Terms of Service for Florida State Filing LLC

This Agreement is enforceable between:

• FSF as the provider of business formation, compliance, and support services.

• All Users ("Clients"), including individuals, businesses, representatives, and entities accessing or using FSF's Services.

By using FSF's Website or Services, Users acknowledge they have read, understood, and agree to comply with the terms set forth in this Agreement.

Who Is Covered by This Agreement:

• Registered Users

  Individuals who create an account on FSF's Website.

• Non-Registered Users

  Visitors who browse or access information without registering.

• Business Entities

  Companies, corporations, partnerships, and other legal entities using FSF's Services.

• Authorized Representatives

  Individuals acting on behalf of a business or another person.

Users further represent and agree that:

• They possess the legal authority to enter into this Agreement on their own behalf or for a business entity.

• They will comply with all applicable laws, regulations, and FSF policies while using the Services.

• Any misuse, fraud, or violation of these Terms may result in suspension, termination, or legal action.

By accessing, browsing, or using the Website and Services, Users:

• Acknowledge that they have read, understood, and agree to be legally bound by these Terms.

• Consent to the collection, use, and storage of their data as described in FSF's Privacy Policy.

• Agree to comply with all laws and regulations related to business filings, compliance, and regulatory obligations.

If a User does not accept or comply with these Terms, they must immediately stop using the Website and Services.

Modification Conditions:

• Terms may be updated to reflect changes in law, business practices, or operational needs.

• Modifications become effective immediately upon posting on the Website.

• FSF is not required to notify Users individually of changes.

User's Duty to Stay Informed:

• Users are responsible for reviewing the Terms regularly to remain aware of any updates.

• Continued use of the Website or Services after changes constitutes acceptance of the revised Terms.

• https://flfiling.com, including all affiliated subdomains, web pages, digital platforms, and integrated services operated by FSF.

• Any web-based applications, mobile interfaces, or online portals that provide access to FSF's Services.

• All content, tools, resources, or features made available through FSF's online platform.

Users acknowledge that the Website's availability, features, or design may be modified at any time without prior notice.

• Any individual, business entity, or representative who accesses, interacts with, or utilizes FSF's Services.

• Any authorized person or agent acting on behalf of a company, partnership, or other legal entity using the Services.

• Any individual who creates an account, submits a service request, or otherwise engages with FSF's online platform.

User Obligations

• By using the Website or Services, the User represents and warrants that they have the legal authority to enter into this Agreement and comply with all applicable laws and regulations.

Business Entity Representatives

• If a User acts on behalf of a business entity, they must have legal authorization to bind that entity to this Agreement.

• FSF assumes all orders submitted are authorized and is not responsible for verifying the User's authority.

Unauthorized Use

• Any unauthorized use of FSF's Services, including fraudulent activity or misrepresentation, is strictly prohibited and may result in account suspension, service termination, or legal action.

Business Entity Formation & Incorporation

• Filing Articles of Incorporation or Organization for new corporations, LLCs, partnerships, or other entities.

• Name availability searches, business registration, and state compliance filings.

• Assisting with EIN (Employer Identification Number) applications for new businesses.

Annual Report Filings

• Filing required state reports to maintain business compliance and avoid penalties.

• Tracking annual report deadlines and providing timely reminders for compliance.

Beneficial Ownership Information (BOI) Reporting

• Assisting businesses with BOI compliance filings under federal regulations.

• Submitting required information to government agencies on behalf of Clients.

Registered Agent Services

• Serving as the official point of contact for legal notices and government correspondence.

• Maintaining compliance with state regulations regarding registered agents.

Corporation Reinstatement Services

• Helping dissolved or inactive entities regain good standing.

• Filing necessary reinstatement paperwork with the appropriate state agencies.

• Resolving outstanding compliance issues that led to administrative dissolution.

Corporate Compliance Solutions

• Providing compliance monitoring, reminders, and filing assistance for state and federal regulations.

• Helping businesses meet tax and corporate reporting obligations.

• Advising on corporate structure changes, amendments, and conversions.

Additional Services via Affiliates & Third-Party Providers

• FSF may offer additional services through strategic partnerships, affiliate programs, and third-party vendors.

• These may include, but are not limited to, legal consultation, accounting, tax preparation, business insurance, and financial advisory solutions.

• FSF does not directly provide legal or tax services but may refer Clients to trusted third-party professionals.

