Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Customer," "you," or "your") and More Leads Online, LLC ("Company," "we," "us," or "our") governing your access to and use of the LeadGuard360™ platform and services (collectively, the "Services").

By accessing our website (LeadGuard360.com), creating an account, purchasing any Services, or using any features of our platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Services.

If you are accepting these Terms on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms.

2. Description of Services

LeadGuard360™ is a compliance management platform designed to help automotive dealerships, certified public accountants, attorneys, and other regulated businesses meet Federal Trade Commission (FTC) Safeguards Rule requirements and cybersecurity best practices.

2.1 Core Features

The Services include, but are not limited to:

a) WISP Generation
Automated creation of Written Information Security Programs (WISPs) tailored to your industry and business specifications. WISPs are generated based on information you provide and industry-standard compliance frameworks.

b) FORGE Vulnerability Scanner
Periodic security assessments including network vulnerability scanning, SSL/TLS auditing, email breach monitoring, and security posture analysis. Scan frequency varies by subscription tier.

c) TRACY Employee Training
AI-powered security awareness training modules, phishing simulations, and compliance education for your employees. Training content adapts based on role and performance.

d) VICTOR Vendor Risk Management
Third-party vendor security assessments and risk scoring to help manage supply chain cybersecurity risks.

e) IRIS Incident Response
AI-guided incident response workflows, documentation templates, and breach notification guidance.

2.2 Additional Services

We may offer consulting, implementation assistance, custom training, or other professional services on a case-by-case basis. Such services will be governed by separate service agreements.

2.3 Service Availability

Features marked as "Ready Now" are currently available. Features marked as "Coming Soon" or with future release dates are under development and will be made available to customers according to their subscription tier. We reserve the right to modify feature release schedules.

3. Subscription Plans and Pricing

3.1 Subscription Tiers

We offer the following subscription plans:

Essential Plan: $997/month

• Monthly vulnerability scans
• Basic compliance tools
• Email support
• Access to core features

Professional Plan: $1,997/month

• Weekly vulnerability scans
• Priority support
• Advanced features
• Enhanced reporting

Enterprise Plan: $2,997/month

• Daily monitoring options
• Dedicated account management
• All platform features
• Priority feature access

Lifetime Access: One-time payment of $9,997

• All Enterprise features
• All future features at no additional cost
• Priority lifetime support
• Limited to first 5 customers (Founding Dealership Program)
• Covers up to 5 business locations

3.2 Pricing Terms

All prices are in United States Dollars (USD) and exclude applicable sales taxes, use taxes, or other governmental fees, which you are responsible for paying.

Monthly subscription prices are billed in advance on a recurring basis. Your subscription will automatically renew at the end of each billing cycle unless you cancel prior to the renewal date.

We reserve the right to change our pricing with 30 days' notice to existing customers. Price changes will not affect your current billing cycle but will apply to subsequent renewals.

3.3 Lifetime Access Terms

The Lifetime Access offer is available only to the first 5 customers who qualify for the Founding Dealership Program. Once the 5 spots are filled, this offer will no longer be available at any price.

"Lifetime" means for the life of the LeadGuard360 platform, not the lifetime of the customer. If we discontinue the Services entirely, we will provide 180 days' notice and assistance with data export.

Lifetime Access covers:

• All features available at the Enterprise tier at the time of purchase
• All new features we develop and release in the future
• Priority technical support
• Up to 5 business locations under the same corporate entity

Additional locations beyond 5 may be added for $1,997 per location (one-time fee).

Lifetime Access is non-transferable and may not be resold, assigned, or transferred to another entity without our prior written consent.

3.4 Payment Methods

Monthly Subscriptions: Paid via credit card through our secure payment processor.

Lifetime Access: Paid via wire transfer only. Wire transfer instructions will be provided after qualification and acceptance into the Founding Dealership Program. Payment must be received in full before access is granted.

3.5 Setup and Onboarding

There are no separate setup fees for any subscription tier. All pricing is inclusive of onboarding, training, and initial configuration assistance.

4. Billing and Payment

4.1 Monthly Billing

Monthly subscriptions are billed in advance on the anniversary date of your subscription. Your payment method will be automatically charged on each billing date unless you cancel prior to that date.

4.2 Failed Payments

If your payment method fails or your account becomes past due, we reserve the right to suspend or terminate your access to the Services until payment is received. You remain responsible for any unpaid amounts.

4.3 Taxes

You are responsible for all applicable federal, state, and local sales, use, value-added, and similar taxes associated with your purchase, except for taxes based on our net income.

5. Refund Policy and Money-Back Guarantee

5.1 30-Day Money-Back Guarantee

For monthly subscription plans, we offer a 30-day money-back guarantee from the date of your first payment. If you are not satisfied with the Services within the first 30 days, you may request a full refund by emailing [email protected].

