Terms of Service — FranVantage

1. Acceptance of Terms and Eligibility

By accessing, browsing, or using FranVantage ("the Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you must immediately cease all use of the Service.

The Service is operated by LayaVantage Systems Corp., a Colorado corporation doing business as FranVantage ("Company," "we," "us," or "our"). References to "FranVantage" in these Terms include LayaVantage Systems Corp. and its subsidiaries, affiliates, officers, directors, employees, agents, licensors, successors, and assigns (collectively, the "FranVantage Parties").

By using the Service, you represent and warrant that: (a) you are at least 18 years of age; (b) you have the legal capacity to enter into a binding agreement; (c) you are not prohibited from using the Service under any applicable law, including U.S. export controls and sanctions regulations; and (d) if you are using the Service on behalf of an entity, you have the authority to bind that entity to these Terms. These Terms are binding upon you and your heirs, executors, administrators, personal representatives, successors, and assigns.

2. Description of Service

FranVantage provides AI-powered analysis of Franchise Disclosure Documents (FDDs). The Service extracts, summarizes, and analyzes information from uploaded FDD documents using large language models. The Service includes two access tiers:

Classic — FDD item summaries and AI companion.
Journey — Full analysis including financial modeling, risk assessment, contract terms analysis, and action items.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

3. Accounts

You must create an account to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account, whether or not authorized by you. You must provide accurate, current, and complete information during registration and keep that information up to date. You may not share your account with others or create multiple accounts.

You must notify us immediately at security@franvantage.com of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to protect your account credentials or to notify us of unauthorized access. You consent to our monitoring of account activity, usage patterns, and system logs for the purposes of security, abuse detection, service improvement, and enforcement of these Terms.

4. Credits, Payments, and Taxes

Access to document analysis requires credits, which are purchased through Stripe. Credit packages and pricing are displayed on the billing page and are subject to change at any time upon reasonable notice. All payments are processed by Stripe and subject to Stripe's terms of service.

Credits are applied to your account immediately upon successful payment.
Credits do not expire but are non-transferable between accounts.
Each document analysis consumes one credit of the selected tier.
Credits are deducted at the time of upload confirmation, before analysis begins.
All prices are in U.S. dollars unless otherwise stated.

You are responsible for all applicable taxes, duties, and government assessments associated with your purchases. If a payment is disputed, charged back, or reversed through your bank or payment provider, we reserve the right to immediately suspend your account and revoke access to all analysis results until the dispute is resolved. Fraudulent chargebacks may result in permanent account termination and referral for collection.

Refunds are governed by our Refund Policy, which is incorporated into these Terms by reference.

5. Access and Expiration

Document access is granted for 90 days from analysis completion. After expiration, you may renew access for a fee. Access renewal extends your viewing period but does not re-run the analysis. A complimentary sample document is provided to all users with no expiration.

We have no obligation to maintain, store, or provide access to analysis results, uploaded documents, or any other data beyond the access period. Analysis reflects a point-in-time assessment of the document as uploaded and does not account for subsequent changes to the franchise system, its financial performance, FDD amendments, or changes in applicable law.

6. Document Upload, Storage, and Third-Party Processing

You may only upload FDD documents that you have the legal right to possess and analyze. You represent and warrant that your upload and our processing of any document does not violate any law, regulation, confidentiality obligation, or third-party rights (including intellectual property rights of franchisors). We reserve the right to refuse to process any document for any reason or no reason, including if we reasonably believe the document was obtained unlawfully, is not a legitimate FDD, or poses legal or operational risk.

FDD documents are stored securely in encrypted cloud storage (AWS S3) and are only accessible to you and authorized administrators. We do not share your uploaded documents with other users.

You acknowledge and consent that your uploaded documents are transmitted to third-party AI service providers (including Amazon Bedrock, Anthropic Claude, and Mistral) for the purpose of processing and analysis. These third-party providers process your document content under their respective terms of service and data processing agreements. We do not use your documents to train AI models, but we cannot control and do not warrant the data handling practices of third-party AI providers beyond our contractual agreements with them.