Government Agencies & Compliance Regulators

• State and federal agencies responsible for business filings, corporate registrations, and regulatory compliance.

• Examples: Secretary of State offices, IRS (Internal Revenue Service), FinCEN (Financial Crimes Enforcement Network), and other government entities.

• FSF is not responsible for delays, errors, or rejections caused by government agencies.

Payment Processors & Financial Institutions

• Third-party payment platforms, banks, and financial service providers that handle transactions on behalf of FSF.

• Examples: Stripe, PayPal, ACH processors, and credit card payment gateways.

• FSF does not store full payment details and is not liable for issues arising from third-party payment processing errors.

Technology & Hosting Providers

• Cloud service providers, cybersecurity firms, and web hosting platforms that maintain the Website's infrastructure.

• These providers ensure data security, uptime reliability, and service availability.

Marketing & Affiliate Partners

• Third-party businesses that promote FSF's Services through referral programs or partnerships.

• FSF is not responsible for misrepresentations, unauthorized claims, or misleading advertisements by independent affiliates.

Legal, Tax, & Compliance Partners

• Independent law firms, CPA firms, or compliance specialists that offer related services.

• FSF does not provide legal or tax advice directly but may refer Clients to third-party professionals.

Other External Service Providers

• Companies offering business solutions that integrate with FSF's platform, such as virtual office services, trademark registration, and credit-building programs.

• FSF is not responsible for third-party providers' services, terms of use, or policies.

• FSF does not guarantee the performance, accuracy, or reliability of third-party services.

• Clients should review the terms, privacy policies, and disclaimers of any third-party provider before engaging with them.

• Users must be at least 18 years of age to open an account and utilize FSF's Services.

• Users must possess the legal capacity to enter into binding agreements under applicable law.

• If registering on behalf of a business entity, the User must:

• a) Have full legal authority to act for and bind the entity.

• b) Ensure all submitted information accurately reflects the entity's legal status.

FSF does not verify a User's authority to represent an entity and presumes all registrations are valid and authorized.

• Full legal name
• Business name (if applicable)
• Current mailing address and contact details
• Valid email address and phone number
• Taxpayer Identification Number (TIN) or Employer Identification Number (EIN), if required

Obligation to Maintain Accurate Information

• Users must promptly update their account details if any information changes.

• Supplying false, misleading, or outdated information may result in delays, service denial, or account termination.

• FSF is not responsible for errors, delays, or government rejections caused by inaccurate information provided by the User.

Verification of Information

• FSF reserves the right to request additional documentation to verify a User's identity or business legitimacy.

• Failure to comply with a verification request may result in service suspension, order cancellation, or legal action.

Fraudulent or Misleading Registrations

• Registering a business entity using false, stolen, or misleading information.

• Misrepresenting ownership, business structure, or legal standing.

• Attempting to impersonate another individual or business entity.

Unlawful or Unauthorized Business Activities

• Using FSF's Services for money laundering, tax evasion, identity theft, or illegal financial transactions.

• Registering a business entity to engage in fraudulent, deceptive, or unlawful practices.

• Attempting to use FSF's Services in jurisdictions where they are not legally permitted.

Security Violations & Misuse of Website

• Attempting to hack, disrupt, or interfere with FSF's Website, database, or payment processing systems.

• Accessing restricted areas of the Website without authorization.

• Distributing malware, phishing attempts, or other malicious software through the Website.

Violation of FSF Policies & Intellectual Property

• Copying, scraping, or reproducing content from FSF's Website without permission.

• Using FSF's trademarks, logos, or proprietary materials without authorization.

• Engaging in negative campaigns, defamation, or misleading statements about FSF (see Section 10 – Non-Disparagement Clause).

• Fraudulent, misleading, or incomplete information is provided during registration.

• A User engages in unauthorized or illegal activity using FSF's Services.

• Payment disputes, chargeback fraud, or multiple failed payment attempts occur.

• A User violates any of the Terms outlined in this Agreement.

Suspension Process & Notice

• FSF will attempt to notify the User via email before suspending or terminating an account.

• However, in cases of fraud, illegal activity, or severe violations, immediate termination may occur without prior notice.

Consequences of Account Termination

• Users will lose access to their account, service history, and pending filings.

• Any services in progress may be canceled, and refunds will not be issued for terminated accounts.

• FSF may report fraudulent or unlawful activity to government authorities or law enforcement.

