Terms of Service for Legal Karma Inc.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THIS SITE.
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By using the Legal Karma Inc. website (the "Site") or any Legal Karma applications or application plug-ins ("Applications"), you agree to follow and be bound by these terms of service ("Terms of Service" or “Terms”) and agree to comply with all applicable laws and regulations, including United States export and re-export control laws and regulations. In these Terms of Service, the words "you" and "your" refer to each customer, Site visitor, or Application user, "we", "us" and "our" refer to Legal Karma Inc., and "Services" refers to all services provided by us.
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It is your responsibility to review these Terms of Service periodically. If at any time you find these Terms of Service unacceptable or if you do not agree to these Terms of Service, please do not use this Site or any Applications. We may revise these Terms of Service at any time without notice to you. If you have any questions about these Terms of Service, please contact our Customer Care Center.
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YOU AGREE THAT BY USING THE SITE, ANY APPLICATIONS, AND THE SERVICES YOU ARE AT LEAST 18 YEARS OF AGE AND YOU ARE LEGALLY ABLE TO ENTER INTO A CONTRACT.
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These Terms require the use of arbitration on an individual basis to resolve disputes, rather than jury trials or class actions, and also limit the remedies available to you in the event of a dispute, as described in Section 8 below.
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THIS SITE AND APPLICATIONS ARE NOT INTENDED TO CREATE ANY ATTORNEY-CLIENT RELATIONSHIP, AND YOUR USE OF LEGAL KARMA DOES NOT AND WILL NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP BETWEEN YOU AND LEGAL KARMA. LEGAL KARMA PROVIDES ACCESS TO FILLABLE FORMS YOU MAY USE TO CREATE ESTATE PLANNING DOCUMENTS. LEGAL KARMA IS NOT A LAW FIRM NOR ARE WE ATTORNEYS. LEGAL KARMA IS NOT THE SUBSTITUTE FOR AN ATTORNEY OR LAW FIRM. LEGAL KARMA DOES NOT PROVIDE LEGAL ADVICE NOR LEGAL SERVICE.  AT NO TIME DO WE REVIEW YOUR ANSWERS FOR LEGAL SUFFICIENCY. LEGAL KARMA STRIVES TO KEEP OUR TEMPLATES CURRENT AND UP TO DATE. HOWEVER, BECAUSE THE LAW CHANGES RAPIDLY, WE CANNOT GUARANTEE THAT ALL OF THE INFORMATION ON THE SITE OR APPLICATIONS IS COMPLETELY CURRENT. ANY INFORMATION PROVIDED ON THE SITE OR APPLICATIONS IS NOT LEGAL ADVICE.
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1. Privacy Policy. Legal Karma respects your privacy and handles your personal information in accordance with its Privacy Policy, which is expressly incorporated into these Terms by reference and available at www.legalkarma.io/privacy. By using the Site, Applications, or Services, you acknowledge that you have read and understood the Privacy Policy.
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In connection with the use of certain Legal Karma products or services, you may be asked to provide personal information in a questionnaire, application, form, or similar document or service. This information will be protected pursuant to our Privacy Policy. You grant Legal Karma a worldwide, royalty-free, nonexclusive, and fully sublicensable license to use, distribute, reproduce, modify, publish, and translate this personal information for the purpose of: (a) enabling your use of the applicable service; and (b) marketing and re-engagement communications as described in the Privacy Policy, including direct mail programs conducted in accordance with our Privacy Policy. You may revoke this license and terminate rights held by Legal Karma at any time by removing your personal information from the applicable service, subject to any applicable opt-out procedures described in the Privacy Policy.
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2. Data Rights and Opt Outs: By using the Services, you acknowledge that Legal Karma may use your personal information, including your email address, for re-engagement and promotional marketing communications, including by postal mail, as more fully described in our Privacy Policy. You have the right to opt out of such communications at any time by following the procedures set forth in the “Choice/Opt Out” section of the Privacy Policy. Your use of the Services and receipt of marketing communications are independent; opting out of marketing communications does not affect your ability to access and use the Services.
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California residents and residents of other states with applicable comprehensive privacy laws have additional rights with respect to their personal data, as described in the “State Privacy Rights” section of the Privacy Policy.
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3. Ownership. This Site and Applications are owned and operated by Legal Karma Inc. All right, title and interest in and to the materials provided on this Site and Applications, including but not limited to information, documents, logos, graphics, sounds and images (the "Materials") are owned either by Legal Karma or by our respective third party authors, developers or vendors ("Third Party Providers"). Except as otherwise expressly provided by Legal Karma, none of the Materials may be copied, reproduced, republished, downloaded, uploaded, posted, displayed, transmitted or distributed in any way and nothing on this Site or on any Applications shall be construed to confer any license under any of Legal Karma's intellectual property rights, whether by estoppel, implication or otherwise. See the "Legal Contact Information" below if you have any questions about obtaining such licenses. Legal Karma does not sell, license, lease or otherwise provide any of the Materials other than those specifically identified as being provided by Legal Karma. All rights granted under these Terms are conditioned on your continued authorization through a participating Partner. When such authorization ends, any license or permission automatically terminates. Any rights not expressly granted herein are reserved by Legal Karma.
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4. Limited Permission to Download. Legal Karma hereby grants you permission to download, view, copy and print the Materials solely for the purpose of providing estate planning services to your customers, provided that (i) where provided, the copyright and trademark notices appearing on any Materials not be altered or removed, (ii) the Materials are not used on any other website or in a networked computer environment and (iii) the Materials are not modified in any way, except for authorized editing of downloadable forms for use by you or your customers in connection with the provision of estate planning services. This permission terminates automatically without notice if you breach any of the terms or conditions of these Terms of Service. On any such termination, you agree to immediately destroy any downloaded or printed Materials. Any unauthorized use of any Materials contained on this Site or Applications may violate copyright laws, trademark laws, laws of privacy and publicity and communications regulations and statutes.

