Terms of Service

1. Agreement to Terms & Binding Nature

By accessing, using, or registering for APEX Quote Online (the "Platform" or "Service"), operated by Apex Space Systems LLC ("Company," "we," "us," "our"), you enter into a legally binding agreement. These Terms of Service ("Terms"), together with our Privacy Policy and any other referenced policies, constitute the entire agreement between you and the Company regarding the Platform.

If you do not agree to these Terms in their entirety, you must immediately cease all use of the Platform and destroy any copies of materials you may have obtained. Continued access or use of the Platform after being notified of changes constitutes acceptance of the modified Terms.

These Terms are a contract. Breach of any provision may result in immediate account termination, legal action, and liability for damages.

2. Eligibility & Account Requirements

2.1 Age & Legal Capacity

You represent and warrant that you are at least 18 years of age (or the legal age of majority in your jurisdiction) and have the legal authority to enter into binding contracts. If you are using the Platform on behalf of a business, you represent that you have authority to bind that business to these Terms.

2.2 Account Accuracy & Responsibility

You agree to:

• Provide accurate, truthful, and complete information during registration
• Keep your account information current and accurate
• Maintain the confidentiality of your username, password, and authentication credentials
• Accept full responsibility for all activity occurring under your account, whether authorized or not
• Notify us immediately of any unauthorized access, breach, or security incident: contact@apexquote.online
• Not share login credentials with any unauthorized person or service

2.3 Prohibited Users

You may not use the Platform if you:

• Have been previously terminated from the Platform
• Are located in or subject to restrictions of an embargoed country
• Are listed on any government sanctions or restricted party list
• Are engaged in illegal activities or intend to use the Platform unlawfully
• Are unable to form legally binding contracts

3. Use License & Restrictions

3.1 Limited License Grant

Subject to full compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for managing your business operations, generating quotes, and using features included in your subscription tier. This is a license, not a sale of ownership.

3.2 Prohibited Activities

You agree NOT to:

• Reverse engineer, decompile, disassemble, or attempt to derive the source code, algorithms, or business logic of the Platform
• Copy, scrape, or extract data in bulk (except through authorized export features)
• Modify, adapt, translate, or create derivative works of the Platform or its content
• Remove, obscure, or alter any copyright, trademark, or proprietary notices
• Rent, lease, lend, sell, transfer, assign, or sublicense the Platform
• Access the Platform for competitive intelligence or to build competing products
• Conduct automated testing, bots, scrapers, or load testing without permission
• Interfere with the Platform's operation, security, or infrastructure
• Transmit viruses, malware, ransomware, or harmful code
• Engage in illegal, fraudulent, threatening, defamatory, or abusive conduct
• Harass, intimidate, or cause harm to Company staff or other users
• Violate any applicable laws, regulations, or third-party rights
• Use the Platform for unauthorized commercial purposes or resale
• Spam, phish, or conduct social engineering attacks

3.3 Commercial Restriction

You may not use the Platform to offer, sell, or provide services to third parties (either directly or indirectly) in a manner that competes with APEX Quote Online or resells Platform functionality. The Platform is for managing your own business operations only.

4. Subscription Plans, Billing & Payments

4.1 Available Plans

APEX Quote Online offers tiered subscription plans (Pro at $69/mo, APEX at $129/mo, and others as defined on the Pricing page). Each plan includes specific features, quote limits, and storage. Plan details and pricing are available at apexquote.online/pricing.

4.9 Referral Program

APEX operates a referral program where users may earn credits for referring new subscribers. Key terms:

• Referrers earn $20 account credit per referred user who converts to a paid plan and completes their first billing cycle
• Referred users receive $20 off their first month, applied automatically via referral link
• Users who refer 25 or more paying subscribers may qualify for special remuneration arrangements — contact contact@apexquote.online to discuss
• Credits are non-transferable, non-refundable, and have no cash value
• APEX reserves the right to modify, pause, or terminate the referral program at any time
• Fraudulent referrals (self-referral, duplicate accounts, etc.) will result in credit forfeiture and account termination

4.2 Recurring Billing & Authorization

By selecting a subscription plan, you authorize the Company to charge your payment method on a recurring basis (monthly or annual, as selected). You authorize Stripe to process these charges. You will be billed on the date you subscribe and on the same day each billing period thereafter.

