Copiafy

Terms and Conditions

Welcome to Copiafy, Inc (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website (the “Site”) and any associated services, including our mobile application (the “App”).

By accessing or using the Site or App, you agree to these Terms. If you do not agree, do not use our services. Please read these Terms carefully and keep a copy for your records.

About Copiafy, Inc

Copiafy, Inc is a financial technology platform designed to help individuals take control of their credit and financial health. Our platform offers:

User-friendly tools for managing credit and finances
Educational resources to improve financial literacy
Access to trusted financial partners

The Site and App are provided on an “as-is” basis and may include third-party integrations. By using our services, you acknowledge and accept all associated risks.

Electronic Communications

By using the Site, App, or communicating with us via email, you consent to receive electronic communications from us. This includes, but is not limited to:

Emails, text messages, and in-app notifications related to your account, transactions, security alerts, and updates
Legal notices, disclosures, and agreements required by law
Marketing, promotions, and service-related announcements (subject to opt-out preferences)

You acknowledge that electronic communications satisfy any legal requirement that such communications be in writing.

Opt-Out & Communication Preferences

You may opt out of marketing communications at any time by clicking the “unsubscribe” link in our emails or adjusting your preferences in your account settings. However, essential communications, such as security alerts, service updates, and legal notices, cannot be opted out of.

Accuracy of Contact Information

It is your responsibility to ensure that your email address and other contact details are accurate and up to date. We are not responsible for any lost or misdirected communications due to incorrect information provided by you.

By continuing to use our services, you agree that electronic communication is the primary method of communication between you and the Company.

User Accounts

Account Responsibilities

By creating an account on the Site or App, you agree to:

Maintain the confidentiality of your login credentials, including your username and password.
Restrict access to your account to prevent unauthorized use.
Not transfer, sell, or assign your account to any other person or entity.
Immediately notify us of any unauthorized access, security breaches, or suspected misuse of your account.

You are fully responsible for all activities conducted under your account, whether or not you authorized them.

Company’s Rights Regarding Accounts

We reserve the right to:

Refuse, suspend, or terminate accounts at our discretion, with or without notice.
Restrict access to certain services or features.
Remove or edit content associated with an account if we determine it violates these Terms or any applicable laws.

Third-Party Access Disclaimer

You acknowledge that Copiafy, Inc is not liable for unauthorized access resulting from theft, hacking, weak passwords, or misappropriation of your credentials. You are solely responsible for securing your account.

Failure to comply with these responsibilities may result in account suspension or termination without prior notice.

Children & Age Restrictions

Copiafy, Inc does not knowingly collect personal information from children under 13 years old. If you are under 18, you may use the Site and App only with the consent of a parent or legal guardian.

If we discover that we have unintentionally collected personal information from a child under 13, we will take immediate steps to delete such data. Parents or guardians who believe that their child may have provided personal information should contact us at support@copiafy.com to request its removal.

Cancellation & Refund Policy

Subscription & Payment Terms

All payments are non-refundable, including subscription fees, one-time purchases, and renewal payments.
Users may cancel their subscription at any time, but cancellation does not entitle you to a refund or prorated credit for unused time.
Upon cancellation, you will retain access to your account until the end of the current billing cycle, after which your subscription will not renew.

Exceptions & Special Circumstances

Refund requests may be considered only in cases of proven fraud, duplicate charges, or billing errors. If you believe you were charged incorrectly, you must submit a request within 7 days of the charge by contacting support@copiafy.com.

Modifications to Pricing & Subscription Terms

Copiafy, Inc reserves the right to change pricing, subscription plans, and refund policies at any time.
Any changes to pricing or policies will be communicated in advance and will take effect at the start of the next billing cycle.

By purchasing a subscription or service, you acknowledge and agree to this no-refund policy.

Third-Party Links & Services

The Site and App may contain links to third-party websites, applications, or services (“Linked Sites”). These Linked Sites are not controlled, operated, or maintained by Copiafy, Inc, and we are not responsible for:

The content, accuracy, or reliability of Linked Sites.
Any changes, updates, or security risks associated with Linked Sites.
Any losses or damages incurred by users who engage with Linked Sites.

These links are provided for convenience only and do not imply endorsement, sponsorship, or affiliation with the third-party operators. You access Linked Sites at your own risk.

Third-Party Services & Data Sharing

Certain features, services, or functionalities available on our platform may be provided through third-party integrations. By using any product or service originating from the Copiafy, Inc platform, you acknowledge and consent that:

We may share necessary data with third-party providers to deliver services requested by you.
Third-party providers operate under their own privacy policies and terms, which we do not control.
Copiafy, Inc does not assume liability for third-party services, transactions, or interactions.

User Responsibility: Before engaging with any third-party service, review their terms, privacy policies, and security practices. Copiafy, Inc is not liable for third-party actions, data handling, or service performance.

Prohibited Uses & Intellectual Property Rights

1. Authorized Use & Restrictions

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use Copiafy, Inc (“Company”) strictly in accordance with these Terms and Conditions.

