Squabble International, Inc.

1. Contractual Relationship

These Terms of Use (“Terms”) govern your access or use, from within the United States and its territories and possessions, of the applications, websites, content, products, and services (the “Services,” as more fully defined below in Section 3) made available in the United States and its territories and possessions by Squabble International, Inc. and its parents, subsidiaries, representatives, affiliates, officers and directors (collectively, “Squabble”). PLEASE READ THESE TERMS CAREFULLY, AS THEY CONSTITUTE A LEGAL AGREEMENT BETWEEN YOU AND SQUABBLE. In these Terms, the words “including” and “include” mean “including, but not limited to.”

By accessing or using the Services, you confirm your agreement to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services. These Terms expressly supersede prior agreements or arrangements with you. Squabble may immediately terminate these Terms or any Services with respect to you, or generally cease offering or deny access to the Services or any portion thereof, at any time for any reason.

Supplemental terms may apply to certain Services, such as policies for a particular event, program, activity or promotion, and such supplemental terms will be disclosed to you in separate disclosures or in connection with the applicable Service(s). Supplemental terms are in addition to, and shall be deemed a part of, the Terms for the purposes of the applicable Service(s). Supplemental terms shall prevail over these Terms in the event of a conflict with respect to the applicable Services.

Squabble may amend the Terms from time to time. Amendments will be effective upon Squabble's posting of such updated Terms at this location or in the amended policies or supplemental terms on the applicable Service(s). Your continued access or use of the Services after such posting confirms your consent to be bound by the Terms, as amended. If Squabble changes these Terms after the date you first agreed to the Terms (or to any subsequent changes to these Terms), you may reject any such change by providing Squabble written notice of such rejection within 30 days of the date such change became effective. This written notice must be provided either (a) by mail or hand delivery to our registered agent for service of process, c/o Squabble International, Inc., or (b) by email from the email address associated with your Account to: info@squabbleapp.com.

In order to be effective, the notice must include your full name and clearly indicate your intent to reject changes to these Terms. By rejecting changes, you are agreeing that you will continue to be bound by the provisions of these Terms as of the date you first agreed to the Terms (or to any subsequent changes to these Terms).

Squabble's collection and use of personal information in connection with the Services is described in Squabble's Privacy Policy located at https://squabbleapp.com/privacy.

2. Arbitration Agreement

Agreement to Binding Arbitration Between You and Squabble

You and Squabble agree that any dispute, claim or controversy arising out of or relating to (a) these Terms or the existence, breach, termination, enforcement, interpretation or validity thereof, or (b) your access to or use of the Services at any time, whether before or after the date you agreed to the Terms, will be settled by binding arbitration between you and Squabble, and not in a court of law.

You acknowledge and agree that you and Squabble are each waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding. Unless both you and Squabble otherwise agree in writing, any arbitration will be conducted only on an individual basis and not in a class, collective, consolidated, or representative proceeding. However, you and Squabble each retain the right to bring an individual action in small claims court and the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party's copyrights, trademarks, trade secrets, patents or other intellectual property rights.

Rules and Governing Law

The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the AAA's Consumer Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “AAA Rules”) then in effect, except as modified by this Arbitration Agreement. The parties agree that the arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any disputes relating to the interpretation, applicability, enforceability or formation of this Arbitration Agreement. The Federal Arbitration Act, 9 U.S.C. § 1 et seq. (“FAA”), will govern its interpretation and enforcement. If the FAA and AAA Rules are found to not apply to any issue that arises under this Arbitration Agreement, then that issue shall be resolved under the laws of the State of California.

Fees

Your responsibility to pay any AAA filing, administrative and arbitrator fees will be solely as set forth in the AAA Rules. However, if your claim for damages does not exceed $75,000, Squabble will pay all such fees, unless the Arbitrator finds that either the substance of your claim or the relief sought was frivolous or was brought for an improper purpose.

Severability and Survival

If any portion of this Arbitration Agreement is found to be unenforceable or unlawful for any reason, (1) the unenforceable or unlawful provision shall be severed from these Terms; (2) severance shall have no impact on the remainder of the Arbitration Agreement; and (3) to the extent that any claims must proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in a civil court of competent jurisdiction and not in arbitration.