4.3 Payment Terms & Methods

• All payments are in USD
• Payment is due in advance of each billing period
• We accept credit cards, debit cards, and other payment methods processed through Stripe
• You are responsible for providing accurate billing information
• If payment fails, your account may be suspended or terminated after a grace period

4.4 Free Trial Terms

New users receive a free trial period of 48 hours or 3 quotes, whichever comes first, with full access to all APEX features. Trial terms:

• No credit card required to start a trial
• After trial expiration, you must subscribe to a paid plan to continue using the Platform
• Unused trial time does not roll over or provide credit toward paid plans
• Trial accounts are non-transferable and limited to one per person/business
• We reserve the right to modify trial terms or terminate trials at our discretion
• Abusive use of trial features may result in immediate termination without refund

4.5 Cancellation & Refunds

Refund Policy: All sales are final. No refunds are provided for:

• Partial months or unused subscription time
• Cancelled subscriptions
• Downgrading to a lower-tier plan
• Service interruptions not caused by the Company

Cancellation: You may cancel your subscription at any time through your account settings. Cancellation is effective at the end of your current billing cycle. After cancellation, you will lose access to paid features upon the next billing date, but your data will remain accessible for 30 days.

4.6 Price Changes & Rate Increases

We may change subscription pricing at any time with 30 days' written notice via email or in-app notification. Changes apply to new billing cycles following the notice period. Your continued use of the Platform after the notice period constitutes acceptance of new pricing. If you do not agree with new pricing, you may cancel your subscription.

4.7 Failed Payments & Suspension

If a payment fails:

• We will attempt to retry the charge for 3 days
• If still unsuccessful, your account will be suspended
• Suspended accounts cannot access paid features but data remains retrievable
• After 14 days of suspension, your account may be terminated and data deleted
• You are responsible for any bank fees or overdraft charges related to failed transactions

4.8 Taxes

Prices are exclusive of applicable sales tax, VAT, GST, or other taxes. You are responsible for paying all taxes. We will collect and remit taxes where required by law.

5. Intellectual Property Rights

5.1 Company IP Ownership

All intellectual property in and related to APEX Quote Online is the exclusive property of Apex Space Systems LLC, including:

• Software code, algorithms, and technology infrastructure
• AI models, machine learning systems, and recommendation engines
• Pricing formulas, calculators, and pricing methodologies
• UI/UX design, layout, and visual elements
• Trademarks, logos, and branding materials (APEX Quote Online™)
• Documentation, help content, and instructional materials
• Compilation of data, databases, and aggregated insights
• Business methods, templates, and tools

All intellectual property is protected by U.S. and international copyright, patent, trademark, trade secret, and other intellectual property laws. Unauthorized use violates applicable law.

5.2 User Content License

You retain ownership of content you create or upload (quotes, invoices, client data, photos). However, you grant Apex Space Systems LLC a non-exclusive, royalty-free, worldwide license to use your content to:

• Provide and operate the Platform
• Improve, develop, and enhance Platform features
• Train AI/ML models and generate recommendations
• Create aggregated, de-identified analytics and reports
• Back up and store your data securely

This license is necessary for the Platform to function. You grant these rights for as long as your content remains on our systems.

5.3 Feedback & Suggestions

If you provide feedback, suggestions, or ideas about the Platform, you grant the Company an irrevocable, royalty-free right to use that feedback for any purpose without attribution or compensation.

5.4 No License to Third Parties

You may not license, distribute, or resell Platform features, designs, or content to third parties.

