Terms of Use

Master Terms of Service & Subscription Agreement (Doing business as "850 Boost Club," "850AI," and "Zilac Development"; collectively, "Zilac", "Company", "we", "us", "our") Effective Date: July 16, 2026 Last Updated: October 3, 2026 PLEASE READ THIS AGREEMENT CAREFULLY. IT CONTAINS A BROAD, IRREVOCABLE GRANT OF RIGHTS OVER YOUR DATA AND CONTENT, A LIMITATION OF LIABILITY, A MANDATORY BINDING ARBITRATION CLAUSE, A CLASS ACTION WAIVER, AND A JURY-TRIAL WAIVER THAT AFFECT YOUR LEGAL RIGHTS. BY ACCEPTING, YOU ARE GIVING UP THE RIGHT TO LITIGATE CERTAIN DISPUTES IN COURT AND TO HAVE A JURY DECIDE THEM. IF YOU DO NOT AGREE, DO NOT USE THE SERVICES. 1. Acceptance of Terms; Knowing and Voluntary Agreement By accessing, registering for, purchasing, or using any Zilac product, website, mobile application (including the 850 Bureau Blaster and 850AI), API, connector, or communication channel (collectively, the "Services"), you ("you", "your", "User", "Subscriber", or "Customer") acknowledge that you have read, understood, and agree to be bound by this Master Terms of Service & Subscription Agreement ("Agreement"), including every clause governing data use, licensing, liability, and dispute resolution. You represent that you are entering into this Agreement knowingly, voluntarily, and free from duress, fraud, or undue influence; that you have had a reasonable opportunity to review this Agreement and to consult independent legal counsel of your choosing before accepting; and that your acceptance (whether by clicking "I Agree," checking an acceptance box, providing an electronic signature, submitting payment, or continuing to use the Services) constitutes a valid, binding, and enforceable manifestation of assent. If you do not accept every provision without reservation, you must not access or use the Services. 2. Definitions "Content" means any data, document, image, video, audio, text, credit report, communication, or other material you submit, upload, transmit, or generate through the Services, or that is submitted on your behalf by an authorized representative, agent, or manager account. "Personal Information" means information that identifies or relates to you, including identification and financial data described in Section 4. "Authorized Representative" means any agent, manager, or sponsor account with permission to act on your behalf within the Services. 3. Future Changes; Amendments We may amend, modify, or replace this Agreement at any time, in our sole discretion, for any reason. Revisions take effect immediately upon posting on our site or in-app, regardless of whether you receive an individualized notice. It is your responsibility to review this Agreement periodically. Your continued access to or use of the Services after any revision constitutes your binding acceptance of the amended Agreement, whether or not you re-click "I Agree." 4. Eligibility You must be at least 18 years old and legally capable of entering binding contracts to use the Services. By using the Services, you represent and warrant that you meet these requirements and that all information you provide is true, current, and complete. 5. Services Overview We provide credit-related software that YOU operate, together with educational content, subscription tradeline posting, credit-monitoring integrations and monthly report purchases, AI-assisted chat and analysis (including goal, business, vehicle, home, and funding planning tools), regulatory-complaint preparation and filing tools (including for the CFPB and FTC), and mailing/faxing/emailing fulfillment through our 850mail digital mailing service, plus other ancillary services (collectively, the "Services"). The software prepares dispute letters and related correspondence AT YOUR DIRECTION for YOUR review: you may read, edit, regenerate, or discard any letter, and you may download letters and send them yourself at no charge (downloading any letter or file ends refund eligibility as described in Section 17(f)). You will use the Services only for lawful purposes and in a manner that does not infringe third-party rights or disrupt other users' access. 5A. User-Directed Sending; 850mail Fulfillment No dispute letter, complaint, or other correspondence prepared in the Services is transmitted to any credit bureau, creditor, collector, or regulator until you direct the send. Your direction is given by an affirmative act in the Services — for example, confirming the send of an individual letter from its letter card, clicking "Deploy" on a prepared letter batch and confirming the associated authorization statement, or giving explicit confirmation through a connected assistant — and we record that authorization (including its text, time, and your account) with the resulting send job. After you direct a send, we perform routine pre-dispatch processing and compliance review before dispatch; you may withdraw a directed send at any time before dispatch. Physical mailing, faxing, and emailing are fulfilled through 850mail, our digital mailing fulfillment service, at page-based per-letter rates published at my850.ai/mail-pricing; certain subscription plans include 850mail token allowances or included mailing. Subscription fees are charged for software access, credit-report purchases and monitoring, AI assistant and planning tools, and the other plan features described at purchase — not as an advance fee for the performance of any particular dispute outcome. 