Terms of Use

Eligibility and Geographic Scope

You must meet the following requirements to use Collect:

• You are at least 18 years of age (or 19 in certain Canadian provinces where that is the age of majority)
• You are a resident of the United States, Canada, or Australia
• You are legally capable of entering into binding agreements under the laws of your jurisdiction
• Your use of the Services does not violate any applicable law or regulation

DISPUTE RESOLUTION

United States Residents

Agreement to Arbitrate: You and Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services shall be settled by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

Class Action Waiver: You and Company agree that each party may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

Arbitration Rules: The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration may take place in your state of residence or virtually.

Opt-Out Right: You may opt out of this arbitration provision by sending written notice to collect@ferrixlabs.com within 30 days of first using the Services.

Canadian Residents

Dispute Resolution: Any disputes arising out of these Terms shall first be addressed through good faith negotiations. If negotiations fail, disputes may be resolved through arbitration administered by ADR Institute of Canada or through the courts of your province of residence.

Consumer Protection: Nothing in these Terms limits any rights you may have under applicable Canadian consumer protection legislation, including provincial consumer protection acts which may provide you with additional rights that cannot be waived.

Australian Residents

Dispute Resolution: Any disputes arising out of these Terms shall first be addressed through good faith negotiations. If negotiations fail, disputes may be resolved through mediation or arbitration, or through the courts of your state or territory of residence.

Consumer Guarantees: Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) or similar state/territory legislation that cannot be excluded, restricted or modified by agreement.

Account & Security

You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. Notify us immediately at collect@ferrixlabs.com if you suspect unauthorized access.

You may not create more than one account. We reserve the right to suspend access or terminate accounts if abuse is detected, including but not limited to creating multiple accounts, submitting false information, or violating these Terms.

Changes to the Terms

We may update these Terms from time to time. If we make material changes, we will notify you via email or through the Services. Continued use of the Services after updates means you accept the revised Terms.

Use of Services

You may use Collect only for lawful, personal, and non-commercial purposes. You agree not to:

• Violate any applicable federal, state, provincial, or local law or regulation
• Submit false, misleading, or fraudulent information
• Submit information under penalty of perjury (or equivalent declaration) that you know to be false
• Engage in spamming, scraping, or unauthorized data collection
• Interfere with the functioning of the Services
• Use automated tools or resell access without written consent
• Access the Services from outside the United States, Canada, or Australia
• Use the Services for any purpose other than filing legitimate settlement claims

Nature of Services - Filing Assistant Only

Collect provides administrative assistance for filing class action settlement claims and individual arbitration claims:

• You do not need Collect to file claims; you can submit directly to settlement administrators
• We are not affiliated with any law firm, settlement administrator, court, or defendant
• We do not evaluate the merits of claims or provide legal opinions
• We are not responsible for claim outcomes, processing timelines, or payment amounts
• All legal decisions remain solely with you or your chosen legal counsel

Your Responsibility: You are solely responsible for reviewing all information before submitting claims. You must determine your own eligibility and the accuracy of all information provided.

Fees & Auto-Renewal

Collect charges subscription fees for access to our filing assistance services. Pricing and subscription terms are displayed at the time of purchase in your local currency (USD for United States, CAD for Canada, AUD for Australia) through your app store.

By subscribing, you agree to automatic renewal unless cancelled. You may cancel at any time through your account settings, your app store subscription management, or by contacting collect@ferrixlabs.com. We will provide clear renewal terms and cancellation instructions.

Refund Policy

All subscription fees are generally non-refundable once services have been provided. Refund requests will be evaluated on a case-by-case basis at our sole discretion.

If you initiate a chargeback without first contacting our support team, your access to the Services may be permanently terminated.

Data & Privacy

We collect and use your data in accordance with our Privacy Policy and applicable privacy laws in your jurisdiction, including U.S. federal and state laws (CCPA/CPRA), Canadian federal and provincial laws (PIPEDA), and Australian federal law (Privacy Act 1988). You may request data access, correction, or deletion as described in our Privacy Policy by emailing collect@ferrixlabs.com.

Disclaimers

User Responsibilities and Representations

By using our Services, you represent, warrant, and agree that:

• All information you provide is true, accurate, and complete
• You meet all eligibility requirements for claims you submit
• You understand that submitting false information may constitute perjury
• You are solely responsible for determining your eligibility for settlements
• You will not submit duplicate claims for the same settlement
• You are solely responsible for any taxes on settlement payments
• You understand we provide no legal advice or guarantees

Limitation of Liability

Aggregate Damages Cap: Company's total aggregate liability to you for any and all claims arising out of or relating to these Terms or your use of the Services, regardless of the form of action or theory of liability, shall not exceed the total subscription fees actually paid by you to Company in the twelve (12) months immediately preceding the event giving rise to the applicable claim.

Excluded Claims: Without limiting the foregoing, Company shall have no liability whatsoever for any damages, losses, or claims arising from or related to: (a) the outcome of any settlement claim, including claim denial, partial approval, reduced payment, delayed payment, or non-payment; (b) any actions, decisions, omissions, or delays by settlement administrators, claims processors, courts, defendants, or other third parties; (c) your reliance on any settlement information, estimated payment amounts, or eligibility criteria provided through the Services; (d) changes to settlement terms, deadlines, or eligibility requirements by settlement administrators or courts; (e) your inability to file, refile, or participate in any settlement; (f) any tax obligations arising from settlement payments received by you; or (g) the processing, distribution, or non-distribution of settlement funds by any third party.

Allocation of Risk: You acknowledge and agree that the subscription fees charged by Company reflect the allocation of risk set forth in these Terms, that Company has set its fees in reliance upon the limitations of liability and disclaimers of warranties herein, and that the same form an essential basis of the bargain between the parties. The limitations in this section shall apply to the fullest extent permitted by law, notwithstanding any failure of essential purpose of any limited remedy.

Indemnification

You agree to indemnify, defend, and hold harmless Company, its officers, directors, employees, contractors, and agents from and against any and all claims, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Services
• Your violation of these Terms or applicable law
• Your false, misleading, or fraudulent submissions
• Your submission of information under penalty of perjury
• Third-party claims related to your settlement claims
• Any breach of your representations and warranties herein

Governing Law

The governing law and jurisdiction for these Terms depends on your place of residence:

• United States: These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Disputes not subject to arbitration shall be resolved in the state or federal courts located in Delaware.
• Canada: These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Disputes shall be resolved in the courts of Ontario, unless otherwise required by applicable provincial consumer protection legislation.
• Australia: These Terms are governed by the laws of New South Wales, Australia. Disputes shall be resolved in the courts of New South Wales, subject to any statutory rights you may have to bring proceedings in another forum.

Termination

We may terminate or suspend your access to the Services at any time, with or without cause, and with or without notice. Reasons for termination may include:

• Violation of these Terms
• Submission of false or fraudulent information
• Abuse of the Services
• Failure to pay subscription fees

Upon termination, your right to use the Services ceases immediately. Sections regarding arbitration, limitation of liability, indemnification, and other provisions that by their nature should survive will remain in effect.

Miscellaneous

• Force Majeure: We are not liable for delays or failures due to events beyond our reasonable control.
• Assignment: You may not assign your rights under these Terms without our written consent. We may assign these Terms without notice.
• Entire Agreement: These Terms and our Privacy Policy constitute the entire agreement between you and Company.
• Severability: If any provision is held invalid or unenforceable, the remaining provisions remain in full force and effect.
• Waiver: Our failure to enforce any provision does not constitute a waiver of that right.
• Headings: Section headings are for convenience only and do not affect interpretation.