6. User Content & Warranties

6.1 Content Responsibility

You are solely responsible for all content you create, upload, store, or transmit through the Platform, including:

• Quotes and proposals
• Invoice templates and terms
• Client contact information and databases
• Photos (before/after images)
• Expense receipts and documentation
• Contract language and agreement terms

6.2 Warranties & Representations

By uploading content, you represent and warrant that:

• You own or have the legal right to provide all content you submit
• Your content does not infringe third-party intellectual property rights (copyright, trademark, patent, trade secret)
• Your content does not violate any applicable laws or third-party rights
• You have obtained necessary consents from any individuals pictured or identified in photos/documents
• Your content is accurate, truthful, and not misleading
• You have authority to bind any clients or businesses referenced in your content

6.3 Permitted Content Only

You may not upload or use the Platform to share:

• Illegal or copyrighted material
• Hate speech, discrimination, or harassment
• Explicit sexual content or NSFW material
• Violence, threats, or dangerous material
• Spam or unsolicited promotional content
• Personally identifiable information (except in proper business context with consent)
• Malware, viruses, or harmful code

6.4 Client Data & Consent

If you store client contact information (names, phone numbers, addresses, emails) in the Platform, you represent that:

• You have obtained the client's consent to store their information
• You have the legal authority to share client data with the Company for Platform operation
• You comply with all privacy laws and regulations regarding client data
• You are responsible for any claims related to client data storage or sharing

7. Platform Features & Disclaimers

7.1 Quote Calculator & Pricing Recommendations

The Platform uses AI and algorithms to generate pricing recommendations and quotes. These recommendations:

• Are based on historical data, market analysis, and algorithmic estimation
• Should be reviewed and manually verified by you before use
• Are NOT professional pricing advice or legal advice
• Do not guarantee market acceptability, profit margins, or client acceptance
• Are recommendations only; you are solely responsible for all pricing decisions
• May vary based on your local market conditions, competition, and factors we cannot predict

You are not required to use recommended pricing and may override it at any time. The Company is not liable for pricing accuracy or market viability.

7.2 Expense Scanner & Tax Categorization

The Expense Scanner uses OCR and AI to extract and categorize receipt data. Limitations:

• OCR extraction may contain errors; you must verify all extracted data
• Expense categorizations are suggestions only based on merchant data
• Tax deductibility is NOT guaranteed; you must consult a qualified tax professional
• We do not provide tax advice, accounting advice, or financial advice
• You are solely responsible for tax compliance and accuracy of deductions claimed
• Tax estimates are based on a 25% marginal rate assumption and may not reflect your actual tax liability
• IRS audits or tax disputes are your responsibility to resolve

7.3 Business Intelligence & Analytics

Business Intelligence reports and analytics are based on historical data you've entered. They:

• Reflect data only from the Platform; external data sources are not included
• Are provided for informational purposes only
• Should not be relied upon as comprehensive business analysis
• Do not account for market factors, economic conditions, or seasonality
• Are not professional business consulting or financial advice

7.4 Content Generation & Marketing Tools

The Platform offers AI-powered content generation for marketing, social media, and business content. Disclaimers:

• Generated content may contain inaccuracies, inappropriate language, or unintended meanings
• You are responsible for reviewing and editing all generated content
• Generated content may not reflect your actual service offerings or business practices
• You are liable for all content published under your name or business account
• We are not responsible for client complaints or disputes related to generated content

7.5 AI & Machine Learning Limitations

The Platform uses AI and machine learning to provide features and recommendations. You acknowledge that:

• AI systems can make errors, have biases, and produce unpredictable results
• AI recommendations are not infallible and may be suboptimal for your situation
• AI-generated content may infringe third-party rights or contain plagiarism
• We continuously update AI models, which may change recommendation behavior
• You use AI features entirely at your own risk and responsibility

7.6 Client Hub & Self-Service Portal

The Platform provides a client self-service portal ("Client Hub") that allows your clients to view quotes, approve or decline proposals, view upcoming appointments, pay invoices online, request new services, view before/after project photos, and leave reviews — all through a secure token-based link.