By using the Site and App, you agree that you will not engage in any unlawful, prohibited, or abusive activities, including but not limited to:

A. Prohibited Uses of the Site & App

You may not:

Use the Site or App for any illegal, fraudulent, or unauthorized purpose.
Attempt to hack, disrupt, damage, disable, or overburden the Site, App, or associated servers.
Introduce viruses, malware, bots, or any malicious code that may harm the system or other users.
Scrape, mine, or harvest data from the Site or App without prior written permission.
Bypass or interfere with security features such as access controls, firewalls, or encryption.
Modify, reverse-engineer, decompile, or create derivative works based on the Site or App’s software, content, or technology.
Impersonate another person or falsely claim affiliation with a company, entity, or organization.
Use the Site to send spam, phishing emails, or any misleading communications.
Attempt to gain unauthorized access to user accounts, data, or restricted areas of the Site.

Any unauthorized use of the Site or App may result in termination of your account and legal action.

2. Intellectual Property Rights

The content, design, and technology used within Copiafy, Inc, including but not limited to text, graphics, logos, images, videos, software, and code (“Company Content”), are protected by copyright, trademark, and other intellectual property laws.

A. Ownership & License

Company retains all ownership rights to its intellectual property, trademarks, and proprietary technology.
Your use of the Site or App does not grant you any ownership, license, or proprietary rights over Company Content.

B. Restrictions on Use of Company Content

You may not:

Copy, reproduce, distribute, republish, or modify any Company Content without prior written permission.
Sell, lease, sublicense, or commercially exploit any part of the Site or App.
Use any trademarks, logos, or branding associated with Copiafy, Inc without express authorization.
Remove or alter copyright notices, proprietary labels, or disclaimers within Company Content.

Any violation of these intellectual property rights may result in immediate legal action and liability for damages.

3. Legal Consequences for Violations

Violations of these Terms may result in:

Immediate suspension or termination of your account.
Legal action, including civil claims and potential criminal liability.
Monetary damages, including attorney fees and costs associated with enforcement.

If you believe any content on the Site or App infringes your intellectual property rights, please contact us immediately at legal@copiafy.com to report the issue.

International Users & Legal Compliance

The Site and App are controlled, operated, and administered by Copiafy, Inc from our offices in the United States.

A. International Access & Compliance

If you access our services from outside the U.S., you are solely responsible for ensuring compliance with local laws and regulations.
You may not use or access our services in any country or jurisdiction where it is prohibited by law or where our services are restricted due to government regulations, sanctions, or trade embargoes.
Copiafy, Inc makes no representations or warranties that the Site, App, or its content are appropriate or legally accessible outside the U.S.
Users outside the U.S. must ensure that their use of our services does not violate any applicable laws, including but not limited to:
- Data privacy regulations (e.g., GDPR in Europe, PIPEDA in Canada)
- Export control laws
- Financial and consumer protection laws

If you continue to use our services outside the U.S., you do so at your own risk, and Copiafy, Inc assumes no liability for non-compliance with foreign laws.

Indemnification & User Liability

A. Your Agreement to Indemnify Copiafy, Inc

By using the Site, App, and related services, you agree to indemnify, defend, and hold harmless Copiafy, Inc, its owners, officers, board members, employees, contractors, affiliates, and agents (collectively, the “Protected Parties”) from any claims, liabilities, damages, losses, and expenses (including legal fees and court costs) arising from:

Your use or misuse of the Site or App.
Any breach of these Terms or violations of applicable laws.
Your actions or content that infringe upon the rights of a third party (including intellectual property rights).
Any unauthorized access, security breaches, or fraudulent transactions linked to your account.
Your failure to comply with international laws if using our services outside the U.S.

B. Company’s Right to Assume Defense

If a claim arises that is subject to indemnification:

Copiafy, Inc reserves the right to assume full legal defense at its own cost.
You must fully cooperate with our legal team in defending against any claims.
You may not settle any claim on behalf of Copiafy, Inc without our prior written consent.

C. Limitation of Liability

To the maximum extent permitted by law, Copiafy, Inc shall not be liable for:

Direct, indirect, incidental, consequential, punitive, or special damages resulting from legal claims, whether arising from breach of contract, negligence, or otherwise.
Financial losses, data breaches, business interruptions, or security vulnerabilities beyond our control.
Legal claims brought against users in jurisdictions where our services may be restricted or prohibited.

If you do not agree to these indemnification terms, you must discontinue use of our services immediately.

Arbitration & Dispute Resolution

A. Mandatory Binding Arbitration

In the event of any dispute, claim, or controversy arising from or relating to these Terms and Conditions, the Site, the App, or any associated services, the parties agree to resolve the dispute exclusively through final and binding arbitration.

Arbitration shall be conducted in Orange County, Florida, under the rules of the American Arbitration Association (AAA) or another arbitration provider mutually agreed upon by both parties.
A single neutral arbitrator shall preside over the arbitration, and their decision shall be final and enforceable in any court of competent jurisdiction.
Arbitration shall be conducted in English and may take place in person, virtually, or via written submissions, at the arbitrator’s discretion.

By agreeing to these Terms, you waive your right to take legal action in court, including the right to a jury trial.