7. AI-Generated Content

All analysis, summaries, risk assessments, financial models, projections, scenarios, playbooks, recommendations, and other outputs generated by the Service are produced entirely by artificial intelligence. This content:

Is not legal, financial, investment, tax, or accounting advice.
May contain errors, omissions, hallucinations, fabrications, or misinterpretations of FDD content.
May present fabricated information in a manner that appears authoritative and well-sourced.
Should be independently verified against the original FDD document in every instance.
Does not replace consultation with a qualified franchise attorney, financial advisor, or accountant.
Does not meet any professional standard of care applicable to attorneys, accountants, financial advisors, or other licensed professionals.
May produce different results when the same document is analyzed multiple times.
Does not account for your personal financial situation, risk tolerance, or investment objectives.

Financial projections, P&L models, KPI dashboards, and breakeven calculations are hypothetical, based solely on data extracted from the FDD, and should not be relied upon as predictions of actual financial performance.

We are not responsible for errors, omissions, or inaccuracies contained in the FDD document itself. The accuracy of AI-generated analysis depends on the accuracy, completeness, and legibility of the uploaded document. AI-generated risk assessments, opinions, and characterizations of franchise opportunities reflect automated analysis and do not constitute defamation, disparagement, or tortious interference with any franchisor's business relationships.

We reserve the right to modify, correct, update, or remove any AI-generated analysis at any time without notice. See our AI Disclaimer for complete details.

8. Intellectual Property

You retain ownership of any FDD documents you upload. We retain exclusive ownership of the Service, its design, algorithms, analytical frameworks, prompts, user interface, branding, and all underlying technology. All trademarks, service marks, and trade names displayed on the Service are the property of their respective owners.

The AI-generated analysis of your documents is licensed to you for personal, non-commercial use during your access period. You may share analysis outputs with your immediate family, personal attorney, or financial advisor for the sole purpose of evaluating a franchise investment. You may not redistribute, resell, publish, or commercially exploit any Service outputs without our prior written consent.

By uploading a document, you grant us a limited, non-exclusive, non-transferable license to process, analyze, store, and transmit that document solely for the purpose of providing the Service to you, including transmission to third-party AI providers. This license terminates when you delete your document or your account.

Feedback. If you provide any feedback, suggestions, ideas, feature requests, or recommendations regarding the Service ("Feedback"), you hereby assign to us all right, title, and interest in and to such Feedback, and we may use it without restriction, attribution, or compensation to you.

Copyright Claims. If you believe that any content on the Service infringes your copyright, you may submit a notice to legal@franvantage.com containing: (a) identification of the copyrighted work; (b) identification of the allegedly infringing material; (c) your contact information; (d) a statement of good faith belief; and (e) a statement under penalty of perjury that the information is accurate and you are authorized to act on behalf of the copyright owner. We process AI-generated analysis of user-uploaded documents under fair use principles and in accordance with the Digital Millennium Copyright Act.

9. Prohibited Uses

You agree not to:

Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
Upload documents you do not have the legal right to possess or analyze.
Attempt to reverse-engineer, decompile, disassemble, or extract the Service's algorithms, prompts, or analytical methodologies.
Redistribute, resell, sublicense, or commercially exploit AI-generated analysis without written permission.
Use automated tools, bots, or scripts to scrape, crawl, or extract data from the Service.
Impersonate another person or entity, or misrepresent your affiliation.
Represent or imply that AI-generated analysis constitutes professional legal, financial, or investment advice.
Use the Service to build a competing product or service, or to benchmark the Service against competitors.
Circumvent, disable, or interfere with any security, payment, or access control features of the Service.
Upload malicious files, viruses, or any content designed to disrupt the Service.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE PRACTICE.

WITHOUT LIMITING THE FOREGOING, THE FRANVANTAGE PARTIES DO NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) THE RESULTS OBTAINED FROM THE SERVICE WILL BE ACCURATE, RELIABLE, OR COMPLETE; (C) AI-GENERATED ANALYSIS WILL MEET ANY PROFESSIONAL STANDARD OF CARE; (D) ANY ERRORS IN THE SERVICE WILL BE CORRECTED; (E) THE SERVICE WILL BE COMPATIBLE WITH YOUR EQUIPMENT OR SOFTWARE; OR (F) THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.