3. The Services

The Services comprise mobile applications and related services (each, an “Application”), which enable users to resolve legal disputes, including with third party providers under agreement with Squabble or certain of Squabble's affiliates (“Third Party Providers”). Unless otherwise agreed by Squabble in a separate written agreement with you, the Services are made available solely for your personal, noncommercial use. YOU ACKNOWLEDGE THAT YOUR ABILITY TO OBTAIN DISPUTE RESOLUTION SERVICES THROUGH THE USE OF THE SERVICES DOES NOT ESTABLISH SQUABBLE AS A PROVIDER OF DISPUTE RESOLUTION SERVICES OR AS AN ATTORNEY OR MEDIATOR.

License

Subject to your compliance with these Terms, Squabble grants you a limited, non-exclusive, non-sublicensable, revocable, non-transferable license to: (i) access and use the Applications on your personal device solely in connection with your use of the Services; and (ii) access and use any content, information and related materials that may be made available through the Services, in each case solely for your personal, noncommercial use. Any rights not expressly granted herein are reserved by Squabble and Squabble's licensors.

Restrictions

You may not: (i) remove any copyright, trademark or other proprietary notices from any portion of the Services; (ii) reproduce, modify, prepare derivative works based upon, distribute, license, lease, sell, resell, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the Services except as expressly permitted by Squabble; (iii) decompile, reverse engineer or disassemble the Services except as may be permitted by applicable law; (iv) link to, mirror or frame any portion of the Services; (v) cause or launch any programs or scripts for the purpose of scraping, indexing, surveying, or otherwise data mining any portion of the Services; or (vi) attempt to gain unauthorized access to or impair any aspect of the Services or its related systems or networks.

4. Access and Use of the Services

User Accounts

In order to use most aspects of the Services, you must register for and maintain an active personal user Services account (“Account”). You must be at least 18 years of age, or the age of legal majority in your jurisdiction (if different than 18), to obtain an Account. Account registration requires you to submit to Squabble certain personal information, such as your name, address, mobile phone number and age, as well as at least one valid payment method supported by Squabble. You agree to maintain accurate, complete, and up-to-date information in your Account. You are responsible for all activity that occurs under your Account, and you agree to maintain the security and secrecy of your Account username and password at all times.

User Requirements and Conduct

The Service is not available for use by persons under the age of 18. You may not authorize third parties to use your Account, and you may not allow persons under the age of 18 to receive dispute resolution services from Third Party Providers unless they are accompanied by you. You may not assign or otherwise transfer your Account to any other person or entity. You agree to comply with all applicable laws when accessing or using the Services, and you may only access or use the Services for lawful purposes.

Text Messaging and Telephone Calls

You agree that Squabble may contact you by telephone or text messages (including by an automatic telephone dialing system) at any of the phone numbers provided by you or on your behalf in connection with a Squabble account, including for marketing purposes. You may opt out of receiving text messages from Squabble at any time by texting the word “STOP” to 85376 or by contacting info@squabbleapp.com.

User Provided Content

As part of the Services, Squabble requires the uploading of all pertinent information regarding your dispute. Any User Content provided by you remains your property. However, by providing User Content to Squabble, you grant Squabble a worldwide, perpetual, irrevocable, transferable, royalty-free license, with the right to sublicense, to use, copy, modify, create derivative works of, distribute, publicly display, publicly perform, and otherwise exploit in any manner such User Content in all formats and distribution channels now known or hereafter devised, without further notice to or consent from you, and without the requirement of payment to you or any other person or entity.

5. Payment

You understand that use of the Services may result in charges to you for the services or goods you receive (“Charges”). Squabble will receive and/or enable your payment of the applicable Charges for services or goods obtained through your use of the Services. Charges will be inclusive of applicable taxes where required by law. All Charges and payments will be enabled by Squabble using the preferred payment method designated in your Account, after which you will receive a receipt by email. Charges paid by you are final and non-refundable, unless otherwise determined by Squabble.

6. Money Back Guarantee

If you have purchased the “Dedicated Case Agent” package from Squabble, you are entitled to a 100% money back guarantee should your case be dismissed without prejudice because of any defect in filing or service of process caused solely by Squabble. Your Squabble package fees and filing fees will be returned. User must present documentation from the court of the dismissal without prejudice and reasonably demonstrate that the dismissal was due to an issue attributable to Squabble's service. You must email casereview@squabbleapp.com all documentation within 30 days of receipt.

7. E-Service on Defendant

If you have chosen to include the optional add-on “E-Service on Defendant” or if your package automatically included it, then you acknowledge and agree that the E-Service is provided as an email to the defendant as a Courtesy Copy: E-Service does not constitute lawful service of process upon the defendant. Plaintiff must arrange for lawful service of process either by selecting Service of Process at checkout or through alternative means.

