Terms of Service for File Business LLC

This Agreement is legally enforceable between:

• FB as the provider of business filing, compliance, and corporate support services.

• Users ("Clients"), including individuals, businesses, representatives, and entities accessing or utilizing FB's Services.

By using FB's Website or Services, Users agree that they have read, understood, and consent to comply with the terms outlined in this Agreement.

Who This Agreement Applies To:

• Registered Users

  Individuals who create an account on FB's Website.

• Non-Registered Users

  Visitors who browse the Website or access information without creating an account.

• Business Entities

  Companies, corporations, partnerships, and legal entities using FB's Services.

• Authorized Representatives

  Individuals acting on behalf of a business entity or another individual.

Users further agree that:

• They have the legal authority to enter into this Agreement on behalf of themselves or a business entity.

• They will comply with all applicable laws, regulations, and policies governing the use of FB's Services.

• Misuse, fraudulent activity, or violation of these Terms may result in suspension, termination, or legal action.

By accessing, browsing, or using the Website and Services, Users:

• Acknowledge that they have read, understood, and agreed to be legally bound by these Terms.

• Consent to the collection, use, and storage of their data in accordance with FB's Privacy Policy.

• Agree to comply with all applicable laws and regulations related to corporate filings, business compliance, and regulatory obligations.

If a User does not accept or comply with these Terms, they must immediately stop using the Website and Services.

Conditions of Modification:

• Updates to the Terms may be made to reflect changes in laws, business operations, or best practices.

• Modifications will take effect immediately upon posting on the Website.

• FB is not obligated to notify Users individually of updates.

User's Responsibility to Review Changes:

• Users are responsible for reviewing the Terms regularly to stay informed of any updates.

• Continued use of the Website or Services after modifications constitutes acceptance of the updated Terms.

• Any disputes regarding these Terms shall be resolved exclusively in state or federal courts located in Tallahassee, Florida.

• Users waive their right to participate in class-action lawsuits related to disputes arising from this Agreement.

• Failure to comply with these Terms may result in legal action, service termination, or financial penalties.

• https://www.file.business and all of its affiliated subdomains, web pages, digital platforms, and integrated services operated by FB.

• Any web-based applications, mobile interfaces, or online portals that provide access to FB's Services.

• Any content, tools, resources, or features made available through FB's online platform.

Users acknowledge that the Website's availability, functionality, or design may change at any time without prior notice.

• Any individual, business entity, or representative who accesses, interacts with, or utilizes FB's Services.

• Any authorized person or representative acting on behalf of a company, partnership, or other legal entity using the Services.

• Any individual who creates an account, submits a service request, or engages with FB's online platform.

User Obligations

• By using the Website or Services, the User represents and warrants that they have the legal authority to enter into this Agreement and comply with applicable laws and regulations.

Business Entity Representatives

• If a User is acting on behalf of a business entity, they must have legal authorization to bind the entity to this Agreement.

• FB is not responsible for verifying the User's authority and assumes that all orders submitted are authorized.

Unauthorized Use

• Any unauthorized use of FB's Services, including fraudulent activity or misrepresentation, is strictly prohibited and may result in account suspension, service termination, or legal action.

Business Entity Formation & Incorporation

• Filing Articles of Incorporation or Articles of Organization for new corporations, LLCs, partnerships, or other entities.

• Name availability searches, business registration, and state compliance filings.

• Assisting with EIN (Employer Identification Number) applications for new businesses.

Annual Report Filings

• Filing required state reports to maintain business compliance and avoid penalties.

• Tracking annual report deadlines and providing timely reminders for compliance.

Beneficial Ownership Information (BOI) Reporting

• Assisting businesses with BOI compliance filings under federal regulations.

• Submitting required information to government agencies on behalf of Clients.

Registered Agent Services

• Acting as an official point of contact for receiving legal notices and government correspondence.

• Maintaining compliance with state regulations regarding registered agents.

Corporation Reinstatement Services

• Assisting dissolved or inactive entities in regaining good standing.

• Filing necessary reinstatement paperwork with the appropriate state agencies.

• Resolving outstanding compliance issues that led to administrative dissolution.

Corporate Compliance Solutions

• Providing compliance monitoring, reminders, and filing assistance for state and federal regulations.

• Helping businesses meet tax and corporate reporting obligations.

• Advising on corporate structure changes, amendments, and conversions.

Additional Services Provided Through Affiliates & Third-Party Providers

• FB may offer additional services through strategic partnerships, affiliate programs, and third-party vendors.

• These services may include, but are not limited to, legal consultation, accounting, tax preparation, business insurance, and financial advisory solutions.

• FB does not directly provide legal or tax services but may refer Clients to trusted third-party professionals.