• Each User is permitted only one registered account unless expressly approved by FSF.

• Accounts may not be shared, transferred, or sold to another individual or entity.

• Any unauthorized use or multiple registrations may result in account suspension or termination.

Account Access & Unauthorized Use

• Users must not share passwords or login details with third parties.

• If unauthorized access is suspected, the User must notify FSF immediately.

• FSF is not responsible for losses or damages resulting from unauthorized account access due to User negligence.

Account Recovery & Password Reset

• If a User loses access to their account, a password reset request must be submitted through the Support Center.

• FSF may require identity verification before granting access to a locked or compromised account.

• If operating outside the United States, Users are responsible for ensuring compliance with their local business registration laws.

• FSF is not liable for a User's failure to comply with federal, state, or international regulations governing their business.

• Business entity formation and incorporation
• Annual report filings
• Beneficial Ownership Information (BOI) reporting
• Registered Agent services
• Corporation reinstatement services
• Corporate compliance solutions
• Additional services delivered through affiliates and third-party partners

FSF strives to process all orders efficiently; however, turnaround times are influenced by factors outside our control, such as government agency schedules, third-party vendors, and client responsiveness. By utilizing FSF's Services, Clients ("User," "you," or "your") acknowledge that all processing times are estimates only and that meeting compliance deadlines is ultimately their own responsibility.

• FSF typically processes orders within 3 business days, provided all required information and documentation are submitted accurately and in full.

• State and federal agencies may require additional time to review and approve filings, and FSF cannot be held responsible for such external delays.

• If a submission contains errors, omissions, or incomplete data, processing will be paused until the Client provides the necessary corrections.

• Expedited processing may be available for an extra fee, but is still subject to the timelines of government agencies and third-party providers.

Government & Regulatory Delays

• Backlogs at state or federal agencies may extend processing times beyond FSF's control.

• Regulatory changes, audits, or new compliance requirements can introduce additional steps or delays.

• Government holidays or office closures may temporarily halt filings or approvals.

Client Submission Errors or Omissions

• Incomplete or inaccurate information from the Client may result in delays or rejections.

• If a filing is returned or rejected by a government agency, FSF will notify the Client, but it is the Client's duty to correct and resubmit the required information.

Third-Party Service Providers & Payment Processing

• FSF may rely on third-party vendors for certain services, such as payment processing, compliance checks, or expedited filings.

• Technical issues, outages, or backlogs at these providers may delay Client orders.

Client Responsiveness & Communication

• If additional documentation, verification, or clarification is needed, FSF will contact the Client via email or the User Panel.

• Delays in responding may result in indefinite processing extensions.

• Clients are responsible for monitoring their email and User Panel to ensure compliance deadlines are met.

• FSF's standard business hours are Monday through Friday, 9:00 AM – 5:00 PM EST, excluding federal holidays.

• Orders submitted outside business hours or on holidays will be processed on the next available business day.

• Support inquiries regarding order status must be submitted through the Support Center and will be addressed during normal business hours.

• Submit all required information, documentation, and supporting materials in a timely manner.

• Meet all government filing deadlines to avoid late fees, penalties, or loss of good standing.

• Respond promptly to requests for additional information or corrections.

• Review and confirm the accuracy of all filings before submission.

• Monitor the status of their filings and compliance obligations through the User Panel.

Failure to Provide Accurate Information May Result In:

• Processing delays, rejected filings, or additional fees for resubmission.

• Late penalties imposed by government agencies, for which FSF is not responsible.

• Potential loss of business entity status, fines, or regulatory enforcement.

• Processing times dictated by government agencies.

• Errors, omissions, or incomplete submissions by the Client.

• Delays caused by third-party payment processors or service providers.

• Client's failure to monitor deadlines or compliance requirements.

Clients assume full responsibility for maintaining compliance and for any late fees or penalties imposed by state or federal authorities.

• Expedited processing options may be available for an additional fee, but government agency processing times still apply.

• Expedited service does not guarantee same-day or next-day approval, as final processing is subject to government review.

• If an expedited request is delayed due to state or federal agency backlogs, the Client is not entitled to a refund of the expedited service fee.

Non-Refundable Fees

• Once a service enters processing, payment is final and non-refundable, except as outlined in Section 6 (Refund & Cancellation Policy).

• Government fees and third-party service charges are strictly non-refundable.

