Terms of Service

1. Acceptance of Terms

Welcome to FranchiseStack. These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," "your") and Steeled Inc., a Delaware Corporation ("Company," "we," "us," "our"), governing your access to and use of the FranchiseStack platform, website located at franchisestack.ai, and all related services, applications, content, and functionality (collectively, the "Service").

By accessing, browsing, or using the Service in any manner, including but not limited to visiting the website, creating an account, subscribing to a plan, generating reports, or utilizing any AI-powered features, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference.

If you are using the Service on behalf of a business, corporation, partnership, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, and the terms "you" and "your" shall refer to such entity.

If you do not agree to all of the terms and conditions set forth in this Agreement, you must immediately discontinue use of the Service. Your continued use of the Service following the posting of any changes to these Terms constitutes acceptance of those changes.

You represent that you are at least 18 years of age and have the legal capacity to enter into this Agreement. If you are under 18 years of age, you may not use the Service.

2. Description of Service

FranchiseStack is an AI-powered franchise intelligence platform designed to provide data-driven analysis, educational reference materials, and organizational tools for individuals and entities researching franchise investment opportunities. The Service includes, but is not limited to, the following features and capabilities:

• AI Franchise Matching: Algorithmic matching of user investor profiles against a database of franchise opportunities, scored and ranked by fit across capital requirements, skills, lifestyle preferences, and investment goals.
• FDD Intelligence: AI-powered analysis and summarization of publicly available information related to Franchise Disclosure Documents (FDDs), including but not limited to fee structures, earnings representations (Item 19), litigation history, and franchisee obligations.
• ROI Calculator: Financial modeling tools that generate projected return-on-investment scenarios based on user-provided inputs, publicly available franchise data, territory demographics, and operating cost estimates.
• Territory Intelligence: Demographic analysis, competitor density mapping, and market saturation scoring for franchise territories based on publicly available data sources.
• Due Diligence Tracker: Organizational workspace for managing the franchise evaluation process, including checklists, document management, and progress tracking from initial research through agreement signing.
• Franchisee Network: Community features enabling connection with current and former franchisees for validation and informational purposes.
• Report Generation: AI-generated reports, analyses, comparisons, and summaries related to franchise opportunities, industries, and markets.

The Service is provided on an "as available" basis. We reserve the right to modify, suspend, or discontinue any feature or aspect of the Service at any time, with or without notice, and without liability to you or any third party. We do not guarantee that the Service will be available at all times or that it will be free from errors, interruptions, or security vulnerabilities.

3. User Accounts & Registration

To access certain features of the Service, you must create a user account ("Account"). When creating an Account, you agree to:

• Provide accurate, current, and complete information during the registration process.
• Maintain and promptly update your Account information to keep it accurate, current, and complete.
• Maintain the security and confidentiality of your login credentials, including your password and any authentication tokens.
• Accept responsibility for all activities that occur under your Account, whether or not authorized by you.
• Immediately notify us at franchisestack@polsia.app if you become aware of any unauthorized use of your Account or any other breach of security.

You may not create an Account using a false identity, impersonate another person, or use another person's Account without their express permission. You may not create multiple Accounts for the purpose of circumventing plan limitations, usage restrictions, or any other provisions of these Terms.

We reserve the right to suspend or terminate your Account at any time, for any reason, including but not limited to violation of these Terms, suspected fraudulent activity, or extended periods of inactivity. Upon termination, your right to access the Service will immediately cease.

Account Security

You are solely responsible for safeguarding the credentials used to access your Account. We are not liable for any loss or damage arising from your failure to maintain the confidentiality of your Account credentials. You agree not to share your login credentials with any third party. If you suspect your credentials have been compromised, you must change your password immediately and contact us at franchisestack@polsia.app.

4. Subscription Plans & Pricing

FranchiseStack offers a tiered subscription model designed to serve franchise researchers, investors, serious buyers, and professional advisors. The following subscription plans are available:

Per-Output Pricing

In addition to subscription plans, certain premium outputs and analyses are available on a per-output basis. Per-output pricing applies to specialized reports, deep-dive analyses, and custom research that exceeds the scope of your subscription plan's included features. Per-output pricing is clearly disclosed before purchase, and you will have the opportunity to review and confirm the cost before any charge is applied. Per-output charges are non-refundable once the output has been generated and delivered.