5. Links to Third Party Sites. This Site and Applications may contain links to websites controlled by parties other than Legal Karma (each a "Third Party Site"). Legal Karma works with a number of partners and affiliates whose sites are linked with Legal Karma. Legal Karma may also provide links to other citations or resources with whom it is not affiliated. Legal Karma is not responsible for and does not endorse or accept any responsibility for the availability, contents, products, services or use of any Third Party Site, any website accessed from a Third Party Site or any changes or updates to such sites. Legal Karma makes no guarantees about the content or quality of the products or services provided by such sites. Legal Karma is not responsible for webcasting or any other form of transmission received from any Third Party Site. Legal Karma is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Legal Karma of the Third Party Site, nor does it imply that Legal Karma sponsors, is affiliated or associated with, guarantees, or is legally authorized to use any trade name, registered trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the links. You acknowledge that you bear all risks associated with access to and use of content provided on a Third Party Site and agree that Legal Karma is not responsible for any loss or damage of any sort you may incur from dealing with a third party. You should contact the site administrator for the applicable Third Party Site if you have any concerns regarding such links or the content located on any such Third Party Site.

6. Sharing Access: You may be provided with the ability to share access to your documents or information with third parties ("Shared Access"). You may also be a recipient ("Delegate") who receives the ability to access the information and documents of another user. All use of Shared Access is at your own risk.

If you enable Shared Access, you grant the designated Delegate the ability to access, view, and download your documents or other information in your account, as you may elect. You understand that a Delegate could potentially disclose or redisclose your information and documents, and that such disclosure may not be fully prevented by later disabling Shared Access. You may revoke Shared Access through your account at any time, but revocation will be effective prospectively only and will not affect any actions already taken by a Delegate.

Both users who enable Shared Access and Delegates who access information through Shared Access agree to be solely responsible for their own actions. You agree that Legal Karma has no liability related to any use of the Shared Access functionality, including any decision to enable or disable Shared Access or any actions taken by a Delegate. For additional information about how your data is handled in connection with Shared Access, see the "Shared Access" section of our Privacy Policy.