• Portal access is controlled by you (the contractor); you may enable or disable portal access for any client at any time
• Each client receives a unique, non-guessable portal token — links cannot be accessed without the correct token
• You are responsible for sharing portal links only with the intended client and their authorized representatives
• Clients using the portal are subject to these Terms as end users of the Platform
• The Company is not liable for unauthorized access to a portal link you shared negligently or publicly
• Client actions taken through the portal (quote approvals, service requests, payments) are binding on you as the contractor
• Payment links within the portal redirect to third-party payment processors (Stripe, Venmo, Cash App, Zelle, PayPal); the Company does not process or hold client payments directly

7.7 SMS Text Messaging & Client Communication

The Platform may offer SMS text messaging features, including two-way texting with clients, automated appointment reminders, "On My Way" arrival notifications, and quote/invoice notifications. By using SMS features, you acknowledge and agree that:

• You are solely responsible for obtaining express written consent from clients before sending them SMS messages through the Platform, in compliance with the Telephone Consumer Protection Act (TCPA) and all applicable state and federal laws
• You must provide clients with the ability to opt out of SMS communications at any time (replying "STOP" to any message will opt the client out automatically)
• SMS messages are transmitted via third-party telecommunications providers (e.g., Twilio); the Company does not guarantee message delivery, timeliness, or accuracy
• Message and data rates may apply to your clients as determined by their mobile carrier
• You are responsible for the content of all SMS messages sent through the Platform, including automated/template messages you configure
• The Company reserves the right to suspend SMS features for any account found in violation of TCPA, FCC regulations, or carrier guidelines
• "On My Way" and other automated text templates can be customized by you; you are responsible for ensuring template content is accurate and appropriate
• The Company is not liable for any claims, fines, or damages arising from SMS communications sent through the Platform

7.8 Location Services & Route Optimization

The Platform may request access to your device's location (GPS) for features including route optimization between jobs, estimated arrival times, and "On My Way" automated notifications. By enabling location services, you acknowledge that:

• Location data is used solely for providing route optimization, arrival estimates, and job tracking features within the Platform
• Location access requires your explicit permission through your device's browser or operating system settings; you may revoke access at any time
• When location is enabled, the Platform may track your approximate location during active job sessions to provide accurate arrival estimates to your clients
• Location data is not shared with third parties except as necessary to provide the feature (e.g., Google Maps API for routing)
• You must obtain consent from any crew members or employees before tracking their location through the Platform's crew features
• The Company is not liable for inaccurate location data, routing errors, or any consequences arising from reliance on location-based features

7.9 Offline Mode & Local Data Caching

The Platform offers an offline mode (Progressive Web App / PWA) that allows you to continue working without an internet connection. By using offline mode, you acknowledge that:

• Offline mode caches (temporarily stores) a copy of your data on your device's local storage so you can view and interact with it without connectivity
• Data entered while offline (job updates, photos, forms, signatures) is queued locally and automatically synced to the cloud when your device regains internet connectivity
• All data — whether entered online or offline — is stored in the Company's secure cloud infrastructure and is visible to account administrators in the admin console
• Cached data on your device is encrypted and automatically cleared upon logout; you may also manually clear cached data from Settings
• The Company is not liable for data loss caused by device failure, cache corruption, or failure to sync before cache expiration
• You are responsible for ensuring your device is secure (passcode/biometric lock) to prevent unauthorized access to cached business data
• Offline data does not replace cloud storage — it is a temporary cache, and the cloud database is the authoritative source of truth for all records

7.10 Job Forms, Checklists & Digital Signatures

The Platform provides job completion forms, customizable checklists, and digital signature capture for on-site use. By using these features, you acknowledge that:

