Global Group US LLC Terms of Service

These Terms of Use shall become effective as of 5/2/25.

Introduction

This is a legal agreement between you and Global Group US LLC, a Florida limited liability company (“Global Group”), located at 4706 Coconut Creek Parkway #934772 Margate, FL 33093-4772. By accessing or using any of the following websites—globalgroupus.com, debtfreeagency.com, hometownad.com, getzerointerest.com —and their respective sub-sites (collectively, the “Sites”) or any related services, you agree to be bound by these Terms of Use and the Global Group Privacy Policy (collectively, “Terms”). If you do not agree, do not use the Sites or Services. Global Group may change these Terms at any time in its sole discretion; continued use of the Sites after changes are posted means you accept the revised Terms. Please review these Terms regularly for updates.

In these Terms, “Global Group” means “we,” “us,” or “our.” “Service” refers to any products, services, or software you access or use through the Sites.

NOTICE: THESE TERMS REQUIRE BINDING ARBITRATION OF DISPUTES AND A WAIVER OF CLASS ACTION RIGHTS. FLORIDA LAW APPLIES. YOU MAY OPT OUT OF ARBITRATION AND THE CLASS ACTION WAIVER AS DESCRIBED IN SECTION 12 BELOW.

1. Description of Services

Global Group engages in several business services (the “Services”) for which a customer may use the Sites. Global Group reserves the right to cancel a portion of any of our Services at any time.

1.1 Funding Partners and Marketplace Services. Global Group partners with a network of funding providers, including but not limited to 7 Figures Funding, banks, credit unions, and other commercial funding sources, to assist qualified small business owners in identifying and accessing a variety of business funding products (the “Marketplace Services”). These products may include, but are not limited to, credit cards offering 0% introductory interest rates for a limited promotional period, business lines of credit, and other financing solutions. Through the Marketplace Services, Global Group helps business owners evaluate funding options, determine the most suitable types of funding, and connects them with appropriate funding partners. The list of current funding partners is available at www.globalgroupus.com/partners and may be updated at Global Group’s discretion. Each funding partner may have its own terms and conditions that apply to any funding products you obtain through them.

1.2 Marketing and Advertising Services. Global Group offers comprehensive marketing and advertising services through its platforms hometownad.com and globalgroupus.com (the "Marketing Services")” A primary focus of the Marketing Services is direct mail postcard advertising through hometownad.com, which targets specific geographic areas to help businesses reach local audiences. As part of these direct mail campaigns, Global Group provides deliverables such as custom postcard designs, targeted mailing lists, and coordination of printing and mailing to selected geographic regions. Performance metrics for direct mail campaigns may include delivery rates, response rates, and other relevant measures, which may be reported to you as part of the service. All direct mail content, including postcard designs and mailing lists, is subject to your review and approval prior to distribution. For all Marketing Services, deliverables and performance metrics may vary depending on the specific service provided, and all content created is subject to your review and approval. You are responsible for ensuring compliance with applicable laws and regulations regarding advertising claims, disclosures, and industry-specific requirements. Global Group does not guarantee specific results from any Marketing Services, including but not limited to website traffic, conversion rates, lead quality, response rates, delivery rates, or return on advertising spend. Global Group reserves the right to modify, suspend, or discontinue any aspect of the Marketing Services at any time in its sole discretion.

1.2.1 Social Media Marketing Trial Period. For social media marketing services, Global Group offers a 30-day trial period. Services may include paid and/or organic advertising on Google, Instagram, Facebook, and/or TikTok—specific platforms will be determined during your onboarding call(s). You are limited to 3-4 organic advertising posts uploaded to the specified platform(s) within the 30-day trial period. The marketing budget is not included and will be discussed during the onboarding call. If you're not satisfied with the results, you owe nothing. If you're happy and choose to continue, we'll invoice you for the initial 30 days of service. After that, you'll be invoiced monthly for ongoing services as outlined in the contract(s).

1.3 Other miscellaneous services. Global Group may add additional products and services over time, and these Terms of Use shall apply to those additional services.

