Terms of Service

We are Ancla Tech LLC ("Company", "we", "us", "our"), a company registered in Massachusetts, United States at 867 Boylston Street, 5th Floor, Boston, MA 02116.

We operate the website https://www.anclado.app (the "Site"), the mobile application OnePenny (the "App"), the website and app AprendoCare™ at https://www.aprendocare.com, as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").

Anclado is a portal of personal productivity and finance apps. Its first app, OnePenny, helps users track expenses, scan and organize receipts, manage credit cards and loans, and monitor their overall financial health.

We also operate our company website https://www.anclatech.net, which presents our products and shows the plans and prices of OnePenny. Choosing a plan there takes you to the Site, where you sign in or create your account; any purchase is completed on the Site under these Legal Terms.

You can contact us by phone at (617) 917-9629, email at legal@anclado.app, or by mail to 867 Boylston Street, 5th Floor, Boston, MA 02116, United States.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Ancla Tech LLC, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

We will provide you with prior notice of any scheduled changes to the Services you are using. The modified Legal Terms will become effective upon posting or notifying you by info@anclado.app, as stated in the email message. By continuing to use the Services after the effective date of any changes, you agree to be bound by the modified terms.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

We recommend that you print a copy of these Legal Terms for your records.

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).

Our intellectual property. We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks"). Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world. The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use only.

Your use of our Services. Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to: access the Services; and download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use. Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. If you wish to make any other use, please address your request to legal@anclado.app.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Your submissions. By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission, and that we shall own it and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of this section, any third party's intellectual property rights, or applicable law.

By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update it as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (6) you will not use the Services for any illegal or unauthorized purpose; and (7) your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

Payments on our website are processed by Stripe, and purchases in the iPhone and iPad app are processed by Apple through In-App Purchase and charged to your Apple Account. On the website you can pay with the cards and digital wallets that Stripe offers at checkout, such as Visa, Mastercard, American Express, Discover, Apple Pay, and Google Pay.

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in US dollars.

You agree to pay all charges at the prices then in effect for your purchases, and you authorize us to charge your chosen payment provider for any such amounts upon placing your order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment.

We reserve the right to refuse any order placed through the Services. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order, and we reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers, or distributors.

Billing and Renewal. Your subscription will continue and automatically renew unless canceled. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order. The length of your billing cycle will depend on the type of subscription plan you choose when you subscribed to the Services.

Free Trial. We offer a 30-day free trial to new users who register with the Services. The account will not be charged and the subscription will be suspended until upgraded to a paid version at the end of the free trial.

Cancellation and refunds. Purchases are non-refundable, with one exception: a pack of AI scan credits or import rows that is completely unused can be refunded in full if you ask us within 14 days of buying it, by writing to info@anclado.app. Subscription plans, renewals and MyCard cards are non-refundable. You can cancel your subscription at any time by logging into your account. Your cancellation will take effect at the end of the current paid term. If you have any questions or are unsatisfied with our Services, please email us at legal@anclado.app.

Purchases through Apple. If you buy a plan or a pack in the iPhone or iPad app, Apple handles the charge, the renewal, the cancellation and any refund under its own terms. To cancel, use the subscription settings of your Apple Account; deleting your OnePenny account does not cancel it. Ask for a refund at reportaproblem.apple.com: the 14-day refund described above applies only to purchases made on our website. While active, a plan bought through Apple also works on our website and in the Android app.

Fee Changes. We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law.

Plan allowances and limits. The allowances and limits that come with each plan and with the free trial (for example AI receipt scans, emails, stored files, and number of records) are described in the app and on our plan pages. We reserve the right to change these values whenever we consider it necessary, for example to keep the Services sustainable or to prevent abuse. We will inform you at least 30 days before a change to the allowances or limits of your plan takes effect. A change to what a new free trial includes may apply to accounts created after the change without prior notice to existing users.

Business cards. MyCard lets you design a digital business card, for personal or business use, for Apple Wallet (iPhone) and Google Wallet (Android). Each business card is a separate purchase: you choose the business card at the price you want (the price determines which icons, colors and features it can include), design it, review it and pay. A business card's price cannot be changed after you choose it. Payments are non-refundable.