The Shared Access feature may be enabled, disabled, or modified by Legal Karma in its sole discretion.

7. Pricing Terms; Refunds; Revisions.  Each purchase or download of the Materials is subject to the pricing terms in effect at the time of purchase or download.  The main goal is to provide Materials you are satisfied with and meet your needs. We have carefully designed our Materials and believe in their quality. If you are not satisfied with your Materials, please contact us to request a refund within 30 days of the purchase or download. If you purchased access to the Services or Materials through a Partner, refunds and revisions may be administered by that Partner and may be subject to that Partner’s applicable terms.
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Every purchase or download entitles you to two (2) free revisions to the Materials, provided the revisions are requested within one hundred eighty (180) days of the date of the purchase or download and that you continue to have access to the Services.
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8. DISPUTE RESOLUTION; BINDING ARBITRATION PLEASE READ THIS SECTION CAREFULLY BECAUSE IT REQUIRES YOU AND LEGAL KARMA TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH WE CAN SEEK RELIEF FROM EACH OTHER, UNLESS YOU OPT OUT OF ARBITRATION BY FOLLOWING THE INSTRUCTIONS SET FORTH IN SECTION 8(g), BELOW. NO CLASS OR REPRESENTATIVE ACTIONS OR ARBITRATIONS ARE ALLOWED UNDER THIS ARBITRATION PROVISION. IN ADDITION, ARBITRATION PRECLUDES YOU AND LEGAL KARMA FROM SUING IN COURT OR HAVING A JURY TRIAL.
- a. No Representative Actions. You and Legal Karma agree that any dispute or claim between us, including those arising out of or related to these Terms or our Services, is personal to you and Legal Karma and that any dispute will be resolved solely through individual action, and will not be brought as a class arbitration, class action or any other type of representative proceeding. For the purposes of this Arbitration Agreement, references to "Legal Karma," "you," and "us" include our respective subsidiaries, affiliates, agents, employees, employers, business partners, shareholders, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries of services or products under these Terms or any prior agreements between us. Beneficiaries include, but are not limited to, those named in an estate planning document.
- b. Arbitration of Disputes. Most concerns can be resolved quickly and to the customer's satisfaction by calling our Customer Care Center at 737.210.3994. In the unlikely event that the Legal Karma Customer Care Center is unable to resolve your complaint to your satisfaction (or if we have not been able to resolve a dispute after attempting to do so informally), this Section 8 applies. Except for (i) individual actions in small claims court located in the county of your billing address or (ii) actions in court seeking injunctive or other equitable relief for the alleged infringement or misappropriation of intellectual property, you and Legal Karma agree to waive your rights to a jury trial and to have any dispute or claim arising out of or relating to any aspect of the relationship between us (collectively, “Disputes”) resolved by binding arbitration. Disputes include, but are not limited to, (a) those arising out of or related to these Terms or our Services, and (b) those related to advertising, privacy, data security, and the use of our website. This Arbitration Agreement applies to all Disputes based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, Disputes arising before you accepted these or any prior Terms, Disputes that are currently the subject of purported class action litigation in which you are not a member of a certified class, and Disputes asserted against Legal Karma by those you list as authorized contacts on your order.
- c. Arbitration Procedures. For any Dispute that you have against Legal Karma, or that Legal Karma has against you, you and Legal Karma agree to attempt to resolve the Dispute informally via the following process. If you assert a claim against Legal Karma, you will first contact Legal Karma by sending a written notice of your Dispute (“Claimant Notice”) to Legal Karma by U.S. certified mail addressed to Notice of Dispute, 14205 N Mo Pac Expy Ste 570 PMB 316042 Austin, Texas 78728-6529; a courtesy copy of the Notice should also be sent by email to info@LegalKarma.io. The Claimant Notice must (a) include your name, address, email address, and telephone number; (b) describe the nature and basis of the Dispute; and (c) set forth the specific relief sought. For any Dispute that Legal Karma may have against you, we will provide you notice (“Legal Karma Notice”) in similar form to that described above via the mailing address and email address associated with your account. The statute of limitations and any filing fee deadlines shall be tolled for thirty (30) days from the date that either you or Legal Karma first send the applicable Notice so that the parties can engage in this informal dispute resolution process.