• Expedited, rush, and priority service fees are non-refundable once processing begins.

Accepted Payment Methods

• FSF accepts credit cards, debit cards, ACH bank transfers, PayPal, and other approved third-party payment options.

• All payments must be made through authorized gateways; FSF does not accept cash, checks, or cryptocurrency.

Payment Timing & Authorization

• Full payment must be received before FSF will begin processing any order.

• Clients authorize FSF and its payment processors to charge their selected payment method for the total service amount.

• If a payment is declined, rejected, or reversed, FSF may suspend or cancel the order until payment is completed.

User Acknowledgment of Third-Party Payment Terms

• Processing times may vary, and FSF is not responsible for payment delays caused by third-party providers.

• Payment disputes, fraud alerts, or chargeback requests must be resolved with the payment processor, not FSF.

• Third-party processors may impose additional transaction fees, which are non-refundable.

By submitting payment, Clients agree to the terms and conditions of the third-party payment provider handling their transaction.

Secure Payment Processing & Data Protection

• FSF does not store full payment card details; all transactions are processed through PCI-compliant third-party services.

• Clients should never share payment information via email, phone, or live chat for security reasons.

Pricing Adjustments

• Service fees may be updated due to changes in government filing costs, third-party fees, or operational expenses.

• Promotional pricing, discounts, or special offers may be limited in duration and subject to eligibility.

Sales Tax & Other Charges

• Depending on the Client's location, FSF may collect and remit sales tax or other government-imposed taxes.

• Any surcharges from payment providers (e.g., international transaction or currency conversion fees) are the Client's responsibility.

Currency & Payment Conversions

• All transactions are processed in U.S. dollars (USD) unless otherwise specified.

• If payment is made in a foreign currency, conversion rates and fees are set by the Client's bank or payment processor, and FSF is not responsible for exchange rate fluctuations.

Consequences of Late Payments

• Orders will not be processed until payment is received in full.

• If an invoice remains unpaid for more than 30 days, FSF may cancel the order or suspend access to services.

• If a Client owes an outstanding balance, FSF may:

• a) Impose late fees or interest on overdue amounts.

• b) Restrict access to future services until the balance is paid.

• c) Pursue legal action or debt collection to recover unpaid amounts.

Insufficient Funds & Payment Failures

• If a payment fails due to insufficient funds, expired cards, or bank errors, the Client must provide an alternative payment method within 3 business days.

• Multiple failed payment attempts may result in service cancellation and additional penalties.

• Unauthorized chargebacks may result in financial penalties, account termination, and legal action.

• All billing disputes must be submitted through the Support Center before filing a chargeback.

Recurring Billing Authorization

• Clients authorize FSF to automatically charge their saved payment method for subscription fees.

• Subscription renewals will be processed on the due date unless canceled in advance.

Cancellation of Subscription Services

• Clients must submit cancellation requests at least 7 days before the next billing cycle to avoid renewal charges.

• No refunds will be issued for past subscription charges once the renewal payment is processed.

Expired or Declined Subscription Payments

• If a subscription payment fails due to an expired card or insufficient funds, the Client must update payment information within 5 business days.

• Failure to update payment details may result in service suspension or termination.

• All services must be paid in full at the time of order.

• Partial payments are not accepted unless explicitly agreed upon in writing.

Initiate a refund request via the User Panel

• Log in to your account and navigate to "Billing and Payments" → "Request a Refund."

• Refund requests submitted by email, phone, or chat will not be processed.

Provide all required information

• Include the order number, transaction date, payment method, and a clear reason for the refund request.

• Refund requests must be submitted within 7 days of purchase unless otherwise specified.

Processing timeline

• Refund requests are reviewed and processed within up to 10 business days.

• Users will receive a confirmation email indicating whether the refund request has been approved or denied.

State Filing Fees & Government Charges

• Payments made to state or federal agencies (e.g., Secretary of State, IRS, FinCEN, Sunbiz, etc.) are non-refundable, as these are subject to third-party regulations.

• If a government agency rejects, delays, or modifies a filing, the fees paid to them remain non-refundable.

Third-Party Service Provider Fees

• FSF may utilize third-party payment processors, compliance partners, or document preparation services on behalf of Clients.

• Any fees charged by these providers are non-refundable, regardless of service status.

Services Already Submitted or Completed

• Once a service has been submitted to a government agency or completed, no refunds will be issued.