Government Agencies & Compliance Regulators

• State and federal agencies responsible for business filings, corporate registrations, and regulatory compliance.

• Examples: Secretary of State offices, IRS (Internal Revenue Service), FinCEN (Financial Crimes Enforcement Network), and other government entities.

• FB is not responsible for delays, errors, or rejections caused by government agencies.

Payment Processors & Financial Institutions

• Third-party payment platforms, banks, and financial service providers that handle transactions on behalf of FB.

• Examples: Stripe, PayPal, ACH processors, and credit card payment gateways.

• FB does not store full payment details and is not liable for issues arising from third-party payment processing errors.

Technology & Hosting Providers

• Cloud service providers, cybersecurity firms, and web hosting platforms that maintain the Website's infrastructure.

• These providers ensure data security, uptime reliability, and service availability.

Marketing & Affiliate Partners

• Third-party businesses that promote FB's Services through referral programs or partnerships.

• FB is not responsible for misrepresentations, unauthorized claims, or misleading advertisements by independent affiliates.

Legal, Tax, & Compliance Partners

• Independent law firms, CPA firms, or compliance specialists that offer related services.

• FB does not provide legal or tax advice directly but may refer Clients to third-party professionals.

Other External Service Providers

• Companies offering business solutions that integrate with FB's platform, such as virtual office services, trademark registration, and credit-building programs.

• FB is not responsible for third-party providers’ services, terms of use, or policies.

• FB does not guarantee the performance, accuracy, or reliability of third-party services.

• Clients should review the terms, privacy policies, and disclaimers of any third-party provider before engaging with them.

• All definitions outlined in this section shall be interpreted under the laws of the State of Florida.

• If any definition is found to be ambiguous, the interpretation most favorable to FB shall apply.

• FB reserves the right to modify, update, or redefine any term as necessary to reflect business operations.

• Users must be at least 18 years old to create an account and use FB’s Services.

• Users must have the legal capacity to enter into a binding contract under applicable laws.

• If a User is registering on behalf of a business entity, they must:

• a) Have full legal authority to act on behalf of that entity.

• b) Ensure that all information provided is accurate and reflects the entity’s true legal standing.

FB is not responsible for verifying a User’s authority to act on behalf of an entity and assumes that all registrations are legitimate and authorized.

• Full legal name
• Business name (if applicable)
• Current mailing address and contact details
• Valid email address and phone number
• Taxpayer Identification Number (TIN) or Employer Identification Number (EIN), if required

Obligation to Maintain Accurate Information

• Users must update their account information immediately if any details change.

• Providing false, misleading, or outdated information may result in delays, service rejection, or account termination.

• FB is not liable for errors, delays, or government rejections caused by inaccurate information provided by the User.

Verification of Information

• FB reserves the right to request additional documentation to verify a User’s identity or business legitimacy.

• Failure to comply with a verification request may result in service suspension, order cancellation, or legal action.

Fraudulent or Misleading Registrations

• Registering a business entity using false, stolen, or misleading information.

• Misrepresenting ownership, business structure, or legal standing.

• Attempting to impersonate another individual or business entity.

Unlawful or Unauthorized Business Activities

• Using FB’s Services for money laundering, tax evasion, identity theft, or illegal financial transactions.

• Registering a business entity to engage in fraudulent, deceptive, or unlawful practices.

• Attempting to use FB’s Services in jurisdictions where they are not legally permitted.

Security Violations & Misuse of Website

• Attempting to hack, disrupt, or interfere with FB’s Website, database, or payment processing systems.

• Accessing restricted areas of the Website without authorization.

• Distributing malware, phishing attempts, or other malicious software through the Website.

Violation of FB Policies & Intellectual Property

• Copying, scraping, or reproducing content from FB’s Website without permission.

• Using FB’s trademarks, logos, or proprietary materials without authorization.

• Engaging in negative campaigns, defamation, or misleading statements about FB (covered under Section 10 – Non-Disparagement Clause).

• Fraudulent, misleading, or incomplete information is provided during registration.

• A User engages in unauthorized or illegal activity using FB’s Services.

• Payment disputes, chargeback fraud, or multiple failed payment attempts occur.

• A User violates any of the Terms outlined in this Agreement.

Suspension Process & Notice

• FB will attempt to notify the User via email before suspending or terminating an account.

• However, in cases of fraud, illegal activity, or severe violations, immediate termination may occur without prior notice.

Consequences of Account Termination

• Users will lose access to their account, service history, and pending filings.

• Any services in progress may be canceled, and refunds will not be issued for terminated accounts.

• FB may report fraudulent or unlawful activity to government authorities or law enforcement.

• Each User is allowed only one registered account unless approved by FB.

• Accounts cannot be shared, transferred, or sold to another individual or entity.