6. Account Registration & Required Customer Information You must supply, and keep continuously current, accurate identification documents and Personal Information, including without limitation: full legal name, current and prior addresses, date of birth, Social Security number, government-issued photo identification (front and back), email address, phone number, signature, and login credentials for any three-bureau or single-bureau credit-monitoring provider you connect to the Services. You authorize us to use these credentials to retrieve your credit reports and monitoring data on an ongoing, automated basis. Failure to supply or maintain current information may delay or prevent service delivery, suspend your account, and will void any guarantee described in this Agreement. 7. Privacy; Comprehensive Grant of Rights in Your Data, Content & Communications a. Privacy Policy. Our data-handling practices are further described in our Privacy Policy located at https://my850.ai/privacy. In the event of any conflict between the Privacy Policy and this Section, this Section governs to the maximum extent permitted by law. b. Grant of Rights. By using the Services, you irrevocably and unconditionally grant to Zilac, its parents, subsidiaries, affiliates, successors, assigns, representatives, contractors, mailing/fax vendors, and automated or artificial-intelligence systems (collectively, "Zilac Parties") a perpetual, irrevocable, worldwide, transferable, sublicensable, fully paid-up, royalty-free right and license to access, collect, capture, record, ingest, store, retain, copy, reproduce, aggregate, de-identify, re-identify, analyze, process, compile, adapt, modify, create derivative works from, translate, format, publish, publicly perform, publicly display, distribute, transmit, and otherwise use and exploit, for any commercial or non-commercial purpose whatsoever and without further notice to or consent from you, any and all of the following: (i) all Content you submit, upload, or transmit through the Services; (ii) all Personal Information and identification documents you provide; (iii) all credit reports, credit scores, tradeline data, dispute correspondence, and account data accessed on your behalf; (iv) all text messages, emails, phone calls and recordings, voicemails, chat transcripts, and other communications sent to, received from, or exchanged with any Zilac Party or any party representing a Zilac Party; and (v) any results, outputs, letters, filings, images, or other materials generated by or through the Services in connection with your account (collectively, "Your Data"). c. Use in Products, Training & Improvement. Without limiting the foregoing, you agree that Your Data may be used to operate, maintain, support, and improve the Services; to train, fine-tune, test, and validate artificial-intelligence and machine-learning models and systems (including large language models) used internally or licensed to third parties, in de-identified or identified form at our discretion; to develop new features, products, and services; and to generate aggregated, anonymized, or statistical insights that we may use, publish, license, or sell without restriction and without any payment or attribution to you. d. Public Disclosure & Marketing Use. You expressly authorize the Zilac Parties, at their sole and absolute discretion, to use, feature, publish, or share Your Data — including Personal Information, before/after results, credit-score changes, documents, images, and testimonials — on websites, social-media platforms, advertisements, marketing and sales materials, case studies, investor materials, and any other channel we choose, in each case without further permission, review, or compensation to you. e. No Obligation to Use; No Confidentiality Guarantee. Nothing in this Agreement obligates any Zilac Party to use, retain, back up, or return Your Data, and we may delete Your Data at any time in our discretion, subject to applicable law and our then-current Privacy Policy. While we implement administrative and technical safeguards, you acknowledge that no method of transmission, processing, or storage is completely secure. f. No Liability for Mis-delivery. If your information is inadvertently sent to, viewed by, or accessed by an unintended recipient (including due to your own transmission of documents or credentials, third-party service failures, or ordinary mail/fax/email risk), you agree that the Zilac Parties bear no liability whatsoever for such disclosure, and you irrevocably waive all claims, of any kind, arising from or related to such disclosure, to the maximum extent permitted by law. g. Irrevocability. Because the Services depend on the archival, aggregation, model-training, and publication rights described above, and because those rights may already be