Plan Changes

You may upgrade or downgrade your subscription plan at any time through your Account settings. Upgrades take effect immediately, and you will be charged the prorated difference for the remainder of your current billing period. Downgrades take effect at the start of the next billing period, and you will retain access to your current plan's features until that date. No refunds or credits are issued for partial billing periods when downgrading.

Price Changes

We reserve the right to modify subscription pricing at any time. If we increase the price of your subscription plan, we will provide you with at least thirty (30) days' advance notice via email to the address associated with your Account. Your continued use of the Service after the price change takes effect constitutes your acceptance of the new pricing. If you do not agree to the new pricing, you may cancel your subscription before the change takes effect.

5. Payment Terms & Billing

By subscribing to a paid plan, you agree to the following payment terms:

Billing Cycle

Paid subscriptions are billed on a monthly recurring basis. Your billing cycle begins on the date you first subscribe to a paid plan, and you will be billed on the same date each subsequent month. If the billing date falls on a day that does not exist in a given month (e.g., the 31st), you will be billed on the last day of that month.

Payment Methods

We accept payment via credit card, debit card, and other payment methods as made available through our payment processing partners. You authorize us to charge your selected payment method for all fees associated with your subscription plan and any per-output purchases. You are responsible for keeping your payment information current and accurate.

Automatic Renewal

All paid subscriptions automatically renew at the end of each billing period unless you cancel your subscription before the renewal date. You may cancel at any time through your Account settings or by contacting us at franchisestack@polsia.app. Cancellation takes effect at the end of the current billing period, and you will retain access to paid features until that date.

Refund Policy

Subscription fees are generally non-refundable. However, if you believe you have been charged in error or have experienced a significant and demonstrable service failure, you may request a refund by contacting us at franchisestack@polsia.app within fourteen (14) days of the charge in question. Refund requests are reviewed on a case-by-case basis at our sole discretion. Per-output charges are non-refundable once the output has been generated and delivered to you.

Failed Payments

If we are unable to process a payment using your selected payment method, we will notify you and may retry the charge. If payment remains unsuccessful after a reasonable number of retries, we reserve the right to suspend or downgrade your Account to the Explorer (Free) plan until payment is successfully processed. You remain responsible for all outstanding charges.

Taxes

All prices are exclusive of applicable taxes unless otherwise stated. You are responsible for paying all applicable federal, state, local, and international taxes, duties, and other governmental charges associated with your use of the Service, excluding taxes based solely on our net income.

6. FTC/SEC Regulatory Disclaimer

FranchiseStack is an educational technology platform that provides AI-generated analyses, data aggregation, and organizational tools for informational and research purposes only. The Service is not a registered investment adviser, broker-dealer, franchise broker, or financial planner under any federal or state law, including but not limited to:

• The Investment Advisers Act of 1940, as amended
• The Securities Exchange Act of 1934, as amended
• The FTC Franchise Rule (16 C.F.R. Part 436)
• Any state franchise relationship laws, registration requirements, or business opportunity statutes

No content, output, analysis, report, recommendation, score, or any other material generated by or accessible through the Service constitutes investment advice, legal advice, tax advice, financial planning, or a recommendation to buy, sell, invest in, or enter into any franchise agreement, business relationship, or financial transaction.

All franchise matching scores, ROI projections, FDD summaries, territory analyses, and other outputs are provided solely for informational and educational purposes. They are not substitutes for professional due diligence, legal counsel, financial advice, or independent verification of franchise disclosure documents.

You acknowledge and agree that:

• Franchise investment decisions involve substantial risk, including the potential loss of your entire investment.
• Past performance data, earnings representations, and projections do not guarantee future results.
• You should consult with qualified legal, financial, and business professionals before making any franchise investment decision.
• You are solely responsible for your own due diligence and investment decisions.
• FranchiseStack does not verify the accuracy, completeness, or timeliness of franchise disclosure documents or any data provided by franchisors.
• State franchise registration requirements vary, and some franchise offerings may not be registered or exempt in your state.