8. Artificial Intelligence Features and Tools

Squabble may utilize artificial intelligence (“AI”) tools, systems, and technologies in connection with the delivery of its Services, including but not limited to the preparation of Case Reports, analysis of user-submitted case information, document drafting assistance, and other platform features (collectively, “AI Features”). By accessing or using the Services, you acknowledge and agree to the following terms governing your use of AI Features.

8.1 Nature of AI-Generated Content

AI Features may generate text, analysis, recommendations, document drafts, legal overviews, or other content (“AI-Generated Content”) based on information you submit to Squabble. You acknowledge and agree that:

• AI-Generated Content is provided for general informational and educational purposes only and does not constitute legal advice, legal counsel, or a legal opinion of any kind.
• AI-Generated Content is not a substitute for advice from a licensed attorney and does not create an attorney-client relationship between you and Squabble or any of its personnel.
• AI systems may produce content that is inaccurate, incomplete, outdated, or inappropriate for your specific circumstances. Squabble does not warrant the accuracy, completeness, reliability, suitability, or fitness for any particular purpose of any AI-Generated Content.
• You are solely responsible for independently verifying any AI-Generated Content before relying upon it or using it in any legal proceeding.
• AI-Generated Content reflects general legal concepts and publicly available information and is not tailored legal advice specific to your jurisdiction, facts, or circumstances.

8.2 User Responsibilities Regarding AI Features

When using AI Features, you agree to:

• Provide accurate, complete, and truthful information when submitting case details, as AI-Generated Content is only as reliable as the information provided.
• Review all AI-Generated Content carefully before using it in any court filing, legal proceeding, or other official capacity.
• Not use AI-Generated Content as the sole basis for any legal decision or strategy without first consulting a licensed attorney.
• Not attempt to manipulate, circumvent, or misuse AI Features to generate false, misleading, defamatory, unlawful, or harmful content.
• Understand and accept that AI technology is evolving and that outputs may vary based on how prompts or information are structured.

8.3 No Guarantee of AI Performance

Squabble does not guarantee that AI Features will be available at all times, free from errors or interruptions, or that AI-Generated Content will meet your expectations or requirements. Squabble expressly disclaims all warranties, whether express, implied, or statutory, with respect to AI Features and AI-Generated Content, including without limitation any warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

8.4 Data Use in Connection with AI Features

When you submit information through the Services in connection with AI Features, that information may be processed by Squabble's AI systems or those of its third-party AI service providers in order to generate AI-Generated Content. You acknowledge and agree that:

• Squabble may transmit your case information and submitted content to third-party AI providers solely for the purpose of delivering the requested AI Features.
• Squabble's third-party AI providers are contractually required to maintain appropriate security measures and to use your data solely as directed by Squabble.
• Squabble does not permit third-party AI providers to use your case information to train their own AI models unless expressly disclosed and consented to.
• All data handling in connection with AI Features is subject to Squabble's Privacy Policy.

8.5 Intellectual Property in AI-Generated Content

To the extent any AI-Generated Content produced in connection with your use of the Services is capable of copyright protection, such content is provided to you under a limited, non-exclusive license for your personal use in connection with your legal matter. You may not reproduce, distribute, publicly display, or commercially exploit AI-Generated Content without Squabble's prior written consent.

8.6 Limitation of Liability for AI Features

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SQUABBLE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR RELIANCE ON AI FEATURES OR AI-GENERATED CONTENT, INCLUDING BUT NOT LIMITED TO: (i) ERRORS, INACCURACIES, OR OMISSIONS IN AI-GENERATED CONTENT; (ii) ANY LEGAL OUTCOME OR COURT DECISION INFLUENCED BY RELIANCE ON AI-GENERATED CONTENT; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR SUBMISSIONS TO AI FEATURES; OR (iv) ANY OTHER MATTER RELATING TO AI FEATURES.

8.7 Human Review

Squabble strives to supplement AI-Generated Content with human review where feasible, particularly in connection with Case Reports. However, Squabble does not guarantee that every AI-generated output will be reviewed by a licensed attorney or human reviewer prior to delivery. Users are encouraged to seek independent legal counsel before acting on any content provided through the Services.

