Terms of Service

Welcome to Annuit Agency Inc. (“Annuit,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, services, and products. By accessing or using our services, you agree to be bound by these Terms.

Please read these Terms carefully before using our services. If you do not agree to these Terms, you may not access or use our services.

1. Acceptance of Terms

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and any other applicable policies. If you are using our services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Services

Annuit Agency provides digital marketing, AI automation, web development, and business optimization services. Our specific service offerings include:

Website design and development
AI-powered automation solutions
Search engine optimization (SEO)
Digital marketing strategy and execution
Business consulting and analytics
Customer service automation

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

3. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

4. User Accounts

Some of our services may require you to create an account. When creating an account, you agree to:

Provide accurate, current, and complete information
Maintain and promptly update your account information
Maintain the security of your account credentials
Accept responsibility for all activities under your account
Notify us immediately of any unauthorized access or security breach

You are solely responsible for maintaining the confidentiality of your account and password. We are not liable for any loss or damage arising from your failure to protect your account information.

5. Acceptable Use Policy

When using our services, you agree not to:

Violate any applicable laws, regulations, or third-party rights
Use our services for any unlawful, fraudulent, or malicious purpose
Transmit viruses, malware, or other harmful code
Attempt to gain unauthorized access to our systems or networks
Interfere with or disrupt the operation of our services
Impersonate any person or entity or misrepresent your affiliation
Collect or harvest information about other users without consent
Use automated means to access our services without permission
Engage in any activity that could damage our reputation or business

We reserve the right to investigate and take appropriate action against anyone who violates this Acceptable Use Policy, including terminating accounts and reporting violations to law enforcement.

6. Service Agreements and Payments

Service Contracts

Specific services will be provided under separate written agreements that outline scope, deliverables, timelines, and compensation. These service agreements supplement and incorporate these Terms by reference.

Fees and Payment

You agree to pay all fees associated with the services you purchase. Fees are due as specified in your service agreement. Late payments may be subject to interest charges and may result in suspension or termination of services.

Refunds

Refund policies vary by service and will be specified in your service agreement. Generally, custom development work, completed deliverables, and monthly retainer fees are non-refundable.

7. Intellectual Property Rights

Our Intellectual Property

All content, features, and functionality of our website and services, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, and software, are the exclusive property of Annuit Agency or its licensors and are protected by copyright, trademark, patent, and other intellectual property laws.

Your Content

You retain ownership of any content, data, or materials you provide to us (“Your Content”). By providing Your Content, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display Your Content solely for the purpose of providing our services to you.

Deliverables

Upon full payment for services, you will receive ownership rights to the final deliverables as specified in your service agreement. We retain the right to display completed work in our portfolio and marketing materials unless otherwise agreed in writing.

8. Confidentiality

Both parties agree to maintain the confidentiality of any proprietary or confidential information disclosed during the course of our business relationship. This obligation survives the termination of these Terms and any service agreements.

9. Third-Party Services and Links

Our services may integrate with or link to third-party services, websites, or applications. We are not responsible for:

The availability, accuracy, or content of third-party services
The privacy practices of third-party services
Any damages or losses caused by third-party services

Your use of third-party services is at your own risk and subject to their terms and conditions.

10. Disclaimers and Warranties

Services Provided “As Is”

Our services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to:

Warranties of merchantability or fitness for a particular purpose
Warranties of non-infringement
Warranties that services will be uninterrupted, secure, or error-free

No Guarantee of Results

While we strive to deliver high-quality services, we do not guarantee specific results, outcomes, or performance metrics. Actual results may vary based on numerous factors beyond our control, including but not limited to market conditions, competition, client cooperation, and third-party platforms.

11. Limitation of Liability

To the fullest extent permitted by law, Annuit Agency and its officers, directors, employees, and agents shall not be liable for:

Any indirect, incidental, special, consequential, or punitive damages
Loss of profits, revenue, data, or business opportunities
Damages resulting from use or inability to use our services
Damages resulting from third-party services or content

Our total liability to you for all claims arising from or related to our services shall not exceed the amount you paid us in the twelve (12) months preceding the claim, or $1,000, whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless Annuit Agency and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising from:

Your use of our services
Your violation of these Terms
Your violation of any rights of another party
Your Content or materials provided to us

13. Termination

Termination by You

You may terminate your use of our services at any time by providing written notice. Termination does not relieve you of your obligation to pay for services already provided.

Termination by Us

We may suspend or terminate your access to our services immediately, without prior notice, if:

You violate these Terms or any applicable policies
You fail to pay fees when due
Your conduct poses a security or legal risk
We are required to do so by law

Effect of Termination

Upon termination, your right to use our services will immediately cease. Provisions of these Terms that by their nature should survive termination will survive, including intellectual property rights, disclaimers, indemnification, and limitations of liability.

14. Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions.

Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.

Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and Annuit Agency individually. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Exceptions

Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

Posting the updated Terms on our website
Updating the “Last Updated” date
Sending you an email notification if you have an active service agreement

Your continued use of our services after changes become effective constitutes your acceptance of the updated Terms. If you do not agree to the changes, you must discontinue use of our services.

16. Miscellaneous

Entire Agreement

These Terms, together with any service agreements and our Privacy Policy, constitute the entire agreement between you and Annuit Agency regarding our services.

Severability

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

Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, war, terrorism, natural disasters, or government actions.