For Lifetime Access purchases, we offer a 30-day money-back guarantee with the following conditions:

• You have made a good-faith effort to implement the recommendations provided by our platform
• Your insurance underwriter has rejected the compliance documentation generated by our Services
• You provide documentation of the underwriter's rejection and reasoning

Refund requests must be submitted in writing within 30 days of payment receipt. Approved refunds will be processed within 10 business days.

5.2 After 30 Days

After the initial 30-day period, all payments are final and non-refundable. If you cancel your monthly subscription after 30 days, you will retain access through the end of your current billing period, but no refund will be issued for partial months.

5.3 Abuse of Refund Policy

We reserve the right to deny refund requests that we determine, in our sole discretion, to be fraudulent, abusive, or in violation of these Terms.

6. Cancellation and Termination

6.1 Cancellation by Customer

You may cancel your monthly subscription at any time by emailing [email protected]. Cancellation will be effective at the end of your current billing period. You will continue to have access to the Services through the end of the paid period.

Lifetime Access cannot be cancelled as it is a one-time purchase with perpetual access rights, subject to these Terms.

6.2 Termination by Company

We reserve the right to suspend or terminate your account and access to the Services, with or without notice, if:

• You breach any provision of these Terms
• You engage in fraudulent, abusive, or illegal activity
• Your payment method fails and you do not update it within 10 days of notice
• We discontinue the Services entirely (with 180 days' notice for Lifetime customers)

6.3 Effect of Termination

Upon termination or cancellation:

• Your access to the Services will cease
• You will lose access to all data, reports, and documentation stored on our platform
• You are responsible for exporting any data you wish to retain prior to termination
• Any fees owed through the termination date remain due and payable
• Provisions of these Terms that by their nature should survive will continue to apply

7. User Accounts and Responsibilities

7.1 Account Creation

To use the Services, you must create an account by providing accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

7.2 Account Security

You agree to:

• Choose a strong, unique password
• Not share your account credentials with others
• Notify us immediately of any unauthorized use of your account
• Be responsible for all activities that occur under your account

7.3 Accurate Information

You represent and warrant that all information you provide to us is accurate, current, and complete. You agree to update your information promptly if it changes.

7.4 Prohibited Uses

You agree not to:

• Use the Services for any illegal purpose or in violation of any laws
• Violate the intellectual property rights of others
• Attempt to gain unauthorized access to any portion of the Services
• Interfere with or disrupt the Services or servers
• Use automated tools to access the Services without permission
• Resell, redistribute, or sublicense access to the Services
• Remove, obscure, or alter any proprietary notices on the Services
• Use the Services to compete with us or develop competing products

8. Intellectual Property

8.1 Company Ownership

The Services, including all software, designs, text, graphics, logos, icons, images, audio clips, data compilations, and the selection and arrangement thereof, are owned by More Leads Online, LLC or our licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

The LeadGuard360™ name, logo, and all related product and service names are trademarks of More Leads Online, LLC. You may not use these marks without our prior written permission.

8.2 Customer Data and Generated Documents

Your Data: You retain all ownership rights to the business information, data, and content you provide to the Services ("Customer Data").

Generated Documents: Documents generated by the Services (including WISPs, scan reports, and training certificates) using your Customer Data are licensed to you for your business use. You may use these documents to demonstrate compliance, provide to insurance underwriters, auditors, and regulators, and for your internal business purposes.

You may not:

• Resell or redistribute generated documents to third parties as a service
• Remove our attribution or branding from generated documents
• Reverse engineer our document generation processes
• Use generated documents to create competing services

8.3 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your internal business purposes in accordance with these Terms.

8.4 Feedback

If you provide us with feedback, suggestions, or ideas about the Services, you grant us an unrestricted, perpetual, irrevocable, worldwide, royalty-free right to use, modify, and incorporate such feedback without compensation or attribution.

9. Data Privacy and Security

9.1 Privacy Policy

Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the practices described in the Privacy Policy.

9.2 Data Security

We implement reasonable administrative, physical, and technical safeguards designed to protect your data. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

9.3 Data Location

Your data is stored on secure servers located in the United States. By using the Services, you consent to the transfer and storage of your data in the United States.

9.4 Data Backup and Export

We perform regular backups of platform data. However, you are responsible for maintaining your own backup copies of any critical data. You may export your data at any time through the platform interface.

9.5 Data Retention

We will retain your Customer Data for as long as your account is active and for a reasonable period thereafter to comply with our legal obligations, resolve disputes, and enforce our agreements.

Upon account termination, your data will be deleted within 90 days unless we are required by law to retain it longer.