embedded in completed work product, published materials, trained models, or third-party disclosures, this license and grant of rights CANNOT be revoked, withdrawn, or limited by you at any time, except to the extent expressly required by applicable law. Closing your account or ceasing use of the Services does not revoke any license already granted under this Section with respect to Your Data collected prior to closure. h. Independent, Severable Licenses; Partial Enforcement. Each right and license granted in this Section 7 is intended to be independent and severable from every other right and license. If any court or arbitrator determines that any portion of the grant is overbroad, unenforceable, or invalid as written, you and Zilac agree that the grant shall automatically be reformed and enforced to the greatest scope, duration, and territory permitted by applicable law, and all remaining portions shall continue in full force. The invalidity of one license (for example, a publication or marketing right) shall not affect the validity of any other license (for example, the operational, storage, or model-training rights). i. Acknowledgment of Consideration. You acknowledge that access to the Services, and the value you receive from them, constitutes full, adequate, and sufficient consideration for the rights and licenses granted in this Section 7, and you waive any argument that such rights are unsupported by consideration. j. Survival. This Section 7 survives termination or expiration of this Agreement, and of your account, indefinitely. 8. Communications Consent You expressly consent to receive calls, SMS/text messages, emails, push notifications, and postal mail — including those sent using automated telephone dialing systems, prerecorded or artificial voice messages, and autodialed or autoscheduled text messages — from any Zilac Party and its partners, at any phone number, email address, or postal address you provide or that is associated with your account, for transactional, operational, account-servicing, and marketing purposes. Message and data rates may apply. Consent to receive marketing messages is not a condition of purchasing any Services. You may opt out of marketing messages by following the instructions in the message or contacting us; however, transactional, legal, billing, and account-servicing communications may continue regardless of any marketing opt-out. 9. Intellectual-Property Rights; Feedback License All software, source code, algorithms, models, text, graphics, designs, trademarks, trade names, and other content that make up the Services (excluding Your Data) are owned by Zilac or its licensors and are protected by intellectual-property laws. You may not copy, modify, reverse-engineer, decompile, scrape, resell, sublicense, or otherwise exploit any part of the Services without our prior written consent. If you submit any suggestion, idea, enhancement request, feedback, or recommendation regarding the Services ("Feedback"), you hereby grant Zilac a perpetual, irrevocable, worldwide, royalty-free license to use, disclose, and incorporate that Feedback into the Services or any other product without restriction, attribution, or compensation to you. 10. Customer Obligations & Acceptable Use You will not: • interfere with, disrupt, or place undue burden on the Services or their infrastructure; • attempt to gain unauthorized access to any account, system, or data; • submit unlawful, fraudulent, falsified, or misappropriated information (including using another person's identity without authorization); • use the Services to violate the Fair Credit Reporting Act ("FCRA"), Credit Repair Organizations Act ("CROA"), Telephone Consumer Protection Act ("TCPA"), CAN-SPAM Act, or any other applicable law or regulation; • use the Services to harass, defraud, or harm any third party, including creditors, data furnishers, or credit bureaus; or • circumvent, disable, or interfere with security features of the Services. Violation of this Section is grounds for immediate suspension or termination of your account without refund. 11. Limited, User-Directed Agency Appointment Solely to carry out sends and filings that YOU direct (as described in Section 5A), you appoint Zilac, and each of its employees, contractors, mail-houses (including 850mail), fax and email vendors, and automated or AI agents, as your limited agents to: (a) print, package, and transmit (by mail, email, fax, or electronic portal) the specific dispute letters, goodwill letters, regulatory complaints, and related correspondence that you have reviewed and directed to be sent; (b) apply your stored signature to those directed documents; and (c) submit and track those directed filings with credit bureaus, creditors, debt collectors, data furnishers, and regulators (including the CFPB and FTC), and receive related delivery confirmations on your behalf. This is a limited agency for fulfillment of your directions — the letters are yours, and no send occurs without your direction. You may revoke this agency at any time by written notice or by closing your account; revocation does not recall correspondence already dispatched or filings already submitted before revocation took effect. 