1.4 Geographic Limitations. The Services are available only to businesses located in and operating from the United States, subject to the terms herein. Notwithstanding the foregoing, the Marketplace Services described in Section 1.1 are NOT available to businesses located in or operating from Nevada, North Dakota, North Carolina, and Vermont. The Marketing Services described in Section 1.2 are available in all U.S. states. Global Group reserves the right, in its sole discretion, to verify your business location through any means it deems appropriate and to deny or terminate service to businesses determined to be operating in excluded states for the respective services. You represent and warrant that you are not located in or operating from any of the excluded states for the services you are seeking to use. Global Group shall not be liable for any damages or claims arising from the termination of Services due to a determination that your business is located in or operating from an excluded stateThe Services are available only to businesses located in and operating from the United States, subject to the terms herein. Notwithstanding the foregoing, the Services are NOT available to businesses located in or operating from Nevada, North Dakota, North Carolina, and Vermont. If you are located in or operating from any of these excluded states, you are not eligible to use our Services. Global Group reserves the right, in its sole discretion, to verify your business location through any means it deems appropriate and to deny or terminate service to businesses determined to be operating in these excluded states. You represent and warrant that you are not located in or operating from any of the excluded states listed herein. Global Group shall not be liable for any damages or claims arising from the termination of Services due to a determination that your business is located in or operating from an excluded state.

2. Use of Sites and Service

As a user of the Sites or a user registered to use any of the Services (a “Registered User”), you agree to the following:

2.1 Exclusive Use. Your account is to be used only by you and only for your business needs. You may not authorize others to use your account, and you may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Global Group is not responsible for third-party access to your account that results from theft or misappropriation of your username and passwords. By creating an account, you represent and warrant that your business is not located in or operating from Nevada, North Dakota, North Carolina, or Vermont. If your business relocates to one of these states after account creation, you must immediately notify Global Group and cease using the Services.

2.2 Information Submitted. You are solely responsible for, and assume all liability regarding (i) the information and content you provide through your use of the Sites and any Services, (ii) the information and content you make available in any manner through the Services, and (iii) your interaction with any and all third parties. Any attempt to enter information to create a duplicate account will be rejected and your account will be put on hold.

2.3 Risk Assumption and Precautions. You assume all risk when using the Services, including but not limited to all of the risks associated with any interactions with third parties, including but not limited to any lenders to which you are matched, referred or provided, as well as any risks associated with any marketing or advertising services provided by Global Group.

2.4 No Guarantees. Please refer to Sections 1.1 and 1.2 for a full description of the Services and related limitations. Global Group does not guarantee that you will be matched with any particular funding partner or product, or that any funding will be suitable for your needs. In addition, Global Group does not guarantee any specific results, outcomes, or performance from any marketing or advertising services that may be offered as part of the Services, except as explicitly provided in Section 1.2.1 regarding the 30-day social media guarantee. Any unique circumstances or requirements remain your sole responsibility to evaluate.

2.5 No False Information. You agree to provide accurate, true, current and complete information. In the event that Global Group determines that the information that is provided is incomplete, fraudulent, false, or otherwise inaccurate, Global Group reserves the right to terminate your access to the Services.

2.6 Legal Purpose. You agree to not use the Sites or Services for any illegal purpose. You will only use the Sites or Service in accordance with federal, state and local laws.

2.7 Business Purpose. You agree to only use the Sites or Services for a bona fide business purpose. You agree not to use the Sites or Services for personal, family or household purposes. You may not use the Sites or Services to obtain information about or make decisions about anyone but yourself and/or your business.

3. Affiliate Marketing Disclosures

3.1 Compensation Disclosure. You acknowledge and understand that Global Group may receive compensation in connection with your use of the Site or Services, as further described in Sections 1.1 and 1.2 above. Compensation may take the form of referral fees, lead generation fees, advertising fees, or other monetary arrangements, and may vary depending on the specific partners and products involved.

3.2 Impact on Presentation. You understand that the compensation Global Group receives may influence how and where Financial Partners and their products or services are displayed, ranked, or promoted on the Sites. Financial Partners who compensate Global Group may receive preferential placement or enhanced visibility on the Sites or within the Services.

3.3 Limited Marketplace. Global Group does not include all available lenders, financial institutions, or financial products in the marketplace. The Financial Partners and products presented through the Sites or Services represent only a portion of the lenders and financial products potentially available to you in the marketplace. There may be other lenders or financial products with more favorable terms than those presented through the Sites or Services.