10. Disclaimers and Limitations of Liability

10.1 No Legal Advice

10.2 No Guarantees of Outcomes

We make no representations or warranties that:

• Use of the Services will result in compliance with any laws or regulations
• Insurance underwriters will accept documentation generated by the Services
• You will avoid fines, penalties, or legal action
• You will achieve any particular financial results (including insurance premium reductions)
• The Services will prevent all cybersecurity incidents or breaches
• Vulnerability scans will identify all security weaknesses

10.3 Services Provided "AS IS"

THE 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, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that:

• The Services will be uninterrupted, timely, secure, or error-free
• The results obtained from the Services will be accurate or reliable
• Any errors in the Services will be corrected
• The Services will meet your specific requirements

10.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MORE LEADS ONLINE, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, or business opportunities
• Cost of substitute goods or services
• Regulatory fines or penalties
• Damage to business reputation
• Any other commercial damages or losses

ARISING OUT OF OR RELATED TO:

• Your use or inability to use the Services
• Any reliance on information provided by the Services
• Any compliance failures or security breaches
• Any third-party claims related to your use of the Services

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.5 Maximum Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES, REGARDLESS OF THE FORM OF ACTION, SHALL NOT EXCEED:

• For monthly subscribers: The amount you paid to us in the 12 months preceding the claim
• For Lifetime Access customers: $9,997 (the amount paid)

This limitation applies collectively to all claims, and not per incident.

10.6 State Law Variations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless More Leads Online, LLC, its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

1. Your use or misuse of the Services
2. Your violation of these Terms
3. Your violation of any rights of a third party
4. Your violation of applicable laws or regulations
5. Any claim that your Customer Data infringes or violates the rights of a third party
6. Any reliance by third parties on documents or information you generated using the Services

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.

12. Third-Party Services and Links

The Services may contain links to third-party websites, services, or resources. We are not responsible for and do not endorse:

• The availability, accuracy, or content of such third-party resources
• Any products or services available from such resources
• The privacy practices of such third parties

Your interactions with third-party services are solely between you and such third parties. We are not liable for any loss or damage arising from your use of third-party services.

13. Modifications to Services and Terms

13.1 Service Modifications

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

For Lifetime Access customers, we commit to providing 180 days' notice before discontinuing the Services entirely.

13.2 Terms Updates

We may update these Terms from time to time. When we make material changes, we will:

• Post the updated Terms on this page with a new "Last Updated" date
• Send notice to the email address associated with your account (for material changes)

Your continued use of the Services after the effective date of updated Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Services and may cancel your subscription.

14. Dispute Resolution

14.1 Informal Resolution

Before filing any formal dispute, you agree to contact us at [email protected] and attempt to resolve the dispute informally. Provide a brief description of the dispute and your contact information. We will attempt to resolve the dispute within 30 days.

14.2 Binding Arbitration

If we cannot resolve a dispute informally, you and More Leads Online, LLC agree that any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration, except as specified below.

Arbitration Process:

• Arbitration will be conducted by a single arbitrator through the American Arbitration Association (AAA) under its Commercial Arbitration Rules
• The arbitration will be held in Murfreesboro, Tennessee, or another mutually agreed location
• Each party will bear its own costs and attorneys' fees unless the arbitrator awards them to the prevailing party
• The arbitrator's decision will be final and binding
• Judgment on the award may be entered in any court of competent jurisdiction

Exceptions to Arbitration:

The following disputes are not subject to arbitration:

• Small claims court actions (if the claim qualifies)
• Claims seeking injunctive or equitable relief for intellectual property infringement
• Claims related to or arising from allegations of theft, piracy, or unauthorized use

14.3 Class Action Waiver

YOU AND MORE LEADS ONLINE, LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR COLLECTIVE ACTION.

Unless both you and we agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of representative or class proceeding.

14.4 Governing Law and Venue

These Terms and any disputes arising out of or related to these Terms or the Services shall be governed by the laws of the State of Tennessee, without regard to its conflict of law principles.

If arbitration does not apply or is found unenforceable, you agree that any legal action must be brought exclusively in the state or federal courts located in Rutherford County, Tennessee, and you consent to the personal jurisdiction of such courts.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements or policies referenced herein, constitute the entire agreement between you and More Leads Online, LLC regarding the Services and supersede all prior agreements and understandings.

15.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect to the maximum extent permitted by law.

15.3 Waiver

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision. Our failure to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer these Terms or your rights and obligations hereunder without our prior written consent. We may assign these Terms without restriction. Any attempted assignment in violation of this section is void.

15.5 Force Majeure

We will not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

15.6 Notices

Notices to you may be made via email, regular mail, or postings on the Services. You must send notices to us via email to [email protected] or by mail to:

15.7 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

15.8 Independent Contractors

The parties are independent contractors. These Terms do not create a partnership, franchise, joint venture, agency, fiduciary, or employment relationship between the parties.

15.9 No Third-Party Beneficiaries

These Terms do not and are not intended to confer any rights or remedies upon any person other than the parties to these Terms.

16. Accessibility

We are committed to making our Services accessible to all users. If you encounter any accessibility barriers, please contact us at [email protected] or call (629) 226-6800, and we will work with you to provide the information or functionality you seek through an alternative method.

17. Export Compliance

The Services may be subject to United States export control laws and regulations. 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.

18. Contact Information

If you have questions, concerns, or complaints about these Terms, please contact us:

19. Acknowledgment