Modification. After your business card is delivered you may modify it a limited number of times (one, unless we state otherwise in the app), changing texts, icons and colors within what your business card includes. Re-sending or re-downloading the same business card does not use a modification. For another change, you can buy a new business card.

Identity. Your name, last name and company are locked once your business card is issued. Business cards must show your own identity or your own business. You may not resell, sublicense or issue business cards for third parties, except the gift cards described in section 6D.

Records. To prevent abuse and to help you when you contact support, we keep a record of the steps taken to create, pay for and deliver each business card, including the information you entered and the business card's serial number.

Google Wallet. If you choose «Add to Google Wallet», we create your digital business card (not a credit, debit or payment card) in Google Wallet, and Google stores it for you. The information on it (your name, job title, company, phone numbers, email address, website, address, social profiles, and the logo or image on the card) is sent to Google, and Google's terms and privacy policy apply to what Google does with it. Google shows it as a private pass: your phone asks you to confirm it is you before opening it, and it cannot be shared from Google Wallet. Once it is in your wallet we cannot edit or remove it there; its QR code opens your card's contact page on anclado.app, which always shows your current details and stops working if the card is removed under these terms. The logo or photo you upload is sent to Google with the card and shown on it in Google Wallet, as in Apple Wallet; only upload images you have the right to use.

Your images. On the levels that allow it, you may upload your own photo or logo to appear on your business card. You may upload only images that you own or that you have the right or written permission to use. You may not upload logos, trademarks, brand artwork, photographs, illustrations or any other material that belongs to someone else (a company, a brand, an artist, a photographer or another person) unless you have the owner's authorization. Using logos or images protected by copyright or trademark is your sole responsibility.

Responsibility. You alone are responsible for the images you upload and for any claim, loss or damage that arises from them, and you agree to defend, indemnify and hold us harmless as stated in the Indemnification section. We do not review, select or endorse uploaded images; we only print them on the business card you ask us to make.

Removal. We may remove or disable any uploaded image at any time, without notice, if we receive a complaint or believe it may infringe someone's rights or breach these terms, and we may cancel the affected business card without a refund. We will terminate the accounts of users who repeatedly infringe the rights of others.

Copyright and trademark complaints. If you believe an image on a business card made with our Services infringes your copyright or trademark, send a written notice to our designated agent — Ancla Tech LLC, 867 Boylston Street, 5th Floor, Boston, MA 02116, United States, info@anclado.app — that includes: (a) a description of the work or mark you claim is infringed; (b) where the image appears (the business card, or the name and email of the person who made it, if you know them); (c) your name, address, phone number and email; (d) a statement that you have a good-faith belief that the use is not authorized by the owner, its agent or the law; (e) a statement, under penalty of perjury, that the information in your notice is accurate and that you are the owner or authorized to act for the owner; and (f) your physical or electronic signature. We may send a copy of the notice to the person who uploaded the image, who may reply with a counter-notice.

Passes already added. A pass that someone already added to their Apple Wallet or Google Wallet may stay on their device until they delete it; removing an image affects the passes generated after the removal.

Companies. MyCard Business lets a company issue digital business cards to its employees, who do not need an account. The person who registers the company confirms, with an electronic signature, that they are authorised to act for it and that the name, website, phone and contact email they entered are accurate. The company name is entered once and cannot be changed afterwards (to correct a mistake, contact us). We may refuse, reject, put on hold or suspend any company at any time, for example when we cannot confirm that it exists or that the person registering is authorised, and we may remove its business cards.

Verification. Before a company can buy credits or create business cards, its contact email must be on the domain of its website and must be confirmed with a code, and we review the registration. If the company later changes its website or contact email, it is put on hold until we approve it again; while on hold it cannot create, edit, download or email business cards or buy credits. Passes already added to an Apple Wallet or a Google Wallet stay on that device until deleted. Every change to a company's details and every credit movement is recorded in a log we keep.