THE FRANVANTAGE PARTIES MAKE NO WARRANTY REGARDING THE QUALITY, ACCURACY, TIMELINESS, TRUTHFULNESS, COMPLETENESS, OR RELIABILITY OF ANY AI-GENERATED CONTENT, INCLUDING BUT NOT LIMITED TO FINANCIAL PROJECTIONS, RISK ASSESSMENTS, LEGAL INTERPRETATIONS, OR RECOMMENDATIONS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE FRANVANTAGE PARTIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITIES, ANTICIPATED SAVINGS, OR THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, WARRANTY, OR OTHERWISE) AND EVEN IF ANY FRANVANTAGE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE FRANVANTAGE PARTIES SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE, OR CLAIM ARISING FROM: (A) YOUR RELIANCE ON AI-GENERATED ANALYSIS, SUMMARIES, FINANCIAL MODELS, PROJECTIONS, RISK ASSESSMENTS, SCENARIOS, OR RECOMMENDATIONS; (B) ANY FRANCHISE INVESTMENT DECISION MADE OR NOT MADE BASED ON SERVICE OUTPUTS; (C) ERRORS, INACCURACIES, HALLUCINATIONS, FABRICATIONS, OR OMISSIONS IN AI-GENERATED CONTENT; (D) FAILURES, OUTAGES, OR ERRORS BY THIRD-PARTY SERVICE PROVIDERS INCLUDING BUT NOT LIMITED TO CLOUD INFRASTRUCTURE, PAYMENT PROCESSORS, AND AI MODEL PROVIDERS; (E) YOUR UPLOAD OF INCOMPLETE, OUTDATED, CORRUPTED, OR INCORRECT DOCUMENTS; (F) ANY THIRD PARTY'S RELIANCE ON ANALYSIS OR REPORTS YOU SHARE OR DISTRIBUTE; (G) CHANGES IN FRANCHISE TERMS, MARKET CONDITIONS, REGULATORY REQUIREMENTS, OR ECONOMIC CONDITIONS OCCURRING AFTER THE DATE OF ANALYSIS; (H) UNAUTHORIZED ACCESS TO, ALTERATION OF, BREACH OF, OR LOSS OF YOUR DATA, DOCUMENTS, OR TRANSMISSIONS, INCLUDING ANY SECURITY INCIDENT AFFECTING YOUR UPLOADED FDDS OR ANALYSIS RESULTS; (I) ANY FRANCHISOR'S CLAIMS OF DEFAMATION, DISPARAGEMENT, OR TORTIOUS INTERFERENCE ARISING FROM AI-GENERATED ANALYSIS OF THEIR FDD; (J) YOUR FAILURE TO CONSULT QUALIFIED LEGAL, FINANCIAL, OR ACCOUNTING PROFESSIONALS BEFORE MAKING A FRANCHISE INVESTMENT DECISION; OR (K) ANY OTHER MATTER RELATING TO THE SERVICE.

ALL ANALYSIS REPRESENTS A POINT-IN-TIME ASSESSMENT OF THE DOCUMENT AS UPLOADED AND DOES NOT REFLECT SUBSEQUENT CHANGES TO THE FRANCHISE SYSTEM, ITS FINANCIAL PERFORMANCE, OR APPLICABLE LAW. ALL OUTPUTS CONSTITUTE OPINION AND INFORMATIONAL COMMENTARY, NOT STATEMENTS OF FACT, AND DO NOT MEET ANY PROFESSIONAL STANDARD OF CARE.

IN NO EVENT SHALL THE TOTAL CUMULATIVE AGGREGATE LIABILITY OF THE FRANVANTAGE PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100). THIS LIMITATION APPLIES REGARDLESS OF THE FORM OF ACTION OR THEORY OF LIABILITY AND EVEN IF ANY LIMITED REMEDY SET FORTH HEREIN FAILS OF ITS ESSENTIAL PURPOSE.

