TERMS OF USE.

1. Who we are

These Terms of Use (“Terms”) govern your access to and use of the websites, member portal, and services operated by BizMotus LLC (“BizMotus,” “we,” “us”). By accessing or using the services you agree to these Terms.

2. Commercial use only

BizMotus provides business tools, educational resources, and commercial credit reporting services to business entities. The services are offered solely for commercial, business, or agricultural purposes and are not intended for personal, family, or household use.

3. Your account

You are responsible for the accuracy of the information you provide, for maintaining the confidentiality of your credentials, and for all activity under your account. You represent that you have authority to bind the business entity you register.

4. Plans, payments, and the Installment Agreement

Paid memberships are governed by the Business Installment Plan Agreement you execute during onboarding, including its payment schedule, fee schedule, cancellation and refund policy, and credit-reporting authorization. If these Terms conflict with your executed agreement, the executed agreement controls for that subject matter.

5. Add-on services

Members may separately purchase add-on services offered to them in the member portal (for example, website development, SEO, or other digital marketing work). Some add-ons are provided by BizMotus itself. Others are provided by independent providers, and each of those is labeled with the provider's name before you buy. For an add-on provided by an independent provider, the provider performs the service and is solely responsible for it; BizMotus facilitates payment on the provider's behalf and provides coordination tools, and is not the provider of that service.

An add-on is a distinct commercial engagement from your Installment Plan Agreement — it is billed on its own terms (charged in full at purchase, a single invoice due within a stated number of days, or its own fixed-term monthly schedule). Where applicable, an add-on billed by invoice or on a monthly schedule reports its own payment history to business credit bureaus as an account separate from your primary plan's tradeline. An add-on charged in full at purchase is not reported to any bureau.

Each add-on you purchase is governed by the order details and any agreement you sign at the time of purchase, which control over these Terms for that add-on's price, term, and deliverables. Cancelling or completing your primary plan does not automatically cancel an active add-on, and cancelling an add-on does not affect your primary plan.

Refunds and cancellation for an add-on provided by BizMotus follow the terms presented and agreed to at the time of that specific purchase. Refunds and cancellation for an add-on provided by an independent provider follow this standard policy:

Add-on services provided by independent providers. If you cancel before the provider has started work (no task has been started and no deliverable has been sent), you receive a full refund of what you have paid for that add-on. If you cancel after work has started but before delivery, you receive a refund of any payments made less the value of work already performed, as shown in the order's task list. Once a deliverable has been delivered as described, payments for it are not refundable. If the provider does not deliver within the stated turnaround plus a 10-business-day cure period, you may cancel for a full refund of the undelivered portion. For installment-based add-ons, cancellation stops future installments; installments already paid follow the rules above. Refunds are issued to the original payment method. These rules do not limit any rights you have under applicable law.

As with the core membership, BizMotus does not guarantee any credit score, financing approval, or other outcome from an add-on service, and reporting of an add-on's payment history follows the bureaus' own timelines, which we do not control.

6. No guarantees

BizMotus does not lend money and does not guarantee any credit score, credit rating, PAYDEX score, financing approval, or other outcome. Business credit bureaus apply their own proprietary models and timelines, which we do not control.

7. Acceptable use

You agree not to misuse the services, including submitting false information, attempting to access other members' data, reverse engineering, scraping at scale, interfering with service operation, or using the services in violation of applicable law.

8. Intellectual property

The services, including all content, courses, software, and trademarks, are owned by BizMotus or its licensors. You receive a limited, non-exclusive, non-transferable license to use them for your business during your membership. Documents you generate from your own inputs are yours.

9. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, BIZMOTUS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. EDUCATIONAL CONTENT IS GENERAL BUSINESS EDUCATION, NOT LEGAL, TAX, OR FINANCIAL ADVICE.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BIZMOTUS'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES SHALL NOT EXCEED THE AMOUNTS YOU ACTUALLY PAID TO BIZMOTUS IN THE TWELVE (12) MONTHS BEFORE THE CLAIM. IN NO EVENT SHALL BIZMOTUS BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

11. Governing law and disputes

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Disputes are resolved through final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, in the State of Florida or remotely by mutual agreement, on an individual basis (no class actions). Either party may bring an individual claim in small claims court.

12. Changes

We may update these Terms from time to time. Material changes will be notified by email or in-app notice; continued use after the effective date constitutes acceptance. Questions: support@bizmotus.com.