7. AI-Generated Content Disclaimer

The Service utilizes artificial intelligence (AI) and machine learning technologies to generate analyses, reports, summaries, scores, projections, and other content ("AI-Generated Content"). By using the Service, you acknowledge and agree to the following:

• No Guarantee of Accuracy: AI-Generated Content may contain errors, inaccuracies, omissions, outdated information, or misinterpretations. AI models can produce outputs that appear authoritative but are incorrect, incomplete, or misleading. You should independently verify all AI-Generated Content before relying on it for any purpose.
• Not Professional Advice: AI-Generated Content does not constitute legal, financial, investment, tax, accounting, or any other form of professional advice. It is intended solely as educational reference material to assist your independent research and evaluation process.
• Limitations of AI Technology: AI models operate based on patterns in training data and may not reflect the most current information, regulatory changes, market conditions, or franchise-specific developments. AI outputs may reflect biases present in training data or algorithmic design.
• Data Sources: AI-Generated Content is derived from publicly available information, user-provided inputs, and third-party data sources. We do not guarantee the accuracy, completeness, reliability, or timeliness of any underlying data source.
• No Endorsement: The inclusion of any franchise, franchisor, brand, or business opportunity in AI-Generated Content does not constitute an endorsement, recommendation, or approval by FranchiseStack or Steeled Inc.
• Dynamic Outputs: AI-Generated Content may vary between queries, sessions, and users, even when based on similar inputs. AI models are updated periodically, and outputs may change over time.

You assume all risk associated with your use of and reliance on AI-Generated Content. For a more detailed explanation of our AI practices, please review our AI Disclaimer page.

8. Intellectual Property

The Service, including but not limited to the website, software, algorithms, AI models, user interface designs, visual elements, logos, trademarks, service marks, trade names, text, graphics, images, data compilations, and all other content and materials made available through the Service (collectively, "Company Materials"), are the exclusive property of Steeled Inc. or its licensors and are protected by United States and international intellectual property laws, including copyright, trademark, patent, and trade secret laws.

License to Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal or internal business purposes. This license does not include the right to:

• Modify, copy, reproduce, distribute, republish, display, perform, transmit, or create derivative works from any Company Materials, except as expressly permitted by your subscription plan.
• Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, algorithms, or underlying technology of the Service.
• Remove, alter, or obscure any proprietary notices, labels, or marks on the Service or Company Materials.
• Use any data mining, scraping, crawling, or similar automated data-gathering methods to extract content from the Service.
• Sublicense, sell, resell, transfer, assign, or otherwise commercially exploit or make available to any third party the Service or Company Materials, except as expressly permitted by the Advisor plan.

Trademarks

"FranchiseStack," the FranchiseStack logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Steeled Inc. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans that appear on the Service are the trademarks of their respective owners.

Reports and Outputs

Subject to the restrictions in these Terms, you may use AI-Generated Content and reports produced by the Service for your personal evaluation, internal business purposes, and decision-making processes. Advisor plan subscribers may use reports in client-facing contexts as permitted by their plan terms. You may not publicly redistribute, resell, or commercially exploit AI-Generated Content without our express written consent.

9. User Content & Data

"User Content" refers to any information, data, text, documents, files, investor profiles, preferences, notes, feedback, or other materials that you upload, submit, provide, or make available through the Service.

Ownership

You retain all ownership rights to your User Content. We do not claim ownership of any User Content that you submit to the Service.

License Grant

By submitting User Content to the Service, you grant Steeled Inc. a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, process, adapt, modify, and display your User Content solely for the purpose of providing, maintaining, and improving the Service. This license includes the right to process your User Content through AI models to generate personalized analyses and recommendations.

User Representations

You represent and warrant that:

• You own or have the necessary rights and permissions to submit all User Content.
• Your User Content does not violate the rights of any third party, including intellectual property rights, privacy rights, or contractual obligations.
• Your User Content does not contain any material that is unlawful, defamatory, obscene, or otherwise objectionable.
• Any financial data, investment information, or personal details you provide are accurate to the best of your knowledge.