YOU ACKNOWLEDGE THAT THE FEES CHARGED BY THE COMPANY REFLECT THE ALLOCATION OF RISK SET FORTH IN THESE TERMS AND THAT THE COMPANY WOULD NOT PROVIDE THE SERVICE WITHOUT THESE LIMITATIONS OF LIABILITY.

12. Assumption of Risk

You expressly acknowledge and agree that:

Franchise investments involve substantial financial risk, including the potential for total loss of invested capital, personal liability, and long-term contractual obligations.
AI-generated analysis is inherently limited, probabilistic, and may contain errors, omissions, hallucinations, or fabricated information that appears authoritative.
The Service is not a substitute for professional legal, financial, accounting, or tax advice.
You assume all risk associated with the use of the Service and any decisions made or not made based on its outputs.
FranVantage does not guarantee the accuracy, completeness, reliability, or fitness for any purpose of any AI-generated content.
Franchise laws, regulations, and requirements vary significantly by state and jurisdiction, and the Service does not account for jurisdiction-specific legal requirements.
Financial projections and models are hypothetical and based solely on extracted FDD data, which may itself contain errors or be subject to change.

BY USING THE SERVICE, YOU VOLUNTARILY ASSUME ALL RISKS ASSOCIATED WITH YOUR USE OF AI-GENERATED ANALYSIS AND ANY FRANCHISE INVESTMENT DECISIONS INFLUENCED THEREBY. YOU AGREE THAT NO FRANVANTAGE PARTY SHALL HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY SUCH DECISIONS.

13. No Fiduciary Relationship; No Professional Advice

Nothing in these Terms or in your use of the Service creates any professional-client, attorney-client, advisor-client, broker-client, or fiduciary relationship between you and any FranVantage Party. FranVantage is not a law firm, accounting firm, broker-dealer, registered investment advisor, or any other licensed professional service provider. No FranVantage Party owes you any duty of care beyond providing access to the Service as described in these Terms.

The Service provides AI-generated informational content only and does not constitute legal, financial, investment, tax, accounting, or other professional advice. You should always consult qualified professionals before making any franchise investment decision.

14. Indemnification

You agree to indemnify, defend, and hold harmless the FranVantage Parties from and against any and all claims, demands, actions, damages, losses, liabilities, judgments, settlements, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to: (a) your use of or access to the Service; (b) any reliance you or any third party places on AI-generated analysis or outputs; (c) any franchise investment decision made or not made based in whole or in part on information obtained through the Service; (d) your violation of these Terms; (e) your violation of any applicable law, rule, or regulation; (f) your violation of any rights of a third party, including intellectual property rights; (g) any document you upload to the Service; or (h) any claim by a franchisor or other third party arising from analysis of an uploaded FDD.

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims. You agree not to settle any such matter without our prior written consent.

15. Release and Waiver

You hereby release and forever discharge the FranVantage Parties from any and all claims, demands, damages, losses, liabilities, costs, and expenses of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with your use of the Service or any franchise investment decision made or not made based on Service outputs.

YOU EXPRESSLY WAIVE AND RELINQUISH ALL RIGHTS AND BENEFITS UNDER ANY LAW OR LEGAL PRINCIPLE IN ANY JURISDICTION THAT WOULD OTHERWISE LIMIT THE COVERAGE OF THIS RELEASE TO CLAIMS KNOWN OR SUSPECTED TO EXIST AT THE TIME OF AGREEING TO THIS RELEASE. THIS INCLUDES, WITHOUT LIMITATION, A WAIVER OF CALIFORNIA CIVIL CODE SECTION 1542, WHICH PROVIDES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY." YOU ALSO WAIVE ANY SIMILAR RIGHTS UNDER THE LAWS OF ANY OTHER STATE OR JURISDICTION, INCLUDING BUT NOT LIMITED TO SECTION 9-610 OF THE NEW YORK GENERAL OBLIGATIONS LAW AND ANY ANALOGOUS PROVISIONS OF THE LAWS OF YOUR STATE OF RESIDENCE. YOU ACKNOWLEDGE THAT YOU MAY DISCOVER FACTS DIFFERENT FROM OR IN ADDITION TO THOSE WHICH YOU NOW KNOW OR BELIEVE TO BE TRUE AND YOU AGREE THAT THIS RELEASE SHALL REMAIN EFFECTIVE IN ALL RESPECTS NOTWITHSTANDING SUCH DISCOVERY.