3.4 Zero Interest Credit Card Disclosures. You understand that any 0% interest credit card offers are typically promotional offers with time limitations. The 0% interest rate is typically available for a limited promotional period, after which standard interest rates will apply. Global Group and its Funding Partners, including 7 Figures Funding, do not guarantee approval for any 0% interest credit card offers, and all applications are subject to the credit card issuer's approval criteria. The actual terms, rates, and conditions of any credit card will be provided by the issuing bank or financial institution.

3.5 No Lending Authority. Global Group is not a lender, financial institution, or financial service provider. Global Group does not make lending or credit decisions, does not issue loans or lines of credit, and does not guarantee approval for any financial product or service. All lending or credit decisions are made solely by the Financial Partners according to their own criteria and policies.

3.6 Multi-Tier Service Relationships. You understand that Global Group may connect you with intermediary funding marketplaces, such as 7 Figures Funding, who in turn connect you with direct lenders, credit card issuers, or other financial product providers. In such cases, you may be subject to the terms and conditions of multiple service providers, including Global Group, the intermediary marketplace, and the ultimate financial product provider. Global Group is not responsible for the actions, omissions, or policies of these intermediary marketplaces or ultimate financial product providers.

3.7 Independent Review Recommended. You are strongly encouraged to independently review and evaluate all terms, conditions, rates, fees, and other provisions offered by any Financial Partner before accepting any offer or entering into any agreement. Global Group makes no representations or warranties regarding the terms offered by any Financial Partner, and you agree that your decision to accept any offer is made at your own discretion and risk.

3.8 No Endorsement. The presence of a Financial Partner on the Sites or within the Services does not constitute an endorsement, recommendation, or representation by Global Group regarding the quality, suitability, or reliability of such Financial Partner or their products or services.

3.9 Marketing and Advertising Results. You acknowledge and understand that results from any marketing or advertising services provided by or through Global Group may vary substantially based on numerous factors, including but not limited to: market conditions, industry trends, competition, timing, content quality, target audience characteristics, budget allocation, campaign duration, and other factors beyond Global Group's control. Global Group does not guarantee any specific level of response, engagement, conversion, revenue, profit, or return on investment from any marketing or advertising campaign. Any examples, estimates, projections, or forecasts provided by Global Group are for illustrative purposes only and do not constitute promises or guarantees of future performance. You assume all risk associated with your marketing and advertising investments, and you agree that Global Group shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages resulting from your use of any marketing or advertising services, regardless of whether such damages were foreseeable. You are solely responsible for evaluating the suitability of any marketing or advertising strategy for your specific business needs and objectives.

4. Credit Gathering Authorization

4.1 Authorization and Representation. By indicating Your agreement to these terms (for example, by clicking the button where You accept this credit gathering authorization) You represent that You are authorized on behalf of Yourself and the business listed in Your application (individually “You” or “Your” or collectively, the “Applicant”) to make and submit representations regarding the Applicant to Global Group, its representatives, subsidiaries, and affiliates (collectively, “Global Group”) and to third-party lenders, finance companies, or other third parties that are involved with or provide commercial loans, or purchases of receivables (individually a “Recipient” or collectively “Recipients”). You authorize Global Group and Recipients to conduct, obtain, receive, and process a review of You and/or Your business that Global Group or any Recipient considers appropriate to process Your application for business-purpose financial products.

4.2 Information Collection and Authorization. As part of this review, You authorize Global Group and Recipients to obtain consumer/personal and/or business and investigative financial and credit reports from one or more consumer reporting agencies (including, but not limited to, TransUnion, Experian, Equifax, and Dun and Bradstreet) and from other credit bureaus, banks, creditors and other third parties about You and Your business. You further authorize and understand that Global Group and Recipient, respectively and individually, may obtain statements from creditors, financial institutions, and other third parties, as well as other information about You and Your business, including credit card processor statements and bank statements.

4.3 Credit Report Authorization. You authorize Global Group and Recipients (a current list of Recipients can be found at www.globalgroupus.com/partners to obtain Your credit report, during review of any application submitted via www.globalgroupus.com, including any subdomains, any co-branded websites, or any other website where this Credit Gathering Authorization may be agreed to, during the closing of any financial product, or at various times during the term of the financial product(s) You receive in connection with its servicing or enforcement. This authorization shall constitute Your written instructions under the Fair Credit Reporting Act, as amended. You further authorize Global Group and each Recipient to contact third parties to verify any information provided in Your credit report or otherwise submitted to Global Group or Recipients in connection with Your application for financial products.

4.4 Information Accuracy. You confirm that the information You have provided to Global Group as part of Your application, as well as any subsequent information that might be submitted as part of Your application, is true and correct and may be relied upon by Global Group and Recipients in their consideration of Your application. Any misrepresentation that You make in conjunction with the information You submit may be viewed as fraud, and as such may be punishable by law.

4.5 Credit Inquiry Disclosure: Completing and submitting your pre-qualification application through our Marketplace Services does not affect your personal credit score, as we use a 'soft' credit inquiry for initial evaluation. However, depending on the financing option you choose, a 'hard' credit inquiry may be required if you decide to move forward with a specific offer from one of our Funding Partners. Hard inquiries may impact your credit score. By using our Services, you authorize both types of inquiries as described in this Section 4.

5. Intellectual Property Rights

5.1 Ownership of Proprietary Information. You hereby acknowledge and agree that Global Group is the owner of all rights in and to the Sites and Services. Federal, state, and local laws and regulations protect these proprietary rights. You are permitted to use the Sites and Services only as expressly authorized by these Terms. You may not copy, reproduce, distribute or create derivative works, reverse engineer or reverse compile any of the Sites or Services or technology.

5.2 No Use of Confidential Information. You will not post, copy, modify, transmit, disclose, show in public, create any derivative works from, distribute, make commercial use of, or reproduce in any way any (i) confidential information or (ii) other copyrighted material, trademarks, or other proprietary information accessible via the Sites or Services, without first obtaining the prior written consent of the owner of such proprietary rights.

5.3 License to Provided Content. By providing information or content to any account or public area of the Sites or Service, you automatically grant, and you represent and warrant that you have the right to grant, to Global Group and its users, an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, reproduce, publicly perform, publicly display and distribute such information and content, and to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sub-licenses of the foregoing. From time to time, we may create, test or implement new features or services on the Sites in which you may voluntarily choose to participate, in accordance with the additional terms and conditions of such features or programs. By your voluntary participation in such features or programs, you grant us the rights stated in this subsection in connection with the additional terms and conditions (if any) of such features or services.

5.4 Ownership of Marketing Deliverables. For Marketing Services, all final deliverables created specifically for you will be owned by you upon full payment, while Global Group retains ownership of all templates, processes, and methodologies used to create such deliverables.

6. Links to Third Party Websites and Dealings with Advertisers and Sponsors

The Sites and Services may contain links to websites of third parties, including without limitation, advertisers, which are not under the control of Global Group, and Global Group is not responsible for the content of any linked site or any link contained in a linked site, or any changes or updates to such websites. Global Group provides these links to you as a convenience, and the inclusion of any link does not imply that Global Group endorses or accepts any responsibility for the content on such third-party websites. Your correspondence or business dealings with, or participation in promotions of, advertisers or third parties found on or through the Sites or Services are solely between you and such advertiser or third-party. You agree that Global Group will not be responsible or liable for any loss or damage of any sort incurred as the result of the presence of such advertisers on the Sites or Services. Please visit our Privacy Policy to learn more about how we use your information.

7. Disclaimer of Warranty

7.1 Warranty Disclaimer. THIS SECTION WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. GLOBAL GROUP PROVIDES THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS AND GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE SERVICES OR THE SITE (INCLUDING ALL INFORMATION CONTAINED THEREIN), INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. GLOBAL GROUP DOES NOT WARRANT THAT YOUR USE OF THE SERVICES WILL BE SECURE, UNINTERRUPTED, ALWAYS AVAILABLE, ERROR-FREE OR WILL MEET YOUR REQUIREMENTS, OR THAT ANY DEFECTS IN THE SERVICES WILL BE CORRECTED. GLOBAL GROUP DISCLAIMS LIABILITY FOR, AND NO WARRANTY IS MADE WITH RESPECT TO, THE CONNECTIVITY AND AVAILABILITY OF THE SERVICES.

7.2 Third Party Content. Opinions, advice, statements, offers, or other information or content made available through the Sites or Services, but not directly by Global Group, are those of their respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content. GLOBAL GROUP DOES NOT: (i) GUARANTEE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED ON THE SERVICES, OR (ii) ADOPT, ENDORSE OR ACCEPT RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE BY ANY PARTY OTHER THAN GLOBAL GROUP. UNDER NO CIRCUMSTANCES WILL GLOBAL GROUP BE RESPONSIBLE FOR ANY LOSS OR DAMAGE RESULTING FROM ANYONE’S RELIANCE ON INFORMATION OR OTHER CONTENT POSTED ON THE SITE OR SERVICES OR TRANSMITTED TO OR BY ANY USERS. Beta Features. From time to time, Global Group may offer new “beta” features or tools with which its users may experiment on the Sites or Services. Such features or tools are offered solely for experimental purposes and without any warranty of any kind and may be modified or discontinued at Global Group’s sole discretion. The provisions of this Disclaimer of Warranty section apply with full force to such features or tools.

8. Limitation of Liability

8.1 Incidental Damages and Aggregate Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, GLOBAL GROUP WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF DATA, SERVICE INTERRUPTIONS, OR SUBSTITUTE SERVICES, ARISING FROM OR RELATED TO YOUR USE OR INABILITY TO USE THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. GLOBAL GROUP’S TOTAL LIABILITY FOR ANY CLAIMS RELATING TO THE SITE OR SERVICES WILL NOT EXCEED THE GREATER OF THE AMOUNT PAID BY YOU FOR THE SERVICES OR $25.00. GLOBAL GROUP IS NOT LIABLE FOR THE CONDUCT OF USERS OR THIRD PARTIES, OR FOR ANY ERRORS IN INFORMATION VERIFICATION. THESE LIMITATIONS APPLY TO ALL CAUSES OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE.

8.2 Information Verification. Global Group and its contractors may use various methods of verifying information that users have provided. However, none of those ways are perfect, and you agree that Global Group and its contractors will have no liability to you arising from any incorrectly verified information.

9. Indemnification

You agree to the following indemnification obligations:

9.1 General Indemnification. You agree to indemnify, defend and hold harmless Global Group, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys’ fees) relating to or arising out of (i) your use of or inability to use the Sites or Services, (ii) any user postings made by you, (iii) your violation of any terms of these Terms or your violation of any rights of a third-party, or (iv) your violation of any applicable laws, rules or regulations. Global Group reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Global Group in asserting any available defenses.

9.2 Communications-Related Indemnification. You further agree to indemnify, defend, and hold harmless Global Group for any privacy, tort, or other claims, including claims under the Federal Telephone Consumer Protection Act or its state law equivalent, including claims relating to your voluntary provision of a telephone number that is not owned by you and/or your failure to notify us of any changes in your contact information, including telephone number. You agree to indemnify, defend and hold us harmless from and against any and all such claims, losses, liabilities, costs and expenses (including reasonable attorneys’ fees). Global Group shall have the exclusive right to choose counsel, at your expense, to defend any such claims.

10. Privacy and Data Security

10.1 Privacy Policy. Global Group maintains a comprehensive Privacy Policy that governs the collection, use, storage, sharing, and protection of your information. The Privacy Policy is incorporated into and made part of these Terms by reference. By using the Sites or the Services, you acknowledge that you have read the Privacy Policy and consent to Global Group's data practices as described in the Privacy Policy. The current version of the Privacy Policy is available at www.globalgroupus.com/privacy-policy.

10.2 Information Collection and Use. Global Group collects information about you and your business that is necessary to provide our Services, including but not limited to personal and financial information. You acknowledge and agree that:

10.2.1 The information you provide to Global Group may be used to (i) provide the Services; (ii) improve our Services; (iii) communicate with you about your account or the Services; (iv) comply with legal obligations; and (v) for other purposes as described in our Privacy Policy.

10.2.2 Global Group may use anonymized information from you and your experiences through the Services to continue Global Group's research into successful business practices and to improve the Services.

10.2.3 By providing information to the Sites or as part of your use of the Services, you grant to Global Group a perpetual, non-exclusive, irrevocable, royalty-free license to reproduce, adapt, edit, modify, translate, publish, transfer, and/or distribute any of your content. This license specifically includes the right for Global Group to make such content available to other trusted companies, organizations, and/or individuals with whom Global Group has a business relationship in order to carry out the performance of the Services.

10.3 Information Security. Global Group implements reasonable security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. These measures include:

10.3.1 Encryption of many of our services using industry standard methods.

10.3.2 Regular review of our information collection, storage, and processing practices, including physical security measures, to guard against unauthorized access to systems.

10.3.3 Restricted access to personal information to Global Group employees, contractors, and agents who need to know that information in order to process it for us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.

10.4 Confidentiality. Global Group will take every reasonable precaution to protect your account and account information; however, we cannot guarantee the security of any information you disclose. This includes your sharing of account information with any third party, including employees, contractors, vendors, suppliers, etc. of your business. You agree and acknowledge that the security of your data is your responsibility. Your use of the Services is further governed by our Privacy Policy.

10.5 Disclosure by Law. You acknowledge and agree that Global Group may disclose information you provide if required to do so by law, at the request of a third-party, or if we, in our sole discretion, believe that disclosure is reasonable to (i) comply with the law, requests or orders from law enforcement, or any legal process (whether or not such disclosure is required by applicable law); or (ii) protect or defend Global Group’s, or a third-party’s, rights or property.

10.6 Data Breach Notification. In the event of a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to your personal information (a "Data Breach"), Global Group will notify you of such breach without undue delay, but no later than 72 hours after discovery, when feasible. Notification procedures, timing, and content may vary based on state-specific requirements, and Global Group will make reasonable efforts to comply with the specific requirements of the state in which you reside or do business. Notifications will be delivered via email to your registered email address or through prominent notice on our Sites. Such notification will include, at minimum: (i) a description of the nature of the Data Breach; (ii) contact information for questions; (iii) a general description of the categories of information affected; and (iv) the measures taken or proposed to address the Data Breach, including measures to mitigate potential adverse effects. Global Group will comply with applicable data breach notification laws, which may require additional or different notification procedures depending on your jurisdiction. Nothing in this section restricts Global Group's right to conduct its own investigation and analysis of any Data Breach.

11. Restrictions

You may not, and will make all reasonable efforts to make sure any third parties do not:

Use the Services as a money services business, money transmitter, payment intermediary, aggregator, or service bureau or resell the Services in any manner.

Use the Services on behalf of a third party in any manner.

Abuse the Services in any manner.

Use the Service in violation of any other agreement you may have, including without limitation, the agreement you have with WePay, Paypal, Square, Stripe, Plaid, or any of your financial accounts.

Create a similar product or service through use of or access to the Service. Use the Service in violation of any law, regulation, or rule.

Use the Service to perpetuate or commit a fraud of any kind.

Use the Services in any way that is not authorized by Global Group.

Use the Service for personal bank accounts.

12. Dispute Resolution by Binding Arbitration

12.1 Agreement to Arbitrate. In the interest of resolving disputes between you and Global Group in the most expedient and cost-effective manner, you and Global Group agree that either party, at any time, may opt to adjudicate their disputes through binding arbitration instead of in courts of general jurisdiction (“Agreement to Arbitrate”). Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, condenses discovery, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Any arbitration under these Terms will take place on an individual basis; class arbitrations and class actions are not permitted. You acknowledge and agree that the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that individual party’s claim(s). Any relief awarded cannot affect other users. You further agree and understand that any and all disputes, whether heard before a court of competent jurisdiction, or an arbitrator, shall be done solely on an individual basis, and that you affirmatively waive your right to participate in a class action to resolve any dispute (as defined below) that you may have with Global Group. You understand that by entering into this agreement, you and Global Group are each waiving the right to a trial by jury or to participate in a class action:

12.2 Claims to be Resolved by Binding Arbitration. You and Global Group agree to arbitrate all disputes and claims between us. This agreement to arbitrate is intended to be broadly interpreted. It includes, but is not limited to: claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory; claims that arose before this or any prior Terms; claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and claims that may arise after the termination of these Terms.

12.3 Exceptions. Notwithstanding Section 12.1, you and Global Group agree that no statement herein shall be deemed to waive, preclude, or otherwise limit either party’s right to (i) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available; (ii) seek injunctive relief in any competent court of law; or (iii) to file suit in a court of law to address intellectual property infringement claims.

12.4 Arbitrator. Any arbitration between you and Global Group will be governed by the Commercial Dispute Resolution Procedures (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879.

12.5 Notice and Process. A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Global Group should be addressed to: Global Group US LLC, 1401 NE 9th Street, #42, Fort Lauderdale, FL 33304 (“Notice Address”). The Notice must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). If you and Global Group do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or Global Group may commence an arbitration proceeding.

12.6 Fees. In the event that you commence arbitration in accordance with these Terms, Global Group will, at your request, reimburse you for your payment of the arbitration filing fee, unless your claim is for greater than $10,000, in which case the payment of any fees shall be decided by the AAA Rules. Any request for payment of fees by Global Group should be submitted by mail to the AAA along with your Demand for Arbitration and Global Group will make arrangements to pay all necessary fees directly to the AAA. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), you agree to reimburse Global Group for all fees associated with the arbitration paid by Global Group on your behalf that you otherwise would be obligated to pay under the AAA’s rules.

12.7 Small Claims Arbitration. If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a non-appearance based telephonic hearing, or by an in-person hearing as established by the AAA Rules.

12.8 Hearing Location. Any in-person arbitration hearings will take place at a location to be agreed upon in Miami, Florida. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.

12.9 No Class Actions. Unless both you and Global Group agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding. YOU AND GLOBAL GROUP AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

12.10 Opt-Out. If you are a new Global Group user, you can choose to reject the arbitration agreement contained in this Section 12 (“opt-out”) by mailing us a written opt-out notice (“Opt-Out Notice”). The Opt-Out Notice must be postmarked no later than thirty (30) days after the date you accept these Terms for the first time. You must mail the Opt-Out Notice to the Notice Address listed in Section 12. The Opt-Out Notice must contain your name, address (including street address, city, state and zip code), and the user name(s) and email address(es) associated with the Global Group account(s) to which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of the Agreement to Arbitrate, all other parts of the Terms will continue to apply to you. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with Global Group.

12.11 Modifications. If Global Group makes any future change to this Agreement to Arbitrate (other than a change to the Notice Address), you may reject any such change by sending us written notice within 30 days of the change to the Notice Address provided above. You acknowledge and agree that, in the event you reject any future change, your account with Global Group shall be immediately terminated and you will arbitrate any dispute between us in accordance with the language of this provision.

12.12 Severability and Enforceability. If an arbitrator or court decides that any part of this Section 12 is invalid or unenforceable, the other parts of this Section 12 shall still apply. If the entirety of this Section 12 is found to be unenforceable, then the parties agree that the exclusive jurisdiction and venue described in Section 14 shall govern any action arising out of or related to these Terms, and that the remainder of the Terms will continue to apply.

13. Telephone Communications and Consent to Contact. By providing your contact information, you consent to receive calls and text messages (including autodialed, prerecorded, or artificial voice messages) from Global Group and its service providers regarding your account, transactions, or promotions, even if your number is on a Do Not Call list. Calls may be monitored or recorded for quality and compliance. You agree to provide accurate contact information and promptly notify us of any changes. You may opt out of automated calls or texts at any time by replying STOP to a text message or contacting [email protected] with your name, account number, and phone number(s) to be removed; processing may take up to 30 days. Standard message and data rates may apply, and you are responsible for any such charges and for maintaining necessary devices and services. You release Global Group from any claims relating to such communications, including under the Telephone Consumer Protection Act. Your obligations under this section survive termination of these Terms.

14. Controlling Law and Jurisdiction. You agree that Florida law (without giving effect to its conflicts of law principles) will govern these Terms, the Sites and the Services and that any dispute arising out of or relating to these Terms, the Sites or the Services will be subject to the exclusive jurisdiction and venue of the federal and state courts in Miami, Florida. You acknowledge and agree that any violation of these Terms may cause Global Group irreparable harm, and therefore agree that Global Group will be entitled to seek extraordinary relief in court, including but not limited to temporary restraining orders, preliminary injunctions and permanent injunctions without the necessity of posting a bond or other security, in addition to and without prejudice to any other rights or remedies that Global Group may have for a breach of these Terms. These Terms, which you accept upon registration for the Services, the Privacy Policy located on the Sites, and any applicable payment, renewal, additional services terms, comprise the entire agreement between you and Global Group regarding the use of this Service, superseding any prior agreements between you and Global Group related to your use of this Sites or Services (including, but not limited to, any prior versions of this Terms). The FAQ’s found on the Services are for informational purposes only and are not deemed to be part of this Terms. Unless otherwise explicitly stated, the Terms will survive termination of your registration to the Service. The failure of Global Group to exercise or enforce any right or provision of these Terms does not constitute a waiver of such right or provision. If any provision of these Terms is held invalid, the remainder of the Terms will continue in full force and effect. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the Sites or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in the Terms are for convenience only and have no legal or contractual effect.

15. Content. All text, graphics, user interfaces, visual interfaces, photographs, trademarks (whether registered or not), logos, sounds, artwork of any kind, and computer code (collectively, “Content”), including but not limited to the design, structure, coordination, selection, appearance, and arrangement of the Content, contained on the Sites are owned by Global Group and are protected by trade dress, copyright, trademark, and other property laws and unfair competition laws. Any misuse of the Content will be at your peril and Global Group will do all that is lawful to enforce and protect the Content.

16. Notification of Terms of Use Changes. We may update these Terms of Use to reflect changes to our business operations and the methods by which we work with you, including changing vendors, and other policies relevant to our Services. If we make any material changes, we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Sites. We encourage you to periodically review this page for the latest information on our Terms of Use. When we make changes to these Terms of Use, we will revise the revision date at the top of the Terms of Use.

17. Term and Termination. This agreement will become effective upon your acceptance of the Terms by your use of the Sites or Services and will remain in effect in perpetuity unless terminated hereunder. Global Group may terminate your account at any time, for any reason or no reason, without explanation, effective upon written notice to the other party. Global Group reserves the right to immediately suspend or terminate your access to any of the Services, without notice, for any reason or no reason. We also reserve the right to refuse to remove your account information or data from our Services and any other records at any time to comply with legal and regulatory requirements. In the event your access to any of the Services is suspended due to the breach of these Terms, you agree that all fees then paid to Global Group by you will be nonrefundable and all outstanding or pending payments will immediately be due. You may terminate your account at any time by (a) sending a written request to cancel your account to [email protected], or (b) using any account cancellation feature available in your account settings on the Sites. Unless otherwise required by law, no advance notice period is required for cancellation by you. For Marketing Services, cancellation requests received after campaign materials have been finalized but before distribution may be subject to partial charges for work completed. Campaigns already in distribution cannot be recalled. For social media marketing services subject to the 30-day trial period described in Section 1.2.1, you may cancel within the trial period and owe nothing if you are not satisfied with the results. If you choose to continue after the trial period, you will be invoiced for the initial 30 days and monthly thereafter as described in Section 1.2.1. Upon cancellation, any pending transactions or services in process at the time of cancellation may be completed or terminated at Global Group’s sole discretion. After cancellation, Global Group may retain your account information and data as necessary to comply with legal and regulatory requirements, internal record-keeping, and enforcement of these Terms, in accordance with our Privacy Policy. Sections 12 and 14 shall survive any termination of this Agreement.

18. Electronic Signatures and Records. By using our Services, you consent to electronically receive, download, and print all communications, agreements, documents, notices, and disclosures that we provide to you. You agree that your electronic signature on agreements and documents has the same legal effect as a physical signature. You acknowledge that:

You can access and read this electronic disclosure.

You can print or save this disclosure for future reference.

You consent to receive communications electronically.

Your consent applies to all future communications until withdrawn.

You may withdraw your consent to receive electronic communications by contacting us at [email protected], but this may impact your ability to use certain Services.

19. Miscellaneous.

19.1 Force Majeure. Global Group is not liable for any delay or failure to perform resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, or interruptions of internet or communications services.

19.2 Assignment. You may not assign or transfer any of your rights or obligations under these Terms without the prior written consent of Global Group. Any attempted assignment without such consent is void.

19.3 Severability. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.