Data Handling

We handle your User Content and personal data in accordance with our Privacy Policy. We implement commercially reasonable security measures to protect your data. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security of your data.

Data Retention

We retain your User Content for as long as your Account is active or as needed to provide the Service. Upon Account termination or deletion, we will delete or anonymize your User Content within a commercially reasonable timeframe, except as required to comply with legal obligations, resolve disputes, or enforce our agreements.

10. Prohibited Uses

You agree not to use the Service for any unlawful purpose or in any manner that violates these Terms. Specifically, you agree not to:

• Use the Service to provide investment advice, financial planning services, or franchise brokerage services to third parties without appropriate professional licenses and registrations.
• Misrepresent AI-Generated Content as professional investment advice, legal counsel, or as analysis conducted or endorsed by any regulatory body, including the FTC, SEC, or any state franchise regulatory authority.
• Share, redistribute, or resell AI-Generated Content, reports, or any other outputs from the Service for commercial purposes except as expressly permitted by your subscription plan.
• Use the Service to engage in any form of fraud, deception, or misrepresentation in connection with franchise sales, investments, or business transactions.
• Scrape, crawl, index, data-mine, or use any automated means to access, collect, or extract data from the Service.
• Attempt to interfere with, disrupt, or compromise the integrity, security, or proper functioning of the Service, including its servers, networks, databases, or any connected systems.
• Upload or transmit viruses, malware, trojan horses, worms, or any other malicious code or software.
• Bypass, circumvent, or attempt to bypass or circumvent any security features, access controls, usage limits, or technical limitations of the Service.
• Create multiple accounts to circumvent plan limitations, free trial restrictions, or usage quotas.
• Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity.
• Use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party's use of the Service.
• Harvest, collect, or store personal information about other users of the Service without their express consent.
• Use the Service to send unsolicited communications, spam, or promotional materials.
• Violate any applicable local, state, national, or international law, regulation, or ordinance.

Violation of any of these prohibited uses may result in immediate termination of your Account and access to the Service, without refund, and may subject you to civil and criminal liability.

11. Third-Party Services & Links

The Service may contain links to, integrations with, or references to third-party websites, services, applications, content, or resources ("Third-Party Services") that are not owned, controlled, or operated by Steeled Inc. Third-Party Services may include, but are not limited to, franchisor websites, franchise broker platforms, financial institutions, payment processors, data providers, and social media platforms.

We do not endorse, approve, control, or assume responsibility for any Third-Party Services, including their content, products, services, privacy practices, security measures, or terms of use. Your interactions with Third-Party Services, including any transactions, data sharing, or communications, are solely between you and the applicable third party.

You acknowledge and agree that:

• We are not responsible or liable for any damage, loss, or harm arising from your use of or reliance on any Third-Party Services.
• Your use of Third-Party Services is at your own risk and subject to the terms and conditions and privacy policies of those services.
• The inclusion of any link to or integration with a Third-Party Service does not imply our endorsement or affiliation with that service.
• Third-Party Services may collect your data in accordance with their own privacy policies, which may differ from ours.

We encourage you to review the terms of service and privacy policies of any Third-Party Services before engaging with them.

12. Privacy

Your privacy is important to us. Our collection, use, storage, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your information as described in the Privacy Policy.

Key aspects of our data practices include:

• We collect information you provide directly (Account registration, investor profiles, preferences) and information collected automatically (usage data, device information, analytics).
• We use your information to provide, personalize, and improve the Service, including training and improving our AI models.
• We implement commercially reasonable security measures to protect your personal information and financial data.
• We do not sell your personal information to third parties.
• We may share aggregated, de-identified data for analytics and research purposes.

