. Company does not represent that every Lead includes brand-specific consent or that every Lead may lawfully be called.

1(c) Unlimited Access.

“Unlimited” Lead access means that subscribers do not pay separately for each Lead in the available shared database. It does not promise unlimited unique records, exclusivity, replenishment in any state, contactable consumers, or unlimited calling capacity. Access is subject to inventory, reasonable technical limits, security, compliance restrictions, and this Agreement.

1(d) Independent Business.

Client, not BigDials, is the seller of insurance and the party directing and conducting Client’s calling and sales campaigns. BigDials is a technology and data-access provider, not Client’s insurance carrier, broker of record, producer, compliance officer, legal counsel, or guarantor of the legality of any call. Client and its personnel are independent of Company and are not authorized to bind it. Nothing in this Agreement disclaims a nonwaivable legal obligation independently applicable to Company.

2. PRICING, ACTIVATION AND RECURRING BILLING

2(a) Fees.

The one-time setup fee is $100. The weekly subscription fee is $249. The initial checkout charge is $349, comprising the $100 setup fee and first $249 weekly subscription payment. Following activation, the subscription automatically renews at $249 every seven (7) days until canceled. There is no minimum term beyond the initial paid week and no cancellation fee. Client expressly authorizes Company and its payment processor to charge the payment method supplied for these amounts and any applicable taxes.

2(b) Activation and Billing Start.

The initial $349 is charged at checkout. The first seven-day subscription period begins when BigDials activates Client’s dialer account and provides access credentials. Subsequent weekly charges begin seven days after activation and recur every seven days. No additional weekly subscription charge will occur before activation. Client must timely provide licensed-state information, authorized-user information, and other reasonably required onboarding details. Activation may be delayed for missing information or technical or compliance concerns. If Company cannot provide the purchased Services, applicable law governs any required refund or remedy.

2(c) Pricing Changes.

Failed Payments. Company may change pricing prospectively with advance notice as required by applicable law and payment-network rules; no change retroactively increases an accrued charge. Where additional consent is legally required, Company will obtain it. Company may suspend Services for declined or overdue charges and may retry authorized payments as permitted by law. Client remains responsible for accrued fees and taxes other than taxes on Company’s net income.

3. CANCELLATION, REFUNDS AND BILLING DISPUTES

3(a) Cancellation.

Client may cancel at any time using the online cancellation method made available by BigDials or by contacting support through the contact method provided on the website or purchase confirmation. A cancellation request is effective upon receipt, subject to reasonable verification of account ownership and applicable law, and prevents future recurring charges. Client should submit the request before the next scheduled billing transaction. Access ordinarily continues through the paid period unless earlier terminated for material breach or legal/security reasons. Cancellation does not itself entitle Client to a refund.

3(b) Nonrefundable Fees.

The setup fee and weekly subscription fees are nonrefundable except where required by law or expressly approved by Company. No prorated refund ordinarily applies for unused time, failure to log in or call, low activity, failure to make sales or commissions, conversion dissatisfaction, cessation of insurance business, failure to cancel before renewal, or Lead responsiveness/interest where the Services were delivered as described. Company may grant discretionary credits, extensions, or refunds without creating a continuing obligation. Nothing limits remedies mandated by law for unauthorized charges or Services not delivered.

3(c) Billing Questions.

Client should promptly notify Company of a suspected billing error or unauthorized transaction and reasonably cooperate in the investigation. Company may submit checkout authorizations, activation records, payment records, and usage information in responding to disputes. Nothing waives Client’s lawful payment-card or financial-institution dispute rights.

4. ACCOUNT CONFIGURATION, LICENSING AND USER ACCESS

4(a) Licensed-State Configuration.

Client must identify and keep current every state in which Client and its relevant producers are properly licensed, appointed, registered, and otherwise authorized to solicit and sell the contemplated insurance products. BigDials will initially configure Client’s ReadyMode account to restrict available Lead geography/campaign calling to the states Client identifies as authorized. These settings are an administrative control, not a legal determination or guarantee of compliance.

Client must immediately notify Company of any suspension, expiration, restriction, or change in licensing or appointment; must independently verify each call is permitted; and must not circumvent or attempt to defeat state restrictions. Company may further restrict geography or access in its discretion for compliance risk.

4(b) Authorized Users.

Access is limited to Client and personnel, producers, employees, and contractors expressly authorized by Client and permitted under its subscription (“Authorized Users”). Client is responsible for their conduct, credentials, scripts, calls, use of provisioned caller-ID numbers, dialing settings, records, and compliance, and will require them to observe this Agreement. Credentials may not be shared with unauthorized persons or used for unauthorized agencies or campaigns.