12. Service Guarantees & Limitations a. Tradeline Posting. We guarantee that a purchased tradeline will report to at least one major bureau (typically all three) within fourteen (14) days after the stated reporting date, provided your purchase was made at least five (5) days before that date. American Express lines may require up to three billing cycles to report. b. No Score Guarantee. We do not and cannot guarantee any specific credit-score increase, dispute outcome, account deletion, or approval for credit, housing, or employment. Credit-bureau and creditor decisions are outside our control. c. Address Match. You are responsible for aligning the address on file with each credit bureau to the tradeline address provided; failure to do so voids any posting guarantee. 13. Refund & Replacement Policy If a purchased tradeline fails to post within ninety (90) days, you may choose either a refund or a substitute line, subject to the notice requirement below. You must notify us in writing within fourteen (14) days after the stated reporting date if a line has not posted; failure to timely notify us results in full, non-refundable charges. All sales become final once a line posts to any bureau. Early closure of a tradeline account by you or a third party results in no refund, though you may qualify for a discounted replacement at our discretion. Reductions in a line's credit limit entitle you to one additional free month of that line, and no other remedy. Accounts with red flags, fraud alerts, credit freezes, or identity-verification failures at any bureau are ineligible for any refund. 14. Chargebacks & Payment Reversals You irrevocably waive the right to initiate a chargeback, dispute, or other reversal of any payment made to Zilac for the Services. Any attempted chargeback or payment reversal is deemed a material breach of this Agreement and constitutes fraud against Zilac. You agree to reimburse all investigation costs, collection costs, and reasonable attorneys' fees incurred by any Zilac Party in responding to or resolving an attempted chargeback, and you consent to personal jurisdiction and venue in Houston, Texas for any related action. This Section 14 applies only to payments collected by Zilac. It does not apply to a purchase, refund, or billing dispute handled by Apple or Google for an App Store or Google Play transaction. 15. Marketing, Testimonials, and Publicity In addition to the rights granted in Section 7, you authorize the Zilac Parties, without further permission, review, or compensation, to use your name, likeness, voice, image, testimonials, success metrics, before/after credit data, and any materials generated through the Services for advertising, publicity, and promotional purposes in any medium now known or later developed, worldwide, in perpetuity. 16. Red Flags, Fraud Alerts & Freezes You are solely responsible for identifying and clearing any bureau-imposed red flags, fraud alerts, security freezes, or identity-verification holds prior to purchasing tradelines or dispute services. Your failure to do so releases the Zilac Parties from all related obligations and voids any applicable guarantee, without refund. 17. Subscription, Billing & Cancellation a. Three-Business-Day Right to Cancel (Credit Repair Services). Notwithstanding anything else in this Agreement, and as required by the Credit Repair Organizations Act (15 U.S.C. §§ 1679d–1679e), you may cancel your contract for any credit-repair services (including dispute-letter preparation, mailing, and related credit-improvement services) for any reason at any time before midnight of the THIRD (3rd) BUSINESS DAY after the date you signed or electronically accepted this Agreement, without any penalty or obligation. To exercise this right, mail, deliver, email, or otherwise send a signed, dated copy of the "Notice of Cancellation" included in this Section (or any other written statement of intent to cancel) to Zilac Development (d/b/a 850 Boost Club / 850AI), support@my850.ai, before midnight of the third business day. If you cancel within this period, you will owe nothing for credit-repair services and any payment you made for those services will be refunded. For a payment made through the Apple App Store or Google Play, Section 17(g) explains how that refund is made. This right is in addition to, and is not limited or waived by, any other provision of this Agreement. You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. The following Notice of Cancellation is part of this Agreement: Notice of Cancellation You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you. To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to: Zilac Development (d/b/a 850 Boost Club / 850AI) [Principal business mailing address on file with the Company] Email: support@my850.ai before midnight on ____________________. I hereby cancel this transaction, ____________________ (date) ____________________ (purchaser's signature) b. Subscription Renewal & Ongoing Cancellation. Subscriptions renew automatically at the then-current price