• Any unauthorized use or multiple registrations may result in account suspension or termination.

Account Access & Unauthorized Use

• Users must not share passwords or login details with third parties.

• If unauthorized access is suspected, the User must notify FB immediately.

• FB is not responsible for losses or damages resulting from unauthorized account access due to User negligence.

Account Recovery & Password Reset

• If a User loses access to their account, a password reset request must be submitted through the Support Center.

• FB may require identity verification before granting access to a locked or compromised account.

• If operating outside the United States, Users are responsible for ensuring compliance with their local business registration laws.

• FB is not liable for a User’s failure to comply with federal, state, or international regulations governing their business.

• All disputes related to account registration, suspension, or eligibility shall be governed by the laws of the State of Florida.

• Users agree to resolve disputes through arbitration in Tallahassee, Florida, as outlined in Section 8 – Dispute Resolution & Governing Law.

• No class-action lawsuits or jury trials shall be permitted for account-related disputes.

• Business entity formation and incorporation
• Annual report filings
• Beneficial Ownership Information (BOI) reporting
• Registered Agent services
• Corporation reinstatement services
• Corporate compliance solutions
• Additional services provided through affiliates and third-party providers

FB aims to process orders promptly; however, processing times are dependent on factors beyond our control, including government agency timelines, third-party service providers, and client responsiveness. By using FB’s Services, Clients ("User, " "you, " or "your") acknowledge that processing times are estimates, not guarantees, and that compliance deadlines remain their sole responsibility.

• FB processes orders within 3 business days, provided that all required information and documentation are submitted correctly and completely.

• State and federal agencies may take significantly longer to process filings, approvals, and compliance reports. FB is not responsible for government agency delays.

• If a filing is submitted with errors, missing documentation, or incomplete information, processing may be delayed until the Client provides the required corrections.

• Expedited processing may be available for an additional fee, but it remains subject to government agency and third-party provider turnaround times.

Government & Regulatory Delays

• State or federal processing backlogs may cause extended wait times beyond FB’s control.

• Regulatory changes, audits, or new legal requirements may result in additional processing steps.

• Government holidays or office closures may temporarily suspend filings or approvals.

Client Submission Errors or Omissions

• Incomplete or incorrect information provided by the Client may result in delays or rejections.

• If a filing is returned or rejected by a government agency, FB will notify the Client, but it is the Client’s responsibility to correct and resubmit the required information.

Third-Party Service Providers & Payment Processing

• FB may utilize third-party providers for specific services, including payment processing, compliance verifications, and expedited government filings.

• If a third-party service provider experiences technical issues, system outages, or processing backlogs, Client orders may be delayed as a result.

Client Responsiveness & Communication

• If additional documentation, verification, or clarification is required, FB will notify the Client via email or the User Panel.

• Failure to respond promptly may extend processing times indefinitely.

• Clients are responsible for checking their email and User Panel regularly to ensure they meet compliance deadlines.

• FB’s business hours are Monday – Friday, 9:00 AM – 5:00 PM EST, excluding federal holidays.

• Orders submitted outside of business hours or on holidays will be processed on the next available business day.

• Support inquiries regarding processing status must be submitted through the Support Center and will be handled during normal business hours.

• Ensure timely submission of all required information, documentation, and supporting materials.

• Meet government filing deadlines to avoid late fees, penalties, or loss of good standing.

• Respond promptly to requests for additional information or corrections.

• Review and verify the accuracy of all filings before submission.

• Monitor the status of their filings and compliance obligations through the User Panel.

Failure to Provide Accurate Information May Result In:

• Delays in processing, rejection of filings, or additional fees for resubmission.

• Late penalties imposed by government agencies, which FB is not responsible for.

• Potential loss of business entity status, fines, or regulatory action.

• Processing times imposed by government agencies.

• Errors, omissions, or incomplete submissions by the Client.

• Delays due to third-party payment processors or service providers.

• Client’s failure to monitor deadlines or compliance requirements.

Clients assume full responsibility for ensuring their business remains in compliance and for any late fees or penalties imposed by state or federal authorities.

• Expedited processing options may be available for an additional fee, but government agency processing times still apply.

• Expedited service does not guarantee same-day or next-day approval, as final processing is subject to government review.

• If an expedited request is delayed due to state or federal agency backlogs, the Client is not entitled to a refund of the expedited service fee.

• This section is governed by the laws of the State of Florida.

• Disputes related to processing times or service delivery must be submitted through the Support Center before seeking arbitration or legal action.

• FB is not liable for damages, losses, or penalties due to government agency delays or compliance failures beyond our control.

Non-Refundable Fees

• Once a service enters processing, the payment is final and non-refundable, except under the conditions stated in Section 6 (Refund & Cancellation Policy).