16. No Third-Party Beneficiaries

These Terms are for the sole benefit of you and the FranVantage Parties. No third party (including any person with whom you share Service outputs, any family member, business partner, advisor, attorney, or other person) is a beneficiary of these Terms or has any right to enforce any provision of these Terms. If you share analysis results, reports, or other Service outputs with any third party, you are solely responsible for any reliance such third party places on those outputs, and no FranVantage Party shall have any liability to such third party.

17. Account Termination

We may suspend or terminate your account immediately and without notice if we reasonably believe you have violated these Terms, engaged in fraud or abuse, or if your continued use poses a risk to the Service, other users, or third parties. We may also terminate accounts that remain inactive for an extended period.

You may delete your account at any time through the Settings page. Upon termination for any reason: (a) your right to use the Service ceases immediately; (b) your access to all analysis results and uploaded documents will end; (c) unused credits are forfeited and non-refundable unless otherwise required by applicable law; and (d) we may retain anonymized data for service improvement and aggregated analytics. We may also retain data as required by law, regulation, or legal process.

18. Mandatory Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

Any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or any aspect of your relationship with us ("Dispute") shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted on an individual basis only — not as a class, consolidated, or representative action.

Class Action Waiver: YOU AND FRANVANTAGE EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND IN ANY FORUM. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING.

Jury Trial Waiver: TO THE EXTENT PERMITTED BY LAW, YOU AND FRANVANTAGE EACH WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING.

The arbitration shall take place in the State of Colorado, or at another mutually agreed location. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. All arbitration proceedings shall be confidential, and neither party may disclose the existence, content, or results of any arbitration without the prior written consent of the other party, except as required by law or to enforce the arbitration award.

Cost Allocation: Each party shall bear its own costs and attorneys' fees, unless the arbitrator determines that a claim or defense was frivolous or brought in bad faith, in which case the arbitrator may award reasonable attorneys' fees and costs to the prevailing party.

Statute of Limitations: Any Dispute must be filed within one (1) year after the date the cause of action first arose. Failure to file within this period constitutes a permanent waiver of such claim. This limitation applies regardless of any statute of limitations that would otherwise apply.

Pre-Arbitration Dispute Resolution: Before initiating arbitration, you must send a written notice of dispute to legal@franvantage.com describing the nature of the claim and the specific relief sought. The parties shall attempt to resolve the Dispute informally for at least thirty (30) days before initiating arbitration.

Exceptions: Either party may bring an individual action in small claims court for Disputes within the court's jurisdiction. Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights, violation of confidentiality obligations, unauthorized access to or misuse of the Service, or any other violation of these Terms where monetary damages would be inadequate. You acknowledge that any breach of Section 8 (Intellectual Property) or Section 9 (Prohibited Uses) would cause irreparable harm to the FranVantage Parties for which monetary damages would be an insufficient remedy.

Opt-Out: You may opt out of this arbitration provision by sending written notice to legal@franvantage.com within 30 days of first accepting these Terms. The notice must include your name, account email, and a clear statement that you wish to opt out of binding arbitration.

19. Colorado AI Act Compliance

FranVantage uses artificial intelligence to analyze franchise disclosure documents. In compliance with the Colorado Artificial Intelligence Act, we provide detailed disclosures about our AI system, its capabilities, its limitations, and your rights in our AI Disclaimer. By using the Service, you acknowledge that you have been informed of and have access to these disclosures.

20. Force Majeure

No FranVantage Party shall be liable for any failure or delay in performing obligations under these Terms where such failure or delay results from circumstances beyond reasonable control, including but not limited to: natural disasters, acts of God, acts of government or regulatory authorities, internet or telecommunications outages, third-party service provider failures (including AWS, Stripe, Anthropic, and Mistral), cyberattacks, distributed denial-of-service attacks, pandemics, epidemics, labor disputes, power failures, or acts of terrorism.

21. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or through the Service at least fifteen (15) days before the changes take effect. Continued use of the Service after the effective date of changes constitutes acceptance of the updated Terms. If you do not agree with the updated Terms, you must stop using the Service and may request account deletion.

22. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Colorado, without regard to conflict of law principles. Subject to the mandatory arbitration provision in Section 18, any disputes not subject to arbitration shall be resolved exclusively in the state or federal courts located in the State of Colorado, and you consent to the personal jurisdiction of such courts.

23. Electronic Communications

By creating an account and using the Service, you consent to receive communications from us electronically, including by email and through in-app notifications. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You are responsible for maintaining a current email address in your account settings.

24. Assignment

You may not assign or transfer these Terms, or any rights or obligations hereunder, without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction and without notice to you, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets. Any attempted assignment in violation of this section shall be void.

25. Severability

If any provision of these Terms is found to be unenforceable, invalid, or illegal by a court or arbitrator of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The invalidity of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect. If the class action waiver in Section 18 is found unenforceable, then the entirety of the arbitration provision shall be null and void (but the remaining Terms shall still apply).

26. General Provisions

Entire Agreement. These Terms, together with our Privacy Policy, Refund Policy, and AI Disclaimer, constitute the entire agreement between you and the Company regarding your use of the Service and supersede all prior and contemporaneous agreements, representations, warranties, and understandings, whether written, oral, or implied.

Waiver. Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us. No single or partial exercise of any right or remedy shall preclude any other or further exercise thereof.

No Partnership or Agency. Nothing in these Terms creates any partnership, joint venture, employment, or agency relationship between you and any FranVantage Party. You have no authority to bind or obligate any FranVantage Party in any manner.

Headings. Section headings are for convenience of reference only and shall not affect the interpretation of these Terms.

Cumulative Remedies. All rights and remedies provided in these Terms are cumulative and not exclusive of any other rights or remedies available at law, in equity, or otherwise.

Export Compliance. You agree to comply with all applicable export and re-export control laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce, trade and economic sanctions maintained by the U.S. Treasury Department's Office of Foreign Assets Control (OFAC), and the International Traffic in Arms Regulations maintained by the U.S. Department of State. You represent that you are not located in, under the control of, or a national or resident of any country to which the United States has embargoed goods or services, and that you are not on any U.S. government restricted parties list.

Insurance Disclaimer. The Service is not an insurance product. We are not an insurer and do not provide any form of indemnity, guarantee, or insurance against franchise investment losses. No analysis output should be construed as a guarantee or assurance regarding the viability, safety, or profitability of any franchise investment.

27. SMS/Text Messaging Terms

Program name: FranVantage SMS Notifications. FranVantage offers optional SMS/text message notifications to account holders — document analysis completion alerts, upload confirmations, and pipeline status updates. These messages are transactional only; we never send marketing or promotional texts.

Opt-in. SMS is off by default. You opt in by adding your phone number and enabling the "SMS Notifications" toggle in Account Settings at app.franvantage.com/account.

Message frequency. Frequency varies with your use of the platform; most users receive fewer than 5 messages per month.

Message and data rates may apply. FranVantage does not charge for SMS messages, but your mobile carrier may charge standard messaging fees.

Opt-out and help. Reply STOP to any message to unsubscribe, or reply HELP for assistance. You may also manage SMS in Account Settings or contact support@franvantage.com.

For full details on how we collect and handle your phone number, see the SMS/Text Messaging section of our Privacy Policy.

28. Survival

The following sections shall survive any termination or expiration of these Terms or your account: Intellectual Property (Section 8), Disclaimer of Warranties (Section 10), Limitation of Liability (Section 11), Assumption of Risk (Section 12), No Fiduciary Relationship (Section 13), Indemnification (Section 14), Release and Waiver (Section 15), No Third-Party Beneficiaries (Section 16), Mandatory Arbitration (Section 18), Force Majeure (Section 20), Governing Law (Section 22), Severability (Section 25), General Provisions (Section 26), and this Survival provision (Section 28).

29. Contact

Questions about these Terms? Contact us at legal@franvantage.com.