4(c) Insurance Activities.

Client warrants that it and all persons who solicit, negotiate, quote, or sell insurance possess required licenses, appointments, registrations, and authority in each relevant jurisdiction. Client is solely responsible for carrier rules, product suitability, advertising, scripts, insurance disclosures, applications, sales, and compliance with insurance-specific laws. Access restrictions do not replace independent verification of licensing and permitted activity.

4(d) Caller-ID Numbers.

BigDials will arrange for ReadyMode to provision telephone numbers for use as Client’s outbound caller identification in the subscribed dialing account. Such numbers are made available for Client’s authorized use during its active subscription; they are not sold or assigned to Client, and Client acquires no ownership, permanent right of use, or right to port or transfer them unless BigDials and the applicable provider expressly agree in writing. Availability, assignment, replacement, and continued use are subject to carrier and platform requirements. Client is responsible for selecting and using caller-ID numbers lawfully, providing accurate caller and seller identification, making required oral disclosures, and avoiding misleading or spoofed identification. BigDials may replace, suspend, or withdraw a number where reasonably necessary for compliance, carrier/platform requirements, spam-labeling or reputation concerns, or account administration. Provisioning a number does not establish that any particular call is lawful or that a carrier will authenticate, complete, or refrain from labeling it. Client shall not use any provisioned number after access ends.

5. PREDICTIVE DIALING AND TECHNOLOGY RESTRICTIONS

5(a) Actual Dialing Functionality.

ReadyMode is a predictive, multiline dialing platform that may initiate calls to as many as four telephone lines simultaneously, depending on its configuration. The Parties acknowledge that the classification of particular dialing technology under the federal Telephone Consumer Protection Act (“TCPA”), including the definition of an automatic telephone dialing system (“ATDS”) as interpreted in Facebook, Inc. v. Duguid and subsequent decisions, depends on the technology and applicable law. Company does not represent that the platform is a manual dialer, that it is or is not an ATDS for every legal purpose, or that its use is lawful in every jurisdiction or circumstance. Client shall conduct and rely upon its own legal assessment of the technology, its configuration, the applicable federal and state requirements, and the consent or other authority necessary for Client’s intended calling practices. Company’s furnishing or configuring the platform does not constitute legal advice or a compliance determination.

5(b) Abandonment Controls.

BigDials currently intends to configure the predictive dialer with a maximum 3% abandoned-call setting. A software setting is not a guarantee that the actual abandonment rate complies with law, and the 3% threshold is not a stand-alone safe harbor. Client must monitor actual rates for each campaign and applicable measurement period, ensure required connection to live agents, ring time, identification, recordkeeping, and any legally required limited informational recording when an agent is unavailable, or disable/adjust predictive dialing if those requirements cannot be satisfied. No general prerecorded sales message or artificial/AI voice is authorized. Where a legally required abandonment identification recording conflicts with Client’s no-recording configuration, Client must use a configuration that avoids abandoned calls or otherwise comply with applicable law; Client may not assume the 3% setting cures that conflict.

5(c) Prohibited Technologies and Changes.

Client shall not use the Services to deliver prerecorded sales messages, artificial or AI-generated voice calls, automated SMS/MMS, or other messaging functionality not expressly enabled and authorized by Company. Company does not presently offer SMS through this subscription. Any future SMS feature requires separate written authorization, appropriate consent and opt-out controls, and any additional terms. Client shall not change dialing modes, call-concurrency limits, caller-ID settings, abandonment safeguards, state restrictions, or other compliance configurations in a manner that violates law or Company instructions.

5(d) Third-Party Platforms.

ReadyMode, carriers, networks, hosting services, and other technology providers are independent parties. Company does not guarantee uninterrupted availability, particular call throughput, or error-free service. Company will use commercially reasonable efforts to address interruptions within its control and may consider discretionary credits or extensions for material failures, subject to applicable law.

6. LEAD CONSENT, DO-NOT-CALL AND CLIENT CALLING COMPLIANCE

6(a) No Consent or Legality Warranty.

Company will use commercially reasonable efforts to acquire Leads from suppliers that represent they have lawful rights to collect and distribute the data. However, Company makes no independent representation that any particular Lead carries valid consent for Client, that a specific insurance seller or carrier was named in an online disclosure, or that a call is permitted because the consumer made a prior inquiry, provided a consent certificate, or appears in the shared database. Any supplier-provided consent or inquiry information is informational and may be incomplete, outdated, disputed, or inapplicable to Client’s proposed contact method. Client independently bears responsibility for determining, documenting, and preserving a lawful basis before each call, including whether its use of predictive dialing requires consent under the TCPA or applicable state law. Client shall not assume that a Lead’s inclusion in the database or Company’s provision of ReadyMode establishes the requisite consent or other exemption.