• Government fees and third-party service charges are non-refundable under any circumstances.

• Expedited processing fees, rush orders, and priority service charges are non-refundable once initiated.

Accepted Payment Methods

• FB accepts credit cards, debit cards, ACH bank transfers, PayPal, and other approved third-party payment methods.

• Payments must be made through authorized payment gateways, and FB does not accept cash, checks, or cryptocurrency payments.

Payment Timing & Authorization

• Payment must be received before service processing begins.

• Clients authorize FB and its payment processors to charge their selected payment method for the full service amount.

• If a payment is declined, rejected, or reversed, FB reserves the right to suspend or cancel the order until payment is received.

User Acknowledgment of Third-Party Payment Terms

• Transaction processing times may vary, and FB is not responsible for payment delays caused by third-party providers.

• Payment disputes, fraud alerts, or chargeback requests must be resolved with the payment processor, not FB.

• Third-party payment processors may impose additional transaction fees, which are non-refundable.

By making a payment, Clients agree to abide by the terms and conditions of the third-party payment provider handling their transaction.

Secure Payment Processing & Data Protection

• FB does not store full payment card details; all transactions are processed through PCI-compliant third-party services.

• Clients should not share payment information via email, phone, or live chat for security reasons.

Pricing Adjustments

• Service fees may be modified based on changes in government filing costs, third-party fees, or operational costs.

• Promotional pricing, discounts, or special offers may be time-limited and subject to eligibility requirements.

Sales Tax & Other Charges

• Depending on the Client’s location, FB may be required to collect and remit sales tax or other applicable government-imposed taxes.

• Any additional surcharges applied by payment providers (e.g., international transaction fees, currency conversion fees) are the sole responsibility of the Client.

Currency & Payment Conversions

• All transactions are processed in U.S. dollars (USD) unless otherwise stated.

• If a payment is made in a foreign currency, conversion rates and fees are determined by the Client’s bank or payment processor, and FB is not responsible for any exchange rate fluctuations.

Consequences of Late Payments

• Orders will not be processed until full payment is received.

• If an invoice remains unpaid for more than 30 days, FB reserves the right to cancel the order or suspend access to services.

• If a Client owes an outstanding balance, FB may:

• a) Charge late fees or interest on overdue amounts.

• b) Restrict access to future services until the balance is settled.

• c) Pursue legal action or debt collection measures to recover unpaid amounts.

Insufficient Funds & Payment Failures

• If a payment fails due to insufficient funds, expired cards, or bank errors, the Client must provide an alternative payment method within 3 business days.

• Multiple failed payment attempts may result in service cancellation and additional penalties.

• Unauthorized chargebacks may result in financial penalties, account termination, and legal action.

• Clients must submit all billing disputes through the Support Center before filing a chargeback.

Recurring Billing Authorization

• Clients authorize FB to automatically charge their saved payment method for subscription fees.

• Subscription renewals will be processed on the due date unless canceled in advance.

Cancellation of Subscription Services

• Clients must submit cancellation requests at least 7 days before the next billing cycle to avoid automatic renewal charges.

• No refunds will be issued for past subscription charges once the renewal payment is processed.

Expired or Declined Subscription Payments

• If a subscription payment fails due to an expired card or insufficient funds, the Client must update their payment information within 5 business days.

• Failure to do so may result in service suspension or termination.

• All services must be paid in full at the time of order placement.

• Partial payments are not accepted unless explicitly agreed upon in writing.

• All payments, fees, and transactions are governed by the laws of the State of Florida.

• Any disputes regarding payments must be resolved in the courts of Tallahassee, Florida.

• Clients waive their right to participate in class-action lawsuits related to payment disputes.

Submit a refund request through the User Panel

• Users must log in to their account and navigate to "Billing and Payments" → "Request a Refund."

• Refund requests submitted through email, phone calls, or chat will not be processed.

Provide required details

• Users must include the order number, transaction date, payment method, and reason for refund request.

• Refund requests must be submitted within 7 days of purchase unless otherwise specified.

Processing time

• Refunds may take up to 10 business days to be reviewed and processed.

• Users will receive a confirmation email once the refund request is approved or denied.

State Filing Fees & Government Charges

• Payments made to state or federal agencies (e.g., Secretary of State, IRS, FinCEN, Sunbiz, etc.) are non-refundable, as these payments are governed by third-party regulations.

• If a government agency rejects, delays, or modifies a filing, the fees paid to them remain non-refundable.

Third-Party Service Provider Fees

• FB may engage third-party payment processors, compliance partners, or document preparation services on behalf of Clients.

• Any fees charged by these providers are non-refundable, regardless of service status.