If you and Legal Karma cannot reach an agreement to resolve the Dispute within thirty (30) days after notice is provided, then either party may submit the Dispute to binding confidential arbitration administered by the American Arbitration Association (“AAA”) or, under the limited circumstances set forth herein, in court. All Disputes submitted to AAA will be resolved through binding arbitration before one arbitrator. Unless the parties agree in writing to a different location, arbitration proceedings will be held in Travis County, TX. The preceding sentence does not apply to North Carolina consumers.

You and Legal Karma acknowledge that the purpose of this Section 8 is to streamline the dispute resolution process and that Coordinated Filings are likely to frustrate that purpose. As a result, you agree not to assert a demand for arbitration as part of a Coordinated Filing. A “Coordinated Filing” is any demand for arbitration where the underlying claim is similar to at least ten (10) or more other pending demands for arbitration and where representation for that demand is consistent or coordinated with such other demands. Without limiting any remedies, in the event your demand is part of a Coordinated Filing, we may, at our option, decline arbitration and instead litigate the claim in a civil court of competent jurisdiction in accordance with the terms of Section 16.

- d. Individualized Arbitration Proceedings and Remedies. You and Legal Karma agree that these Terms affect interstate commerce and that the enforceability of this Section 8 will be substantively and procedurally governed by the Federal Arbitration Act, 9 U.S.C. § 1, et seq. (the “FAA”), to the maximum extent permitted by applicable law. As limited by the FAA, these Terms and the AAA Rules, the arbitrator will have exclusive authority to grant any relief that would otherwise be available in court and to make all procedural and substantive decisions regarding any Dispute, including those arising out of or relating to interpretation or application of this Arbitration Agreement, including the enforceability, revocability, or validity of the Arbitration Agreement or any portion thereof. The arbitrator may conduct only an individual arbitration and may not consolidate more than one party’s claims, preside over any type of class or representative proceeding, or preside over any proceeding involving more than one claimant.

- e. Confidentiality. The arbitration will allow for the discovery or exchange of non-privileged information relevant to the Dispute. You and Legal Karma agree to cooperate to seek from the arbitrator, protection for any confidential, proprietary, trade secret, or otherwise sensitive information, documents, testimony, and/or other materials that might be exchanged or the subject of discovery in the arbitration. You and Legal Karma agree to seek such protection before any such information, documents, testimony, and/or materials are exchanged or otherwise become the subject of discovery in the arbitration.

- f. Payment of Arbitration Fees. The costs of arbitration shall be governed by the AAA’s fee schedules, available at adr.org/Rules. You and Legal Karma will share equally the costs and fees of AAA Consumer Arbitration. If, however, the arbitrator finds that either the substance of your claim or the relief sought is frivolous or brought for an improper purpose (as measured by the standards in Federal Rule of Civil Procedure 11(b)), then the payment of all AAA fees will be governed by the applicable AAA Rules.

- g. Opt Out of Arbitration. You have the right to opt out of binding arbitration within 30 days of the date you first accepted the terms of this Section 8 by sending, via U.S. certified mail, a written Notice of Opt Out to Legal Karma. The Notice of Opt Out must be addressed to: Notice of Opt Out, Legal Karma Inc., 14205 N Mo Pac Expy Ste 570 PMB 316042 Austin, Texas 78728-6529; a courtesy copy of the Notice of Opt Out should also be sent by email to info@LegalKarma.io. In order to be effective, the opt-out notice must include your full name and address and clearly indicate your intent to opt out of binding arbitration. By opting out of binding arbitration, you are agreeing to resolve Disputes in accordance with Section 16, though, as stated above, you agree any such action will be brought as an individual action, and will not be brought as a class arbitration, class action or any other type of representative proceeding.