6(b) DNC and Revocation.

Before calling, Client shall check Leads against the National DNC Registry, applicable state DNC lists, and Client’s internal and otherwise applicable entity-specific suppression lists, unless Client has a valid, documented exception for the specific seller and call. Client shall not assume a third-party supplier’s inquiry establishes an EBR with Client or creates a transferable DNC exemption. Client shall promptly honor and document consumer opt-outs, revocations, wrong-number notices, and requests not to be called; maintain written DNC policies and personnel training; and notify Company promptly of suppression information relevant to the shared Lead pool through the designated compliance contact. Company may apply broader suppression rules without assuming Client’s duties.

6(c) Calling Practices.

Client is responsible for all calling times and local-time restrictions; state-specific telemarketing registration and bonding; state-of-emergency and holiday restrictions; required caller ID and oral disclosures; scripts; consent and recording/monitoring notices; restrictions on call frequency and harassment; reassigned-number risks; dialing practices; and other applicable TCPA, TSR, FCC, state telemarketing, consumer-protection, and insurance laws. Client shall identify itself and the applicable insurance seller accurately and shall not suggest that a Lead supplier’s name substitutes for legally required seller identification.

6(d) No Reliance on Platform Settings.

Company may initially configure Client’s ReadyMode account to limit calling to states identified by Client as jurisdictions in which Client and its producers are licensed, and may establish dialing, abandonment, or other technical settings. These are operational controls, not a legal review or assurance of compliance. Client must verify and continuously monitor its own licenses, appointments, permitted calling territories, campaign parameters, dialer configuration and performance, DNC suppression, consent and exemptions, calling hours, caller identification, and all other applicable requirements. Client shall independently perform all required federal, state, and entity-specific DNC scrubbing before initiating calls, unless it has established and documented a legally valid exception for the particular call and seller. Client may not rely on Company’s initial settings, the platform’s capabilities, or the absence of a technical restriction as authorization to place any call. Client shall promptly correct or suspend any campaign or calling practice that may be unlawful.

6(e) Records and Documentation.

Client shall preserve for at least five years, or longer as law requires, records reasonably sufficient to establish compliance, including calling logs, dispositions, campaign identifiers, dialer configurations and abandonment reports, consent/EBR evidence on which Client relied, DNC scrub dates and results, opt-outs, scripts, caller IDs, call-recording disclosures, licenses, and complaints. Company may provide or seek from suppliers available source URLs, dates, consent indicators, TrustedForm or similar records, but does not guarantee their availability, completeness, sufficiency, or delivery by any particular date.

6(f) Complaints and Cooperation.

Client shall notify Company promptly and in no event later than two business days after learning of any material consumer legal demand, threatened or filed claim, subpoena, civil investigative demand, carrier complaint, regulatory inquiry, investigation, or lawsuit relating to the Services, a Lead, or calls made through the platform. Client shall preserve evidence, cooperate in the response, furnish records reasonably requested, and refrain from admissions on Company’s behalf. Company may disclose records as reasonably necessary for lawful investigation, defense, supplier coordination, or regulatory response.

7. DATA USE, PRIVACY AND SECURITY

7(a) Limited License.

During an active subscription, Client receives a revocable, limited, nonexclusive, nontransferable right to access available Leads solely for Client’s own lawful insurance prospecting in authorized states. Client shall not resell, sublicense, export in bulk, scrape, publish, enrich third-party databases, transfer to unrelated agencies, or otherwise monetize or disclose Leads except to Authorized Users acting for Client as permitted by law and this Agreement. Company and its licensors retain their intellectual property and data-access rights; no ownership of Leads is transferred.

7(b) Personal Information.

Lead data may include sensitive personal information such as dates of birth and other nonpublic consumer details. Client shall use only information reasonably necessary for lawful insurance prospecting, maintain commercially reasonable administrative, technical, and physical safeguards, restrict access on a need-to-know basis, and comply with applicable privacy, security, breach-notification, insurance-information, and disposal laws. Client shall not use Lead information for identity verification, credit, employment, or other unrelated purposes.

7(c) Security Incidents.

Client shall promptly, and where practicable within twenty-four hours of discovery, notify Company of actual or reasonably suspected unauthorized access, disclosure, export, or loss of Lead data, and cooperate in investigation, containment, remediation, notices, and preservation. Client bears costs caused by its breach, negligence, or misconduct.