Services Already Submitted or Completed

• Once a service has been submitted to a government agency or completed, no refunds will be issued.

• This includes:

• Business entity formations (LLCs, corporations, partnerships, etc.)
• Registered Agent services
• Annual report filings
• Beneficial Ownership Information (BOI) reports
• Corporation reinstatements
• Name reservations or amendments

Expedited & Rush Services

• Expedited processing fees are non-refundable once an order has been placed.

• If a User requests faster service but the government agency does not process the request on time, FB is not responsible for external delays.

Custom or Personalized Services

• Any service that requires manual preparation, document customization, or unique business consulting is non-refundable once work has commenced.

• This includes:

• Business consultation services
• Custom corporate document drafting
• Licensing and permit application assistance

Subscription-Based Services

• If FB offers recurring billing or subscription services, cancellation requests must be submitted before the next billing cycle to avoid charges.

• No refunds will be issued for past subscription payments.

• Billing inquiries must be submitted through the Support Center, and responses may take up to 5 business days.

• Chargeback attempts without prior resolution efforts will result in financial penalties and legal action under Section 9 (Chargebacks, Payment Disputes & Penalties).

• If a Client believes they were charged incorrectly, they must provide proof of erroneous billing (e.g., duplicate charges, incorrect pricing).

• Approved refunds will be processed using the original payment method.

• Refunds to credit/debit cards or ACH payments may take up to 10 business days to reflect in the Client’s account.

• FB is not responsible for banking delays, currency conversion fees, or third-party processing timeframes.

• User dissatisfaction with the government agency's response, processing time, or outcome.

• Failure to read and understand FB’s Terms of Use, Refund Policy, or Service Limitations.

• Failure to use the purchased service within a reasonable period.

• Duplicate transactions due to technical errors.

• Incorrect service selection, provided the error is reported immediately.

• Processing failure caused by a system outage or platform error.

• All refund disputes shall be governed by the laws of the State of Florida.

• Any disputes related to refunds or cancellations shall be resolved exclusively in the courts of Tallahassee, Florida.

• Users waive their right to participate in class-action lawsuits regarding refund claims.

Government Processing Delays

• State or federal agencies taking longer than expected to approve or reject filings.

• Backlogs, staffing shortages, regulatory changes, or new compliance requirements affecting approval timelines.

• Unexpected changes in government policies that impact processing fees, timelines, or required documentation.

User Errors and Omissions

• Incorrect, incomplete, or outdated information provided by the Client, resulting in rejections or additional processing time.

• Failure by the Client to review filings before submission or respond to government inquiries in a timely manner.

• Failure to meet required deadlines, resulting in penalties, additional fees, or involuntary dissolution of a business entity.

Technical Failures and Website Downtime

• Internet connectivity issues, server outages, cybersecurity threats, or data transmission failures.

• Unforeseen technical glitches or software bugs affecting service accessibility.

• Errors in automated filings or integrations with third-party systems beyond FB’s control.

Force Majeure Events (Acts of God or Uncontrollable Circumstances)

• Natural disasters, fires, floods, pandemics, government lockdowns, or public health crises.

• Acts of war, terrorism, strikes, labor disputes, or economic disruptions.

• Regulatory changes, legislative amendments, or unforeseen legal developments impacting compliance requirements.

Exclusion of Certain Damages

• FB shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Lost profits or revenue.
• Business interruption or loss of business opportunities.
• Reputational harm due to delayed filings or compliance issues.
• Costs of obtaining substitute services or legal representation.

Maximum Financial Liability

• In no event shall FB’s total cumulative liability exceed the amount paid by the Client for the specific service that gave rise to the claim.

• If no payment was made for the service in question, FB’s liability shall not exceed $100.

• Clients waive the right to seek damages exceeding this amount in any legal proceeding.

No Responsibility for Third-Party Actions

• FB is not responsible for the actions, errors, or omissions of third-party service providers, government agencies, or payment processors.

• If a third party (e.g., a state or federal agency) rejects, delays, or mismanages a filing, FB shall not be held accountable.

• The Client’s business will be profitable, compliant, or successful following incorporation.

• The Client’s legal filings will be accepted without modification by state or federal authorities.

• The Client’s business will avoid penalties, audits, or legal challenges.

Clients are solely responsible for maintaining compliance with:

• State and federal tax laws.

• Ongoing reporting requirements and deadlines.

• Licensing, permit, and regulatory obligations.

Non-Payment, Chargebacks, or Financial Fraud

• If a User fails to pay outstanding fees, initiates a fraudulent chargeback, or engages in financial misconduct, FB may file a lawsuit to recover damages.

Intellectual Property Violations

• FB may seek injunctive relief, cease-and-desist orders, or financial damages for unauthorized use of its trademarks, copyrights, or proprietary content.