• Digital signatures captured through the Platform are intended as business records of client acknowledgment and may not satisfy all legal requirements for electronic signatures under ESIGN Act or UETA in every jurisdiction
• You are responsible for determining whether digital signatures meet the legal requirements of your specific contracts and jurisdictions
• The Platform records the date, time, and signer name associated with each digital signature
• You are responsible for the content and accuracy of all job forms and checklists you create and present to clients
• The Company is not liable for disputes arising from digital signatures, job form content, or checklist completeness

7.11 Crew & Employee Access

The Platform allows you (the account owner/contractor) to invite crew members or employees to access a limited subset of Platform features ("Crew Access"). By using crew access features, you acknowledge that:

• You are solely responsible for managing crew member access, including inviting, revoking, and assigning appropriate permissions
• Crew members have limited access to job-related features (viewing assigned jobs, navigation, completing job forms, capturing photos) and do not have access to financial data, client pricing, or administrative features unless explicitly granted by you
• You are responsible for obtaining consent from crew members before tracking their location, if you enable location-based crew features
• You are responsible for all actions taken by crew members under your account, including any data they enter, modify, or access
• Crew members do not have separate accounts with the Company; their access is managed through your subscription and subject to these Terms
• The Company does not charge per-user fees for crew access; all crew seats are included in your subscription plan
• You must promptly revoke access for any crew member who is terminated, resigns, or should no longer have Platform access

7.12 Third-Party Accounting Integrations

The Platform may offer integration or data export features for third-party accounting software (e.g., QuickBooks, TurboTax, FreshBooks). By using these features, you acknowledge that:

• Exported data reflects only information you have entered into the Platform and may not represent your complete financial picture
• You are responsible for reviewing and verifying all exported data before importing it into any accounting system
• The Company does not guarantee compatibility with all versions or configurations of third-party accounting software
• Third-party accounting software is governed by its own terms of service and privacy policies, which are independent of the Platform
• The Company is not liable for data errors, formatting issues, or financial discrepancies arising from exported data or third-party imports
• Export features are provided as a convenience and are not a substitute for professional bookkeeping or accounting services

7.13 AI Image Generation & Project Vision AI

The Platform offers AI-powered image generation features, including "Project Vision AI" which generates photorealistic renders of proposed project results, AI-generated blog hero images, and AI-generated marketing assets. By using these features, you acknowledge that:

• AI-generated images are artistic representations and simulations only — they are NOT photographs of actual work performed and do not guarantee specific results
• AI-generated renders may not reflect what is structurally, physically, or legally achievable on a given property
• You are responsible for verifying feasibility, obtaining permits, and ensuring compliance with building codes before promising any depicted outcome to clients
• The Company does not guarantee that AI-generated images will be free of artifacts, distortions, or inaccurate depictions
• You must not present AI-generated images as photographs of completed work without clear disclosure that they are conceptual renderings
• The Company is not liable for client disputes, expectations, or claims arising from the use or presentation of AI-generated images
• You are solely responsible for how you use, present, and represent AI-generated images to clients and third parties

7.14 Blog Content & Educational Materials

The Platform publishes blog articles, pricing guides, educational content, and informational resources on the APEX Quote Online website. By accessing or relying on this content, you acknowledge that:

• Blog content is provided for general informational purposes only and is NOT professional pricing, tax, legal, or business advice
• Pricing data, market rates, and cost figures referenced in blog articles are estimates based on publicly available information and may not reflect current local market conditions or your specific business costs
• Prices and market data change frequently — always verify current rates before quoting clients
• The Company makes no guarantees about the accuracy, completeness, or timeliness of blog content
• Reliance on blog content for business decisions is at your own risk — consult qualified professionals for specific advice
• Blog content may include AI-generated text that has not been individually fact-checked — verify all claims before relying on them
• The Company is not liable for financial losses, underbidding, or business decisions made based on blog content