For complete details on our data practices, including your rights regarding your personal information, please review our full Privacy Policy.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL STEELED INC., ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUBSIDIARIES, LICENSORS, OR SERVICE PROVIDERS (COLLECTIVELY, THE "COMPANY PARTIES") BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Damages for loss of profits, revenue, goodwill, data, or other intangible losses.
• Damages arising from any investment decision, franchise agreement, business transaction, or financial loss based on or related to your use of the Service or AI-Generated Content.
• Damages arising from the unauthorized access to, alteration of, or loss of your data or User Content.
• Damages arising from the conduct of any third party on the Service, including other users, franchisors, franchisees, or service providers.
• Damages arising from any interruption, suspension, or termination of the Service.
• Damages arising from any errors, inaccuracies, or omissions in AI-Generated Content, data, reports, or other materials provided through the Service.

THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY UPON WHICH THE CLAIM IS BASED, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, WARRANTY, OR OTHERWISE, AND EVEN IF THE COMPANY PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE COMPANY PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU HAVE PAID TO US IN SUBSCRIPTION FEES DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, THE ABOVE LIMITATIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

14. Indemnification

You agree to indemnify, defend, and hold harmless Steeled Inc. and its directors, officers, employees, agents, affiliates, subsidiaries, licensors, and service providers (collectively, the "Indemnified Parties") from and against any and all claims, demands, actions, suits, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:

• Your use of or access to the Service.
• Your violation of these Terms or any applicable law, regulation, or ordinance.
• Your violation of any rights of a third party, including intellectual property rights, privacy rights, or contractual obligations.
• Any User Content you submit, upload, or make available through the Service.
• Any investment decision, franchise agreement, or business transaction you enter into based on or related to your use of the Service.
• Any misrepresentation of AI-Generated Content as professional investment advice, legal counsel, or regulatory analysis.
• Any claim by a third party arising from your use of AI-Generated Content, reports, or other outputs from the Service.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with us in asserting any available defenses. You agree not to settle any claim without our prior written consent.

15. Disclaimers & Warranties

THE SERVICE, INCLUDING ALL CONTENT, FEATURES, AI-GENERATED CONTENT, DATA, REPORTS, ANALYSES, AND MATERIALS MADE AVAILABLE THROUGH THE SERVICE, IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STEELED INC. EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
• ANY WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, EXPECTATIONS, OR INTENDED PURPOSES.
• ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.
• ANY WARRANTY REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, OR AVAILABILITY OF ANY CONTENT, DATA, OR AI-GENERATED CONTENT PROVIDED THROUGH THE SERVICE.
• ANY WARRANTY THAT AI-GENERATED CONTENT WILL BE FREE FROM ERRORS, BIASES, HALLUCINATIONS, OR MISREPRESENTATIONS.
• ANY WARRANTY REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE.
• ANY WARRANTY THAT FRANCHISE MATCHING SCORES, ROI PROJECTIONS, OR TERRITORY ANALYSES WILL BE ACCURATE OR PREDICTIVE OF ACTUAL OUTCOMES.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM THE COMPANY PARTIES OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

YOU ACKNOWLEDGE THAT FRANCHISE INVESTMENT INVOLVES SUBSTANTIAL RISK AND THAT ALL INVESTMENT DECISIONS ARE MADE AT YOUR OWN RISK. THE SERVICE IS A RESEARCH AND EDUCATIONAL TOOL AND IS NOT A SUBSTITUTE FOR PROFESSIONAL DUE DILIGENCE, LEGAL COUNSEL, OR FINANCIAL ADVICE.

16. Modification of Terms

We reserve the right to modify, amend, or update these Terms at any time, at our sole discretion. When we make changes, we will update the "Last Updated" date at the top of these Terms and, for material changes, we will provide notice through one or more of the following methods:

• Posting a prominent notice on the Service or website.
• Sending an email notification to the address associated with your Account.
• Displaying an in-app notification upon your next login.

For material changes that significantly affect your rights or obligations under these Terms, we will provide at least thirty (30) days' advance notice before the changes take effect. Non-material changes, such as corrections of typographical errors, clarifications of existing provisions, or updates to contact information, may take effect immediately upon posting.

Your continued use of the Service after the effective date of any modification constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service and, if applicable, cancel your subscription before the changes take effect.

It is your responsibility to review these Terms periodically. We encourage you to check this page regularly for updates.