• This includes:

• Business entity formations (LLCs, corporations, partnerships, etc.)
• Registered Agent services
• Annual report filings
• Beneficial Ownership Information (BOI) reports
• Corporation reinstatements
• Name reservations or amendments

Expedited & Rush Services

• Expedited processing fees are non-refundable once an order has been placed.

• If a User requests expedited service but the government agency does not process the request on time, FSF is not responsible for external delays.

Custom or Personalized Services

• Any service requiring manual preparation, document customization, or tailored business consulting is non-refundable once work has begun.

• This includes:

• Business consultation services
• Custom corporate document drafting
• Licensing and permit application assistance

Subscription-Based Services

• For recurring billing or subscription services, cancellation requests must be submitted before the next billing cycle to avoid additional charges.

• No refunds will be issued for previous subscription payments.

• Billing inquiries must be submitted through the Support Center, and responses may take up to 5 business days.

• Chargeback attempts without first seeking resolution will result in financial penalties and legal action under Section 9 (Chargebacks, Payment Disputes & Penalties).

• If a Client believes they were charged incorrectly, they must provide proof of erroneous billing (e.g., duplicate charges, incorrect pricing).

• Approved refunds will be processed using the original payment method.

• Refunds to credit/debit cards or ACH payments may take up to 10 business days to appear in the Client's account.

• FSF is not responsible for banking delays, currency conversion fees, or third-party processing timeframes.

• User dissatisfaction with the government agency's response, processing time, or outcome.

• Failure to read and understand FSF's Terms of Use, Refund Policy, or Service Limitations.

• Failure to use the purchased service within a reasonable period.

• Duplicate transactions resulting from technical errors.

• Incorrect service selection, provided the error is reported immediately.

• Processing failure caused by a system outage or platform error.

Government Processing Delays

• Extended review or approval times by state or federal agencies.

• Backlogs, staffing shortages, regulatory changes, or new compliance requirements affecting timelines.

• Unexpected government policy changes impacting fees, timelines, or required documentation.

User Errors and Omissions

• Incorrect, incomplete, or outdated information provided by the Client, resulting in rejections or additional processing time.

• Failure to review filings before submission or to respond to government inquiries promptly.

• Missed deadlines leading to penalties, additional fees, or involuntary dissolution of a business entity.

Technical Failures and Website Downtime

• Internet connectivity issues, server outages, cybersecurity threats, or data transmission failures.

• Unforeseen technical glitches or software bugs affecting access to services.

• Errors in automated filings or integrations with third-party systems outside FSF's control.

Force Majeure (Uncontrollable Events)

• Natural disasters, fires, floods, pandemics, government lockdowns, or public health emergencies.

• Acts of war, terrorism, strikes, labor disputes, or economic disruptions.

• Regulatory changes, legislative amendments, or unforeseen legal developments impacting compliance.

Exclusion of Certain Damages

• FSF is not liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Lost profits or revenue.
• Business interruption or lost opportunities.
• Reputational harm due to delayed filings or compliance issues.
• Costs of obtaining substitute services or legal representation.

Maximum Financial Liability

• FSF's total liability is limited to the amount paid by the Client for the specific service giving rise to the claim.

• If no payment was made for the disputed service, FSF's liability is capped at $100.

• Clients waive the right to seek damages exceeding this limit in any legal proceeding.

No Responsibility for Third-Party Actions

• FSF is not responsible for the actions, errors, or omissions of third-party service providers, government agencies, or payment processors.

• If a third party (such as a government agency) rejects, delays, or mishandles a filing, FSF bears no liability.

• FSF does not guarantee that the Client's business will be profitable, compliant, or successful after incorporation.

• FSF does not warrant that legal filings will be accepted without modification by state or federal authorities.

• FSF does not guarantee avoidance of penalties, audits, or legal challenges.

Clients are solely responsible for ongoing compliance with:

• State and federal tax laws.

• All reporting requirements and deadlines.

• Licensing, permit, and regulatory obligations.

Non-Payment, Chargebacks, or Financial Fraud

• If a User fails to pay fees, initiates a fraudulent chargeback, or commits financial misconduct, FSF may file a lawsuit to recover damages.

Intellectual Property Infringement

• FSF may seek court orders or damages for unauthorized use of its trademarks, copyrights, or proprietary materials.