Credits. Credits are bought in packs at the price shown in the app (currently US$1 per credit) and are used to process an employee business card (a step the company approves in the app, after seeing how many credits it will use; it includes the business card's first email), to re-send a business card by email and to change a business card that was already sent or downloaded; adding, importing, preparing, editing and removing employees before their business card is processed costs nothing. The number of credits each action costs is shown in the app before you confirm it and may change with notice in the app. Credits do not expire and are not transferable between companies. Credits are charged once per business card, when it is processed, all at once for the business cards selected and independently of any later delivery. The company can undo the processing, and the credits are returned, as long as the business card has not been sent or downloaded; once it has, the credits used are not returned, including when the employee is later removed. A business card paid under the earlier rule and never processed is refunded when its employee is removed. Unused credits bought less than 14 days ago may be refunded by contacting us; other purchases are non-refundable. If a payment is refunded or reversed, the related credits are removed.

Sending business cards. Business cards are delivered by email with a link. To protect deliverability, emails are sent in a paced queue (one at a time, inside the hours the company chooses within the limits we set, with daily limits that we may change), a company can have one send running or scheduled at a time, and we may slow down, pause or stop a send, or all sending, when a mail server complains, when many addresses bounce, or to protect the service. We keep the delivery results of each send (who received it, bounces, complaints) and a list of addresses that bounced or complained, and we do not send to those addresses again. An email already sent cannot be recalled. We do not guarantee delivery to a particular inbox.

Employees and their data. The company is responsible for the employees it adds, for having the right to issue a business card to each of them, and for the accuracy of their data. We process employees' names, titles, phones and emails only on the company's behalf, to build and deliver their business cards. Business cards may only show people who belong to the company and email addresses on the company's domain. You may not use MyCard Business to issue business cards in the name of a company or person you are not authorised to represent. The company's logo is subject to section 6B.

Google Wallet. When an employee chooses «Add to Google Wallet», the employee's digital business card is created in Google Wallet with the data and the logo described above. By issuing business cards, the company confirms that it is authorised to show its name and logo in Google Wallet. Google Wallet passes cannot be removed by us: if an employee is removed or the company is suspended, the pass stays in the employee's wallet, but its QR code stops giving the contact.

Credits. You can buy MyCard credits in packs at the price shown in the app (currently US$1 per credit) and use them to pay for personal MyCard business cards instead of paying card by card. Each card level costs the number of credits shown in the app. We may change those prices; a change never affects a card you have already paid for.

When credits are used. Credits are used only when you confirm a card at the payment step; until then nothing is charged. A card paid with credits is treated like any other paid card (section 6A): its first name, last name and company are locked, and the modification included with the card applies.

Expiry and transfers. Credits do not expire while your account is open. They belong to your account and cannot be transferred, sold or exchanged for money. If your account is closed, any unused credits are lost.

Gifts of credits. We may give you credits as a gift or a promotion, for example to thank you for testing. A gift of credits is added to your account when you claim it by signing in and opening MyCard, and you must do that within the period stated in the invitation or email (7 days unless it says otherwise); credits not claimed in time expire. Gifted credits have no cash value, are not refundable and follow the rest of this section once they are in your account.

Refunds. Unused credits bought less than 14 days ago may be refunded if you write to info@anclado.app. Credits already used to pay a card are not refundable (section 6A). If a payment is refunded, the related credits are removed from your balance, up to the amount you still have.

Where credits are sold. Credits are bought on our website only; the mobile apps do not sell credits.

Gift cards. With your credits you may give a personal MyCard business card to another person (a limited number per month, shown in the app). You give us only the recipient’s first name, their email address, the reason for the gift and, optionally, a short comment; the recipient then designs their own card and enters their own details, so you never provide their phone number, company or address. By giving a card you confirm that the recipient is a real person who may receive it, that the email address you give is theirs, and that you will not use gifts to issue business cards in the name of someone who has not agreed to it. A gift is paid with credits when you send it; until the recipient receives it you may cancel it and your credits are returned, and a gift that nobody claims in time expires and its credits are returned. Once a gift is delivered it is treated like any other paid business card (section 6A). We email the recipient the link to the gift, with your first name, the reason for the gift and the comment you wrote, and we keep their email only to deliver it.