- h, Additional Terms. If any portion of this Section 8 is found to be unenforceable or unlawful for any reason, (a) the unenforceable or unlawful provision shall be severed from these Terms; (b) severance of the unenforceable or unlawful provision shall have no impact whatsoever on the remainder of this Section 8 or the parties’ ability to compel arbitration of any remaining claims on an individual basis pursuant to this Section 8; and (c) to the extent that any claims must proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in a civil court of competent jurisdiction and not in arbitration, and the parties agree that litigation of those claims shall be stayed pending the outcome of any individual claims in arbitration.

If you wish to seek public injunctive relief against Legal Karma, such claim (and only such claim) must be severed from the arbitration and brought in court in accordance with the provisions of Section 16.

You and Legal Karma agree that the state or federal courts of the State of Texas and the United States sitting in Travis County, Texas have exclusive jurisdiction over the enforcement of an arbitration award made pursuant to this Arbitration Agreement.

9. Additional Terms. Some Legal Karma Services may be subject to additional posted guidelines, rules or terms of service ("Additional Terms") and your use of such Services will be conditioned on your agreement to the Additional Terms. If there is any conflict between these Terms of Service and the Additional Terms, the Additional Terms will control for that Service, unless the Additional Terms expressly state that these Terms of Service will control.

10. NO WARRANTY & DISCLAIMER. THE SITE, APPLICATIONS, AND ALL MATERIALS, DOCUMENTS OR FORMS PROVIDED ON OR THROUGH YOUR USE OF THE SITE OR APPLICATIONS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, LEGAL KARMA EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

LEGAL KARMA MAKES NO WARRANTY THAT: (A) THE SITE, APPLICATIONS, OR THE MATERIALS WILL MEET YOUR REQUIREMENTS; (B) THE SITE, APPLICATIONS, OR THE MATERIALS WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE BASIS; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, APPLICATIONS, OR ANY MATERIALS OFFERED THROUGH THE SITE OR APPLICATIONS, WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE, APPLICATIONS, OR IN RELIANCE ON THE MATERIALS WILL MEET YOUR EXPECTATIONS. THIS SECTION DOES NOT APPLY TO NORTH CAROLINA CONSUMERS.

OBTAINING ANY MATERIALS THROUGH THE USE OF THE SITE OR APPLICATIONS IS DONE AT YOUR OWN DISCRETION AND AT YOUR OWN RISK. LEGAL KARMA SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY CONTENT, MATERIALS, INFORMATION OR SOFTWARE.

DISCLAIMER:  WE DO NOT REVIEW ANY INFORMATION YOU PROVIDE OR ANY DOCUMENTS YOU CREATE FOR ACCURACY OR LEGAL SUFFICIENCY. WE DO NOT PROVIDE ANY LEGAL ADVICE, LEGAL GUIDANCE, LEGAL RECOMMENDATION, OR INFORMATION ON HOW THE LAW MAY APPLY TO YOUR PARTICULAR FACTS.  IF YOU BELIEVE THAT LEGAL KARMA IS GIVING YOU ANY LEGAL ADVICE, LEGAL OPINIONS, OR LEGAL RECOMMENDATIONS ABOUT YOUR PARTICULAR FACTS OR YOUR RIGHTS, REMEDIES, OPTIONS, OR CHOICE OF FORMS OR STRATEGIES THEN YOU MUST NOT USE THE SERVICES OR ANY DOCUMENTS CREATED.