Defamation or Non-Disparagement Violations

• If a User publicly spreads false information that harms FB’s reputation, legal action may be taken to enforce the Non-Disparagement Clause.

Threats to Website Security or Unauthorized Access

• Any hacking, cyberattacks, unauthorized data access, or other malicious actions may be prosecuted in court.

• Users must file any claims related to this Agreement within one (1) year from the date of the disputed event.

• Claims filed after the one-year period will be permanently barred, unless otherwise required by law.

This limitation period applies to all claims, including those related to:

• Payment disputes, service complaints, and refund requests.

• Breach of contract, negligence, or any other civil claims against FB.

• Submit a formal refund request via the User Panel under "Billing and Payments" in the "Request a Refund" tab.

• Provide supporting documentation explaining why they believe a refund or correction is warranted.

• Allow up to 10 business days for FB to investigate and respond.

• Cooperate with FB’s customer support team in resolving any disputes.

Chargeback Recovery Fee

• A $500 non-refundable administrative fee will be imposed per disputed transaction to cover the costs of chargeback processing, investigation, and dispute resolution.

Reversal of Chargeback & Account Reinstatement Fee

• If a Client wishes to reinstate their account after initiating a chargeback, they must:

• Repay the full disputed amount plus any fees charged by the payment processor.

• Pay an additional $250 account reinstatement fee before regaining access to FB’s Services.

Legal Action Fee & Collection Costs

• If legal action is required to recover losses from an unauthorized chargeback, the Client agrees to:

• Pay a $5,000 legal action fee to cover attorney’s fees, court costs, and administrative expenses.
• Reimburse FB for any additional damages, penalties, or third-party collection fees.

Blacklisting & Service Termination

• Clients who initiate fraudulent chargebacks may be permanently banned from using FB’s Services.

• FB reserves the right to report repeat offenders to financial institutions, fraud databases, and credit reporting agencies.

Completed Services

• If FB successfully submits a filing, completes a compliance service, or provides access to a paid feature, the transaction is considered final.

• Dissatisfaction with processing time, third-party delays, or government agency timelines does not qualify for a chargeback.

Failure to Read Terms of Use or Service Policies

• Clients cannot claim ignorance of FB’s Terms of Use, refund policies, or billing policies as a reason for a chargeback.

• All Clients are required to review and agree to these terms before completing a purchase.

Voluntary Account Termination or Service Cancellation

• Clients who voluntarily close their account, cancel a service, or fail to use the purchased service are not eligible for a refund or chargeback.

Third-Party Payment Failures or Bank Disputes

• FB is not responsible for banking errors, declined transactions, or third-party payment processing failures.

• Clients must resolve such issues directly with their financial institution or payment provider.

Public Dissemination of False or Misleading Information

• Posting, publishing, or sharing false, misleading, or unverified claims about FB or its Services.

• Spreading misrepresentations about FB’s pricing, policies, services, or employees.

• Making unsubstantiated allegations that could harm FB’s business operations.

Defamatory Statements on Public Platforms

• Writing negative or defamatory online reviews, blog posts, or comments intended to damage FB’s reputation.

• Posting disparaging remarks on social media, forums, business directories, or consumer complaint websites.

• Sharing unverified complaints that may discourage potential clients from engaging with FB.

Engaging in Negative Publicity Campaigns

• Encouraging others to boycott, defame, or spread misinformation about FB.

• Participating in or organizing negative press or social media attacks against FB.

• Using FB’s name, logo, or trademarks in negative promotional materials.

Harassment, Threats, or Abusive Communications

• Sending harassing or defamatory messages to FB employees, executives, or representatives.

• Threatening to damage FB’s reputation in exchange for refunds, compensation, or favorable treatment.

• Engaging in cyberbullying, targeted harassment, or malicious attacks against FB staff.

Spreading False Claims About Financial Transactions or Services

• Filing false complaints about FB’s services to payment processors, banks, or regulatory authorities.

• Attempting to manipulate chargeback processes by making fraudulent claims about transactions.

• Misrepresenting FB’s refund policies, cancellation terms, or service commitments.

Formal Cease-and-Desist Notice

• FB may issue a written demand requiring the User to immediately remove or retract false or defamatory statements.

• Failure to comply within 5 business days may result in further legal action.

Legal Action for Defamation, Libel, or Slander

• FB may pursue legal action for monetary damages caused by defamatory or false statements.

• If a court finds that a User intentionally spread false information, FB may be awarded:

• Compensatory damages (to recover financial losses due to reputational harm).
• Punitive damages (if the User acted with malice).
• Legal fees and court costs incurred during litigation.

Public Retraction Requirement

• FB may seek a court order requiring the User to issue a public correction, retraction, or apology.