7(d) Confidentiality.

Each party will protect the other’s nonpublic business, technical, pricing, supplier, and proprietary information using reasonable care and use it only for this Agreement. Ordinary exceptions apply for information independently developed, already lawfully known, public without breach, or lawfully received without duty. Disclosure may be made to counsel, insurers, vendors, regulators, or courts as reasonably necessary, subject to applicable safeguards.

8. AUDIT, SUSPENSION AND TERMINATION

8(a) Audit and Access.

On reasonable notice, or immediately when a material complaint, suspected breach, security incident, or regulatory inquiry warrants, Company may review reasonably relevant dialer settings, call logs, DNC records, license status, consent evidence, scripts, and other campaign records. Client will cooperate with Company and, as appropriate, applicable Lead Suppliers, carriers, platform providers, or regulators. Company may impose additional restrictions or controls where necessary to protect consumers, the platform, or Company.

8(b) Immediate Action.

Company may throttle, restrict, suspend, or terminate access immediately for nonpayment; unlawful or abusive calling; prohibited messaging or dialer configuration; misrepresentation of licenses; improper Lead sharing; excessive abandonment, opt-outs, complaints, or spam labeling; suspected fraud; security risk; regulatory or carrier concern; or material breach. Company may give notice and an opportunity to cure where practicable but need not delay action where risk is material. Fees lawfully accrued remain payable.

8(c) Effect of Termination.

Upon termination or expiration, Client shall stop using the Services, cease further use of Leads except as expressly permitted in writing or required by law, and securely delete or return Lead data in its possession to the extent legally permitted, while preserving records subject to retention or litigation-hold duties. Company will not initiate new weekly subscription charges after cancellation is effective. Provisions intended to survive, including data restrictions, recordkeeping, indemnification, liability limits, and dispute provisions, remain effective.

9. WARRANTIES, DISCLAIMER AND RESULTS

9(a) Client Warranties.

Client represents that it is a bona fide business subscriber; has authority to accept these terms; will use the Services only for authorized insurance business; has and will maintain required licenses and approvals; will independently establish the legal basis for every communication; will not use unlawful scripts, campaigns, dialing modes, or data practices; and will ensure compliance by all Authorized Users.

9(b) Disclaimer.

EXCEPT AS EXPRESSLY STATED, SERVICES AND LEADS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” COMPANY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, EXCLUSIVITY, CONTACTABILITY, CONSENT SUFFICIENCY, OR LEGAL COMPLIANCE OF CLIENT’S USE. COMPANY DOES NOT GUARANTEE ANSWER RATES, APPOINTMENTS, APPLICATIONS, POLICY ISSUANCE, COMMISSIONS, PROFITABILITY, OR RETURN ON INVESTMENT. TESTIMONIALS AND HISTORICAL RESULTS ARE NOT GUARANTEES. NOTHING EXCLUDES A WARRANTY OR REMEDY THAT CANNOT LAWFULLY BE DISCLAIMED. IN NO EVENT WILL COMPANY BE LIABLE FOR, OR PROVIDE ANY INDEMNITY RELATED IN ANY WAY TO, ANY TCPA OR OTHER PRIVACY OR TELEMARKETING-RELATED CLAIM AGAINST CLIENT.

10. CLIENT INDEMNIFICATION AND LIMITED COMPANY RESPONSIBILITY

10(a) Client Indemnity.

To the maximum extent permitted by law, Client shall indemnify, defend, and hold harmless Company, its affiliates, Lead Suppliers, platform and carrier partners (to the extent claims arise from Client’s conduct), and their respective owners, officers, directors, employees, contractors, agents, successors, and assigns (collectively, “Company Indemnitees”) from and against all third-party claims, consumer demands and demand letters, threatened or filed actions, class actions, arbitrations, subpoenas, civil investigative demands, administrative and regulatory investigations, carrier or platform proceedings, damages, statutory damages, fines, penalties, assessments, settlements, judgments, costs of investigation and response, reasonable attorneys’ fees, expert fees, and other reasonable expenses arising out of or relating to: (a) Client’s or any Authorized User’s use of Leads or Services; (b) calls, dialing, caller-ID number selection or use, scripts, voicemails, texts, emails, or other communications made or directed by Client, including alleged TCPA, TSR, FCC, federal or state DNC, telemarketing, abandonment, caller-ID, recording, privacy, or insurance-law violations; (c) Client’s failure to establish legally sufficient consent, an EBR, or other legal authority for a call; (d) opt-outs, suppression, calling-time, frequency, abandoned-call, or dialing-configuration violations; (e) licensing, appointment, insurance sales, advertising, or producer conduct; (f) unauthorized Lead disclosure, export, resale, data-security incident, or privacy violation; (g) Client’s breach, negligence, fraud, or misconduct; or (h) failure to preserve records or cooperate with a demand, subpoena, audit, or investigation. These duties include reasonable costs incurred in responding to a covered subpoena, demand, or investigation even when Company is not named as a defendant, to the extent permitted by law.