9. Disclaimers; Limitation of Liability; Indemnity

Disclaimer

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” SQUABBLE DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, NOT EXPRESSLY SET OUT IN THESE TERMS, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. IN ADDITION, SQUABBLE MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE REGARDING THE RELIABILITY, TIMELINESS, QUALITY, SUITABILITY, OR AVAILABILITY OF THE SERVICES OR ANY SERVICES OR GOODS REQUESTED THROUGH THE USE OF THE SERVICES, OR THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. SQUABBLE DOES NOT GUARANTEE THE QUALITY, SUITABILITY, SAFETY OR ABILITY OF THIRD-PARTY PROVIDERS. YOU AGREE THAT THE ENTIRE RISK ARISING OUT OF YOUR USE OF THE SERVICES, AND ANY SERVICE OR GOOD REQUESTED IN CONNECTION THEREWITH, REMAINS SOLELY WITH YOU, TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW.

Limitation of Liability

SQUABBLE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST DATA, PERSONAL INJURY, OR PROPERTY DAMAGE RELATED TO, IN CONNECTION WITH, OR OTHERWISE RESULTING FROM ANY USE OF THE SERVICES, REGARDLESS OF THE NEGLIGENCE (EITHER ACTIVE, AFFIRMATIVE, SOLE, OR CONCURRENT) OF SQUABBLE, EVEN IF SQUABBLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SQUABBLE SHALL NOT BE LIABLE FOR ANY DAMAGES, LIABILITY OR LOSSES ARISING OUT OF: (i) YOUR USE OF OR RELIANCE ON THE SERVICES OR YOUR INABILITY TO ACCESS OR USE THE SERVICES; OR (ii) ANY TRANSACTION OR RELATIONSHIP BETWEEN YOU AND ANY THIRD-PARTY PROVIDER, EVEN IF SQUABBLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE LIMITATIONS AND DISCLAIMER IN THIS SECTION DO NOT PURPORT TO LIMIT LIABILITY OR ALTER YOUR RIGHTS AS A CONSUMER THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, SQUABBLE'S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

Indemnity

You agree to indemnify and hold Squabble and its affiliates and their officers, directors, employees, and agents harmless from any and all claims, demands, losses, liabilities, and expenses (including attorneys' fees), arising out of or in connection with: (i) your use of the Services or services or goods obtained through your use of the Services; (ii) your breach or violation of any of these Terms; (iii) Squabble's use of your User Content; or (iv) your violation of the rights of any third party, including Third Party Providers.

11. Limitation on Time to File Claims

TO THE EXTENT PERMITTED BY APPLICABLE LAW, ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED. THIS LIMITATION APPLIES REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY. IF APPLICABLE LAW PROHIBITS A ONE-YEAR LIMITATION PERIOD FOR A GIVEN CLAIM, SUCH CLAIM SHALL BE BARRED AT THE EARLIEST TIME PERMITTED BY APPLICABLE LAW.

12. Force Majeure

Squabble shall not be liable or responsible to you, nor be deemed to have breached these Terms, for any failure or delay in performance or provision of the Services arising out of or caused by any circumstance beyond Squabble's reasonable control, including but not limited to: acts of God, flood, fire, earthquake, epidemic, pandemic, governmental action or regulation, war, invasion, terrorist threats or acts, riot, civil unrest, embargoes, power outages, internet or telecommunications failures, cyberattacks, or labor disputes. In the event of such a circumstance, Squabble's obligations will be suspended for the duration of the event and for a reasonable period thereafter.

13. Electronic Records and Signatures

By using the Services, you consent to receive communications from Squabble electronically. You agree that all agreements, notices, disclosures, and other communications that Squabble provides to you electronically satisfy any legal requirement that such communications be in writing. You further agree that your use of the Services and your electronic acceptance of these Terms constitutes your valid and binding electronic signature, and that no separate written signature is required for these Terms to be legally enforceable. You acknowledge that you have the ability to store electronic records and that you are able to print or otherwise retain a copy of these Terms for your records.

14. Suspension and Termination

Squabble reserves the right to suspend or terminate your access to the Services, with or without notice, at any time and for any reason, including but not limited to: (i) your actual or suspected violation of these Terms; (ii) your submission of false, misleading, or fraudulent information; (iii) your use of the Services in a manner that Squabble determines, in its sole discretion, poses a risk to the security, integrity, or availability of the Services or to any other user; (iv) your use of the Services to harass, abuse, or harm any third party; (v) Squabble's compliance with a court order, law enforcement directive, or other legal obligation; or (vi) Squabble's business decision to discontinue or modify the Services. Termination of your Account does not relieve you of any obligation to pay outstanding fees or of any liability that arose prior to termination.