Defamation or Non-Disparagement Violations

• Legal action may be taken if a User publicly spreads false or damaging information about FSF.

Website Security or Unauthorized Access

• Any hacking, cyberattacks, or unauthorized access to FSF's systems may be prosecuted in court.

• Users must bring any claims related to this Agreement within one (1) year of the event giving rise to the claim.

• Claims filed after this period are permanently barred, unless otherwise required by law.

This limitation applies to all claims, including:

• Payment disputes, service complaints, and refund requests.

• Breach of contract, negligence, or any other civil claims against FSF.

• Submit a formal refund request via the User Panel under "Billing and Payments" in the "Request a Refund" tab.

• Provide supporting documentation explaining the reason for the refund or correction.

• Allow up to 10 business days for FSF to review and respond.

• Cooperate fully with FSF's support team during the resolution process.

Chargeback Recovery Fee

• A $500 non-refundable administrative fee will be charged per disputed transaction to cover investigation and processing costs.

Reversal of Chargeback & Account Reinstatement Fee

• To reinstate an account after a chargeback, the Client must:

• Repay the full disputed amount plus any processor fees.

• Pay an additional $250 reinstatement fee before regaining access to FSF Services.

Legal Action Fee & Collection Costs

• If legal action is necessary to recover losses from a chargeback, the Client agrees to:

• Pay a $5,000 legal action fee to cover attorney's fees, court costs, and administrative expenses.
• Reimburse FSF for any additional damages, penalties, or third-party collection costs.

Blacklisting & Service Termination

• Clients who initiate fraudulent chargebacks may be permanently banned from FSF Services.

• FSF may report repeat offenders to banks, fraud databases, and credit bureaus.

Completed Services

• If FSF has completed a filing, compliance service, or provided access to a paid feature, the transaction is final.

• Dissatisfaction with processing times, third-party delays, or government agency timelines does not qualify for a chargeback.

Failure to Read Terms or Policies

• Clients cannot claim ignorance of FSF's Terms of Use, refund, or billing policies as grounds for a chargeback.

• All Clients are required to review and accept these terms before purchase.

Voluntary Account Termination or Service Cancellation

• Clients who close their account, cancel a service, or fail to use a purchased service are not eligible for a refund or chargeback.

Third-Party Payment Failures or Bank Disputes

• FSF is not responsible for banking errors, declined transactions, or third-party payment failures.

• Clients must resolve such issues directly with their financial institution or payment provider.

Public Dissemination of False or Misleading Information

• Posting, publishing, or sharing false, misleading, or unsubstantiated claims about FSF or its Services.

• Spreading misrepresentations regarding FSF's pricing, policies, offerings, or personnel.

• Making allegations without evidence that could harm FSF's business operations or reputation.

Defamatory Statements on Public Platforms

• Writing or posting negative or defamatory reviews, blog posts, or comments intended to damage FSF's reputation.

• Publishing disparaging remarks on social media, forums, business directories, or consumer complaint sites.

• Sharing unverified complaints that may discourage others from engaging with FSF.

Engaging in Negative Publicity Campaigns

• Encouraging others to boycott, defame, or spread misinformation about FSF.

• Participating in or organizing negative press or social media campaigns targeting FSF.

• Using FSF's name, logo, or trademarks in negative or misleading promotional materials.

Harassment, Threats, or Abusive Communications

• Sending harassing, threatening, or defamatory communications to FSF staff, executives, or representatives.

• Threatening to harm FSF's reputation in exchange for compensation, refunds, or favorable treatment.

• Engaging in cyberbullying, targeted harassment, or malicious attacks against FSF personnel.

Spreading False Claims About Financial Transactions or Services

• Filing false complaints about FSF's services with payment processors, banks, or regulatory bodies.

• Attempting to manipulate chargeback processes by submitting fraudulent claims.

• Misrepresenting FSF's refund, cancellation, or service policies.

Formal Cease-and-Desist Notice

• FSF may issue a written demand requiring the User to immediately remove or retract false or defamatory statements.

• Failure to comply within 5 business days may result in further legal action.

Legal Action for Defamation, Libel, or Slander

• FSF may pursue legal remedies for monetary damages caused by defamatory or false statements.

• If a court determines that a User intentionally spread false information, FSF may be awarded:

• Compensatory damages for financial losses due to reputational harm.
• Punitive damages if malice is proven.
• Legal fees and court costs incurred during litigation.