17. Termination

Termination by You

You may terminate your Account and stop using the Service at any time by canceling your subscription through your Account settings or by contacting us at franchisestack@polsia.app. If you have a paid subscription, cancellation takes effect at the end of your current billing period, and you will not be charged for subsequent periods. No refunds are issued for any remaining portion of your current billing period.

Termination by Us

We may suspend or terminate your Account and access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms, including the Prohibited Uses set forth in Section 10.
• Suspected fraudulent, abusive, or illegal activity.
• Non-payment of subscription fees or other amounts owed.
• Extended periods of Account inactivity.
• Requests by law enforcement or government agencies.
• Discontinuation or material modification of the Service.
• Unexpected technical or security issues.

Effects of Termination

Upon termination of your Account, regardless of the reason:

• Your right to access and use the Service will immediately cease.
• We may delete your Account information, User Content, and associated data in accordance with our data retention practices and Privacy Policy.
• Any outstanding payment obligations incurred prior to termination remain due and payable.
• Sections of these Terms that by their nature should survive termination shall continue in full force and effect, including but not limited to Sections 6, 7, 8, 13, 14, 15, 18, 19, and 20.

Data Export

Prior to Account termination, you may request a copy of your User Content by contacting us at franchisestack@polsia.app. We will make commercially reasonable efforts to provide your data in a commonly used, machine-readable format within thirty (30) days of your request.

18. Governing Law

These Terms, and any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Service, or the subject matter hereof, shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without giving effect to any choice or conflict of law provision or rule that would cause the application of the laws of any other jurisdiction.

To the extent that any lawsuit or court proceeding is permitted under these Terms (see Section 19, Dispute Resolution), you agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in the State of Delaware for the purpose of litigating any such dispute, claim, or controversy.

19. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") informally by contacting us at franchisestack@polsia.app with a written description of the Dispute, including the nature and basis of the claim and the specific relief sought. We will attempt to resolve the Dispute through good-faith email correspondence for a period of at least sixty (60) days from the date we receive your written description.

Binding Arbitration

If the Dispute cannot be resolved informally within the sixty (60) day period described above, you and Steeled Inc. agree that the Dispute shall be resolved exclusively through final and binding arbitration, rather than in court, except that either party may bring an individual action in small claims court if the claim qualifies.

Arbitration shall be administered by the American Arbitration Association ("AAA") in accordance with the AAA's Consumer Arbitration Rules then in effect, which are available at www.adr.org. The arbitration shall be conducted by a single arbitrator selected in accordance with the AAA rules. The arbitration shall be conducted on the basis of written submissions and documentary evidence, without an in-person hearing, unless the arbitrator determines that an in-person or telephonic hearing is necessary.

The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The arbitrator shall have the authority to award any relief that would be available in a court of law, including injunctive and declaratory relief.

Class Action Waiver

YOU AND STEELED INC. AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING.

Jury Trial Waiver

IF FOR ANY REASON A DISPUTE PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND STEELED INC. EACH WAIVE ANY RIGHT TO A JURY TRIAL.

Costs and Fees

Payment of all filing, administration, and arbitrator fees shall be governed by the AAA's rules. If the arbitrator finds that either the substance of your claim or the relief sought is frivolous or brought for an improper purpose, the arbitrator may award the prevailing party its reasonable attorneys' fees and costs.

Opt-Out

You may opt out of the binding arbitration and class action waiver provisions of this Section 19 by sending written notice of your decision to opt out to franchisestack@polsia.app with the subject line "Arbitration Opt-Out" within thirty (30) days of your first use of the Service. Your notice must include your full name, Account email address, and a clear statement that you wish to opt out of the arbitration and class action waiver provisions. If you opt out, all other provisions of these Terms will continue to apply.

20. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Service, or if you need to contact us for any reason related to your use of the Service, please reach out to us at:

Email: franchisestack@polsia.app

We will make commercially reasonable efforts to respond to all inquiries within five (5) business days.

For dispute resolution matters, please refer to Section 19 above and include "Dispute" in your email subject line to ensure prompt routing to the appropriate team.

For Account-related issues, including billing inquiries, data export requests, or Account deletion requests, please include your Account email address and a description of your request.