LEGAL KARMA MAY PROVIDE AN AUTOMATED ERROR REVIEW PROCESS. THIS MAY BE DONE BY HUMAN, TECHNICAL, ARTIFICIAL INTELLIGENCE, OR SOME COMBINATION THEREOF. THIS IS INTENDED TO BE A LIMITED REVIEW FOR COMPLETENESS AND INTERNAL CONSISTENCY OF BASIC INFORMATION YOU PROVIDED. THIS DOES NOT INCLUDE ANY REVIEW OF LEGAL ACCURACY OF INFORMATION OR DOCUMENTS GENERATED, COMPLIANCE WITH APPLICABLE LAW, APPROPRIATENESS OF THE DOCUMENTS FOR YOUR SITUATION OR OBJECTIVES, OR OTHER LEGAL ISSUES.

ANY REVIEW PROCESS IS NOT COMPREHENSIVE, IS NOT GUARANTEED TO BE ACCURATE, AND DOES NOT CONSTITUTE ANY LEGAL ADVICE. IT IS YOUR RESPONSIBILITY AND YOU AGREE TO REVIEW THE FINAL DOCUMENTS BEFORE SIGNING THEM. YOU ACKNOWLEDGE THAT YOU ARE SOLELY RESPONSIBLE FOR THE DOCUMENTS CREATED. IF YOU HAVE ANY QUESTIONS ABOUT THE EFFECT OR SUITABILITY OF THE DOCUMENTS, CONSULT WITH A LICENSED ATTORNEY.

11. LIMITATION OF LIABILITY AND INDEMNIFICATION. EXCEPT AS PROHIBITED BY LAW, YOU WILL HOLD LEGAL KARMA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HARMLESS FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING ATTORNEYS' FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE, ARISING FROM THIS AGREEMENT AND ANY VIOLATION BY YOU OF ANY FEDERAL, STATE, OR LOCAL LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF LEGAL KARMA HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS PROHIBITED BY LAW, IF THERE IS LIABILITY FOUND ON THE PART OF LEGAL KARMA, IT WILL BE LIMITED TO THE AMOUNT PAID FOR THE PRODUCTS AND/OR SERVICES, AND UNDER NO CIRCUMSTANCES WILL THERE BE CONSEQUENTIAL OR PUNITIVE DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE PRIOR LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. THIS SECTION DOES NOT APPLY TO NORTH CAROLINA CONSUMERS.

12. Unsolicited Submissions. Except as may be required in connection with your use of Legal Karma Services, Legal Karma does not want you to submit confidential or proprietary information to us through this Site or any Applications. All comments, feedback, information or material submitted to Legal Karma through or in association with this Site shall be considered non-confidential and Legal Karma's property. By providing such submissions to Legal Karma you hereby assign to Legal Karma, at no charge, all worldwide right, title and interest in and to the submissions and any intellectual property rights associated therewith. Legal Karma shall be free to use and/or disseminate such submissions on an unrestricted basis for any purpose. You acknowledge that you are responsible for the submissions that you provide, including their legality, reliability, appropriateness, originality and content.

13. Compliance with Intellectual Property Laws. When accessing the Site or Applications, you agree to respect the intellectual property rights of others. Your use of the Services is at all times governed by and subject to laws regarding copyright, trademark, and other intellectual property ownership. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content in violation of any third party's copyrights, trademarks, or other intellectual property or proprietary rights. You shall be solely responsible for any violations of any relevant laws and for any infringements of third-party rights caused by any content you provide or transmit, or that is provided or transmitted using your Legal Karma user account.

Repeat Infringer Policy. Legal Karma has adopted a policy that provides for the suspension and/or termination of access for any user who is found to have repeatedly infringed the copyrights of Legal Karma or of any third party, or who has otherwise repeatedly violated intellectual property laws or regulations. Legal Karma reserves the right to remove or disable access to any content that is alleged to be infringing.

Copyright Infringement — Notice. If you believe that material available through the Site or Services infringes your copyright, you may submit a written notification of claimed infringement to Legal Karma's designated Copyright Agent in accordance with the Digital Millennium Copyright Act, 17 U.S.C. § 512(c)(3). Legal Karma's Copyright Agent is registered with the U.S. Copyright Office. Your notification must include:

(1) A physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed;
(2) Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works;
(3) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit Legal Karma to locate the material;
(4) Information reasonably sufficient to permit Legal Karma to contact you, such as an address, telephone number, and, if available, an email address;
(5) A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
(6) A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.