Public Retraction Requirement

• FSF may seek a court order requiring the User to issue a public correction, retraction, or apology.

• The User may be required to delete or amend negative online reviews, posts, or articles.

Account Termination & Service Restrictions

• FSF reserves the right to suspend or permanently terminate the User's account without refund.

• Users engaging in repeated disparagement may be barred from future services.

Reporting to Third-Party Authorities

• If the disparaging conduct involves false financial claims, FSF may report the User to:

• Financial institutions and payment processors for fraud investigations.
• Consumer protection agencies for spreading misleading business complaints.
• State and federal regulatory agencies for filing false reports.

Government and Regulatory Agencies

• State and federal agencies that process business filings, compliance documents, and tax registrations.

• Department of States, IRS, FinCEN, Secretary of State Offices, and Business Licensing Authorities.

• Third-party compliance portals used for government reporting and business verification.

Payment Processors

• Stripe, PayPal, ACH gateways, and credit card processors that securely handle transactions.

• FSF does not store or process full payment details; all payments are managed by third-party providers under their own security protocols.

Analytics & Marketing Partners

• Google Analytics, Meta (Facebook), LinkedIn Ads, and other tracking tools to optimize Website performance and measure engagement.

• These services may use cookies, pixels, or scripts to monitor user activity.

Customer Support & Communication Platforms

• Live chat, email support, and ticketing systems that facilitate customer service.

• May include Zendesk, Intercom, or similar third-party support solutions.

Document Preparation & e-Signature Services

• Third-party tools for document management, contract generation, and compliance submissions.

• May include DocuSign, HelloSign, or other e-signature providers.

Third-Party Business Consultants and Service Providers

• Users may be referred to external legal, tax, financial, or business advisory firms for specialized support.

• FSF does not provide legal, accounting, or investment advice and is not responsible for third-party consulting outcomes.

Social Media & Content Sharing Tools

• Embedded widgets, sharing links, and external blog posts connecting Users to third-party social networks.

• May include LinkedIn, Facebook, Twitter (X), Instagram, YouTube, or other platforms.

• Access and utilize the Website and Services for legitimate business purposes.

• View and download publicly available resources for informational use only.

• Use provided forms and templates solely for business compliance as intended by FSF's Services.

This license does not permit Users to:

• Modify, copy, distribute, sell, or lease any Website content or materials.

• Reverse-engineer, disassemble, or decompile FSF's proprietary software or technology.

• Create derivative works based on FSF's intellectual property.

• Use FSF's trademarks, logos, or branding for commercial purposes without express written consent.

Breach of Terms or Policies

• Any violation of these Terms or other FSF policies.

• Non-compliance with legal, regulatory, or compliance obligations related to FSF's Services.

Fraudulent, Illegal, or Unauthorized Conduct

• Supplying false or misleading information during registration, ordering, or communication.

• Impersonating another person or entity, or misrepresenting your identity.

• Engaging in fraudulent transactions, such as payment fraud or unauthorized chargebacks.

• Using FSF's Services for illegal, deceptive, or unethical business activities.

• Participating in money laundering, identity theft, tax evasion, or other unlawful acts.

Payment Disputes and Chargebacks

• Initiating a chargeback or payment dispute without first attempting to resolve the issue through FSF's Support Center.

• Repeated failed payment attempts or suspected payment fraud.

Abuse or Misconduct Toward FSF or Others

• Threatening, harassing, or abusing FSF staff, representatives, or affiliates.

• Using offensive or abusive language in communications with FSF or other Users.

• Defaming or causing reputational harm to FSF, including spreading false information about the Company.

Disruption of Security or Operations

• Attempting to hack, tamper with, or disrupt FSF's Website, databases, or security systems.

• Using bots, scripts, or automation tools to exploit or abuse FSF's Services.

• Uploading or transmitting malware, viruses, or malicious code.

• Unauthorized scraping, data mining, or extraction of FSF content.

Non-Compliance with Legal or Regulatory Demands

• Failure to provide required verification or compliance documents.

• Refusal to cooperate with legal or regulatory investigations.

• Using FSF's Services for prohibited industries or restricted transactions.

Essential Cookies (Strictly Necessary)

• Enable secure logins and user authentication.

• Manage sessions for logged-in users.

• Support website security and prevent fraud.

• Preserve form data during navigation.

Without these cookies, you may not be able to log in, complete transactions, or securely access services.