In-person gifts. You may also give a gift in person, by showing its QR code to someone next to you. Then no email is asked: whoever opens the single-use link first can build and finish the card, so show it only to the person you are giving it to. The same applies to gifts sent by WhatsApp: you send the single-use link from your own WhatsApp, no email is asked, and whoever opens it first can finish the card, so send it only to that person; until the card is delivered you can cancel the gift and get your credits back. The recipient may finish without an email or an account; their card works as it is, and to modify it later they create an Anclado account from the «Modify my card» link on their card (that link also works only once). On phones that cannot hold a Wallet pass, the card can be saved as an image.

What it is. AprendoCare™ (https://www.aprendocare.com) is our app for home-care training in Massachusetts. It brings together people who want to learn to care for others at home (students), the schools that train them and the agencies that hire them. You sign in to it with your Anclado account, and these Legal Terms apply to it.

Roles. When you create your account you choose one or more roles: student, school or agency. You may add another role later. A student role is active at once. A school or agency role starts as «pending»: it lets you look around, but you may not publish courses, announcements or other content for that school or agency until you complete its verification (for example, its license, documents and a signed statement). We may approve, refuse or withdraw a school or agency role, and only we can mark it verified.

Acting for a school or an agency. You may choose a school or agency role only if you own or are authorized to represent that school or agency. You are responsible for the information and documents you submit for it being true, current and yours to share.

Brokers. Brokers (sales representatives) are not a role you choose at sign-up. A school adds its own brokers and is responsible for checking that they hold the license the state requires.

Information about rules. The «Rules» page and any similar information in AprendoCare summarize public sources (for example, Massachusetts and federal rules about schools, brokers, training hours and background checks) with a link to the official source. It is reference information only, it may be out of date, and it is not legal advice. Always confirm with the government agency or a lawyer.

We don't vouch for others. Schools, agencies and other users are responsible for their own licenses, courses, offers, messages and conduct. Unless we clearly say otherwise, we do not certify or guarantee any school, course, certificate, agency or job.

Workers never pay to be seen. A student or caregiver is never charged by us to be shown to agencies or employers.

Contact form. If you write to us through AprendoCare's Contact page, we receive your name, email address, topic and message by email to answer you. Please don't include sensitive information, such as health information or Social Security or immigration numbers.

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to: systematically retrieve data or other content from the Services to create or compile a collection, compilation, database, or directory without written permission from us; trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords; circumvent, disable, or otherwise interfere with security-related features of the Services; disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services; use any information obtained from the Services to harass, abuse, or harm another person; make improper use of our support services or submit false reports of abuse or misconduct; use the Services in a manner inconsistent with any applicable laws or regulations; engage in unauthorized framing of or linking to the Services; upload or transmit viruses, Trojan horses, or other harmful material, or excessive spamming, that interferes with the Services; engage in any automated use of the system, such as scripts or data mining; delete the copyright or other proprietary rights notice from any Content; attempt to impersonate another user or person; upload or transmit any passive or active information collection or transmission mechanism (gifs, 1×1 pixels, web bugs, cookies, or similar spyware); interfere with, disrupt, or create an undue burden on the Services; harass, annoy, intimidate, or threaten any of our employees or agents; attempt to bypass any measures designed to prevent or restrict access to the Services; copy or adapt the Services' software; decipher, decompile, disassemble, or reverse engineer any of the software making up the Services, except as permitted by law; use any automated system such as a spider, robot, scraper, or offline reader to access the Services, except as may result from standard search engine or browser usage; use a buying or purchasing agent to make purchases on the Services; make any unauthorized use of the Services, including collecting usernames and/or email addresses of users for the purpose of sending unsolicited email, or creating accounts by automated means or under false pretenses; use the Services to compete with us or for any revenue-generating endeavor or commercial enterprise not endorsed by us; use the Services to advertise or offer to sell goods and services; sell or otherwise transfer your profile; or use the receipt-scanning feature to upload images that are not receipts, invoices, purchase orders, or other proof-of-purchase documents.