15. Prohibited Conduct

In addition to other prohibitions set forth in these Terms, you agree that you will not:

• Use the Services for any unlawful purpose or in violation of any applicable law or regulation.
• Attempt to circumvent, manipulate, disable, or defeat any security, safety, or compliance measure incorporated into the Services or any AI Features, including through jailbreaking, prompt injection, prompt engineering intended to override platform controls, or any other technique designed to cause the Services or AI systems to generate content or take actions in violation of these Terms or applicable law.
• Misrepresent your identity, the facts of your legal dispute, or any other information submitted to the Services, including information used to generate AI-assisted content.
• Use the Services to generate, disseminate, or file any fraudulent, false, or misleading legal documents or filings.
• Use automated scripts, bots, or other automated tools to access or interact with the Services without Squabble's prior written consent.
• Attempt to access any portion of the Services or related systems that you are not authorized to access.
• Engage in any conduct that interferes with or disrupts the integrity or performance of the Services or the data contained therein.

Violation of any of the foregoing prohibitions may result in immediate termination of your access to the Services and may expose you to civil and criminal liability.

16. Compliance with Applicable Privacy Laws

Squabble is committed to complying with applicable federal and state privacy laws as they evolve. You acknowledge that privacy laws vary by state and jurisdiction, and that Squabble's obligations and your rights may differ based on your state of residence. As of the effective date of these Terms, comprehensive consumer privacy laws are in effect in a growing number of states including California, Colorado, Virginia, Connecticut, Utah, Texas, Oregon, Montana, Indiana, Kentucky, Rhode Island, and others. Squabble's Privacy Policy describes your rights under these laws and how to exercise them. By using the Services, you agree that Squabble's data practices as described in the Privacy Policy satisfy its obligations under applicable state privacy law, subject to any rights you may separately exercise through the Privacy Policy.

17. Automated Decision-Making

Squabble may use automated systems, including AI-powered tools, in connection with certain platform functions such as Case Report preparation, case triage, and service delivery. Where automated processing produces outputs that may materially affect you, Squabble endeavors to ensure that meaningful human oversight is applied to the extent practicable. You have the right to contact Squabble at info@squabbleapp.com to request information about how automated processing may have affected the delivery of Services to you, and to request human review of automated outputs where technically feasible. Squabble does not make final legal determinations on your behalf through automated means, and all legal outcomes in your proceeding remain within the exclusive authority of the court.

18. Age Verification and Protection of Minors

The Services are intended solely for users who are 18 years of age or older. Squabble does not knowingly provide Services to, collect data from, or generate AI-assisted content on behalf of any person under the age of 18. By using the Services, you represent and warrant that you are at least 18 years of age. If Squabble determines or has reason to believe that a user is under 18, Squabble reserves the right to immediately suspend or terminate that user's account and delete any associated data. Consistent with applicable law, including state-level age-appropriate design codes and minor data protection requirements, Squabble does not engage in behavioral profiling, targeted advertising, or data collection practices that pose a foreseeable risk of harm to minors.

19. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of California, without giving effect to any conflict of law principles, except as may be otherwise provided in the Arbitration Agreement in Section 2 or in supplemental terms applicable to your region. Subject to the Arbitration Agreement, you consent to the exclusive jurisdiction of the state and federal courts located in San Diego County, California for any dispute not subject to arbitration. Nothing in this section limits Squabble's right to seek injunctive or other equitable relief in any court of competent jurisdiction.

20. Other Provisions

Choice of Law

These Terms are governed by and construed in accordance with the laws of the State of California, U.S.A., without giving effect to any conflict of law principles, except as may be otherwise provided in the Arbitration Agreement above or in supplemental terms applicable to your region.

Notice

Squabble may give notice by means of a general notice on the Services, electronic mail to your email address in your Account, telephone or text message to any phone number provided in connection with your account, or by written communication sent by first class mail or pre-paid post to any address connected with your Account.

General

You may not assign these Terms without Squabble's prior written approval. Squabble may assign these Terms without your consent to: (i) a subsidiary or affiliate; (ii) an acquirer of Squabble's equity, business or assets; or (iii) a successor by merger. No joint venture, partnership, employment, or agency relationship exists between you, Squabble or any Third-Party Provider as a result of this Agreement or use of the Services. If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.