until canceled. Plans with a free trial convert to a paid subscription at the price, on the date, and under the terms disclosed to you at checkout, where your express consent to the recurring charge is collected before payment information is taken; you may cancel online before the trial ends and owe nothing. After the three-business-day period above, you may cancel a subscription we bill at any time online or in writing (email, in-app, text, or through the billing portal) with no cancellation fee; your access continues through the end of the then-current paid billing period, and no partial-period refunds are issued for the current period except a refund that qualifies under Section 17(h). Automatic renewal of a subscription purchased through the Apple App Store or Google Play can be turned off only in that store's subscription settings, at least 24 hours before the end of the current period, as described in Section 17(g). We may suspend or terminate your access immediately, without refund, for breach of this Agreement, suspected fraud, abuse of the Services, or non-payment. c. Software, Education & Tradeline Products. Public credit tools and educational content (including 850 University) are available without a paid subscription; the software features described at purchase require the plan you select (DIY, Auto, or AutoMax, each billed monthly). Fees for tradeline products are governed by Sections 12–13. Nothing in this Section limits the statutory right to cancel described in Section 17(a). d. 850mail Token Charges. 850mail mailing tokens are purchased separately from subscription fees at the published rates in effect at purchase, are consumed when you direct a send, and are otherwise governed by this Agreement. e. Credit Report Cost. If we complete an order for a credit report on your behalf (including the three-bureau report included with your plan and any additional report you order through the Services), $20.00 of any refund issued after that order will be retained for each completed report order as the incurred cost of that credit-report product. This provision applies only to a completed report order, not to identity-verification questions alone or to a report you connect or upload yourself. Nothing in this subsection limits any refund or cancellation right required by applicable law, including the right described in Section 17(a), or a refund that qualifies under Section 17(h). f. Downloads End Refund Eligibility. The letters, packets, reports, and other files prepared in the Services are the deliverable work product of your subscription. Once you download any letter, packet, report, or other file from the Services, or otherwise trigger any download of that work product (including a print pack, ZIP archive, or self-mail kit), you have received the benefit of the Services and no refund will be issued for any subscription payment we collected before or after that download, except a refund that qualifies under Section 17(h), the three-business-day right in Section 17(a), a refund required by applicable law, or a refund issued by Apple or Google for a store purchase. Section 17(h) is the only promotional refund. This subsection does not limit the three-business-day right to cancel described in Section 17(a), a refund that qualifies under Section 17(h), any refund required by applicable law, or a refund issued by Apple or Google for a store purchase. g. App Store and Google Play Purchases. A subscription or token pack bought in the Apple App Store or on Google Play is billed by Apple or Google, not by Zilac. The price, billing period, and what the plan includes are shown in the app before you confirm. The subscription renews automatically each month at the price shown unless you cancel at least 24 hours before the end of the current period. To turn off renewal on an iPhone or iPad, go to Settings > your name (Apple ID) > Subscriptions. On Android, open the Google Play app and tap your profile icon > Payments & subscriptions > Subscriptions. We cannot cancel a store subscription from the website or from our systems. Store refunds during the three-business-day period. If you cancel under Section 17(a), your contract is canceled when you send the notice described there, and you owe nothing for credit-repair services. Sending that notice does not stop Apple or Google from renewing your subscription, so also turn off renewal as described above. To get a store payment back, you may ask Apple for a refund at reportaproblem.apple.com, or ask Google Play from your Google Play order history. If the store declines or does not refund the payment, or if you would rather not ask the store, email support@my850.ai and Zilac will refund that payment to you directly. Zilac will not refund a payment that the store has already refunded to you. Store refunds after that period. After the three-business-day period, Apple or Google decides any refund of a store purchase under its own policies, except a refund that qualifies under Section 17(h). You can ask Apple at reportaproblem.apple.com, or ask Google Play from your Google Play order history. If a Section 17(h) claim qualifies