10(b) Exclusion for Company-Caused Liability.

Client is not required to indemnify Company to the extent a final, nonappealable determination finds the particular liability was caused solely by Company’s own willful misconduct or knowing violation of law and not by Client’s conduct. The parties acknowledge that contractual allocation does not extinguish duties independently imposed on Company by statute or regulation.

10(c) Company Indemnity.

Company does not undertake to defend or indemnify Client against TCPA, TSR, DNC, insurance, privacy, data-source, consent, supplier, carrier, or platform claims. Company may, in its discretion, seek supplier cooperation or recovery for an alleged upstream consent defect and may pass through amounts actually recovered and specifically attributable to Client after reasonable recovery expenses, but has no duty to pursue or fund such recovery. This section does not limit remedies that cannot lawfully be excluded.

10(d) Defense Procedure.

Client shall promptly provide information and funds reasonably necessary to defend a covered matter. Company may select counsel and control its own defense where its interests are implicated; Client will reimburse reasonable covered costs as incurred. No settlement may admit fault by, impose obligations on, or fail fully to release a Company Indemnitee without Company’s prior written consent. Notice delay excuses obligations only to the extent of material prejudice.

11. LIMITATION OF LIABILITY

11(a) Excluded Damages.

TO THE FULLEST EXTENT PERMITTED BY LAW, COMPANY SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOST PROFITS, COMMISSIONS, REVENUE, BUSINESS, DATA, OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY.

11(b) Aggregate Cap.

EXCEPT FOR COMPANY’S FRAUD, WILLFUL MISCONDUCT, OR LIABILITY THAT CANNOT LAWFULLY BE LIMITED, COMPANY’S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATING TO THE SERVICES OR THIS AGREEMENT SHALL NOT EXCEED THE SETUP AND SUBSCRIPTION FEES ACTUALLY PAID BY CLIENT TO COMPANY DURING THE THREE MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

11(c) Uncapped Client Obligations.

The preceding limitations do not limit Client’s payment obligations, indemnification, breach of data-use restrictions, confidentiality, data security, fraud, or willful misconduct, or Client’s liability for violations of Sections 4 through 8. The fees reflect this allocation of risk.

12. INTELLECTUAL PROPERTY AND NON-CIRCUMVENTION

12(a) Company and Vendor Rights.

BigDials and its licensors retain all rights in their respective names, trademarks, configurations, workflows, databases, software, training, and processes. ReadyMode and other third-party marks and technology remain their owners’ property. Client may not copy, reverse engineer, interfere with, or circumvent access restrictions except as permitted by nonwaivable law.

12(b) Supplier Relationships.

Client shall not use Company’s confidential supplier information to circumvent Company by directly soliciting a Lead Supplier first introduced to Client through the Services for substantially similar Lead access during the subscription and for twelve months afterward, to the extent enforceable. This does not restrict independently documented preexisting supplier relationships.

13. NOTICES, CHANGES AND GOVERNING LAW

13(a) Electronic Communications.

Client consents to electronic checkout disclosures, invoices, subscription notices, and operational communications. Notices may be sent to Client’s account email and to Company through the support or legal contact method posted on bigdials.com or supplied in the purchase confirmation. Client shall keep its contact details current.

13(b) Updates.

Company may update these Terms prospectively and will provide notice of material changes affecting existing subscriptions as required by law. Changes will not retroactively alter charges already incurred, and additional assent will be obtained when required.

13(c) Florida Law and Forum.

Florida law governs, without regard to conflict-of-laws rules, except where mandatory law provides otherwise. Subject to mandatory law, disputes shall be brought in a court of competent jurisdiction in Florida, where venue shall be proper.

13(d) General.

This Agreement, checkout disclosures, and any written subscription-specific addendum form the entire agreement regarding the Services. An addendum modifies legal-risk terms only if it expressly identifies the modified section and is accepted by Company. Client may not assign without Company’s consent; Company may assign to an affiliate or successor. Force majeure includes carrier and vendor outages and events beyond reasonable control. Invalid terms are severed without affecting the remainder. Nonenforcement is not waiver. Electronic assent is effective. Accrued obligations and provisions intended by nature to survive do so.