Written notifications must be sent to Legal Karma's designated Copyright Agent:
Legal Karma Inc.
14205 N Mo Pac Expy Ste 570 PMB 316042
Austin, Texas 78728-6529
Email: legal@LegalKarma.io

Counter-Notice. If you believe that content you submitted was removed or disabled as a result of mistake or misidentification, you may submit a written counter-notice to the Copyright Agent containing: (1) your physical or electronic signature; (2) identification of the content that was removed or disabled and the location at which it appeared before removal; (3) a statement under penalty of perjury that you have a good faith belief the content was removed or disabled as a result of mistake or misidentification; and (4) your name, address, telephone number, and email address, a statement that you consent to the jurisdiction of the federal court in Travis County, Texas, and a statement that you will accept service of process from the person who provided the original notification. Upon receipt of a valid counter-notice, Legal Karma may provide a copy to the original complaining party and may restore the removed content after ten (10) business days, unless the copyright owner files a court action, at Legal Karma's sole discretion.

14. Inappropriate Content. When accessing the Site, any Applications, or using Legal Karma's Services, you agree not to upload, download, display, perform, transmit or otherwise distribute any content that: (a) is libelous, defamatory, obscene, pornographic, abusive or threatening; (b) advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or foreign law or regulation; or (c) advertises or otherwise solicits funds or is a solicitation for goods or services. Legal Karma reserves the right to terminate or delete such material from its servers. Legal Karma will cooperate fully with any law enforcement officials or agencies in the investigation of any violation of these Terms of Service or of any applicable laws.

15. Compliance with Export Restrictions. You may not access, download, use or export the Site, Applications, or the Materials in violation of United States export laws or regulations or in violation of any other applicable laws or regulations. You agree to comply with all export laws and restrictions and regulations of any United States or foreign agency or authority and to assume sole responsibility for obtaining licenses to export or re-export as may be required. You acknowledge and agree that the Materials are subject to the United States Export Administration Laws and Regulations and agree that none of the Materials or any direct product therefrom is being or will be acquired for, shipped, transferred or re-exported, directly or indirectly, to proscribed or embargoed countries or their nationals or used for any prohibited purpose.

16. Governing Law; Venue. Any dispute arising from these Terms and your use of the Services or the Site will be governed by and construed and enforced in accordance with the laws of Texas, without regard to conflict of law rules or principles (whether of Texas or any other jurisdiction) that would cause the application of the laws of any other jurisdiction. Any dispute between the parties that is not subject to arbitration or cannot be heard in small claims court will be resolved in the state or federal courts of Texas and the United States, respectively, sitting in Travis County, Texas. You consent to personal and exclusive jurisdiction in these courts.

17. For North Carolina Consumers. Legal Karma will provide blank templates upon request. To request such a template, send written request to Legal Karma by U.S. certified mail addressed to NC Template Request, 14205 N Mo Pac Expy Ste 570 PMB 316042 Austin, Texas 78728-6529; a courtesy copy of the Notice should also be sent by email to info@LegalKarma.io. The request must include your name, address, email address, and telephone number and must describe the templates you are requesting. The forms or templates we offer are not a substitute for the advice or services of an attorney. To the minimum extent required, any provision of these Terms that disclaim warranties or liability or limit the recovery of damages are not applicable to North Carolina consumers and North Carolina consumers are not required to agree to jurisdiction or venue in any state other than North Carolina for the resolution of disputes. We have a consumer satisfaction process to address any questions or concerns regarding any products or services we offer. You may raise any questions or concerns by emailing us at info@LegalKarma.io.

18. Copyrights. All Site design, text, graphics, the selection and arrangement thereof, Copyright © Legal Karma, Inc. ALL RIGHTS RESERVED.