7.15 Third-Party Trademarks & Competitor References

The Platform and its marketing materials (including the Investors page, blog, and comparison content) may reference third-party company names, product names, and service names for comparison and educational purposes. You acknowledge that:

• All third-party names referenced (including but not limited to Jobber, Housecall Pro, ServiceTitan, SimplyWise, QuickBooks, Keeper, HubSpot, TurboTax, FreshBooks, Stripe, Venmo, Zelle, Cash App, PayPal, Mercado Pago, Interac, Twilio, and Google) are trademarks of their respective owners
• APEX Quote Online and Apex Space Systems LLC are NOT affiliated with, endorsed by, sponsored by, or partnered with any of these third parties unless explicitly stated
• Competitor comparisons are based on publicly available information as of the date published and may not reflect current pricing, features, or availability — verify directly with the competitor before making purchasing decisions
• All comparisons are presented in good faith based on the Company's best understanding of publicly available information at the time of writing
• The Company reserves the right to update comparison data as new information becomes available
• Any omission or error in competitor comparison data is not intentional and does not constitute defamation, unfair competition, or false advertising
• Third-party trademarks are used solely for nominative and comparative purposes permitted under applicable trademark law

8. Service Availability & Maintenance

8.1 "As-Is" Service Provision

APEX Quote Online is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind. We make no guarantees regarding:

• Uninterrupted or error-free operation
• Absence of bugs, security vulnerabilities, or defects
• Fast response times or performance
• Compatibility with all devices, browsers, or systems
• Continued availability of any feature or service

8.2 Downtime & Maintenance

We may perform maintenance, updates, or shut down the Platform at any time with or without notice. We are not liable for:

• Scheduled or unscheduled downtime
• Data loss during maintenance
• Service interruptions affecting your business
• Lost revenue or business opportunities due to unavailability

8.3 Service Modifications

We reserve the right to modify, discontinue, or restrict features at any time. We may remove features that are unprofitable, rarely used, or create legal issues. You have no right to compensation for removed features.

9. Limitation of Liability & Damages Exclusion

9.1 Broad Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL APEX SPACE SYSTEMS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY OF THE FOLLOWING, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES:

• Indirect, incidental, special, or consequential damages
• Punitive or exemplary damages
• Loss of profits, revenue, or earnings
• Loss of business opportunity, contracts, or customers
• Loss, corruption, or inaccessibility of data
• Loss of use, goodwill, or reputation
• Business interruption or cessation of operations
• Cost of substitute services or replacement products
• Personal injury, property damage, or bodily harm
• Any damages arising from errors in AI recommendations, pricing, or content

This exclusion applies regardless of the cause of action (contract, tort, negligence, strict liability, product liability, etc.) and even if the Company has been advised of the possibility of such damages.

9.2 Cap on Liability

IN NO EVENT SHALL THE COMPANY'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO THE COMPANY IN THE 12 MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR (B) $100 USD.

If you have not paid anything, your maximum recovery is $100. This cap applies to all claims combined, regardless of theory.

9.3 Essential Terms & Allocation of Risk

You acknowledge that these liability limitations are essential terms of this agreement and a material basis for the pricing and availability of the Platform. Without these limitations, the Company could not offer the Platform at current prices.

9.4 You Use at Your Own Risk

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE PLATFORM IS AT YOUR SOLE RISK. YOU ASSUME ALL RISK OF LOSS, DAMAGE, LIABILITY, AND EXPENSE RESULTING FROM YOUR USE OF THE PLATFORM, INCLUDING BUT NOT LIMITED TO BUSINESS DECISIONS MADE BASED ON PLATFORM RECOMMENDATIONS, DATA, OR FEATURES.