and the store declines or does not refund, or if you would rather not ask the store, email support@my850.ai and Zilac will refund the qualifying subscription fees directly. Sections 14, 17(e), and 17(f) apply only to amounts Zilac collects directly. They do not apply to a charge or refund processed by Apple or Google, or to a refund Zilac makes under this subsection or under Section 17(h), and they do not limit the three-business-day right in Section 17(a) or any refund required by applicable law. We do not guarantee a credit-score change or the removal of an item from a credit report. h. 100% Money-Back Guarantee (Auto and AutoMax). If your credit score has not gone up and you meet every condition in this subsection, we will refund 100% of the Auto or AutoMax subscription fees you paid us for that continuous subscription. This is not a promise that any score will increase or that any item will be removed. DIY does not qualify. You qualify only if all of the following are true: (i) You have been continuously subscribed to Auto or AutoMax for at least six (6) months, with no cancellation, lapse, or gap, and you have not initiated a chargeback on any payment during that period. (ii) Dispute rounds the plan prepared during those six months were deployed. Pausing automatic follow-up, or declining to deploy a prepared round, during that period ends eligibility. (iii) On the credit report ordered through the Services that we use to decide the claim, total revolving credit utilization is ten percent (10%) or less across all revolving accounts. (iv) No late payment has been added to your credit report since that subscription started. (v) No new derogatory account has been added to your credit report since that subscription started. (vi) No new account was opened in the four (4) months before you submit the request. (vii) None of your Equifax, Experian, or TransUnion scores on a report ordered through the Services is higher than it was on the first such report after that subscription started. Scores from any other source are not considered. (viii) You are the account holder. This guarantee is not transferable. Submit the request by email to support@my850.ai with the subject "100% Money-Back Guarantee" while the subscription is still active, on or after the day the six continuous months are complete, and no later than thirty (30) days after that subscription ends. We will acknowledge a complete request within thirty (30) days and send a decision within sixty (60) days after the request is complete. We may require proof of identity. A request that does not meet every condition is declined. The refund covers Auto or AutoMax subscription fees paid for that continuous period only. It does not include tradelines, token packs, or other separate purchases. Sections 17(e) and 17(f) do not reduce or block a refund that qualifies under this subsection. For a subscription billed by Apple or Google, you may ask the store for a refund; if the store declines or does not refund, or if you would rather not ask the store, we will refund the qualifying subscription fees directly. We will not refund a payment the store has already refunded. Receiving this refund is your only refund of those subscription fees. This subsection does not limit Section 17(a) or any refund required by applicable law. 18. Third-Party Services & Integrations The Services may integrate with or rely on third-party providers, including credit-monitoring services, payment processors, mail/fax vendors, and AI model providers. We are not responsible for the acts, omissions, outages, policy changes, or data practices of any third-party provider, and your use of such third-party services is subject to their own terms and privacy policies. 19. Disclaimers THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR THAT ANY DISPUTE, FILING, OR TRADELINE WILL PRODUCE ANY PARTICULAR RESULT. 20. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE ZILAC PARTIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE ZILAC PARTIES' AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT YOU ACTUALLY PAID TO ZILAC IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. 21. Indemnification You will defend, indemnify, and hold harmless the Zilac Parties, and each of their officers, owners, employees, agents, and affiliates, from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your breach of this Agreement; (b) your misuse of the Services; (c) any dispute, debt, or claim between you and any creditor, collector, or credit bureau; (d) any Content or data you provide, including any inaccurate, fraudulent, or unauthorized information; or (e) your violation of any law or the rights of any third party. 