The Services does not offer users to submit or post content. We may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated in accordance with the Services' Privacy Policy.

When you create or make available any Contributions, you represent and warrant that: the creation, distribution, transmission, and use of your Contributions do not and will not infringe the proprietary rights of any third party; you are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and authorize us to use your Contributions; you have consent from every identifiable individual person in your Contributions to use their name or likeness; your Contributions are not false, inaccurate, or misleading; your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, or mass mailings; your Contributions are not obscene, lewd, violent, harassing, libelous, or otherwise objectionable (as determined by us); your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone; your Contributions are not used to harass or threaten any other person or promote violence against a person or class of people; your Contributions do not violate any applicable law, regulation, or rule, or the privacy or publicity rights of any third party; your Contributions do not violate any law concerning child pornography or protecting minors; your Contributions do not include offensive comments connected to race, national origin, gender, sexual preference, or physical handicap; and your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms.

Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

You and Services agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings). By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.

We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with them. We are not liable for any statements or representations in your Contributions. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

We may provide you areas on the Services to leave reviews or ratings. When posting a review, you must comply with the following criteria: (1) you should have firsthand experience with the person/entity being reviewed; (2) your reviews should not contain offensive profanity, or abusive, racist, offensive, or hateful language; (3) your reviews should not contain discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability; (4) your reviews should not contain references to illegal activity; (5) you should not be affiliated with competitors if posting negative reviews; (6) you should not make any conclusions as to the legality of conduct; (7) you may not post any false or misleading statements; and (8) you may not organize a campaign encouraging others to post reviews, whether positive or negative.

We may accept, reject, or remove reviews in our sole discretion. We have no obligation to screen reviews or to delete reviews, even if anyone considers reviews objectionable or inaccurate. Reviews are not endorsed by us, and do not necessarily represent our opinions. We do not assume liability for any review or for any claims, liabilities, or losses resulting from any review. By posting a review, you hereby grant to us a perpetual, non-exclusive, worldwide, royalty-free, fully paid, assignable, and sublicensable right and license to reproduce, modify, translate, transmit by any means, display, perform, and/or distribute all content relating to that review.

Use License. If you access the Services via the App, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, strictly in accordance with the terms of this mobile application license. You shall not: decompile, reverse engineer, disassemble, or decrypt the App (except as permitted by applicable law); modify, adapt, or create a derivative work from the App; violate any applicable laws in connection with your use of the App; remove or obscure any proprietary notice; use the App for any revenue-generating endeavor or purpose for which it is not designed; make the App available over a network permitting access by multiple devices or users at the same time; use the App to create a competitive product or service; use the App to send automated queries or unsolicited commercial email; or use any of our proprietary information in the design, development, or distribution of any competing applications, accessories, or devices.

Apple and Android Devices. The following terms apply when you use the App obtained from either the Apple Store or Google Play (each an "App Distributor") to access the Services: (1) the license granted to you is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS or Android operating systems, in accordance with the applicable App Distributor's terms of service; (2) we are responsible for providing maintenance and support services with respect to the App as specified in these Legal Terms or as required under applicable law, and you acknowledge that each App Distributor has no obligation to furnish any such services; (3) in the event of any failure of the App to conform to any applicable warranty, you may notify the applicable App Distributor, and to the maximum extent permitted by applicable law, the App Distributor will have no other warranty obligation whatsoever with respect to the App; (4) you represent and warrant that you are not located in a country subject to a US government embargo or designated as a "terrorist supporting" country, and that you are not listed on any US government list of prohibited or restricted parties; (5) you must comply with applicable third-party terms of agreement when using the App; and (6) you acknowledge and agree that the App Distributors are third-party beneficiaries of the terms and conditions in this mobile application license, and will have the right to enforce them against you as a third-party beneficiary.

The Services may contain (or you may be sent via the Site or App) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services.

Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access Third-Party Websites or use or install any Third-Party Content, you do so at your own risk, and these Legal Terms no longer govern. You should review the applicable terms and privacy policies of any third-party site you visit. Any purchases you make through Third-Party Websites are exclusively between you and the applicable third party, and you agree to hold us blameless from any harm caused by such purchases or any Third-Party Content.