• The User may be required to delete or amend negative online reviews, social media posts, or blog articles.

Account Termination & Service Restrictions

• FB reserves the right to suspend or permanently terminate the User’s account without refund.

• Users engaging in repeated disparagement may be blacklisted from future services.

Reporting to Third-Party Authorities

• If the disparaging conduct involves false financial claims, FB may report the User to:

• Financial institutions and payment processors for fraud investigations.
• Consumer protection agencies for spreading misleading business complaints.
• State and federal regulatory agencies for filing false reports.

Government and Regulatory Agencies

• State and federal agencies that process business filings, compliance documents, and tax registrations.

• Department of States, IRS, FinCEN, Secretary of State Offices, and Business Licensing Authorities.

• Third-party compliance portals used for government reporting and business verification.

Payment Processors

• Stripe, PayPal, ACH payment gateways, and credit card processors that handle transactions securely.

• FB does not store or process full payment details; all payments are handled by third-party providers in accordance with their security protocols.

Analytics & Marketing Partners

• Google Analytics, Meta (Facebook), LinkedIn Ads, and other tracking tools used to enhance Website performance and measure engagement.

• These services may use cookies, pixels, and tracking scripts to monitor user behavior.

Customer Support & Communication Platforms

• Live chat services, email support tools, and ticketing systems that facilitate customer interactions.

• May include Zendesk, Intercom, or similar third-party support providers.

Document Preparation & e-Signature Services

• Third-party document management tools for contract generation, legal document filing, and compliance submissions.

• May include DocuSign, HelloSign, or other electronic signature providers.

Third-Party Business Consultants and Service Providers

• Users may be referred to third-party legal, tax, financial, or business advisory firms for specialized assistance.

• FB does not provide legal, accounting, or investment advisory services and is not responsible for third-party consulting outcomes.

Social Media & Content Sharing Tools

• Embedded social media widgets, sharing links, and external blog posts that connect Users to third-party social networks.

• May include LinkedIn, Facebook, Twitter (X), Instagram, YouTube, or other platforms.

• Access and use the Website and Services for lawful business purposes.

• View and download publicly available resources for informational use.

• Use provided forms and templates solely for business compliance as intended under the Services.

This license does not include permission to:

• Modify, copy, distribute, sell, or lease any content or materials from the Website.

• Reverse-engineer, disassemble, or decompile FB’s software or proprietary technology.

• Create derivative works based on FB’s intellectual property.

• Use FB’s trademarks, logos, or branding for commercial gain without express written consent.

Violation of Terms of Use

• Any breach of this Agreement or other applicable policies.

• Failure to comply with legal, regulatory, or compliance requirements related to FB’s Services.

Fraudulent, Illegal, or Unauthorized Activities

• Providing false or misleading information during account registration, order submission, or communications.

• Attempting to impersonate another entity or misrepresenting your identity.

• Engaging in fraudulent transactions (e.g., payment fraud, unauthorized chargebacks).

• Use of the Services for illegal, deceptive, or unethical business practices.

• Engaging in money laundering, identity theft, tax fraud, or other unlawful activities.

Payment Disputes and Chargebacks

• Initiating an unauthorized chargeback or payment dispute without first attempting to resolve the issue through FB's Support Center.

• Repeated failed payment attempts or suspected payment fraud.

Abuse of FB Staff, Services, or Other Users

• Threatening, harassing, or abusing FB employees, representatives, or affiliates.

• Use of abusive or offensive language in communications with FB or other Users.

• Engaging in defamatory or harmful actions against FB, including spreading false information about the Company.

Disruption of Website Security or Operations

• Attempting to hack, manipulate, or disrupt the Website, database, or system security.

• Using bots, scripts, or automation tools to access or abuse FB’s Services.

• Uploading or transmitting malware, viruses, or harmful code.

• Engaging in unauthorized scraping, data mining, or extraction of FB content.

Non-Compliance with Government or Legal Requirements

• Failure to provide required verification documents for compliance purposes.

• Refusal to cooperate with legal or regulatory investigations.

• Use of FB’s Services for prohibited industries or transactions.

Essential Cookies (Strictly Necessary). These cookies are required for the Website to function properly and cannot be disabled. They enable core features such as:

• User authentication and secure logins.

• Session management for logged-in Users.

• Website security and fraud prevention.

• Saving form inputs during navigation.

Without these cookies, Users would be unable to log in, complete transactions, or securely access Services.

Performance & Analytics Cookies. These cookies collect anonymous usage data to help improve the Website’s functionality and performance. They allow FB to:

• Analyze traffic trends and popular pages.

• Monitor how Users interact with the Website.

• Identify and resolve technical errors.

• Optimize load times and server response rates.