22. Dispute Resolution, Binding Arbitration & Class Action Waiver a. Governing Federal Act. This arbitration agreement is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) and evidences a transaction involving interstate commerce. b. Scope. Any dispute, claim, or controversy of any kind arising out of or relating to this Agreement, the Services, your account, any Content or data, any communication between the parties, or the breach, termination, enforcement, interpretation, scope, validity, or enforceability of this Agreement (including this arbitration provision) shall be resolved exclusively by confidential, final, and binding arbitration administered in Houston, Harris County, Texas, under the Commercial Arbitration Rules of the American Arbitration Association, before a single arbitrator. Questions of arbitrability shall be decided by the arbitrator. c. Individual Basis Only. YOU AND ZILAC EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN OR SERVE AS A REPRESENTATIVE OR CLASS MEMBER IN ANY CLASS ACTION, CLASS ARBITRATION, COLLECTIVE ACTION, PRIVATE ATTORNEY-GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING. All disputes shall be arbitrated on an individual basis only, and the arbitrator may not consolidate or join the claims of more than one person. d. Costs. Each party bears its own attorneys' fees and costs except as provided in Section 27 (Enforcement); the arbitrator's and administrative fees are split equally unless the arbitrator determines otherwise or applicable law requires Zilac to bear them. e. Survival and Severability. This Section 22 survives termination of this Agreement and any closure of your account. If the class-action or representative-action waiver in subsection (c) is found unenforceable as to a particular claim, that claim (and only that claim) shall be severed and litigated in the courts specified in Section 23, while all other claims remain subject to arbitration. If any other portion of this Section 22 is found unenforceable, it shall be severed and the remainder of this Section shall be enforced. Judgment on the arbitration award may be entered in any court of competent jurisdiction. f. Small Claims and Injunctive Relief. Notwithstanding the foregoing, either party may bring an individual action in small-claims court, and Zilac may seek injunctive or equitable relief in any court of competent jurisdiction as provided in Section 27. 23. Governing Law & Venue This Agreement is governed by the laws of the State of Texas, without regard to its conflict-of-law principles, except that the Federal Arbitration Act governs Section 22. Subject to the arbitration clause above, you consent to the exclusive personal jurisdiction and venue of the state and federal courts located in Harris County, Houston, Texas, for any matter not subject to arbitration, and you waive any objection based on inconvenient forum. 24. Truthful Statements; No Restriction on Honest Reviews Nothing in this Agreement restricts, penalizes, or prohibits you from publishing or communicating your honest review, opinion, feedback, or experience regarding the Zilac Parties or the Services, whether positive or negative, in any forum. Consistent with the Consumer Review Fairness Act (15 U.S.C. § 45b) and applicable state law, any contract provision that would restrict such a review is void, and we will not enforce any such provision. You agree only that you will not publish statements that are knowingly false, that you know to be defamatory, or that disclose another person's confidential information or trade secrets in violation of law. You remain free at all times to submit truthful complaints or information to any government agency, credit bureau, or court. 25. Limitation on Time to Bring Claims To the maximum extent permitted by law, any claim or cause of action arising out of or relating to this Agreement or the Services must be commenced within one (1) year after the claim accrues; otherwise, the claim is permanently barred and waived. 26. No Reliance; Independent Judgment; Not Legal or Financial Advice You acknowledge and agree that: (a) you have not relied on any statement, promise, representation, or warranty not expressly set forth in this Agreement; (b) the Services, including any AI-generated content, letters, filings, scores, or recommendations, are provided for your convenience and do not constitute legal, financial, tax, or credit-repair advice, and no attorney-client, fiduciary, or advisory relationship is created; and (c) you exercise your own independent judgment in using the Services and in making any financial or credit decision. Any prior or contemporaneous oral or written statement inconsistent with this Agreement is superseded and of no effect. 27. Enforcement; Injunctive Relief; Attorneys' Fees You acknowledge that a breach of Sections 7, 9, 10, 14, or 24 may cause the Zilac Parties irreparable harm for which monetary damages would be inadequate, and you agree that the Zilac Parties are entitled to seek injunctive and other equitable relief (without the necessity of posting a bond or proving actual damages) in any court of competent jurisdiction, in addition to any other remedy. In any action or arbitration to enforce this Agreement in which a Zilac Party is the prevailing party, that Zilac Party is entitled to recover its reasonable attorneys' fees, expert fees, and costs, to the maximum extent permitted by law. 28. Term & Termination This Agreement remains in effect for as long as you maintain an account or use the Services. We may suspend or terminate your account, with or without notice, for any reason, including breach of this Agreement. Termination does not relieve you of any obligation accrued before termination. Sections 7, 9, 11 (as to acts occurring prior to termination), 14, 15, 19–27, and 29–35 survive any termination or expiration of this Agreement. 