Performance & Analytics Cookies

• Collect anonymous usage data to improve site performance.

• Analyze traffic patterns and popular content.

• Identify and resolve technical issues.

• Optimize load times and server response.

Third-party analytics tools, such as Google Analytics, may set these cookies. You can opt out via browser settings or the Google Analytics opt-out tool.

Functionality & Preference Cookies

• Remember language and region preferences.

• Store saved login credentials (if enabled).

• Customize user interface settings.

• Apply location-based adjustments.

These cookies improve usability but are not essential. You may disable them in your browser.

Marketing & Advertising Cookies

• Track user behavior for personalized advertising.

• Measure marketing campaign effectiveness.

• Limit the frequency of repeated ads.

• Enable retargeting based on browsing history.

FSF may use third-party ad networks (e.g., Google Ads, Meta Ads, LinkedIn Ads). Manage ad preferences via the Digital Advertising Alliance or your browser.

Third-Party Cookies

• Social media plugins (LinkedIn, Facebook, Twitter).

• Embedded videos (YouTube, Vimeo).

• Live chat and support widgets.

• Payment processors (Stripe, PayPal).

These third parties may set their own cookies, governed by their privacy policies. FSF does not control third-party data practices.

Browser Controls

• Block or delete cookies manually.

• Set notifications before cookies are stored.

• Clear cookies on browser exit.

• Restrict cookies to specific sites.

Browser-Specific Instructions

• Google Chrome: chrome://settings/cookies

• Mozilla Firefox: about:preferences#privacy

• Apple Safari: Preferences → Privacy & Security

• Microsoft Edge: edge://settings/content/cookies

Opt-Out of Targeted Advertising

• Digital Advertising Alliance:

  https://www.aboutads.info/choices

• Google Ad Settings:

  https://adssettings.google.com

• Facebook Ad Preferences:

  https://www.facebook.com/ads/preferences

Private Browsing

• Using incognito or private mode prevents cookies from being stored after your session.

Third-Party Cookie Blockers

• Extensions like Brave, uBlock Origin, or Privacy Badger can block third-party tracking cookies.

General Data Protection Regulation (GDPR) (EU)

• Requires explicit consent for non-essential cookies.

• Users can withdraw consent at any time.

• Cookie banners must clearly allow acceptance or rejection.

California Consumer Privacy Act (CCPA) (U.S.)

• Gives users the right to opt out of data collection for advertising.

• Requires disclosure of tracking technology usage.

• Users may request deletion of stored data.

ePrivacy Directive (EU)

• Regulates cookie storage and electronic communications privacy.

• Requires prior consent before storing cookies on a user's device.

FSF may collect the following categories of personal and business information:

• Personally Identifiable Information (PII):

  Includes your name, email address, phone number, mailing address, date of birth, and other identifying details.

• Business Information:

  Includes business entity name, employer identification number (EIN), registration details, and compliance-related data.

• Payment Information:

  Payment details, transaction records, billing addresses, and financial data are processed securely by third-party payment providers. FSF does not retain full payment card information.

• Account Credentials:

  Usernames, passwords, and authentication data required for User Panel access.

• User Communications:

  Messages and requests submitted via the Support Center, live chat, or email.

FSF may also collect non-personal data related to Website usage, such as:

• Device Information:

  Browser type, IP address, operating system, and screen resolution.

• Website Analytics:

  Cookies, session logs, and tracking technologies to analyze user behavior and optimize the Website.

• Geolocation Data:

  With User consent, location data may be collected for fraud prevention and compliance.

• Data Encryption:

  Sensitive data is encrypted during transmission and, where applicable, in storage.

• Access Controls:

  User data access is restricted based on job role and necessity.

• Firewall and Monitoring:

  Continuous monitoring of network activity to detect and prevent security breaches.

• Secure Payment Processing:

  All payment information is handled exclusively by PCI-DSS-compliant third-party processors.

FSF retains User data only as long as necessary to fulfill service obligations, comply with legal requirements, and resolve disputes. Retention practices include:

• Transactional Records:

  Maintained for at least 7 years for regulatory and tax compliance.

• User Accounts:

  Retained indefinitely unless deactivated or deletion is requested.

• Inactive Accounts:

  Accounts unused for 3 years may be deleted automatically.

• Customer Support Inquiries:

  Retained for up to 2 years to assist with historical support matters.