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including reporting such user to law enforcement authorities; (3) in our sole discretion, refuse, restrict access to, limit the availability of, or disable any of your Contributions; (4) remove from the Services or otherwise disable files and content that are excessive in size or burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate their proper functioning.

We care about data privacy and security. Please review our Privacy Policy: https://www.anclado.app/legal/privacy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.

These Legal Terms shall remain in full force and effect while you use the Services. Without limiting any other provision of these Legal Terms, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the Services (including blocking certain IP addresses), to any person for any reason or for no reason, including for breach of any representation, warranty, or covenant contained in these Legal Terms or of any applicable law or regulation. We may terminate your use or participation in the Services or delete your account and any content or information you posted at any time, without warning, in our sole discretion.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including pursuing civil, criminal, and injunctive redress.

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice (except that section 6 applies to changes to plan allowances and limits). However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems, or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services.

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the Commonwealth of Massachusetts applicable to agreements made and to be entirely performed within the Commonwealth of Massachusetts, without regard to its conflict of law principles.

Informal Negotiations. To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute", collectively the "Disputes") brought by either you or us, the parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one party to the other.

Binding Arbitration. If the parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA's Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both available at www.adr.org. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules; if such costs are determined by the arbitrator to be excessive, we will pay all arbitration fees and expenses. The arbitration may be conducted in person, through the submission of documents, by phone, or online. Except where otherwise required, the arbitration will take place in Berkshire, Massachusetts.

If for any reason a Dispute proceeds in court rather than arbitration, it shall be commenced or prosecuted in the state and federal courts located in Berkshire, Massachusetts, and the parties consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in such courts. The United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Legal Terms.

In no event shall any Dispute brought by either party related in any way to the Services be commenced more than one (1) year after the cause of action arose.

Restrictions. The parties agree that any arbitration shall be limited to the Dispute between the parties individually. To the full extent permitted by law: no arbitration shall be joined with any other proceeding; there is no right or authority for any Dispute to be arbitrated on a class-action basis; and there is no right or authority for any Dispute to be brought in a representative capacity on behalf of the general public or any other persons.

Exceptions. The parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any intellectual property rights of a party; (b) any Dispute related to allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found illegal or unenforceable, that portion shall instead be decided by a court of competent jurisdiction within the courts listed above, and the parties agree to submit to that court's personal jurisdiction.

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT, AND WE WILL ASSUME NO LIABILITY FOR: (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (2) PERSONAL INJURY OR PROPERTY DAMAGE RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES; (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY PERSONAL OR FINANCIAL INFORMATION STORED THEREIN; (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES; (5) ANY BUGS, VIRUSES, OR THE LIKE TRANSMITTED THROUGH THE SERVICES BY ANY THIRD PARTY; AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT, OR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF USING ANY CONTENT POSTED, TRANSMITTED, OR MADE AVAILABLE VIA THE SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. THE SERVICES, INCLUDING THE FINANCIAL HEALTH INDEX AND ANY TEXT, SUGGESTION OR SCORE GENERATED BY ARTIFICIAL INTELLIGENCE, PROVIDE GENERAL INFORMATION AND TOOLS BASED ON THE DATA YOU ENTER. THEY ARE NOT FINANCIAL, INVESTMENT, TAX, ACCOUNTING OR LEGAL ADVICE, AND NOT A CREDIT SCORE; CONSULT A QUALIFIED PROFESSIONAL BEFORE MAKING FINANCIAL DECISIONS.

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING, OR $500.00 USD. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including intellectual property rights; or (5) any overt harmful act toward any other user of the Services with whom you connected via the Services. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims.

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

These Legal Terms and any policies or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision is deemed severable and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them, and you hereby waive any defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties to execute them.

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Ancla Tech LLC, 867 Boylston Street, 5th Floor, Boston, MA 02116, United States. Phone: (617) 917-9629. Email: legal@anclado.app.