10. Indemnification

10.1 Your Indemnification Obligation

You agree to indemnify, defend (with counsel approved by the Company), and hold harmless Apex Space Systems LLC, its parent, subsidiaries, affiliates, officers, directors, managers, employees, agents, licensors, and service providers from and against any and all claims, damages, losses, costs, expenses (including reasonable attorneys' fees), settlements, and liabilities arising from or related to:

• Your use of the Platform or violation of these Terms
• Your violation of any applicable law, regulation, or third-party right
• Your content, data, or information you provide or upload
• Your infringement of any intellectual property right or trade secret
• Your defamation, harassment, or abuse of others
• Negligent or willful misconduct on your part
• Claims from clients, customers, or third parties related to your business, quotes, or services
• Disputes over pricing, service quality, or business practices using Platform recommendations
• Tax liability, audit disputes, or penalties related to information you provided or generated through the Platform
• Any damage to your business relationship with clients caused by use of the Platform

10.2 Indemnification Procedures

You must: (a) notify the Company in writing of any indemnifiable claim, (b) give the Company sole control of defense and settlement, and (c) provide reasonable cooperation. The Company may assume defense of any claim, and you will reimburse defense costs incurred.

10.3 No Limitation

Your indemnification obligation is not limited by any liability cap or exclusion in these Terms.

11. Account Termination & Suspension

11.1 Termination by the Company

The Company may immediately suspend or terminate your account, access, and use of the Platform, with or without cause, without liability or obligation to you, if:

• You violate any provision of these Terms or our policies
• You engage in illegal, fraudulent, deceptive, or abusive conduct
• You harass, threaten, or abuse Company staff or other users
• You fail to pay subscription fees
• You attempt to circumvent payment, security, or access controls
• You conduct illegal activity using the Platform
• We receive complaints from clients or third parties about your conduct
• We believe continuing service poses legal or business risks
• We detect suspicious, abusive, or fraudulent activity on your account
• You are placed on a government sanctions or restricted party list

11.2 Termination by You

You may terminate your account at any time by contacting contact@apexquote.online or via your account settings. Termination is effective after processing, and you will lose access to paid features. No refunds are provided for partial months.

11.3 Effect of Termination

Upon termination:

• Your right to access and use the Platform terminates immediately
• You remain liable for all fees and charges incurred before termination
• Your data will be retained for 30 days, then deleted (except as required by law)
• Sections regarding liability, indemnification, and confidentiality survive termination
• Accounts terminated for violations may be permanently banned from using the Platform

11.4 No Refunds Upon Termination

No refunds, credits, or reimbursements are provided for termination, regardless of reason. You are responsible for downloading your data before termination.

12. Dispute Resolution & Arbitration

12.1 Informal Resolution

Before filing any legal action, you agree to attempt informal resolution by sending a detailed written description of the dispute to contact@apexquote.online. The Company will attempt to resolve the dispute within 30 days. If resolution is not reached, you may pursue formal remedies as described below.

12.2 Binding Arbitration

You and the Company agree that any dispute, claim, or controversy arising from or relating to these Terms, the Platform, or your use of the Platform shall be resolved by binding arbitration, not in court. This includes contract disputes, tort claims, statutory claims, and all other claims.

Arbitration Procedures:

• The arbitration shall be administered by JAMS (Judicial Arbitration and Mediation Services) under its Comprehensive Arbitration and Mediation (CAM) Rules & Procedures
• One arbitrator shall be selected per JAMS rules
• Arbitration shall occur in Alexandria, Virginia (or by remote proceedings if both parties agree)
• Each party pays its own attorneys' fees and costs; arbitrator fees split equally unless arbitrator determines otherwise
• Arbitration proceedings are confidential
• Limited discovery is allowed per arbitration rules
• The arbitrator's decision is final and binding
• Judgment on the arbitration award may be entered in any court with jurisdiction

12.3 Class Action Waiver

YOU AND THE COMPANY AGREE THAT ALL DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS, AND THAT YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, REPRESENTATIVE ACTIONS, OR COLLECTIVE CLAIMS. All disputes must proceed individually, not as part of any class, group, or collective action. This waiver applies even if the class action waiver is found unconscionable in part.