Third-party analytics providers, such as Google Analytics, may set these cookies. Users may opt out of analytics tracking via browser settings or the Google Analytics opt-out tool.

Functionality & Preference Cookies. These cookies allow the Website to remember User preferences and settings, including:

• Language selection.

• Saved login credentials (if applicable).

• User interface customization.

• Regional or location-based settings.

These cookies enhance usability but are not required for core functions. Users may disable them through browser settings.

Marketing & Advertising Cookies. These cookies track User behavior across the Website and other websites to:

• Deliver personalized advertisements.

• Measure the effectiveness of marketing campaigns.

• Limit the frequency of repeated ads.

• Provide retargeting ads based on browsing history.

FB may use third-party advertising networks, such as Google Ads, Meta (Facebook) Ads, or LinkedIn Ads, to display relevant promotions. Users can manage ad preferences via the Digital Advertising Alliance’s opt-out page or browser settings.

Third-Party Cookies. Some pages on the Website may include embedded third-party services, such as:

• Social media plugins (e.g., LinkedIn, Facebook, Twitter).

• Embedded videos from YouTube or Vimeo.

• Live chat and customer support widgets.

• Payment processors (e.g., Stripe, PayPal).

These third-party services may set their own cookies, governed by their respective Privacy Policies and Terms of Use. FB does not control how these third parties collect or use data.

Browser Settings. Most web browsers allow Users to:

• Block or delete cookies manually.

• Enable notifications before cookies are stored.

• Clear stored cookies upon closing the browser.

• Restrict cookies to specific websites.

Instructions for managing cookies in common browsers:

• Google Chrome: chrome://settings/cookies

• Mozilla Firefox: about:preferences#privacy

• Apple Safari: Preferences → Privacy & Security

• Microsoft Edge: edge://settings/content/cookies

Opt-Out of Targeted Advertising

• Visiting the Digital Advertising Alliance:

  https://www.aboutads.info/choices

• Using Google’s Ad Settings:

  https://adssettings.google.com

• Managing Facebook Ad Preferences:

  https://www.facebook.com/ads/preferences

Incognito or Private Browsing Mode

• Using an incognito or private browsing window prevents cookies from being stored permanently on a device.

Third-Party Cookie Blocking

• Some browsers and extensions (such as Brave, uBlock Origin, or Privacy Badger) can block third-party tracking cookies.

General Data Protection Regulation (GDPR) (EU Law)

• Requires explicit user consent for non-essential cookies.

• Users must be able to withdraw consent at any time.

• Cookie banners must provide clear options to accept or reject cookies.

California Consumer Privacy Act (CCPA) (U.S. Law)

• Provides Users the right to opt-out of data collection for advertising purposes.

• Requires disclosure of how tracking technologies are used.

• Users must have the ability to delete stored data upon request.

ePrivacy Directive (EU Law)

• Regulates cookie storage and electronic communications privacy.

• Websites must obtain prior consent before storing cookies on a User's device.

FB may collect the following types of personal and business-related information:

• Personally Identifiable Information (PII):

  Includes name, email address, phone number, mailing address, date of birth, and other identifying information.

• Business Information:

  Includes business entity name, employer identification number (EIN), entity registration details, and related compliance information.

• Payment Information:

  Payment details, including transaction records, billing addresses, and financial data, are processed securely by third-party payment providers. FB does not store full payment details.

• Account Credentials:

  Includes usernames, passwords, and authentication details required to access the User Panel.

• User Communications:

  Includes messages and requests submitted via the Support Center, live chat, or email correspondence.

Additionally, FB may collect non-personal data related to Website use, including:

• Device Information:

  Browser type, IP address, operating system, and screen resolution.

• Website Analytics:

  Cookies, session logs, and tracking technologies to analyze browsing behavior and improve the Website.

• Geolocation Data:

  Subject to User consent, location data may be collected for fraud prevention and compliance purposes.

• Data Encryption:

  All sensitive data is encrypted during transmission and storage where applicable.

• Access Controls:

  Restricted access to User data based on job role and necessity.

• Firewall and Monitoring:

  Continuous monitoring of network traffic to detect and prevent security breaches.

• Secure Payment Processing:

  Payment information is processed exclusively through PCI-DSS-compliant third-party providers.

FB retains User data only as long as necessary to fulfill service obligations, comply with legal requirements, and resolve disputes. Data retention policies include:

• Transactional Records:

  Retained for at least 7 years for regulatory and tax compliance.

• User Accounts:

  Retained indefinitely unless deactivated or requested for deletion.

• Inactive Accounts:

  Accounts that remain unused for 3 years may be automatically deleted.

• Customer Support Inquiries:

  Retained for up to 2 years to assist with historical support requests.