B. User’s Full Financial Responsibility for Arbitration Costs

By accepting these Terms, you agree that you shall be solely responsible for all arbitration-related costs and expenses, including but not limited to:

Arbitrator’s fees
Administrative fees (e.g., arbitration service costs)
Filing fees
All attorney’s fees, including those incurred by Copiafy, Inc
Travel or incidental costs related to arbitration proceedings
Any other expenses incurred by Copiafy, Inc in defending itself

Regardless of the outcome of arbitration, the user assumes full financial responsibility for all arbitration-related costs, ensuring that Copiafy, Inc and its affiliates bear no financial burden as a result of any dispute.

Failure to pay arbitration costs may result in suspension or termination of your account and services.

Liability Disclaimer

A. No Warranties or Guarantees

The Site, App, and all associated services are provided on an "AS-IS" and "AS-AVAILABLE" basis. Copiafy, Inc and its affiliates, suppliers, licensors, and service providers make no representations or warranties, express or implied, regarding:

Accuracy, reliability, or completeness of information, software, products, or services.
Availability, uninterrupted operation, or error-free functionality of the Site or App.
Suitability, timeliness, or security of services provided.

To the maximum extent permitted by applicable law, Copiafy, Inc expressly disclaims all warranties, including but not limited to:

Implied warranties of merchantability
Fitness for a particular purpose
Non-infringement of intellectual property rights

We do not guarantee that our Site, App, or services will be free from viruses, malware, unauthorized access, or other security breaches.

B. Limitation of Liability

To the fullest extent permitted by law, Copiafy, Inc and its affiliates shall not be liable for any direct, indirect, incidental, punitive, special, consequential, or exemplary damages, including but not limited to:

Loss of data, revenue, business opportunities, or profits.
Service disruptions, delays, or system failures.
Breach of security, unauthorized account access, or cyber threats.
Errors, omissions, or inaccuracies in content or third-party information.
Financial decisions or transactions made based on Site or App information.

This applies regardless of the legal theory involved, including contract, negligence, strict liability, or any other basis, even if Copiafy, Inc has been advised of the possibility of such damages.

C. User Assumption of Risk

By using the Site, App, or any related services, you acknowledge that:

You use our services at your own risk.
You accept full responsibility for any damages resulting from your use or inability to use our services.
Your sole and exclusive remedy for dissatisfaction is to stop using our services immediately.

D. Exceptions & Legal Limitations

Some states or jurisdictions do not allow the exclusion of certain warranties or limitations of liability for incidental or consequential damages. In such cases:

Our liability shall be limited to the fullest extent permitted by applicable law.
If any portion of this disclaimer is found unenforceable, the remaining provisions shall continue in full force and effect.

By continuing to access or use the Site, App, or any Copiafy, Inc services, you expressly agree to this Liability Disclaimer and waive any claims inconsistent with these terms.

Termination & Access Restriction

A. Right to Terminate or Restrict Access

Copiafy, Inc reserves the right, in its sole discretion, to:

Terminate, suspend, or restrict your access to the Site, App, or any related services at any time and without prior notice.
Remove or delete any content that violates these Terms or is deemed harmful, unlawful, or inappropriate.
Restrict access to certain features or services based on user behavior, account status, or violations of applicable laws.

Termination may occur for any reason, including but not limited to:

Violation of these Terms or applicable laws.
Unauthorized access or use of the Site, App, or Company’s intellectual property.
Suspicion of fraud, abuse, or security threats to the Site or other users.
Failure to pay for services or meet financial obligations under these Terms.

Upon termination, your right to access the Site and its services immediately ceases. Copiafy, Inc is not liable for any consequences resulting from termination.

B. Governing Law & Jurisdiction

To the maximum extent permitted by law, these Terms and any disputes arising out of or related to the Site, App, or services shall be governed by the laws of the State of Florida, without regard to its conflict of law principles.

Exclusive Venue: You agree that any legal disputes shall be resolved in the courts of Orange County, Florida.
Prohibited Jurisdictions: Use of the Site is unauthorized in any jurisdiction that does not enforce all provisions of these Terms.

C. Legal Compliance & Enforcement

These Terms are subject to existing laws, regulations, and legal processes.
Nothing in these Terms restricts Copiafy, Inc’s right to comply with government, court, or law enforcement requests regarding user data or activity.
If any provision of these Terms is deemed invalid or unenforceable, it shall be replaced with a valid provision that closely aligns with the original intent. The remainder of the Terms shall remain in effect.

D. Entire Agreement & Admissibility

These Terms constitute the entire agreement between you and Copiafy, Inc regarding use of the Site and App.
This agreement supersedes all prior or contemporaneous communications, whether electronic, oral, or written.
A printed version of these Terms and any related notices shall be admissible in court or administrative proceedings under the same conditions as other business records.
It is the express intention of the parties that this agreement and all related documents be written in English.

Changes to These Terms

Copiafy, Inc may modify or update these Terms at any time. If material changes are made:

We will notify users via email or by posting an updated version on our Site.
Continued use of the Site or App after updates are posted constitutes acceptance of the new Terms.