29. Export Control & Compliance You represent that you are not located in, and will not use the Services from, any country subject to U.S. government embargo, and that you are not listed on any U.S. government prohibited or restricted party list. 30. Force Majeure No Zilac Party is liable for any delay or failure to perform resulting from causes beyond its reasonable control, including acts of God, war, terrorism, labor disputes, internet or utility failures, governmental action, or failures of third-party vendors (including credit bureaus and mail carriers). 31. Electronic Signatures, Consent & Records You agree that your electronic signature, click-through acceptance, checkbox acceptance, or continued use of the Services has the same legal effect as a handwritten signature, and constitutes your consent to conduct business electronically under the Electronic Signatures in Global and National Commerce Act ("E-SIGN") and the Uniform Electronic Transactions Act ("UETA"). You consent to receive this Agreement and all related notices and disclosures in electronic form. You agree that Zilac's records of your acceptance — including timestamps, IP address, device information, account activity, and any captured signature image — constitute admissible, conclusive evidence of the existence, timing, and terms of your agreement, and you waive any objection to the admissibility of such records on the basis that they are electronic. 32. Notices We may provide notices to you by email, in-app message, or posting within the Services, and such notice is deemed given when sent or posted. You must send legal notices to Zilac in writing at the contact address published on our website, and such notice is deemed given only upon our actual receipt. 33. Severability, Reformation & Blue-Pencil If any provision of this Agreement is held unenforceable, invalid, or overbroad by a court or arbitrator, that provision shall be modified, limited, narrowed, or "blue-penciled" to the minimum extent necessary to render it valid and enforceable while preserving the parties' intent to the greatest degree the law allows; and if it cannot be so reformed, it shall be severed. In either case, all remaining provisions of this Agreement shall remain in full force and effect. The parties intend that the rights and protections granted to the Zilac Parties be enforced to the fullest extent permitted by law. 34. Waiver, Cumulative Remedies & Assignment No failure or delay by Zilac in exercising any right is a waiver of that right, and no waiver is effective unless in writing and signed by an authorized representative of Zilac. All rights and remedies are cumulative and not exclusive. We may freely assign or transfer this Agreement and our rights and obligations, including in connection with a merger, acquisition, reorganization, or sale of assets; you may not assign or delegate this Agreement, in whole or in part, without our prior written consent, and any attempted assignment in violation of this Section is void. This Agreement binds and benefits the parties and their permitted successors and assigns. 35. Entire Agreement; Interpretation; Priority This Agreement, together with our Privacy Policy and any applicable order form or plan description, constitutes the entire agreement between you and Zilac regarding the Services and supersedes all prior or contemporaneous discussions, understandings, agreements, or representations, whether written or oral. In the event of a conflict, this Agreement controls over any order form or marketing material, except that Section 7 controls over the Privacy Policy as stated therein. No term is to be construed against Zilac as the drafter, and the words "including" and "such as" are illustrative and not limiting. Section headings are for convenience only and do not affect interpretation. This Agreement may be amended by Zilac as provided in Section 3; no other modification is binding unless in a writing signed by an authorized representative of Zilac. BY CLICKING "I AGREE," CHECKING THE ACCEPTANCE BOX, SUBMITTING PAYMENT, ELECTRONICALLY SIGNING, OR OTHERWISE USING THE SERVICES, YOU CERTIFY THAT YOU HAVE READ, UNDERSTOOD, AND VOLUNTARILY ACCEPT ALL TERMS OF THIS AGREEMENT, INCLUDING THE CONSUMER CREDIT FILE RIGHTS DISCLOSURE PROVIDED TO YOU BEFORE SIGNING, THE 3-BUSINESS-DAY NOTICE OF CANCELLATION AND RIGHT TO CANCEL IN SECTION 17, THE COMPREHENSIVE AND IRREVOCABLE GRANT OF RIGHTS OVER YOUR DATA AND CONTENT IN SECTION 7, THE LIMITATION OF LIABILITY IN SECTION 20, THE INDEMNIFICATION OBLIGATIONS IN SECTION 21, AND THE MANDATORY BINDING ARBITRATION, CLASS ACTION WAIVER, AND JURY-TRIAL WAIVER IN SECTION 22. YOU FURTHER CERTIFY THAT YOU ARE AT LEAST 18 YEARS OLD, ARE ENTERING THIS AGREEMENT KNOWINGLY AND VOLUNTARILY, AND HAVE HAD THE OPPORTUNITY TO CONSULT LEGAL COUNSEL OF YOUR CHOOSING.