12.4 Exceptions to Arbitration

The following matters are NOT subject to arbitration and may be brought in court:

• Claims for injunctive relief related to intellectual property infringement or confidentiality breaches
• Claims for fraudulent inducement of the arbitration agreement itself
• Small claims actions in small claims courts

12.5 Severability of Arbitration Clause

If the class action waiver or arbitration clause is found unenforceable, that specific provision shall be severed, and the remaining arbitration terms shall remain in effect.

13. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law principles. Any legal action, proceeding, or arbitration shall be conducted exclusively in the federal or state courts located in Arlington County, Virginia (or remotely as permitted). You consent to the personal jurisdiction and venue of such courts.

14. Confidentiality & Non-Disclosure

14.1 Confidential Information

The Platform, including its algorithms, pricing models, AI systems, and methodologies, constitutes confidential and proprietary information. You agree not to disclose, reverse engineer, or publicly discuss the inner workings or technical details of the Platform.

14.2 Your Obligations

You must maintain the confidentiality of the Platform and may not:

• Disclose to competitors or third parties how the Platform functions
• Share API keys, authentication tokens, or access credentials
• Publish or announce unreleased features or future roadmap details
• Publicly criticize or disparage the Platform (beyond honest product reviews)

15. Professional & Licensed Activities

15.1 Not a Substitute for Professionals

The Platform is NOT a substitute for professional advice from qualified professionals. Specifically:

• Tax Advice: For tax planning, deductions, and compliance, consult a licensed tax professional (CPA, enrolled agent, or tax attorney)
• Legal Advice: For contract terms, liability, licensing, and legal compliance, consult a licensed attorney
• Business Advice: For business strategy and financial planning, consult a business consultant or financial advisor
• Insurance Advice: For coverage and liability, consult an insurance agent or broker

The Company does not hold any professional licenses and is not regulated by any financial, legal, or tax authority.

15.2 Your Responsibility

You are solely responsible for:

• Obtaining professional advice before making business decisions
• Ensuring compliance with all applicable laws, licenses, permits, and regulations
• Maintaining proper business insurance coverage
• Paying all taxes owed and filing accurate tax returns
• Verifying all information generated by the Platform before use

16. Modifications to Terms & Policy

The Company may modify these Terms at any time. Modifications are effective when posted. We will notify you of material changes via email or in-app notification. Your continued use of the Platform after notification constitutes acceptance of modified Terms. If you do not agree with modifications, you may terminate your account.

17. Severability & Interpretation

17.1 Severability

If any provision of these Terms is found by a court or arbitrator to be invalid, unenforceable, or illegal, that provision shall be modified to the minimum extent necessary to make it valid and enforceable. If it cannot be salvaged, it shall be severed. All other provisions remain in full force.

17.2 No Waiver

No failure or delay by the Company in asserting any right, power, or remedy shall operate as a waiver thereof, nor shall any single or partial exercise preclude any other or further exercise of any other right, power, or remedy. Waiver of a provision in one instance does not constitute waiver of that provision in any other instance.

17.3 Entire Agreement

These Terms, including the Privacy Policy and any incorporated policies, constitute the entire and exclusive agreement between you and the Company regarding the Platform. All prior negotiations, proposals, and agreements, whether written or oral, are superseded by these Terms.

17.4 Interpretation

These Terms are interpreted neutrally and not strictly against either party, regardless of who drafted them. Section headings are for convenience and do not affect interpretation.

18. Third-Party Beneficiaries

These Terms are solely for your and the Company's benefit. No third party has any rights or remedies under these Terms, except as expressly authorized in writing by the Company.

19. Contact & Legal Notice

For legal notices, inquiries, or disputes regarding these Terms: