Terms of Service

1. Definitions

Capitalized terms in these Terms have the following meanings:

• “Customer Data” means the business data, metrics, inputs, assumptions, files, narrative text, board books, company information, recipient lists, and other content you submit, upload, connect, import, or authorize through CACulator.io, together with data CACulator.io reads from connected third-party systems on your behalf (for example, Stripe Connect data).
• “Output” means the calculator results, scenarios, board books, metric snapshots, benchmark comparisons, AI-generated drafts, exports, reports, and other materials CACulator.io produces from Customer Data.
• “Subscription” means a paid plan (for example, premium monthly or premium annual) provided through Stripe.
• “Embed Token” means a token issued through your dashboard that authorizes a third-party site to render CACulator.io calculator widgets via iframe under an origin allowlist.
• “API Key” means a credential issued through your dashboard that authorizes calls to the CACulator.io public REST API at the rate limits associated with the key.
• “Recipient” means an individual you authorize to view a board book or other shared CACulator.io Output via a per-recipient magic-link token, regardless of whether the Recipient holds a CACulator.io account.
• “Team Member” means an individual you invite to share access to your Subscription as a teammate, up to your tier’s seat limit.

2. Informational Business Planning Tool Only

CACulator.io provides SaaS metrics calculators, formulas, benchmarks, board-book templates, AI-assisted narrative drafts, exports, widgets, and related content for informational business planning purposes only.

CACulator.io does not provide legal, tax, accounting, audit, investment, valuation, fundraising, securities, financial planning, or professional advisory services. You should consult qualified advisors before relying on Output for board reporting, financing, investment decisions, accounting treatment, legal compliance, tax filings, investor communications, or other material business decisions.

3. Your Responsibility for Inputs, Assumptions, and Decisions

You acknowledge that small changes in inputs, assumptions, formulas, time periods, or data sources may materially change Output.

You are solely responsible for:

• The accuracy, completeness, legality, and reliability of all Customer Data you enter, upload, connect, import, or authorize.
• Reviewing and validating all calculations, benchmark comparisons, AI-generated content, board-book narratives, exports, reports, and other Output before using or sharing them.
• Determining whether any Output is appropriate for your market, stage, business model, pricing model, sales motion, accounting practices, investor audience, or internal decision-making process.
• Any decisions, communications, filings, representations, forecasts, projections, reports, investor updates, board materials, or business actions made in reliance on CACulator.io.

4. Benchmarks and Comparative Data

Benchmark data, peer guidance, cohort comparisons, percentile ranges, and related content are directional only. Benchmark data may be derived from public sources, manually curated datasets, anonymized participant data, third-party data, or modeled assumptions.

Benchmark Output may not represent your specific industry, stage, geography, pricing model, customer segment, product category, go-to-market motion, capitalization, accounting practices, or operating environment.

CACulator.io does not guarantee that any benchmark data is complete, current, statistically significant, representative, suitable for your company, or free from error. CACulator.io may modify, remove, reclassify, or update benchmark data, cohort definitions, confidence indicators, and methodology at any time.

Formulas are versioned (for example, “v1”). When we release a new version of a formula, we generally preserve prior versions for a reasonable period so calculations pinned to an earlier version (for example, via the “?v=v1” URL parameter) remain reproducible. We may retire prior versions on notice.

5. AI-Assisted Content

CACulator.io may provide AI-assisted drafting, summarization, metric explanations, board-book narrative support, conversational helpers, or similar features.

When you use AI-assisted features, the relevant Customer Data (which may include company name, period labels, metric snapshots, narrative text, and contextual prompts) is transmitted to third-party large language model providers for processing. We currently route AI calls through OpenRouter and underlying model providers, subject to change. We do not authorize these providers to train foundation models on your Customer Data, and we contractually require zero-data-retention or equivalent handling where commercially available. The current sub-processor list is published with our Data Processing Addendum.

AI-generated content may be inaccurate, incomplete, misleading, outdated, or inappropriate for your use case. You are responsible for reviewing, editing, validating, and approving all AI-generated content before use.

CACulator.io does not warrant that AI-generated content is accurate, original, compliant, suitable for board reporting, or appropriate for any legal, financial, tax, accounting, investment, or business purpose.

You may not represent AI-generated content as certified, audited, professionally verified, or approved by CACulator.io.

AI features are subject to monthly per-user fair-use quotas. We may modify quotas, throttle, queue, or temporarily suspend AI features without notice.

6. Account Registration, Security, and Team Accounts

You are responsible for maintaining the confidentiality of your login credentials, API Keys, Embed Tokens, magic links, connected-service authorizations, and account access.

You are responsible for all activity under your account, whether or not authorized by you, except to the extent caused solely by CACulator.io’s gross negligence, willful misconduct, or material breach of these Terms.

You must promptly notify us at legal@caculator.io if you believe your account, credentials, API Keys, tokens, or connected services have been compromised.

We may suspend or restrict access to your account if we reasonably believe your account has been compromised, used in violation of these Terms, or presents a risk to CACulator.io, other users, third-party providers, or service integrity.

We recommend enabling multi-factor authentication where offered. CACulator.io supports TOTP-based multi-factor authentication through the Security Center.

If you invite Team Members to your Subscription, you represent and warrant that you have authority to bind those individuals (and, where applicable, their employer) to these Terms. Team Members may access your saved scenarios, board books, metric snapshots, Embed Tokens, and API Keys according to their assigned role. You are responsible for adding and removing Team Members promptly when access should change and for ensuring that Team Member activity complies with these Terms.

7. Payments, Billing, Stripe, and Promotional Pricing

CACulator.io uses Stripe as its third-party payment processor for subscriptions, checkout, billing, invoices, payment method storage, tax-related billing support where applicable, and customer portal functionality.

When you purchase a paid plan, your payment information is collected and processed by Stripe, not directly by CACulator.io. CACulator.io does not store full credit card numbers or complete payment credentials on its own servers. Stripe may collect and process personal data, payment data, billing data, device data, transaction data, fraud-prevention signals, and other information as described in Stripe’s applicable terms, privacy policy, and data processing documentation.

By purchasing a Subscription or entering payment information, you authorize CACulator.io and Stripe to charge your selected payment method for the applicable subscription fees, taxes, and other charges shown at checkout.

Unless otherwise stated at checkout:

• Subscription fees are billed in advance.
• Subscriptions automatically renew until canceled.
• You may manage or cancel your Subscription through the CACulator.io billing portal or by contacting support.
• Fees are non-refundable except where required by law, expressly stated in writing, or approved by CACulator.io in its discretion.
• If payment fails, we may suspend or limit access to paid features until payment is successfully completed.

Stripe’s services are governed by Stripe’s own agreements and policies. CACulator.io is not responsible for Stripe outages, declined payments, payment-card network issues, bank delays, fraud-screening decisions, or other acts or omissions of Stripe or financial institutions, except to the extent caused by CACulator.io’s own actions.

CACulator.io may offer promotional pricing, including “early-release” pricing for a limited period and time-limited promotion codes (for example, 100%-off coupons under programs such as the Founding Benchmark Contributor program). Promotional terms may include eligibility restrictions such as first-time-subscriber-only, annual-plan-only, redemption limits, opt-in requirements (for example, completing your SaaS profile and opting into benchmark contribution), and expiration dates. Promotional terms apply only as displayed at checkout or in the promotional offer. CACulator.io may modify, end, or revoke promotional pricing at any time, and may revoke a promotional credit if eligibility requirements are not met or are subsequently violated. CACulator.io may convert early-release pricing to standard pricing on renewal with reasonable notice.

8. Stripe Connect Data Sync

If you connect your own Stripe account to CACulator.io through Stripe Connect, you authorize CACulator.io to read billing data from your Stripe account (for example, subscriptions, invoices, charges, customer counts, and related metadata) solely to populate metric snapshots in your board books, dashboards, and exports. The scope of the connection is read-only; CACulator.io does not write to, modify, or move funds in your Stripe account through this integration.

You may revoke the Stripe Connect connection at any time from your CACulator.io dashboard or from Stripe’s connected-apps screen. Revocation stops future syncs and disables further reads, but Output already materialized into board books or exports may persist until you remove it.

Access and refresh tokens for the Stripe Connect integration are stored with industry-standard administrative, technical, and organizational protections. You remain responsible for the accuracy and completeness of the data in your Stripe account and for ensuring that you have authority to connect that account to CACulator.io.

9. Third-Party Services and Sub-Processors

CACulator.io relies on third-party services, including payment processing, data hosting, transactional email, error monitoring, product analytics, AI model providers, infrastructure providers, authentication providers, and connected financial or business systems.

The current list of material sub-processors is published with our Data Processing Addendum. We may add, replace, or remove sub-processors from time to time; we will use commercially reasonable efforts to require equivalent confidentiality and security safeguards from successor sub-processors.

You are solely responsible for ensuring you have the right to connect, import, transmit, or process any third-party data through CACulator.io.

Third-party services are governed by their own terms, privacy policies, security practices, availability, and fees. CACulator.io is not responsible for third-party services, third-party data, integration failures, outages, API changes, delayed syncs, incorrect third-party data, unauthorized access caused by third-party providers, or any acts or omissions of third parties, except to the extent caused by CACulator.io’s own actions.

10. Affiliates and Shared Infrastructure

CACulator.io and GridRep (operated at gridrep.com) are sister products under common ownership and control by Gulf Holdings LLC. CACulator.io is hosted on shared back-end infrastructure (currently a shared Supabase database project) and may rely on shared identity, email-delivery, and AI services with GridRep.

Customer Data for the two products is segregated at the database-schema level. Access to Customer Data is controlled through row-level security policies and credential scoping.

CACulator.io may display promotional content for GridRep and other Gulf Holdings products and services. Such promotions are clearly identified and do not constitute an endorsement by you of those products. Any decision to use a promoted product is governed by that product’s own terms.

11. Customer Data, Benchmarking, and Anonymized Use

As between you and CACulator.io, you retain ownership of all Customer Data you submit to the service.

CACulator.io uses Customer Data to provide, operate, secure, support, maintain, and improve the service. This includes calculating metrics, saving scenarios, creating board books, generating exports, managing subscriptions, supporting connected services, and providing customer support.

CACulator.io uses Customer Data for benchmarking purposes only for users who have explicitly opted in via the SaaS profile (for example, by enabling benchmark contribution), and only in anonymized, de-identified, and aggregated form. We do not publish, display, sell, or disclose your identifiable company-level metrics, raw inputs, customer-specific financial information, or identifiable operating data to other users as part of benchmarking.

You may revoke benchmark participation at any time from your dashboard. After revocation, future contributions stop and your data is excluded from subsequent aggregations. Anonymized contributions already incorporated into prior aggregate outputs may persist in those aggregate outputs.

Benchmarking may include aggregated percentile ranges, cohort medians, directional guidance, sample-size indicators, confidence levels, and similar comparisons. We use minimum cohort thresholds and aggregation practices designed to reduce the risk that any individual company or account can be identified from benchmark Output.

CACulator.io will not sell your identifiable Customer Data. CACulator.io will not use your identifiable Customer Data to disclose your company’s private metrics to another CACulator.io customer.

You grant CACulator.io a limited, non-exclusive, worldwide license to host, process, transmit, store, analyze, reproduce, and display your Customer Data solely as reasonably necessary to provide, secure, support, maintain, and improve the service, and to create anonymized or aggregated benchmark Output as described above.

You represent and warrant that you have all rights, permissions, consents, and authority necessary to submit Customer Data to CACulator.io and to allow CACulator.io to process it under these Terms.

12. Recipients of Customer Outputs

When you invite Recipients to view a board book or other shared Output (for example, via a per-recipient magic-link token), you represent and warrant that each Recipient is authorized to receive the underlying business and financial information. You are responsible for selecting, communicating with, and revoking access for Recipients.

Recipients access CACulator.io Output subject to these Terms to the extent applicable to their passive use, and subject to the limited license you grant for the duration of their access token. Recipients may not share, forward, screenshot for redistribution, or attempt to circumvent watermarking, view tracking, or magic-link controls.

We may record per-view audit data (for example, timestamps, hashed network identifiers, user-agent hashes, and identifiers of sections viewed) for security, fraud-prevention, abuse detection, and product-improvement purposes. We may revoke Recipient access at any time at your request or where we reasonably believe access has been compromised or misused.

13. Confidentiality and Sensitive Information

You should not submit highly sensitive, regulated, confidential, or restricted information unless necessary for your use of the service and unless you have authority to do so.

You may not submit information that violates confidentiality obligations, employment agreements, customer agreements, investor agreements, securities laws, privacy laws, data protection laws, intellectual property rights, or third-party rights.

CACulator.io is not responsible for your decision to upload, enter, share, disclose, or distribute information that you were not authorized to provide.

14. Security, Data Incidents, and Data Residency

CACulator.io uses commercially reasonable administrative, technical, and organizational measures designed to protect the service, including row-level security on database tables, hashed storage of API Keys and magic-link tokens, and credential scoping for sub-processors. No online service, software platform, integration, cloud provider, network, or transmission method is perfectly secure.

CACulator.io does not guarantee that unauthorized access, disclosure, alteration, loss, corruption, or destruction of data will never occur.

Customer Data is hosted in the United States on infrastructure operated by Supabase (Postgres database, authentication, and file storage) and Vercel (application compute and edge). Transactional email is delivered via Postmark. AI processing is routed via OpenRouter to underlying model providers. We will provide reasonable notice of any change to the primary data hosting region.

To the maximum extent permitted by law, CACulator.io is not liable for unauthorized access, disclosure, alteration, loss, corruption, or destruction of data caused by your actions, your credentials, your systems, third-party services, internet vulnerabilities, force majeure events, or circumstances outside CACulator.io’s reasonable control.

Nothing in these Terms limits liability to the extent such limitation is prohibited by applicable law.

15. Acceptable Use

Your use of CACulator.io is also subject to our Acceptable Use Policy at /legal/acceptable-use, which is incorporated by reference into these Terms.

Without limitation, you may not:

• Scrape, crawl, harvest, copy, resell, sublicense, redistribute, or commercially exploit CACulator.io data, benchmark data, formulas, content, Output, APIs, or service features except as expressly permitted.
• Use CACulator.io to build, train, seed, or enhance a competing calculator, benchmark database, analytics product, reporting product, AI model, or SaaS metrics platform.
• Reverse engineer, decompile, disassemble, copy, modify, or create derivative works of the service.
• Overload, disrupt, attack, interfere with, or degrade the service or its infrastructure.
• Bypass paywalls, entitlement checks, usage limits, rate limits, security controls, authentication, API limits, or access restrictions.
• Use bots, scripts, automated systems, or unauthorized API calls except through approved API Keys.
• Upload malware, malicious code, harmful files, or content that infringes or violates third-party rights.
• Use CACulator.io for unlawful, fraudulent, misleading, defamatory, abusive, or harmful purposes.
• Misrepresent Output as certified, audited, guaranteed, or professionally verified.
• Share board books, magic links, exports, API Keys, Embed Tokens, or account access with unauthorized parties.
• Frame calculator widgets in misleading, abusive, or illegal contexts, or spoof allowed origins for an Embed Token.

We may suspend, restrict, or terminate access if we reasonably believe your use violates these Terms or the Acceptable Use Policy, threatens service integrity, creates legal risk, harms other users, or could damage CACulator.io, Gulf Holdings LLC, or third parties.

16. Embeds and API License

Subject to your subscription tier and active Embed Tokens or API Keys, and subject to these Terms and the Acceptable Use Policy, we grant you a limited, non-exclusive, non-sublicensable, revocable license to (a) embed CACulator.io calculator widgets on websites whose origins are listed in your Embed Token’s allowed-origins list and (b) make calls to the CACulator.io public REST API, in each case subject to applicable rate limits, white-label entitlement, attribution requirements for non-white-label embeds, and per-token request counters.

Non-white-label embeds must preserve CACulator.io attribution and links. White-label embeds are available only to eligible subscribers and may be downgraded if subscription status changes.

We may rate-limit, throttle, revoke, suspend, or rotate any Embed Token or API Key at any time, including for abuse, origin spoofing, sharing, exceeding rate limits, security risk, payment failure, or violation of these Terms or the Acceptable Use Policy. We may modify rate limits and request-counter rules with reasonable notice.

17. Beta and Early Access Features

From time to time we may offer features labeled “beta,” “early access,” “preview,” “experimental,” or similar. These features are provided as-is, may change or be removed without notice, may not be supported, and are excluded from any availability, performance, or service-level commitments.

Output from beta features should not be relied on for board reporting, investor communications, fundraising, accounting, or other material decisions. We may collect additional telemetry from beta features to evaluate quality and improve them.

18. Marketing Use of Customer Name and Logo

Unless you notify us otherwise in writing at legal@caculator.io, you grant Gulf Holdings LLC and CACulator.io permission to identify your company as a CACulator.io customer by using your company name, trade name, and logo in customer lists, website marketing, pitch decks, sales materials, social media, and other promotional materials.

We will not imply that you endorse CACulator.io, participate in a case study, or approve any specific testimonial unless you separately agree.

You may revoke this permission at any time by emailing legal@caculator.io. After receiving your written request, we will use commercially reasonable efforts to remove your company name and logo from public-facing marketing materials within a reasonable period. We are not required to recall or modify materials already published, distributed, archived, cached, or reasonably difficult to remove.

19. Intellectual Property

CACulator.io, including its software, design, user interface, workflows, formulas, benchmark methodology, templates, content, documentation, APIs, code, branding, logos, and related intellectual property, is owned by Gulf Holdings LLC or its licensors.

Except for the limited rights to use CACulator.io expressly granted in these Terms, no rights are transferred to you.

You may not use CACulator.io trademarks, logos, product names, or branding without our prior written permission, except as required to identify the service.

20. Copyright Complaints

If you believe content available on CACulator.io infringes your copyright, please send a notice that complies with 17 U.S.C. §512(c)(3) to legal@caculator.io. Your notice must include: (a) identification of the copyrighted work claimed to have been infringed; (b) identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate it; (c) your contact information; (d) a statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; (e) a statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner; and (f) your physical or electronic signature.

We may remove or disable access to material claimed to be infringing and may terminate accounts of repeat infringers.

21. Feedback

If you provide ideas, suggestions, requests, comments, improvements, or other feedback, you grant CACulator.io a perpetual, irrevocable, worldwide, royalty-free right to use, modify, commercialize, and incorporate that feedback without restriction or compensation.

22. Service Disclaimers

CACulator.io is designed to help SaaS founders, operators, finance teams, and go-to-market leaders calculate, understand, and communicate key business metrics. We work to provide useful formulas, clear methodology, reliable software, and practical Output.

That said, CACulator.io is an informational software tool, not a substitute for professional judgment, legal advice, tax advice, accounting review, audit procedures, investment advice, valuation advice, or financial advisory services.

You are responsible for reviewing and validating Output before relying on it for board reporting, fundraising, investor communications, accounting, tax, legal, operational, or strategic decisions.

CACulator.io does not guarantee that calculators, formulas, benchmarks, AI-generated drafts, board-book narratives, exports, integrations, or reports will be error-free, complete, current, or appropriate for your specific company, market, stage, accounting policy, pricing model, sales motion, or investor audience.

To the maximum extent permitted by law, CACulator.io is provided on an “as is” and “as available” basis. Gulf Holdings LLC disclaims warranties that are not expressly stated in these Terms, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and uninterrupted or error-free operation.

Nothing in these Terms is intended to disclaim liability that cannot legally be disclaimed.

23. Limitation of Liability

To the maximum extent permitted by law, Gulf Holdings LLC, CACulator.io, and their owners, officers, employees, contractors, agents, affiliates, suppliers, licensors, service providers, and representatives will not be liable for indirect, incidental, consequential, special, exemplary, punitive, or lost-profit damages, including lost revenue, lost savings, lost business opportunity, lost financing opportunity, reputational harm, loss of goodwill, lost data, business interruption, inaccurate reporting, or damages arising from reliance on CACulator.io Output.

CACulator.io’s total aggregate liability for claims arising out of or relating to the service or these Terms will not exceed the greater of:

• The amount you paid to CACulator.io during the three months before the event giving rise to the claim; or
• One hundred dollars.

These limitations apply regardless of the legal theory, whether contract, tort, negligence, strict liability, warranty, statute, or otherwise, and even if CACulator.io was advised of the possibility of such damages.

This section does not limit liability where limitation is prohibited by law.

24. Indemnification and Hold Harmless

This indemnification obligation does not apply to claims caused solely by CACulator.io’s gross negligence, willful misconduct, or material breach of these Terms.

We may assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense. You may not settle any claim without our prior written consent if the settlement imposes obligations or liability on CACulator.io or Gulf Holdings LLC.

You agree to defend, indemnify, and hold harmless Gulf Holdings LLC, CACulator.io, and their owners, officers, employees, contractors, agents, affiliates, suppliers, licensors, and service providers from and against claims, losses, liabilities, damages, judgments, penalties, fines, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:

• Your use or misuse of CACulator.io.
• Customer Data you submit, upload, connect, import, authorize, or share.
• Your violation of these Terms or the Acceptable Use Policy.
• Your violation of applicable law, third-party rights, confidentiality obligations, privacy obligations, contractual duties, employment obligations, customer obligations, investor obligations, or fiduciary obligations.
• Your unauthorized sharing of Output, board books, exports, API Keys, Embed Tokens, magic links, or account access.
• Claims that your Customer Data infringes, misappropriates, or violates another party’s rights.
• Acts or omissions of your Team Members or invited Recipients.
• Business decisions, investor communications, board materials, forecasts, reports, filings, or other actions taken by you or your organization based on Output.

25. Suspension, Termination, Data Export, and Deletion

We may suspend or terminate your access to CACulator.io at any time if we reasonably believe you violated these Terms or the Acceptable Use Policy, failed to pay fees, created security or legal risk, misused the service, or threatened the integrity of CACulator.io.

You may stop using CACulator.io at any time. Termination does not relieve you of payment obligations incurred before termination.

Upon termination or expiration of your Subscription, you may export your saved scenarios, board books, metric snapshots, and other Customer Data through in-app export tools (for example, CSV and PDF exports) for at least thirty (30) days following termination. After that period, we may delete Customer Data on a rolling schedule consistent with our Privacy Policy and applicable law. Anonymized, de-identified, or aggregated benchmark contributions made before termination may persist in benchmark Output.

Sections intended by their nature to survive will survive termination, including ownership, restrictions on misuse, Customer Data provisions, anonymized benchmarking rights, service disclaimers, limitation of liability, indemnification, arbitration, payment obligations, and confidentiality-related obligations.

26. Export Controls and Sanctions

You represent and warrant that you are not located in, and are not a national or resident of, any country or region subject to comprehensive United States sanctions, and that you are not listed on any United States government list of restricted or denied parties. You will not use CACulator.io, or transfer Output, in violation of United States or other applicable export-control or sanctions laws.

27. Changes to the Service or Terms

We may modify CACulator.io, change features, impose or modify limits, discontinue functionality, update formulas (subject to the versioning practice in Section 4), adjust benchmark methodology, change pricing, or revise these Terms from time to time.

We will provide at least thirty (30) days’ prior notice of material adverse changes to these Terms by email to the address on your account, by in-product notice, or by posting an updated version with an updated effective date. Non-material changes may take effect immediately on posting.

Your continued use of CACulator.io after updated Terms become effective constitutes acceptance. If you do not agree to the updated Terms, your sole remedy is to stop using CACulator.io and, if applicable, cancel your Subscription before the changes take effect.

You consent to receive all communications related to your account electronically, and you agree that electronic agreements, notices, and records satisfy any legal requirement that such communications be in writing under the federal E-SIGN Act and applicable state electronic-signature laws.

28. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except to the extent federal law applies.

29. Binding Arbitration; Pinellas County, Florida

Any dispute, claim, controversy, or cause of action arising out of or relating to these Terms, CACulator.io, Gulf Holdings LLC, your account, your Subscription, your use of the service, Output, Customer Data, benchmarks, AI-generated content, integrations, billing, or any relationship between you and CACulator.io must be resolved exclusively through final and binding arbitration, except as set out below.

The arbitration will be administered by JAMS under its Streamlined Arbitration Rules, or, if either party prefers, by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will be conducted by a single neutral arbitrator with experience in commercial software disputes. The seat and venue of arbitration will be Pinellas County, Florida. The arbitration will be conducted in English.

You and Gulf Holdings LLC agree that arbitration will be conducted only on an individual basis. You may not bring claims as a plaintiff or class member in any class, collective, consolidated, private attorney general, representative, or similar proceeding. The arbitrator may not consolidate claims of different users or preside over any form of class or representative proceeding.

You may opt out of binding arbitration within thirty (30) days after first agreeing to these Terms by emailing legal@caculator.io with your account email and a clear statement that you decline arbitration. Opting out does not affect any other provision of these Terms.

You and Gulf Holdings LLC waive the right to a jury trial and the right to litigate disputes in court, except for:

• Actions to compel arbitration.
• Actions to confirm, modify, or vacate an arbitration award.
• Claims seeking temporary or preliminary injunctive relief to protect intellectual property, confidential information, security, service integrity, or unauthorized access.
• Claims that cannot legally be required to be arbitrated.

Any permitted court proceeding will be brought exclusively in the state or federal courts located in Pinellas County, Florida, and each party consents to personal jurisdiction and venue there.

30. Time Limit for Claims

To the maximum extent permitted by law, any claim arising out of or relating to these Terms or CACulator.io must be filed within one year after the claim arose, except where applicable law requires a longer period for that specific claim, in which case the statutory minimum applies. Otherwise, the claim is permanently barred.

31. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable, unless modification is not permitted by law.

32. Assignment

You may not assign or transfer these Terms or your account without our prior written consent.

We may assign these Terms in connection with a merger, acquisition, financing, sale of assets, corporate reorganization, change of control, or transfer of the service.

33. Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, Acceptable Use Policy, Data Processing Addendum, any applicable order form, checkout page, subscription terms, and written agreement signed by both parties, constitute the entire agreement between you and Gulf Holdings LLC regarding CACulator.io and supersede all prior or contemporaneous agreements regarding the service. In the event of a conflict, a written agreement signed by both parties controls, followed by these Terms, followed by the other referenced policies.

34. Contact

For legal notices, logo-use opt-outs, arbitration opt-outs, DMCA notices, sub-processor list requests, and Terms-related questions, contact:

Gulf Holdings LLC

Product: CACulator.io

Email: legal@caculator.io