19. Trademarks. LEGAL KARMA, LegalKarma.io, INTAKE GENIE, the two triangle logo, all images and text, and all page headers, custom graphics and button icons are service marks, trademarks and/or trade dress of Legal Karma. All other trademarks, product names and company names or logos cited herein are the property of their respective owners.

20. Right to Refuse. You acknowledge that Legal Karma reserves the right to refuse service to anyone and to cancel user access at any time.

21. Partner-Provided Access; Termination. With limited exception, Legal Karma’s Services are provided to end users through participating credit unions, financial institutions, or other partners (“Partners”). In such situations, access to the Services is made available by or through a Partner under its separate agreement with Legal Karma, and Legal Karma’s obligations under that separate agreement run solely to the relevant Partner. If you obtain access to the Services through a Partner and that Partner discontinues providing access or terminates, suspends, or fails to renew its agreement with Legal Karma, your access to the Services and any associated accounts may be suspended or terminated without further notice. This may override any other provision in these Terms, such as the ability to make revisions to documents after initial purchase. After such termination, Legal Karma will have no obligation to maintain your account, host your documents, or provide ongoing support. Legal Karma may, in its sole discretion, permit limited read-only or download access for a brief period so you may obtain copies of documents previously generated. Thereafter, Legal Karma may delete or deactivate your data in accordance with its data-retention policy; however, Legal Karma may retain copies as required or permitted by law or for legitimate business purposes, including recordkeeping, compliance, fraud prevention, and the establishment, exercise, or defense of legal claims. Legal Karma is not responsible for any Partner’s acts, omissions, or failure to make payments or renewals, or the resulting consequences, which may include limitation or loss of access to the Services. If you are unsure whether your access is provided by or through a Partner, you may email us at info@LegalKarma.io.

22. Acknowledgement. BY USING LEGAL KARMA’S SERVICES OR ACCESSING THE LEGAL KARMA SITE OR APPLICATIONS, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM, INCLUDING THE PRIVACY POLICY INCORPORATED HEREIN BY REFERENCE. YOU FURTHER ACKNOWLEDGE THAT LEGAL KARMA MAY CONTACT YOU VIA EMAIL OR POSTAL MAIL FOR MARKETING AND RE-ENGAGEMENT PURPOSES AS DESCRIBED IN THE PRIVACY POLICY, AND THAT YOU HAVE THE RIGHT TO OPT OUT OF SUCH COMMUNICATIONS AS DESCRIBED THEREIN.  Legal Karma Inc. is located at 14205 N Mo Pac Expy Ste 570 PMB 316042 Austin, Texas 78728-6529.

23. No Third-Party Beneficiaries. Except as expressly stated in these Terms, there are no third-party beneficiaries. End users are not third-party beneficiaries of any agreement between Legal Karma and any Partner.

24. Changes to the Services. We may modify, suspend, or discontinue any part of the Services at any time with or without notice. Where required by law, we will provide notice and/or an opportunity to export your content.

25. Accessibility. Legal Karma is committed to making our Site and Services accessible to all users, including individuals with disabilities. We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, and we continually work to improve the accessibility and usability of our Services. If you experience difficulty accessing any part of our Site, Applications, or Services, or if you have suggestions for improving accessibility, please contact us at info@legalkarma.io or call 737.210.3994. We will make reasonable efforts to address your concerns and to provide the information or service you need through an alternative accessible method.

26. Suspension; Termination for Cause. We may suspend or terminate your access to the Services immediately for violation of these Terms, for fraud or abuse, for non-payment (including a Partner’s non-payment where your access is through that Partner), or as required by law.

27. Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets.

28. Survival; Severability; Waiver. Sections that by their nature should survive termination (including §§1-5, 8, 10-13, 16-21, and 23-28) will survive. If any provision is held unenforceable, it will be modified to the minimum extent necessary to be enforceable, and the remainder will remain in full force. Our failure to enforce any provision is not a waiver.

Last Updated and effective date: April 23, 2026